0001493152-19-007018.txt : 20190514 0001493152-19-007018.hdr.sgml : 20190514 20190514130143 ACCESSION NUMBER: 0001493152-19-007018 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 64 CONFORMED PERIOD OF REPORT: 20190331 FILED AS OF DATE: 20190514 DATE AS OF CHANGE: 20190514 FILER: COMPANY DATA: COMPANY CONFORMED NAME: OptimumBank Holdings, Inc. CENTRAL INDEX KEY: 0001288855 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 000000000 STATE OF INCORPORATION: FL FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 000-50755 FILM NUMBER: 19821714 BUSINESS ADDRESS: STREET 1: 2477 EAST COMMERCIAL BOULEVARD CITY: FORT LAUDERDALE STATE: FL ZIP: 33308 BUSINESS PHONE: 954 776-2332 MAIL ADDRESS: STREET 1: 2477 EAST COMMERCIAL BOULEVARD CITY: FORT LAUDERDALE STATE: FL ZIP: 33308 10-Q 1 form10-q.htm

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

(Mark One)

[X]

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

For the quarterly period ended March 31, 2019

[ ]	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: 000-50755

OPTIMUMBANK HOLDINGS, INC.

(Exact name of registrant as specified in its charter)

Florida		55-0865043
(State or other jurisdiction of incorporation or organization)		(IRS Employer Identification No.)

2477 East Commercial Boulevard, Fort Lauderdale, FL 33308

(Address of principal executive offices)

954-900-2800

(Registrant’s telephone number, including area code)

N/A

(Former name, former address and former fiscal year, if changed since last report)

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes [X] No [ ]

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

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a 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 (check one):

Large accelerated filer [ ]		Accelerated filer [ ]
Non-accelerated filer [X]		Smaller reporting company [X]
		Emerging growth company [ ]

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

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

Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date: 1,858,020 shares of Common Stock, $.01 par value, issued and outstanding as of May 6, 2019.

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

INDEX

	Page

PART I. FINANCIAL INFORMATION

Item 1. Financial Statements	1

Condensed Consolidated Balance Sheets - March 31, 2019 (unaudited) and December 31, 2018	1

Condensed Consolidated Statements of Operations - Three Months ended March 31, 2019 and 2018 (unaudited)	2

Condensed Consolidated Statements of Comprehensive Loss - Three Months ended March 31, 2019 and 2018 (unaudited)	3

Condensed Consolidated Statements of Stockholders’ Equity - Three Months ended March 31, 2019 and 2018 (unaudited)	4

Condensed Consolidated Statements of Cash Flows - Three Months ended March 31, 2019 and 2018 (unaudited)	5

Notes to Condensed Consolidated Financial Statements (unaudited)	7

Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations	23

Item 4. Controls and Procedures	30

PART II. OTHER INFORMATION

Item 1. Legal Proceedings	30

Item 2. Unregistered Sales of Equity Securities and Use of Proceeds	30

Item 3. Defaults on Senior Securities	30

Item 4. Mine Safety Disclosures	30

Item 5. Other Information	30

Item 6. Exhibits	30

SIGNATURES	31

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

PART I. FINANCIAL INFORMATION

Item 1. Financial Statements

Condensed Consolidated Balance Sheets
(Dollars in thousands, except per share amounts)

	March 31, 2019			December 31, 2018
	(Unaudited)
Assets:
Cash and due from banks	$	2,212		$	1,934
Interest-bearing deposits with banks		11,347			6,049
Total cash and cash equivalents		13,559			7,983
Securities available for sale		2,191			2,359
Securities held-to-maturity (fair value of $7,066 and 7,175)		6,955			7,139
Loans, net of allowance for loan losses of $2,047 and $2,243		78,498			77,200
Federal Home Loan Bank stock		642			1,132
Premises and equipment, net		2,669			2,668
Accrued interest receivable		324			314
Other assets		1,884			1,573

Total assets	$	106,722		$	100,368
Liabilities and Stockholders’ Equity:

Liabilities:
Noninterest-bearing demand deposits		11,641			9,638
Savings, NOW and money-market deposits		41,609			26,682
Time deposits		27,574			26,058

Total deposits		80,824			62,378

Federal Home Loan Bank advances		13,000			24,600
Federal funds purchased		-			560
Junior subordinated debenture		5,155			5,155
Official checks		265			274
Other liabilities		2,305			2,095

Total liabilities		101,549			95,062

Commitments and contingencies (Notes 7 and 9)
Stockholders’ equity:
Preferred stock, no par value; 6,000,000 shares authorized: Designated Series A, no par value, $25,000 liquidation value per share, no shares issued and outstanding		—			—
Common stock, $.01 par value; 5,000,000 shares authorized, 1,858,020 shares issued and outstanding		18			18
Additional paid-in capital		36,128			36,128
Accumulated deficit		(30,660	)		(30,510	)
Accumulated other comprehensive loss		(313	)		(330	)

Total stockholders’ equity		5,173			5,306
Total liabilities and stockholders’ equity	$	106,722		$	100,368

See accompanying notes to condensed consolidated financial statements.

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Condensed Consolidated Statements of Operations (Unaudited)
(in thousands, except per share amounts)

	Three Months Ended
	March 31,
	2019			2018
Interest income:
Loans	$	1,090		$	916
Securities		50			61
Other		62			35

Total interest income		1,202			1,012

Interest expense:
Deposits		289			112
Borrowings		164			148

Total interest expense		453			260

Net interest income		749			752

Provision for loan losses		—			—

Net interest income after provision for loan losses		749			752

Noninterest income:
Service charges and fees		22			10
Other		15			4

Total noninterest income		37			14

Noninterest expenses:
Salaries and employee benefits		501			438
Professional fees		99			65
Occupancy and equipment		113			104
Data processing		124			77
Insurance		24			24
Regulatory assessment		4			39
Other		119			304

Total noninterest expenses		984			1,051

Net loss before income tax benefit		(198	)		(285	)

Income tax benefit		(52	)		-

Net loss	$	(146	)	$	(285	)

Net loss per share - Basic and diluted	$	(0.08	)	$	(0.24	)

See accompanying notes to condensed consolidated financial statements.

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Condensed Consolidated Statements of Comprehensive Loss (Unaudited)
(In thousands)

	Three Months Ended March 31,
	2019			2018

Net loss	$	(146	)	$	(285	)

Other comprehensive income (loss):
Change in unrealized gain (loss) on securities:
Unrealized gain (loss) arising during the year		5			(64	)

Amortization of unrealized loss on securities transferred to held-to-maturity		17			-

Other comprehensive income (loss) before income tax (expense) benefit		22			(64	)

Deferred income tax (expense) benefit on above change		(5	)		17

Total other comprehensive income (loss)		17			(47	)

Comprehensive loss	$	(129	)	$	(332	)

See accompanying notes to condensed consolidated financial statements.

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Condensed Consolidated Statements of Stockholders’ Equity (Unaudited)

Three Months Ended March 31, 2019 and 2018

(Dollars in thousands)

														Accumulated Other
	Preferred Stock				Common Stock				Paid-In		Accumulated			Comprehensive			Stockholders’
	Shares		Amount		Shares		Amount		Capital		Deficit			Loss			Equity

Balance at December 31, 2017		7	$	—		1,120,947	$	11	$	34,090	$	(31,306	)	$	(250	)	$	2,545

Proceeds from sale of common stock (unaudited)		—		—		20,814		—		46		—			—			46

Common stock issued as compensation to directors (unaudited)		—		—		144,742		2		612		—			—			614

Net loss for the three months ended March 31, 2018 (unaudited)		—		—		—		—		—		(285	)		—			(285	)

Net change in unrealized loss on securities available for sale, net of income tax benefit (unaudited)		—		—		—		—		—		—			(47	)		(47	)

Balance at March 31, 2018 (unaudited)		7	$	—		1,286,503	$	13	$	34,748	$	(31,591	)	$	(297	)	$	2,873

Balance at December 31, 2018		—	$	—		1,858,020	$	18	$	36,128	$	(30,510	)	$	(330	)	$	5,306

Cumulative-effect adjustment resulting from adoption of new lease accounting standard (unaudited)		—		—		—		—		—		(4	)		—			(4	)

Net loss for the three months ended March 31, 2019 (unaudited)		—		—		—		—		—		(146	)		—			(146	)

Net change in unrealized loss on securities available for sale, net of income taxes (unaudited)		—		—		—		—		—		—			3			3

Amortization of unrealized loss on securities transferred to held-to-maturity (unaudited)		—		—		—		—		—		—			14			14

Balance at March 31, 2019 (unaudited)		—	$	—		1,858,020	$	18	$	36,128	$	(30,660	)	$	(313	)	$	5,173

See accompanying notes to condensed consolidated financial statements

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Condensed Consolidated Statements of Cash Flows (Unaudited)

(In thousands)

	Three Months Ended March 31,
	2019			2018
Cash flows from operating activities:
Net loss	$	(146	)	$	(285	)
Adjustments to reconcile net loss to net cash used in operating activities:
Depreciation and amortization		42			35
Net amortization of fees, premiums and discounts		43			64
(Increase) decrease in accrued interest receivable		(10	)		32
Increase in other assets		(311	)		(3	)
Increase in official checks and other liabilities		192			151
Net cash used in operating activities		(190	)		(6	)

Cash flows from investing activities:
Principal repayments of securities available for sale		154			357
Principal repayments of securities held-to-maturity		193			-
Net increase in loans		(1,314	)		(918	)
Purchases of premises and equipment		(43	)		(113	)
Redemption of FHLB stock		490			—

Net cash used in investing activities		(520	)		(674	)

Cash flows from financing activities:
Net increase (decrease) in deposits		18,446			(10,154	)
Net (decrease) increase in federal funds purchased		(560	)		2,767
Net (decrease) increase in FHLB Advances		(11,600	)		500
Proceeds from sale of common stock		—			46

Net cash provided by (used in) financing activities		6,286			(6,841	)

Net increase (decrease) in cash and cash equivalents		5,576			(7,521	)

Cash and cash equivalents at beginning of the period		7,983			11,665

Cash and cash equivalents at end of the period	$	13,559		$	4,144

See accompanying notes to condensed consolidated financial statements

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Condensed Consolidated Statements of Cash Flows (Unaudited), Continued

(In thousands)

	Three Months Ended March 31,
	2019			2018
Supplemental disclosure of cash flow information:
Cash paid during the period for:
Interest	$	370		$	194

Income taxes	$	—		$	—

Noncash transaction -
Change in accumulated other comprehensive loss, net change in unrealized loss on securities available for sale, net of income taxes	$	17		$	(47	)

Reclassification of stock compensation from other liabilities to common stock	$	—		$	614

Cumulative-effect adjustment resulting from adoption of new lease accounting standard	$	(4	)	$	—

Amortization of unrealized loss on securities transferred to held-to-maturity	$	17		$	—

See accompanying notes to condensed consolidated financial statements

(continued)

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Notes to Condensed Consolidated Financial Statements (Unaudited)

(1)	*General.* OptimumBank Holdings, Inc. (the “Company”) is a one-bank holding company and owns 100% of OptimumBank (the “Bank”), a Florida-chartered commercial bank. The Company’s only business is the operation of the Bank and its subsidiaries (collectively, the “Company”). The Bank’s deposits are insured up to applicable limits by the Federal Deposit Insurance Corporation (“FDIC”). The Bank offers a variety of community banking services to individual and corporate customers through its three banking offices located in Broward County, Florida.

	Basis of Presentation. In the opinion of management, the accompanying condensed consolidated financial statements of the Company contain all adjustments (consisting principally of normal recurring accruals) necessary to present fairly the financial position at March 31, 2019, and the results of operations and cash flows for the three-month periods ended March 31, 2019 and 2018. All significant intercompany accounts and transactions have been eliminated in consolidation. The results of operations for the three months ended March 31, 2019, are not necessarily indicative of the results to be expected for the full year.

	*Junior Subordinated Debenture.* The Company is in default with respect to its $5,155,000 Junior Subordinated Debenture (the “Debenture”) due to its failure to make certain required interest payments under the Debenture. The Debenture was issued to OptimumBank Holdings Capital Trust I, a Delaware statutory trust formed by the Company for the purpose of issuing and selling certain securities (the “Trust Preferred Securities”) representing undivided beneficial interests in the Debenture. The trust issued a total of 5,000 Trust Preferred Securities. The Trustee, Wells Fargo Bank, for the Debenture (the “Trustee”) and the beneficial owners of the Debenture are entitled to accelerate the payment of the $5,155,000 principal balance plus accrued and unpaid interest totaling $1,776,000 at March 31, 2019. To date, neither the Trustee nor the holders have accelerated the outstanding balance of the Debenture. No adjustments to the accompanying condensed consolidated financial statements have been made as a result of this uncertainty. In May 2018, a company affiliated with a director of the Company (the “New Holder”) purchased all 5,000 Trust Preferred Securities from a third party. During the third quarter of 2018, the New Holder sold its rights in 694 of the Trust Preferred Securities to several unaffiliated third parties, who subsequently exchanged these Trust Preferred Securities for 301,778 shares of the Company’s common stock. Under the Written Agreement the exchange of Trust Preferred Securities for the Company’s common stock cannot reduce the principal amount of the Debenture collateralizing the Trust Preferred Securities. Accordingly the transaction was recorded as an increase in the Company’s equity interest in the unconsolidated subsidiary trust, presented in “Other Assets” in the accompanying condensed consolidated balance sheets. Although the Company and the New Holder have not executed a formal, definitive bilateral agreement, the New Holder has provided the Company with written representations that the New Holder will not accelerate and demand payment of any of the remaining 4,306 Trust Preferred Securities principal or accrued interest within twelve months from May 14, 2019, the date the Company’s Form 10-Q as of and for the period ended March 31, 2019, was filed with the Securities and Exchange Commission.

	Comprehensive Loss. GAAP generally requires that recognized revenue, expenses, gains and losses be included in net loss. 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 condensed consolidated balance sheets, such items along with net loss, are components of comprehensive loss.

Accumulated other comprehensive loss consists of the following (in thousands):

	March 31,			December 31,
	2019			2018

Unrealized loss on securities available for sale	$	(59	)	$	(64	)
Unamortized portion of unrealized loss related to securities available for sale transferred to securities held-to-maturity		(360	)		(377	)
Income tax benefit		106			111

	$	(313	)	$	(330	)

	*Income Taxes.* The Company assessed its earnings history and trends and estimates of future earnings, and determined that the deferred tax asset could not be realized as of March 31, 2019. Accordingly, a valuation allowance was recorded against the net deferred tax asset.

	(continued)

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Notes to Condensed Consolidated Financial Statements (Unaudited)

(1)

General, Continued.

Recent Pronouncements. In February 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update No. 2016-02, Leases (Topic 842). ASU 2016-02 is intended to improve financial reporting of leasing transactions by requiring organizations that lease assets to recognize assets and liabilities for the rights and obligations created by leases on the condensed consolidated balance sheet. The Company adopted ASU 2016-02 retrospectively at January 1, 2019 using a simplified transition option that allows companies to initially apply the new lease standard at the adoption date and recognize a cumulative-effect adjustment to the opening balance of retained earnings in the period of adoption. Our only lease at the adoption date was an operating lease for a branch location has a 5 year term, commenced in December 2017, does not offer any options to extend, and does contain a rent escalation clause. The effect of this ASU increased condensed consolidated assets by $277,000 and condensed consolidated liabilities by $281,000, at the adoption date. With respect to the lease recognized on the condensed consolidated balance sheet as of March 31, 2019, the right of use asset $259,000 and lease liability of $264,000 are included in accompanying other assets and other liabilities, respectively. The discount rate used in this calculation was 2.6%.

In June 2016, the FASB issued ASU No. 2016-13 Financial Instruments-Credit Losses (Topic 326). The ASU improves financial reporting by requiring timelier recording of credit losses on loans and other financial instruments held by the Company. The ASU requires the Company to measure all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. The Company will continue to use judgment to determine which loss estimation method is appropriate for their circumstances. The ASU requires enhanced disclosures to help investors and other financial statement users better understand significant estimates and judgments used in estimating credit losses, as well as the credit quality and underwriting standards of an organization’s portfolio. These disclosures include qualitative and quantitative requirements that provide additional information about the amounts recorded in the financial statements. Additionally, the ASU amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. The ASU will take effect for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. Early adoption is permitted. The Company is in the process of determining the effect of the ASU on its condensed consolidated financial statements.

In June 2018, the FASB issued ASU No. 2018-07, Stock Compensation (Topic 718): Improvements to Nonemployee Share-Based Payment Accounting. The ASU is intended to reduce the cost and complexity and to improve financial reporting for nonemployee share-based payments. The ASU expands the scope of Topic 718. Compensation Stock Compensation (which currently only includes share-based payments to employees) to include share-based payments issued to nonemployees for goods or services. Consequently, the accounting for share-based payments to nonemployees and employees will be substantially aligned. The ASU supersedes Subtopic 505-50, Equity-Equity-Based payments to Non-Employees. The ASU was effective for the Company for fiscal years beginning after December 15, 2018, including interim periods within that fiscal year. The ASU did not have a material impact on the Company’s condensed consolidated financial statements.

(continued)

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Notes to Condensed Consolidated Financial Statements (Unaudited)

(2)

Securities. Securities have been classified according to management’s intent. The carrying amount of securities and approximate fair values are as follows (in thousands):

	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Fair Value

At March 31, 2019:
Held-to-Maturity -
Collateralized mortgage obligations	$	6,955	$	111	$	—		$	7,066
Available for Sale -
SBA Pool Securities	$	2,250	$	—	$	(59	)	$	2,191

	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Fair Value

At December 31, 2018:
Held-to-Maturity -
Collateralized mortgage obligations	$	7,139	$	40	$	(4	)	$	7,175
Available for Sale -
SBA Pool Securities	$	2,423	$	-	$	(64	)	$	2,359

In April 2018, the bank transferred securities of $7,945,000 from the available-for-sale category to the held-to-maturity category at their then fair values resulting in unrealized losses of $432,000. The unrealized loss which was recorded in stockholders’ equity net of amortization and net of tax is being amortized over the remaining term of the securities. At March 31, 2019 and December 31, 2018, $72,000 and $55,000 has been amortized.

There were no sales of securities during the three months ended March 31, 2018 and 2017.

Securities available for sale with gross unrealized losses, aggregated by investment category and length of time that individual securities have been in a continuous loss position, is as follows (in thousands):

	At March 31, 2019
	Over Twelve Months				Less Than Twelve Months
	Gross Unrealized Losses		Fair Value		Gross Unrealized Losses		Fair Value

Available for Sale -
SBA Pool Securities	$	59	$	2,191	$	—	$	—

	At December 31, 2018
	Over Twelve Months				Less Than Twelve Months
	Gross Unrealized Losses		Fair Value		Gross Unrealized Losses		Fair Value

Held-to-Maturity -
Collateralized mortgage obligations	$	4	$	1,361	$	—	$	—
Available for Sale -
SBA Pool Securities	$	24	$	829	$	40	$	1,530

(continued)

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Notes to Condensed Consolidated Financial Statements (Unaudited)

(2)

Securities Continued.

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 condition and near-term prospectus 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.

At March 31, 2019 and December 31, 2018, the unrealized losses on six and seven investment securities, were caused by market conditions. It is expected that the securities would not be settled at a price less than the book value of the investments. Because the decline in fair value is attributable to market conditions and not credit quality, and because the Company has the ability and intent to hold these investments until a market price recovery or maturity, these investments are not considered other-than-temporarily impaired.

(continued)

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Notes to Condensed Consolidated Financial Statements (Unaudited)

(3)

Loans. The components of loans are as follows (in thousands):

	At March 31, 2019			At December 31, 2018

Residential real estate	$	26,015		$	27,204
Multi-family real estate		6,455			8,195
Commercial real estate		42,886			36,634
Land and construction		-			1,998
Commercial		4,867			4,997
Consumer		189			260

Total loans		80,412			79,288

Add (deduct):
Net deferred loan fees, costs and premiums		133			155
Allowance for loan losses		(2,047	)		(2,243	)

Loans, net	$	78,498		$	77,200

(continued)

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Notes to Condensed Consolidated Financial Statements (Unaudited)

(3)

Loans, Continued. An analysis of the change in the allowance for loan losses follows (in thousands):

	Residential Real Estate			Multi-Family Real Estate			Commercial Real Estate			Land and Construction			Commercial			Consumer			Unallocated			Total
Three Months Ended March 31, 2019:

Beginning balance	$	544		$	88		$	567		$	19		$	850		$	25		$	150		$	2,243
(Credit) provision for loan losses		(12	)		(23	)		256			(25	)		(297	)		1			100			—
Charge-offs		—			—			(195	)		—			—			(7	)		—			(202	)
Recoveries		—			—			—			6			—			—			—			6

Ending balance	$	532		$	65		$	628		$	—		$	553		$	19		$	250		$	2,047

Three Months Ended March 31, 2018:
Beginning balance	$	641		$	59		$	759		$	22		$	55		$	86		$	2,369		$	3,991
Provision (credit) for loan losses		6			8			(47	)		—			224			(23	)		(168	)		—
Charge-offs		—			—			—			—			—			(9	)		—			(9	)
Recoveries		—			—			—			6			—			5			—			11

Ending balance	$	647		$	67		$	712		$	28		$	279		$	59		$	2,201		$	3,993

(continued)

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Notes to Condensed Consolidated Financial Statements (Unaudited)

(3)

Loans, Continued.

	Residential Real Estate		Multi- Family Real Estate		Commercial Real Estate		Land and Construction		Commercial		Consumer		Unallocated		Total
At March 31, 2019:
Individually evaluated for impairment:
Recorded investment	$	948	$	—	$	2,457	$	—	$	1,806	$	—	$	—	$	5,211
Balance in allowance for loan losses	$	261	$	—	$	—	$	—	$	523	$	—	$	—	$	784

Collectively evaluated for impairment:
Recorded investment	$	25,067	$	6,455	$	40,429	$	—	$	3,061	$	189	$	—	$	75,201
Balance in allowance for loan losses	$	271	$	65	$	628	$	—	$	30	$	19	$	250	$	1,263

At December 31, 2018:
Individually evaluated for impairment:
Recorded investment	$	954	$	—	$	3,861	$	—	$	1,928	$	—	$	—	$	6,743
Balance in allowance for loan losses	$	268	$	—	$	162	$	—	$	814	$	—	$	—	$	1,244

Collectively evaluated for impairment:
Recorded investment	$	26,250	$	8,195	$	32,773	$	1,998	$	3,069	$	260	$	—	$	72,545
Balance in allowance for loan losses	$	276	$	88	$	405	$	19	$	36	$	25	$	150	$	999

(continued)

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Notes to Condensed Consolidated Financial Statements (Unaudited)

(3)	*Loans, Continued.* The Company has divided the loan portfolio into six portfolio segments, each with different risk characteristics and methodologies for assessing risk. All loans are underwritten based upon standards set forth in the policies approved by the Company’s Board of Directors (the “Board”). The Company identifies the portfolio segments as follows: *Residential Real Estate, Multi-Family Real Estate, Commercial Real Estate, Land and Construction.* Residential real estate loans are underwritten based on repayment capacity and source, value of the underlying property, credit history and stability. The Company offers first and second one-to-four family mortgage loans; the collateral for these loans is generally the clients' owner-occupied residences. Although these types of loans present lower levels of risk than commercial real estate loans, risks do still exist because of possible fluctuations in the value of the real estate collateral securing the loan, as well as changes in the borrowers' financial condition. Multi-family and commercial real estate loans are secured by the subject property and are underwritten based upon standards set forth in the policies approved by the Board. Such standards include, among other factors, loan to value limits, cash flow coverage and general creditworthiness of the obligors. Construction loans to borrowers finance the construction of owner occupied and leased properties. These loans are categorized as construction loans during the construction period, later converting to commercial or residential real estate loans after the construction is complete and amortization of the loan begins. Real estate development and construction loans are approved based on an analysis of the borrower and guarantor, the viability of the project and on an acceptable percentage of the appraised value of the property securing the loan. Real estate development and construction loan funds are disbursed periodically based on the percentage of construction completed. The Company carefully monitors these loans with on-site inspections and requires the receipt of lien waivers on funds advanced. Development and construction loans are typically secured by the properties under development or construction, and personal guarantees are typically obtained. Further, to assure that reliance is not placed solely on the value of the underlying property, the Company considers the market conditions and feasibility of proposed projects, the financial condition and reputation of the borrower and guarantors, the amount of the borrower’s equity in the project, independent appraisals, cost estimates and pre-construction sales information. The Company also makes loans on occasion for the purchase of land for future development by the borrower. Land loans are extended for future development for either commercial or residential use by the borrower. The Company carefully analyzes the intended use of the property and the viability thereof.

	*Commercial.* Commercial business loans and lines of credit consist of loans to small- and medium-sized companies in the Company’s market area. Commercial loans are generally used for working capital purposes or for acquiring equipment, inventory or furniture. Primarily all of the Company’s commercial loans are secured loans, along with a small amount of unsecured loans. The Company’s underwriting analysis consists of a review of the financial statements of the borrower, the lending history of the borrower, the debt service capabilities of the borrower, the projected cash flows of the business, the value of the collateral, if any, and whether the loan is guaranteed by the principals of the borrower. These loans are generally secured by accounts receivable, inventory and equipment. Commercial loans are typically made on the basis of the borrower’s ability to make repayment from the cash flow of the borrower’s business, which makes them of higher risk than residential loans and the collateral securing loans may be difficult to appraise and may fluctuate in value based on the success of the business. The Company seeks to minimize these risks through its underwriting standards.

	*Consumer.* Consumer loans are extended for various purposes, including purchases of automobiles, recreational vehicles, and boats. Also offered are home improvement loans, lines of credit, personal loans, and deposit account collateralized loans. Repayment of these loans is primarily dependent on the personal income of the borrowers, which can be impacted by economic conditions in their market areas such as unemployment levels. Loans to consumers are extended after a credit evaluation, including the creditworthiness of the borrower(s), the purpose of the credit, and the secondary source of repayment. Consumer loans are made at fixed and variable interest rates. Risk is mitigated by the fact that the loans are of smaller individual amounts.

(continued)

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Notes to Condensed Consolidated Financial Statements (Unaudited)

(3)

Loans, Continued. The following summarizes the loan credit quality (in thousands):

	Pass		OLEM (Other Loans Especially Mentioned)		Sub- standard		Doubtful		Loss		Total
*At March 31, 2019:*
Residential real estate	$	25,067	$	—	$	948	$	—	$	—	$	26,015
Multi-family real estate		6,455		—		—		—		—		6,455
Commercial real estate		38,699		1,730		2,457		—		—		42,886
Land and construction		—		—		—		—		—		—
Commercial		2,355		706		1,806		—		—		4,867
Consumer		189		—		—		—		—		189

Total	$	72,765	$	2,436	$	5,211	$	—	$	—	$	80,412

*At December 31, 2018:*
Residential real estate	$	26,250	$	—	$	954	$	—	$	—	$	27,204
Multi-family real estate		8,195		—		—		—		—		8,195
Commercial real estate		31,050		1,723		3,861		—		—		36,634
Land and construction		1,998		—		—		—		—		1,998
Commercial		2,362		707		1,928		—		—		4,997
Consumer		260		—		—		—		—		260

Total	$	70,115	$	2,430	$	6,743	$	—	$	—	$	79,288

Internally assigned loan grades are defined as follows:

	Pass – a Pass loan’s primary source of loan repayment is satisfactory, with secondary sources very likely to be realized if necessary. These are loans that conform in all aspects to bank policy and regulatory requirements, and no repayment risk has been identified.

	OLEM – an Other Loan Especially Mentioned has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in the deterioration of the repayment prospects for the asset or the Company’s credit position at some future date.

	Substandard – a Substandard loan is inadequately protected by the current Net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. Included in this category are loans that are current on their payments, but the Bank is unable to document the source of repayment. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.

	Doubtful – a loan classified as Doubtful has all the weaknesses inherent in one classified as Substandard, with the added characteristics that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be effected in the future. The Company charges off any loan classified as Doubtful.

	Loss – a loan classified Loss is considered uncollectible and of such little value that continuance as a bankable asset is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be effected in the future. The Company fully charges off any loan classified as Loss.

(continued)

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Notes to Condensed Consolidated Financial Statements (Unaudited)

(3)

Loans, Continued. Age analysis of past-due loans is as follows (in thousands):

	Accruing Loans
	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days Past Due		Total Past Due		Current		Nonaccrual Loans		Total Loans
*At March 31, 2019:*
Residential real estate	$	-	$	-	$	-	$	-	$	26,015	$	—	$	26,015
Multi-family real estate		-		-		-		-		6,455		—		6,455
Commercial real estate		-		-		-		-		42,886		—		42,886
Land and construction		-		-		-		-		-		—		-
Commercial		-		-		-		-		4,867		—		4,867
Consumer		-		-		-		-		189		—		189

Total	$	-	$	-	$	-	$	-	$	80,412	$	—	$	80,412

	Accruing Loans
		30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days Past Due		Total Past Due		Current		Nonaccrual Loans		Total Loans
*At December 31, 2018:*
Residential real estate		$	—	$	—	$	—	$	—	$	27,204	$	—	$	27,204
Multi-family real estate			—		—		—		—		8,195		—		8,195
Commercial real estate			—		—		—		—		35,254		1,380		36,634
Land and construction			—		—		—		—		1,998		—		1,998
Commercial			—		—		—		—		4,997		—		4,997
Consumer			—		—		—		—		260		—		260

Total		$	—	$	—	$	—	$	—	$	77,908	$	1,380	$	79,288

The following summarizes the amount of impaired loans (in thousands):

	At March 31, 2019						At December 31, 2018
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance recorded:
Commercial real estate	$	2,457	$	2,457	$	—	$	2,259	$	2,259	$	—
Commercial		994		994		—		1,114		1,114		—
With related allowance recorded:
Residential real estate		948		948		261		954		954		268
Commercial real estate		—		—		—		1,602		1,602		162
Commercial		812		812		523		814		814		814
Total:
Residential real estate	$	948	$	948	$	261	$	954	$	954	$	268
Commercial real estate	$	2,457	$	2,457	$	—	$	3,861	$	3,861	$	162
Commercial	$	1,806	$	1,806	$	523	$	1,928	$	1,928	$	814
Total	$	5,211	$	5,211	$	784	$	6,743	$	6,743	$	1,244

(continued)

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Notes to Condensed Consolidated Financial Statements (Unaudited)

(3)

Loans, Continued. The average net investment in impaired loans and interest income recognized and received on impaired loans are as follows (in thousands):

	Three Months Ended						Three Months Ended
	March 31, 2019						March 31, 2018
	Average Recorded Investment		Interest Income Recognized		Interest Income Received		Average Recorded Investment		Interest Income Recognized		Interest Income Received

Residential real estate	$	951		18		18	$	696	$	19	$	19
Commercial real estate	$	3,506		29		38	$	702	$	12	$	13
Commercial	$	1,860		24		28	$	537	$	17	$	17

Total	$	6,317		71		84	$	1,935	$	48	$	49

No loans have been determined to be troubled debt restructurings (TDR’s) during the three month periods ended March 31, 2019 or 2018. At March 31, 2019 and 2018, there were no loans modified and entered into TDR’s within the past twelve months, that subsequently defaulted during the three month periods ended March 31, 2019 or 2018.

(continued)

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Notes to Condensed Consolidated Financial Statements (Unaudited)

(4)

Loss Per Share. Basic loss per share has been computed on the basis of the weighted-average number of shares of common stock outstanding during the period. In 2019 and 2018, basic and diluted loss per share is the same due to the net loss incurred by the Company. Loss per common share have been computed based on the following:

	Three Months Ended March 31,
	2019		2018
Weighted-average number of common shares outstanding used to calculate basic and diluted loss per common share		1,858,020		1,173,018

(continued)

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Notes to Condensed Consolidated Financial Statements (Unaudited)

(5)	*Stock-Based Compensation.* The Company is authorized to grant stock options, stock grants and other forms of equity-based compensation under its 2011 Equity Incentive Plan as amended (the “2011 Plan”) and its 2018 Equity Incentive Plan (the “2018 Plan”). Both plans have been approved by shareholders. The Company is authorized to issue up to 210,000 shares of common stock under the 2011 Plan of which 208,881 have been issued, and 1,119 shares remain available for grant, and up to 250,000 shares of common stock under the 2018 Plan, of which 100,000 have been issued, and 150,000 shares remain available for grant.

	The Company’s only grants under the 2011 Plan have been the issuance of shares of common stock to directors for director’s fees and compensation for services rendered. As of April 1, 2017, the Company discontinued the issuance of common stock as a method of payment of director’s fees.

	During 2018, the sale of 20,814 shares of common stock to a director of the Company, and the issuance of 79,186 shares of common stock in exchange for 7 shares of the Company’s preferred stock held by a director in April 2018, were treated as grants under the 2018 Plan. Please refer to the Company’s Forms 8-K filed with the Securities and Exchange Commission on November 16, 2018 and January 10, 2019 for further details.

	During the year ended December 31, 2017, the Company accrued compensation expense of $8,858 with respect to 2,821 shares to be issued to directors at a value of $3.14 per share on account of director’s fees accrued during the first quarter of 2017. These shares were issued in 2018.

	During the year ended December 31, 2018, the Company accrued compensation expense of $200,000 with respect to 36,101 shares issued to a director for services performed in 2018. The Company had previously accrued compensation expense of $200,000 in 2016 and 2017 for services performed. The Company had previously agreed to issue 105,820 shares to this director for services performed in 2016 and 2017. All shares were issued in 2018.

(6)

Fair Value Measurements. Impaired collateral-dependent loans are carried at fair value when the current collateral value is lower than the carrying value of the loan. Those impaired collateral-dependent loans which are measured at fair value on a nonrecurring basis are as follows (in thousands):

Fair

Value

Level 1

Level 2

Level 3

Total

Losses

Recorded in

Operations For the three months ended

March 31, 2019

At March 31, 2019:

Residential real estate

687

—

687

261

—

	Fair Value		Level 1		Level 2		Level 3		Total Losses		Losses Recorded in Operations For the three months ended December 31, 2018
*At December 31, 2018:*
Residential real estate	$	686	$	—	$	—	$	686	$	268	$	—
Commercial real estate		1,312		—		—		1,312		71		—
	$	1,998		—		—		1,998		339		—

Available-for-sale securities measured at fair value on a recurring basis are summarized below (in thousands):

	Fair Value Measurements Using
	Fair Value		Quoted Prices In Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)

*At March 31, 2019:*
SBA Pool Securities	$	2,191	$	—	$	2,191	$	—

*At December 31, 2018:*
SBA Pool Securities	$	2,359	$	—	$	2,359	$	—

During the three months ended March 31, 2019 and 2018, no securities were transferred in or out of Levels 1, 2 or 3.

(continued)

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Notes to Condensed Consolidated Financial Statements (Unaudited)

(7)

Fair Value of Financial Instruments. The estimated fair values and fair value measurement method with respect to the Company’s financial instruments were as follows (in thousands):

	At March 31, 2019						At December 31, 2018
	Carrying Amount		Fair Value			Level	Carrying Amount		Fair Value			Level
Financial assets:
Cash and cash equivalents	$	13,559	$	13,559		1	$	7,983	$	7,983		1
Securities available for sale		2,191		2,191		2		2,359		2,359		2
Securities held-to-maturity		6,955		7,066		2		7,139		7,175		2
Loans		78,498		78,196		3		77,200		77,062		3
Federal Home Loan Bank stock		642		642		3		1,132		1,132		3
Accrued interest receivable		324		324		3		314		314		3

Financial liabilities:
Deposit liabilities		80,824		80,744		3		62,378		62,243		3
Federal Home Loan Bank advances		13,000		12,951		3		24,600		24,437		3
Junior subordinated debenture		5,155		N/A	⁽¹⁾	3		5,155		N/A	⁽¹⁾	3
Federal funds purchased		—		—		3		560		560		3
Off-balance sheet financial instruments		—		—		3		—		—		3

(1)	The Company is unable to determine value based on significant unobservable inputs required in the calculation. Refer to Note 10 for further information.

(8)	Off- Balance Sheet Financial Instruments. The Company is 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 are commitments to extend credit, unused lines of credit, and standby letters of credit and may involve, to varying degrees, elements of credit and interest-rate risk in excess of the amount recognized in the condensed consolidated balance sheet. The contract amounts of these instruments reflect the extent of involvement the Company has in these financial instruments.

The Company’s exposure to credit loss in the event of non-performance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments as it does for on-balance-sheet instruments.

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Because some of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer’s credit worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company, upon extension of credit, is based on management’s credit evaluation of the counterparty.

Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. The credit risk involved in issuing letters of credit to customers is essentially the same as that involved in extending loan facilities to customers. The Bank generally holds collateral supporting those commitments. Standby letters of credit generally have expiration dates within one year.

Commitments to extend credit, unused lines of credit, and standby letters of credit typically result in loans with a market interest rate when funded. A summary of the contractual amounts of the Company’s financial instruments with off-balance-sheet risk at March 31, 2019 follows (in thousands):

Commitments to extend credit	$	550

Unused lines of credit	$	2,896

Standby letters of credit	$	-

(9)	*Regulatory Matters.* The Bank is subject to various regulatory capital requirements administered by the bank regulatory 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 Company and 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 its 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.

	The Bank, is subject to the Basel III capital level threshold requirements under the Prompt Corrective Action regulations with full compliance phased in over a multi-year schedule. These new regulations were designed to ensure that banks maintain strong capital positions even in the event of severe economic downturns or unforeseen losses.

	The Bank is subject to the capital conservation buffer rules which places limitations on distributions, including dividend payments, and certain discretionary bonus payments to executive officers. In order to avoid these limitations, an institution must hold a capital conservation buffer above its minimum risk-based capital requirements. As of March 31, 2019 and the Bank’s capital conservation buffer exceeds the minimum requirements of 2.50%.

(continued)

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Notes to Condensed Consolidated Financial Statements (Unaudited)

(9)

Regulatory Matters, Continued.

The following table shows the Bank’s capital amounts and ratios and regulatory thresholds at March 31, 2019 and December 31, 2018 (dollars in thousands):

	Actual					For Capital Adequacy Purposes					Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		%			Amount		%			Amount		%
As of March 31, 2019:
Total Capital to Risk-Weighted Assets	$	12,180		15.52	%	$	6,276		8.00	%	$	7,846		10.00	%
Tier I Capital to Risk-Weighted Assets		11,186		14.26			4,707		6.00			6,276		8.00
Common equity Tier I capital to Risk-Weighted Assets		11,186		14.26			3,531		4.50			5,100		6.50
Tier I Capital to Total Assets		11,186		10.86			4,119		4.00			5,149		5.00

As of December 31, 2018:
Total Capital to Risk-Weighted Assets	$	12,155		15.86	%	$	6,132		8.00	%	$	7,665		10.00	%
Tier I Capital to Risk-Weighted Assets		11,181		14.59			4,599		6.00			6,132		8.00
Common equity Tier I capital to Risk-Weighted Assets		11,181		14.59			3,449		4.50			4,983		6.50
Tier I Capital to Total Assets		11,181		11.68			3,828		4.00			4,785		5.00

(continued)

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Notes to Condensed Consolidated Financial Statements (Unaudited)

Memorandum of Understanding. On August 28, 2018, the Bank agreed to the issuance of a Memorandum of Understanding (the “MOU”), with the FDIC and OFR which requires the Bank to take certain measures to improve its safety and soundness. By agreeing to the MOU, the Bank was released from the Consent Order that became effective in 2016, including the restrictions on the interest rates paid on deposits.

Pursuant to the MOU, the Bank is required to take certain measures to maintain qualified management, improve its strategic planning and budgeting process, strengthen the interest rate management practices, limit its asset growth and provide for the ongoing organization, monitoring and operational administration of the Bank Secrecy Act Program. The MOU prohibits the payment of dividends by the Bank.

Management believes the Bank is in substantial compliance with the provisions of the MOU.

Company Written Agreement with Federal Reserve Bank of Atlanta (“Reserve Bank”). On June 22, 2010, the Company and the Reserve Bank entered into a Written Agreement with respect to certain aspects of the operation and management of the Company. The Written Agreement prohibits, without the prior approval of the Reserve Bank, the payment of cash dividends, taking dividends or payments from the Bank, making any interest, principal or other distributions on account of the Debenture, incurring, increasing or guaranteeing any debt, purchasing or redeeming any shares of stock, or appointing any new director or senior executive officer. Management believes that the Company is in substantial compliance with the requirements of the Written Agreement.

(10)	*Junior Subordinated Debenture.* On September 30, 2004, the Company issued a $5,155,000 Junior Subordinated Debenture (the “Debenture”) to Optimum Bank Holdings Capital Trust I, a Delaware statutory trust formed by the Company for the purpose of issuing and selling certain securities (the “Trust Preferred Securities”) representing undivided beneficial interests in the Debenture. The trust issued a total of 5,000 Trust Preferred Securities. The Debenture has a term of thirty years. The interest rate was fixed at 6.40% for the first five years, and thereafter, the coupon rate floats quarterly at the three-month LIBOR rate plus 2.45% (5.05% at March 31, 2019). The Debenture is redeemable in certain circumstances. The terms of the Debenture allow the Company to defer payments of interest on the Debenture by extending the interest payment period at any time during the term of the Debenture for up to twenty consecutive quarterly periods.

	Beginning in 2010, the Company exercised its right to defer payment of interest on the Debenture. Interest payments deferred as of March 31, 2019 totaled $1,776,000. The Company has deferred interest payments with respect to the Debenture for the maximum allowable twenty consecutive quarterly payments. The Company is in default under the Debenture due to its failure to make required interest payments. The Trustee for the Debenture and the beneficial owners of the Debenture can accelerate the $5,155,000 principal balance plus accrued and unpaid interest, as a result of this default. To date, neither the Trustee nor the holders have accelerated the outstanding balance of the Debenture. No adjustments to the accompanying condensed consolidated financial statements have been made as a result of this uncertainty. Under the Written Agreement, the Company is not able to make any interest or principal payments without the prior approval of the Federal Reserve Bank of Atlanta.

	In May 2018, a company affiliated with a director of the Company (the “New Holder”) purchased all 5,000 Trust Preferred Securities from a third party. During the third quarter of 2018, the New Holder sold its rights in approximately 694 of the Trust Preferred Securities to several unaffiliated third parties, who subsequently exchanged these Trust Preferred Securities for 301,778 shares of the Company’s common stock. Under the Written Agreement the exchange of Trust Preferred Securities for the Company’s common stock cannot reduce the principal amount of the Debenture collateralizing the Trust Preferred Securities. Accordingly, the transaction was recorded as an increase in the Company’s equity interest in the unconsolidated subsidiary trust, presented in “Other Assets” in the accompanying condensed consolidated balance sheets.

	Although the Company and the New Holder have not executed a formal, definitive bilateral agreement, the New Holder has provided the Company with written representations that the New Holder will not accelerate and demand payment of any of the remaining 4,306 Trust Preferred Securities principal or accrued interest within twelve months from May 14, 2019, the date the Company’s Form 10-Q as of and for the period ended March 31, 2019, was filed with the Securities and Exchange Commission.

(continued)

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations

The following discussion should be read in conjunction with the condensed consolidated financial statements and notes thereto presented elsewhere in this report. For additional information, refer to the consolidated financial statements and footnotes for the year ended December 31, 2018 in the Annual Report on Form 10-K.

The following discussion and analysis should also be read in conjunction with the condensed consolidated financial statements and notes thereto appearing elsewhere in this report. This Quarterly Report on Form 10-Q contains “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. These forward-looking statements involve known and unknown risks and uncertainties, many of which are beyond the control of the Company, including adverse changes in economic, political and market conditions, losses from the Company’s lending activities and changes in market conditions, the possible loss of key personnel, the impact of increasing competition, the impact of changes in government regulation, the possibility of liabilities arising from violations of federal and state securities laws and the impact of changes in technology in the banking industry. Although the Company believes that its forward-looking statements are based upon reasonable assumptions regarding its business and future market conditions, there can be no assurances that the Company’s actual results will not differ materially from any results expressed or implied by the Company’s forward-looking statements. The Company undertakes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. Readers are cautioned that any forward-looking statements are not guarantees of future performance.

(continued)

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

Management believes the Bank is in substantial compliance with the provisions of the MOU.

Company Written Agreement with Federal Reserve Bank of Atlanta (“Reserve Bank”). On June 22, 2010, the Company and the Reserve Bank entered into a Written Agreement with respect to certain aspects of the operation and management of the Company. The Written Agreement prohibits, without the prior approval of the Reserve Bank, the payment of dividends, taking dividends or payments from the Bank, making any interest, principal or other distributions on account of the Debenture, incurring, increasing or guaranteeing any debt, purchasing or redeeming any shares of stock, or appointing any new director or senior executive officer. Management believes that the Company is in substantial compliance with the requirements of the Written Agreement.

Capital Levels

Quantitative measures established by regulation to ensure capital adequacy require us to maintain minimum amounts and ratios of Total and Tier 1 capital to risk-weighted assets and Tier 1 capital to average assets. As of March 31, 2019, the Bank met the minimum applicable capital adequacy requirements.

Refer to Note 9 for the Bank’s actual and required minimum capital ratios.

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

Financial Condition at March 31, 2019 and December 31, 2018

Overview

The Company’s total assets increased by approximately $6.3 million to $106.7 million at March 31, 2019, from $100.4 million at December 31, 2018, primarily due to an increase in total deposits offset by a decrease in Federal Home Loan Bank advances. Total stockholders’ equity decreased by approximately $133,000 to $5.2 million at March 31, 2019, from $5.3 million at December 31, 2018, primarily due to the net loss for the three months ended March 31, 2019.

The following table shows selected information for the periods ended or at the dates indicated:

	Three Months Ended March 31, 2019			Year Ended December 31, 2018

Average equity as a percentage of average assets		5.0	%		4.4	%

Equity to total assets at end of period		4.8	%		5.3	%

Return on average assets (1)		(0.56	)%		0.9	%

Return on average equity (1)		(11.1	)%		19.8	%

Noninterest expenses to average assets (1)		3.8	%		4.4	%

(1) Annualized for the three months ended March 31, 2019.

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

Liquidity and Sources of Funds

The Company’s sources of funds include customer deposits, advances from the Federal Home Loan Bank of Atlanta (“FHLB”), principal repayments and sales of investment securities, loan repayments, foreclosed real estate sales, the use of Federal Funds markets, net earnings, if any, and loans taken out at the Federal Reserve Bank discount window.

Deposits are our primary source of funds. In order to increase its core deposits, the Company has priced its deposit rates competitively. The Company will adjust rates on its deposits to attract or retain deposits as needed.

The Bank increased deposits by $17.5 million during the three month period ending March 31, 2019. The proceeds were used to paydown FHLB Advances and listing service Certificates of deposits.

In addition to obtaining funds from depositors, we may borrow funds from other financial institutions. At March 31, 2019, the Company had outstanding borrowings of $13.0 million, against its $26.6 million in established borrowing capacity with the FHLB. The Company’s borrowing facility is subject to collateral and stock ownership requirements, as well as prior FHLB consent to each advance. In 2010, the Bank obtained an available discount window credit line with the Federal Reserve Bank, currently $430,000. The Federal Reserve Bank line is subject to collateral requirements and must be repaid within 90 days; each advance is subject to prior Federal Reserve Bank consent. At March 31, 2019, the Company also had lines of credit amounting to $8.4 million with three correspondent banks to purchase federal funds. The Company had no outstanding federal funds purchased at March 31, 2019 and $560,000 outstanding at December 31, 2018. Disbursements on the lines of credit are subject to the approval of the correspondent banks. We measure and monitor our liquidity daily and believe our liquidity sources are adequate to meet our operating needs.

Off-Balance Sheet Arrangements

Refer to Note 8 for Off-Balance Sheet Arrangements

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

Junior Subordinated Debenture

On September 30, 2004, the Company issued a $5,155,000 Junior Subordinated Debenture (the “Debenture”) to Optimum Bank Holdings Capital Trust I, a Delaware statutory trust formed by the Company for the purpose of issuing and selling certain securities (the “Trust Preferred Securities”) representing undivided beneficial interests in the Debenture. The trust issued a total of 5,000 Trust Preferred Securities. The Debenture has a term of thirty years. The interest rate was fixed at 6.40% for the first five years, and thereafter, the coupon rate floats quarterly at the three-month LIBOR rate plus 2.45% (5.05% at March 31, 2019). The Debenture is redeemable in certain circumstances. The terms of the Debenture allow the Company to defer payments of interest on the Debenture by extending the interest payment period at any time during the term of the Debenture for up to twenty consecutive quarterly periods.

Beginning in 2010, the Company exercised its right to defer payment of interest on the Debenture. Interest payments deferred as of March 31, 2019 totaled $1,776,000. The Company has deferred interest payments with respect to the Debenture for the maximum allowable twenty consecutive quarterly payments. The Company is in default under the Debenture due to its failure to make required interest payments. The Trustee for the Debenture and the beneficial owners of the Debenture can accelerate the $5,155,000 principal balance plus accrued and unpaid interest, as a result of this default. To date, neither the Trustee nor the holders have accelerated the outstanding balance of the Debenture. No adjustments to the accompanying condensed consolidated financial statements have been made as a result of this uncertainty. Under the Written Agreement, the Company is not able to make any interest or principal payments without the prior approval of the Federal Reserve Bank of Atlanta.

In May 2018, a company affiliated with a director of the Company (the “New Holder”) purchased all 5,000 Trust Preferred Securities from a third party. During the third quarter of 2018, the New Holder sold its rights in approximately 694 of the Trust Preferred Securities to several unaffiliated third parties, who subsequently exchanged these Trust Preferred Securities for 301,778 shares of the Company’s common stock. Due to regulatory agreement the exchange of Trust Preferred Securities for the Company’s common stock cannot reduce the principal amount of the Debenture collateralizing the Trust Preferred Securities. Accordingly, the transaction was recorded as an increase in the Company’s equity interest in the unconsolidated subsidiary trust, presented in “Other Assets” in the accompanying condensed consolidated balance sheets.

Although the Company and the New Holder have not executed a formal, definitive bilateral agreement, the New Holder has provided the Company with written representations that the New Holder will not accelerate and demand payment of any of the remaining 4,306 Trust Preferred Securities principal or accrued interest within twelve months from May 14, 2019, the date the Company’s Form 10-Q as of and for the period ended March 31, 2019, was filed with the Securities and Exchange Commission.

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

Results of Operations

The following table sets forth, for the periods indicated, information regarding (i) the total dollar amount of interest and dividend income of the Company from interest-earning assets and the resultant average yields; (ii) the total dollar amount of interest expense on interest-bearing liabilities and the resultant average cost; (iii) net interest income; (iv) interest-rate spread; (v) net interest margin; and (vi) the ratio of average interest-earning assets to average interest-bearing liabilities.

	Three Months Ended March 31,
	2019								2018
				Interest		Average						Interest		Average
	Average			and		Yield/			Average			and		Yield/
	Balance			Dividends		Rate⁽⁵⁾			Balance			Dividends		Rate⁽⁵⁾
Interest-earning assets:
Loans	$	82,384		$	1,090		5.29	%	$	71,602		$	916		5.12	%
Securities		9,329			50		2.14			11,606			61		2.10
Other (1)		7,624			62		3.25			6,780			35		2.06

Total interest-earning assets/interest income		99,337			1,202		4.89			89,988			1,012		4.50

Cash and due from banks		2,540								1,461
Premises and equipment		2,836								2,649
Other		(1,237	)							(3,729	)

Total assets	$	103,476							$	90,369

Interest-bearing liabilities:
Savings, NOW and money-market deposits		35,569			146		1.64			21,163			33		0.62
Time deposits		27,596			143		2.07			25,946			79		1.22
Borrowings (2)		21,520			164		3.05			26,093			148		2.27

Total interest-bearing liabilities/interest expense		84,685			453		2.14			73,202			260		1.42

Noninterest-bearing demand deposits		11,258								12,268
Other liabilities		2,282								2,286
Stockholders’ equity		5,251								2,613

Total liabilities and stockholders’ equity	$	103,476							$	90,369

Net interest income				$	749							$	752

Interest rate spread (3)							2.75	%							3.08	%

Net interest margin (4)							3.02	%							3.34	%

Ratio of average interest-earning assets to average interest-bearing liabilities		1.17	%							1.23	%

(1)	Includes interest-earning deposits with banks and Federal Home Loan Bank stock dividends.
(2)	Includes Federal Home Loan Bank advances, other borrowings and the Debenture.
(3)	Interest-rate spread represents the difference between the average yield on interest-earning assets and the average cost of interest-bearing liabilities.
(4)	Net interest margin is net interest income divided by average interest-earning assets.
(5)	Annualized.

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

Comparison of the Three-Month Periods Ended March 31, 2019 and 2018

General. Net loss for the three months ended March 31, 2019, was $(146,000) or $(0.08) per basic and diluted share compared to a net loss of $(285,000) or $(0.24) per basic and diluted share for the period ended March 31, 2018.

Interest Income. Interest income increased $190,000 for the three months ended March 31, 2019 compared to the three months ended March 31, 2018.

Interest Expense. Interest expense on deposits increased $177,000 to $289,000 for the three months ended March 31, 2019 compared to the prior period.

Provision for Loan Losses. There was no provision for losses during the 2019 or 2018 period. The provision for loan losses is charged to operations as losses are estimated to have occurred in order to bring the total allowance for loan losses to a level deemed appropriate by management to absorb losses inherent in the portfolio at March 31, 2019. Management’s periodic evaluation of the adequacy of the allowance is based upon historical experience, the volume and type of lending conducted by us, adverse situations that may affect the borrower’s ability to repay, estimated value of the underlying collateral, loans identified as impaired, general economic conditions, particularly as they relate to our market areas, and other factors related to the estimated collectability of our loan portfolio. The allowance for loan losses totaled $2.0 million or 2.55% of loans outstanding at March 31, 2019, compared to $2.2 million or 2.83% of loans outstanding at December 31, 2018.

Noninterest Income. Total noninterest income increased to $37,000 for the three months ended March 31, 2019, from $14,000 for the three months ended March 31, 2018 due to increased loan related fees.

Noninterest Expenses. Total noninterest expenses decreased $67,000 to $984,000 for the three months ended March 31, 2019 compared to $1.05 million for the three months ended March 31, 2018.

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

Item 4. Controls and Procedures

The Company’s management evaluated the effectiveness of the disclosure controls and procedures as of the end of the period covered by this report, and, based on this evaluation, the Principal Executive Officer and Principal Financial Officer concluded that these disclosure controls and procedures are effective.

There have been no changes in the Company’s internal control over financial reporting during the quarter ended March 31, 2019, that have materially affected, or are reasonably likely to materially affect, internal control over financial reporting.

PART II. OTHER INFORMATION

Item 1. Legal Proceedings

None

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

None

Item 3. Defaults on Senior Securities

Previously disclosed.

Item 4. Mine Safety Disclosures

None

Item 5. Other Information

None

Item 6. Exhibits

The exhibits contained in the Exhibit Index following the signature page are filed with or incorporated by reference into this report.

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

	OPTIMUMBANK HOLDINGS, INC.
	(Registrant)

Date: May 14, 2019	By:	/s/ Timothy Terry
		Timothy Terry,
		Principal Executive Officer

	By:	/s/ David L. Edgar
		David L. Edgar,
		Principal Financial Officer

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

EXHIBIT INDEX

Exhibit No.		Description

31.1		Certification of Principal Executive Officer required by Rule 13a-14(a)/15d-14(a) under the Exchange Act

31.2		Certification of Principal Financial Officer required by Rule 13a-14(a)/15d-14(a) under the Exchange Act

32.1		Certification of Principal Executive Officer

32.2		Certification of Principal Financial Officer

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY

EXHIBIT INDEX

Exhibit No.		Description

101.INS		XBRL Instance Document

101.SCH		XBRL Taxonomy Extension Schema Document

101.CAL		XBRL Taxonomy Extension Calculation Linkbase Document

101.LAB		XBRL Taxonomy Extension Label Linkbase Document

101.PRE		XBRL Taxonomy Extension Presentation Linkbase Document

101.DEF		XBRL Taxonomy Extension Definition Linkbase Document

EX-31.1 2 ex31-1.htm

EXHIBIT 31.1

CERTIFICATION OF THE PRINCIPAL EXECUTIVE OFFICER

REQUIRED BY RULE 13A-14(A)/15D-14(A)

UNDER THE SECURITIES EXCHANGE ACT OF 1934

I, certify that:

1.	I have reviewed this report on Form 10-Q of OptimumBank Holdings, Inc. (the “Company”);

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 am 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 Company and have:

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

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

(c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures 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 Company’s auditors and the Audit Committee of the Company’s Board of Directors:

(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.

	/s/ Timothy Terry
	Timothy Terry
	Principal Executive Officer
	Date: May 14, 2019

EX-31.2 3 ex31-2.htm

EXHIBIT 31.2

CERTIFICATION OF PRINCIPAL FINANCIAL OFFICER

REQUIRED BY RULE 13A-14(A)/15D-14(A)

UNDER THE SECURITIES EXCHANGE ACT OF 1934

I, certify that:

1.	I have reviewed this report on Form 10-Q of OptimumBank Holdings, Inc. (the “Company”);

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 am 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 Company and have:

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 Company’s auditors and the Audit Committee of the Company’s Board of Directors:

(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.

	/s/ David L. Edgar
	David L. Edgar
	Principal Financial Officer
	Date: May 14, 2019

EX-32.1 4 ex32-1.htm

EXHIBIT 32.1

CERTIFICATION OF PRINCIPAL EXECUTIVE OFFICER

PURSUANT TO 18 U.S.C. SECTION 1350,

AS ADDED BY

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of OptimumBank Holdings, Inc. (the “Company”) on Form 10-Q for the three months ended March 31, 2019 as filed with the Securities and Exchange Commission (the “Report”), I, as the Principal Executive Officer of the Company, certify, pursuant to 18 U.S.C. § 1350, as added by § 906 of the Sarbanes-Oxley Act of 2002, that:

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

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

	/s/ Timothy Terry
	Timothy Terry
	Principal Executive Officer
	Date: May 14, 2019

EX-32.2 5 ex32-2.htm

EXHIBIT 32.2

CERTIFICATION OF PRINCIPAL FINANCIAL OFFICER

PURSUANT TO 18 U.S.C. SECTION 1350,

AS ADDED BY

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of OptimumBank Holdings, Inc. (the “Company”) on Form 10-Q for the three months ended March 31, 2019 as filed with the Securities and Exchange Commission (the “Report”), I, as the Principal Financial Officer of the Company, certify, pursuant to 18 U.S.C. § 1350, as added by § 906 of the Sarbanes-Oxley Act of 2002, that:

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

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

	/s/ David L. Edgar
	David L. Edgar
	Principal Financial Officer
	Date: May 14, 2019

EX-101.INS 6 ophc-20190331.xml XBRL INSTANCE FILE 0001288855 2018-01-01 2018-12-31 0001288855 2017-12-31 0001288855 2016-12-31 0001288855 us-gaap:PreferredStockMember 2017-12-31 0001288855 us-gaap:CommonStockMember 2017-12-31 0001288855 us-gaap:AdditionalPaidInCapitalMember 2017-12-31 0001288855 us-gaap:RetainedEarningsMember 2017-12-31 0001288855 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2017-12-31 0001288855 us-gaap:ResidentialPortfolioSegmentMember 2017-12-31 0001288855 OPHC:MultiFamilyRealEstateMember 2017-12-31 0001288855 us-gaap:CommercialRealEstatePortfolioSegmentMember 2017-12-31 0001288855 us-gaap:ConstructionLoansMember 2017-12-31 0001288855 us-gaap:CommercialPortfolioSegmentMember 2017-12-31 0001288855 us-gaap:ConsumerPortfolioSegmentMember 2017-12-31 0001288855 us-gaap:UnallocatedFinancingReceivablesMember 2017-12-31 0001288855 us-gaap:ResidentialPortfolioSegmentMember us-gaap:PassMember 2019-03-31 0001288855 OPHC:MultiFamilyRealEstateMember us-gaap:PassMember 2019-03-31 0001288855 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PassMember 2019-03-31 0001288855 us-gaap:ConstructionLoansMember us-gaap:PassMember 2019-03-31 0001288855 us-gaap:CommercialPortfolioSegmentMember us-gaap:PassMember 2019-03-31 0001288855 us-gaap:ConsumerPortfolioSegmentMember us-gaap:PassMember 2019-03-31 0001288855 us-gaap:PassMember 2019-03-31 0001288855 us-gaap:ResidentialPortfolioSegmentMember us-gaap:SpecialMentionMember 2019-03-31 0001288855 OPHC:MultiFamilyRealEstateMember us-gaap:SpecialMentionMember 2019-03-31 0001288855 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:SpecialMentionMember 2019-03-31 0001288855 us-gaap:ConstructionLoansMember us-gaap:SpecialMentionMember 2019-03-31 0001288855 us-gaap:CommercialPortfolioSegmentMember us-gaap:SpecialMentionMember 2019-03-31 0001288855 us-gaap:ConsumerPortfolioSegmentMember us-gaap:SpecialMentionMember 2019-03-31 0001288855 us-gaap:SpecialMentionMember 2019-03-31 0001288855 us-gaap:ResidentialPortfolioSegmentMember us-gaap:SubstandardMember 2019-03-31 0001288855 OPHC:MultiFamilyRealEstateMember us-gaap:SubstandardMember 2019-03-31 0001288855 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:SubstandardMember 2019-03-31 0001288855 us-gaap:ConstructionLoansMember us-gaap:SubstandardMember 2019-03-31 0001288855 us-gaap:CommercialPortfolioSegmentMember us-gaap:SubstandardMember 2019-03-31 0001288855 us-gaap:ConsumerPortfolioSegmentMember us-gaap:SubstandardMember 2019-03-31 0001288855 us-gaap:SubstandardMember 2019-03-31 0001288855 us-gaap:ResidentialPortfolioSegmentMember us-gaap:DoubtfulMember 2019-03-31 0001288855 OPHC:MultiFamilyRealEstateMember us-gaap:DoubtfulMember 2019-03-31 0001288855 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:DoubtfulMember 2019-03-31 0001288855 us-gaap:ConstructionLoansMember us-gaap:DoubtfulMember 2019-03-31 0001288855 us-gaap:CommercialPortfolioSegmentMember us-gaap:DoubtfulMember 2019-03-31 0001288855 us-gaap:ConsumerPortfolioSegmentMember us-gaap:DoubtfulMember 2019-03-31 0001288855 us-gaap:DoubtfulMember 2019-03-31 0001288855 us-gaap:ResidentialPortfolioSegmentMember OPHC:LossMember 2019-03-31 0001288855 OPHC:MultiFamilyRealEstateMember OPHC:LossMember 2019-03-31 0001288855 us-gaap:CommercialRealEstatePortfolioSegmentMember OPHC:LossMember 2019-03-31 0001288855 us-gaap:ConstructionLoansMember OPHC:LossMember 2019-03-31 0001288855 us-gaap:CommercialPortfolioSegmentMember OPHC:LossMember 2019-03-31 0001288855 us-gaap:ConsumerPortfolioSegmentMember OPHC:LossMember 2019-03-31 0001288855 OPHC:LossMember 2019-03-31 0001288855 2016-01-05 2016-01-06 0001288855 2018-12-31 0001288855 us-gaap:PreferredStockMember 2018-12-31 0001288855 us-gaap:CommonStockMember 2018-12-31 0001288855 us-gaap:AdditionalPaidInCapitalMember 2018-12-31 0001288855 us-gaap:RetainedEarningsMember 2018-12-31 0001288855 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2018-12-31 0001288855 us-gaap:CollateralizedMortgageObligationsMember 2018-12-31 0001288855 OPHC:SBAPoolSecuritiesMember 2018-12-31 0001288855 us-gaap:ResidentialPortfolioSegmentMember 2018-12-31 0001288855 OPHC:MultiFamilyRealEstateMember 2018-12-31 0001288855 us-gaap:CommercialRealEstatePortfolioSegmentMember 2018-12-31 0001288855 us-gaap:ConstructionLoansMember 2018-12-31 0001288855 us-gaap:CommercialPortfolioSegmentMember 2018-12-31 0001288855 us-gaap:ConsumerPortfolioSegmentMember 2018-12-31 0001288855 us-gaap:ResidentialPortfolioSegmentMember 2018-01-01 2018-03-31 0001288855 OPHC:MultiFamilyRealEstateMember 2018-01-01 2018-03-31 0001288855 us-gaap:CommercialRealEstatePortfolioSegmentMember 2018-01-01 2018-03-31 0001288855 us-gaap:ConstructionLoansMember 2018-01-01 2018-03-31 0001288855 us-gaap:CommercialPortfolioSegmentMember 2018-01-01 2018-03-31 0001288855 us-gaap:ConsumerPortfolioSegmentMember 2018-01-01 2018-03-31 0001288855 us-gaap:UnallocatedFinancingReceivablesMember 2018-01-01 2018-03-31 0001288855 us-gaap:UnallocatedFinancingReceivablesMember 2018-12-31 0001288855 us-gaap:ResidentialPortfolioSegmentMember us-gaap:PassMember 2018-12-31 0001288855 OPHC:MultiFamilyRealEstateMember us-gaap:PassMember 2018-12-31 0001288855 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PassMember 2018-12-31 0001288855 us-gaap:ConstructionLoansMember us-gaap:PassMember 2018-12-31 0001288855 us-gaap:CommercialPortfolioSegmentMember us-gaap:PassMember 2018-12-31 0001288855 us-gaap:ConsumerPortfolioSegmentMember us-gaap:PassMember 2018-12-31 0001288855 us-gaap:PassMember 2018-12-31 0001288855 us-gaap:ResidentialPortfolioSegmentMember us-gaap:SpecialMentionMember 2018-12-31 0001288855 OPHC:MultiFamilyRealEstateMember us-gaap:SpecialMentionMember 2018-12-31 0001288855 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:SpecialMentionMember 2018-12-31 0001288855 us-gaap:ConstructionLoansMember us-gaap:SpecialMentionMember 2018-12-31 0001288855 us-gaap:CommercialPortfolioSegmentMember us-gaap:SpecialMentionMember 2018-12-31 0001288855 us-gaap:ConsumerPortfolioSegmentMember us-gaap:SpecialMentionMember 2018-12-31 0001288855 us-gaap:SpecialMentionMember 2018-12-31 0001288855 us-gaap:ResidentialPortfolioSegmentMember us-gaap:SubstandardMember 2018-12-31 0001288855 OPHC:MultiFamilyRealEstateMember us-gaap:SubstandardMember 2018-12-31 0001288855 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:SubstandardMember 2018-12-31 0001288855 us-gaap:ConstructionLoansMember us-gaap:SubstandardMember 2018-12-31 0001288855 us-gaap:CommercialPortfolioSegmentMember us-gaap:SubstandardMember 2018-12-31 0001288855 us-gaap:ConsumerPortfolioSegmentMember us-gaap:SubstandardMember 2018-12-31 0001288855 us-gaap:SubstandardMember 2018-12-31 0001288855 us-gaap:ResidentialPortfolioSegmentMember us-gaap:DoubtfulMember 2018-12-31 0001288855 OPHC:MultiFamilyRealEstateMember us-gaap:DoubtfulMember 2018-12-31 0001288855 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:DoubtfulMember 2018-12-31 0001288855 us-gaap:ConstructionLoansMember us-gaap:DoubtfulMember 2018-12-31 0001288855 us-gaap:CommercialPortfolioSegmentMember us-gaap:DoubtfulMember 2018-12-31 0001288855 us-gaap:ConsumerPortfolioSegmentMember us-gaap:DoubtfulMember 2018-12-31 0001288855 us-gaap:DoubtfulMember 2018-12-31 0001288855 us-gaap:ResidentialPortfolioSegmentMember OPHC:LossMember 2018-12-31 0001288855 OPHC:MultiFamilyRealEstateMember OPHC:LossMember 2018-12-31 0001288855 us-gaap:CommercialRealEstatePortfolioSegmentMember OPHC:LossMember 2018-12-31 0001288855 us-gaap:ConstructionLoansMember OPHC:LossMember 2018-12-31 0001288855 us-gaap:CommercialPortfolioSegmentMember OPHC:LossMember 2018-12-31 0001288855 us-gaap:ConsumerPortfolioSegmentMember OPHC:LossMember 2018-12-31 0001288855 OPHC:LossMember 2018-12-31 0001288855 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2019-03-31 0001288855 OPHC:MultiFamilyRealEstateMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2019-03-31 0001288855 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2019-03-31 0001288855 us-gaap:ConstructionLoansMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2019-03-31 0001288855 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2019-03-31 0001288855 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2019-03-31 0001288855 us-gaap:FinancingReceivables30To59DaysPastDueMember 2019-03-31 0001288855 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2019-03-31 0001288855 OPHC:MultiFamilyRealEstateMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2019-03-31 0001288855 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2019-03-31 0001288855 us-gaap:ConstructionLoansMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2019-03-31 0001288855 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2019-03-31 0001288855 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2019-03-31 0001288855 us-gaap:FinancingReceivables60To89DaysPastDueMember 2019-03-31 0001288855 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2019-03-31 0001288855 OPHC:MultiFamilyRealEstateMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2019-03-31 0001288855 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2019-03-31 0001288855 us-gaap:ConstructionLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2019-03-31 0001288855 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2019-03-31 0001288855 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2019-03-31 0001288855 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2019-03-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FairValueMeasuredAtNetAssetValuePerShareMember 2018-12-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FairValueInputsLevel1Member 2018-12-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FairValueInputsLevel2Member 2018-12-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FairValueInputsLevel3Member 2018-12-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:ResidentialPortfolioSegmentMember 2018-12-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:ResidentialPortfolioSegmentMember 2018-10-01 2018-12-31 0001288855 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueMeasuredAtNetAssetValuePerShareMember OPHC:SBAPoolSecuritiesMember 2018-12-31 0001288855 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member OPHC:SBAPoolSecuritiesMember 2018-12-31 0001288855 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member OPHC:SBAPoolSecuritiesMember 2018-12-31 0001288855 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member OPHC:SBAPoolSecuritiesMember 2018-12-31 0001288855 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueMeasuredAtNetAssetValuePerShareMember OPHC:SBAPoolSecuritiesMember 2019-03-31 0001288855 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member OPHC:SBAPoolSecuritiesMember 2019-03-31 0001288855 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member OPHC:SBAPoolSecuritiesMember 2019-03-31 0001288855 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member OPHC:SBAPoolSecuritiesMember 2019-03-31 0001288855 2016-01-06 0001288855 OPHC:CommercialMember 2018-12-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueMeasuredAtNetAssetValuePerShareMember 2018-12-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel1Member 2018-12-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2018-12-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2018-12-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember 2018-12-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember 2018-10-01 2018-12-31 0001288855 OPHC:DesignatedSeriesAPreferredStockMember 2018-12-31 0001288855 2018-04-30 0001288855 us-gaap:FairValueInputsLevel1Member 2018-12-31 0001288855 us-gaap:FairValueInputsLevel2Member 2018-12-31 0001288855 us-gaap:FairValueInputsLevel3Member 2018-12-31 0001288855 us-gaap:FairValueInputsLevel1Member 2019-03-31 0001288855 us-gaap:FairValueInputsLevel2Member 2019-03-31 0001288855 us-gaap:FairValueInputsLevel3Member 2019-03-31 0001288855 2004-09-30 0001288855 2004-09-29 2004-09-30 0001288855 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2019-03-31 0001288855 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2019-03-31 0001288855 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2018-12-31 0001288855 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2018-12-31 0001288855 2018-01-01 2018-03-31 0001288855 OPHC:NewHolderMember 2018-05-01 2018-05-31 0001288855 OPHC:SeveralUnaffiliatedThirdPartiesMember OPHC:NewHolderMember 2018-07-01 2018-09-30 0001288855 srt:DirectorMember 2017-12-31 0001288855 srt:DirectorMember 2017-01-01 2017-12-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FairValueMeasuredAtNetAssetValuePerShareMember 2018-12-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FairValueInputsLevel1Member 2018-12-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FairValueInputsLevel2Member 2018-12-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FairValueInputsLevel3Member 2018-12-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2018-12-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2018-10-01 2018-12-31 0001288855 2019-01-01 2019-03-31 0001288855 2019-05-06 0001288855 2019-03-31 0001288855 OPHC:OptimumBankHoldingsCapitalTrustIMember 2019-01-01 2019-03-31 0001288855 2018-03-31 0001288855 2017-03-31 0001288855 us-gaap:CollateralizedMortgageObligationsMember 2019-03-31 0001288855 OPHC:SBAPoolSecuritiesMember 2019-03-31 0001288855 us-gaap:ResidentialPortfolioSegmentMember 2019-03-31 0001288855 OPHC:MultiFamilyRealEstateMember 2019-03-31 0001288855 us-gaap:CommercialRealEstatePortfolioSegmentMember 2019-03-31 0001288855 us-gaap:ConstructionLoansMember 2019-03-31 0001288855 us-gaap:CommercialPortfolioSegmentMember 2019-03-31 0001288855 us-gaap:ConsumerPortfolioSegmentMember 2019-03-31 0001288855 us-gaap:ResidentialPortfolioSegmentMember 2019-01-01 2019-03-31 0001288855 OPHC:MultiFamilyRealEstateMember 2019-01-01 2019-03-31 0001288855 us-gaap:CommercialRealEstatePortfolioSegmentMember 2019-01-01 2019-03-31 0001288855 us-gaap:ConstructionLoansMember 2019-01-01 2019-03-31 0001288855 us-gaap:CommercialPortfolioSegmentMember 2019-01-01 2019-03-31 0001288855 us-gaap:ConsumerPortfolioSegmentMember 2019-01-01 2019-03-31 0001288855 us-gaap:UnallocatedFinancingReceivablesMember 2019-01-01 2019-03-31 0001288855 us-gaap:UnallocatedFinancingReceivablesMember 2019-03-31 0001288855 us-gaap:ResidentialPortfolioSegmentMember 2018-03-31 0001288855 OPHC:MultiFamilyRealEstateMember 2018-03-31 0001288855 us-gaap:CommercialRealEstatePortfolioSegmentMember 2018-03-31 0001288855 us-gaap:ConstructionLoansMember 2018-03-31 0001288855 us-gaap:CommercialPortfolioSegmentMember 2018-03-31 0001288855 us-gaap:ConsumerPortfolioSegmentMember 2018-03-31 0001288855 us-gaap:UnallocatedFinancingReceivablesMember 2018-03-31 0001288855 OPHC:CommercialMember 2019-03-31 0001288855 OPHC:CommercialMember 2019-01-01 2019-03-31 0001288855 OPHC:CommercialMember 2018-01-01 2018-03-31 0001288855 OPHC:TwoThousandElevenEquityIncentivePlanMember 2019-01-01 2019-03-31 0001288855 us-gaap:FairValueInputsLevel1Member 2019-01-01 2019-03-31 0001288855 us-gaap:FairValueInputsLevel2Member 2019-01-01 2019-03-31 0001288855 us-gaap:FairValueInputsLevel3Member 2019-01-01 2019-03-31 0001288855 us-gaap:FairValueInputsLevel1Member 2018-01-01 2018-03-31 0001288855 us-gaap:FairValueInputsLevel2Member 2018-01-01 2018-03-31 0001288855 us-gaap:FairValueInputsLevel3Member 2018-01-01 2018-03-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FairValueMeasuredAtNetAssetValuePerShareMember 2019-03-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FairValueInputsLevel1Member 2019-03-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FairValueInputsLevel2Member 2019-03-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FairValueInputsLevel3Member 2019-03-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:ResidentialPortfolioSegmentMember 2019-03-31 0001288855 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:ResidentialPortfolioSegmentMember 2019-01-01 2019-03-31 0001288855 OPHC:LIBORMember 2004-09-29 2004-09-30 0001288855 OPHC:LIBORMember 2019-01-01 2019-03-31 0001288855 us-gaap:CommonStockMember 2018-01-01 2018-03-31 0001288855 us-gaap:CommonStockMember 2019-01-01 2019-03-31 0001288855 us-gaap:CommonStockMember 2018-03-31 0001288855 us-gaap:CommonStockMember 2019-03-31 0001288855 us-gaap:AdditionalPaidInCapitalMember 2018-01-01 2018-03-31 0001288855 us-gaap:AdditionalPaidInCapitalMember 2019-01-01 2019-03-31 0001288855 us-gaap:AdditionalPaidInCapitalMember 2018-03-31 0001288855 us-gaap:AdditionalPaidInCapitalMember 2019-03-31 0001288855 us-gaap:RetainedEarningsMember 2018-01-01 2018-03-31 0001288855 us-gaap:RetainedEarningsMember 2019-01-01 2019-03-31 0001288855 us-gaap:RetainedEarningsMember 2018-03-31 0001288855 us-gaap:RetainedEarningsMember 2019-03-31 0001288855 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2018-01-01 2018-03-31 0001288855 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2019-01-01 2019-03-31 0001288855 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2018-03-31 0001288855 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2019-03-31 0001288855 us-gaap:PreferredStockMember 2019-01-01 2019-03-31 0001288855 us-gaap:PreferredStockMember 2018-01-01 2018-03-31 0001288855 us-gaap:PreferredStockMember 2018-03-31 0001288855 us-gaap:PreferredStockMember 2019-03-31 0001288855 us-gaap:AccountingStandardsUpdate201602Member 2019-01-01 2019-03-31 0001288855 OPHC:DesignatedSeriesAPreferredStockMember 2019-03-31 0001288855 OPHC:TwoThousandElevenEquityIncentivePlanMember 2019-03-31 0001288855 OPHC:TwoThousandEighteenEquityIncentivePlanMember 2019-03-31 0001288855 OPHC:TwoThousandEighteenEquityIncentivePlanMember 2019-01-01 2019-03-31 0001288855 srt:DirectorMember 2019-01-01 2019-03-31 0001288855 srt:DirectorMember 2019-03-31 0001288855 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2018-12-31 0001288855 OPHC:MultiFamilyRealEstateMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2018-12-31 0001288855 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2018-12-31 0001288855 us-gaap:ConstructionLoansMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2018-12-31 0001288855 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2018-12-31 0001288855 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2018-12-31 0001288855 us-gaap:FinancingReceivables30To59DaysPastDueMember 2018-12-31 0001288855 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2018-12-31 0001288855 OPHC:MultiFamilyRealEstateMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2018-12-31 0001288855 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2018-12-31 0001288855 us-gaap:ConstructionLoansMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2018-12-31 0001288855 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2018-12-31 0001288855 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2018-12-31 0001288855 us-gaap:FinancingReceivables60To89DaysPastDueMember 2018-12-31 0001288855 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2018-12-31 0001288855 OPHC:MultiFamilyRealEstateMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2018-12-31 0001288855 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2018-12-31 0001288855 us-gaap:ConstructionLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2018-12-31 0001288855 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2018-12-31 0001288855 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2018-12-31 0001288855 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2018-12-31 iso4217:USD xbrli:shares iso4217:USD xbrli:shares xbrli:pure OPHC:Number OptimumBank Holdings, Inc. 0001288855 10-Q 2019-03-31 false --12-31 Q1 OPHC

2359000

2191000

2359000

2191000

2359000

2191000

314000

324000

314000

324000

1573000

1884000

100368000

106722000

26058000

27574000

5155000

2095000

2305000

2545000

11000

34090000

-31306000

-250000

5306000

18000

36128000

-30510000

-330000

5173000

2873000

13000

18000

34748000

36128000

-31591000

-30660000

-297000

-313000

100368000

106722000

3991000

641000

59000

759000

22000

55000

86000

2369000

2243000

544000

88000

567000

19000

850000

25000

150000

4200000

2047000

3993000

532000

65000

628000

553000

19000

250000

647000

67000

712000

28000

279000

59000

2201000

6000000

0.01

5000000

1858020

-285000

-146000

-285000

-146000

144742

3000

311000

151000

192000

<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px"> </td> <td style="font: 11pt/107% Calibri, Helvetica, Sans-Serif; text-align: justify">The components of loans are as follows (in thousands):</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">At  March 31, 2019</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">At  December 31, 2018</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 61%; padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%">Residential real estate</td> <td style="width: 2%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 16%; text-align: right; line-height: 107%">26,015</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 16%; text-align: right; line-height: 107%">27,204</td> <td style="width: 1%; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%">Multi-family real estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">6,455</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">8,195</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%">Commercial real estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">42,886</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">36,634</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%">Land and construction</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1,998</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%">Commercial</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4,867</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4,997</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%">Consumer</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">189</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">260</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%">Total loans</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">80,412</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">79,288</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%">Add (deduct):</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 0.25in; text-indent: -8.65pt; line-height: 107%">Net deferred loan fees, costs and premiums</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">133</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">155</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 0.25in; text-indent: -8.65pt; line-height: 107%">Allowance for loan losses</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">(2,047</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">(2,243</td> <td style="line-height: 107%">)</td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%">Loans, net</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">78,498</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">77,200</td> <td style="line-height: 107%"> </td></tr> </table>

<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px"> </td> <td style="font: 11pt/107% Calibri, Helvetica, Sans-Serif; text-align: justify">The following summarizes the loan credit quality (in thousands):</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Pass</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">OLEM  (Other Loans  Especially Mentioned)</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Sub- standard</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Doubtful</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Loss</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Total</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">At March 31, 2019:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 38%; padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Residential real estate</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 6%; text-align: right; line-height: 107%">25,067</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 10%; text-align: right; line-height: 107%">—</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 8%; text-align: right; line-height: 107%">948</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 8%; text-align: right; line-height: 107%">—</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 6%; text-align: right; line-height: 107%">—</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 6%; text-align: right; line-height: 107%">26,015</td> <td style="width: 1%; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Multi-family real estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">6,455</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">6,455</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Commercial real estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">38,699</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1,730</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">2,457</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">42,886</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Land and construction</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Commercial</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">2,355</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">706</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1,806</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4,867</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Consumer</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">189</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">189</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Total</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">72,765</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">2,436</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">5,211</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">80,412</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">At December 31, 2018:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Residential real estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">26,250</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">954</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">27,204</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Multi-family real estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">8,195</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">8,195</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Commercial real estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">31,050</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1,723</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">3,861</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">36,634</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Land and construction</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1,998</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1,998</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Commercial</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">2,362</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">707</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1,928</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4,997</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Consumer</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">260</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">260</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Total</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">70,115</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">2,430</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">6,743</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">79,288</td> <td style="line-height: 107%"> </td></tr> </table>

The following summarizes the amount of impaired loans (in thousands):   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="10" style="border-bottom: black 1.5pt solid; text-align: center">At March 31, 2019</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="10" style="border-bottom: black 1.5pt solid; text-align: center">At December 31, 2018</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Recorded Investment</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Unpaid Principal Balance</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Related Allowance</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Recorded Investment</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Unpaid Principal Balance</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Related Allowance</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 40%; padding-left: 8.65pt; text-indent: -8.65pt">With no related allowance recorded:</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 7%; text-align: right"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 7%; text-align: right"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 7%; text-align: right"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 7%; text-align: right"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 7%; text-align: right"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 7%; text-align: right"> </td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Commercial real estate</td> <td> </td> <td>$</td> <td style="text-align: right">2,457</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">2,457</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">2,259</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">2,259</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">—</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">994</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">994</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,114 </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,114 </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; text-indent: -8.65pt">With related allowance recorded:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Residential real estate</td> <td> </td> <td> </td> <td style="text-align: right">948</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">948</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">261</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">954</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">954</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">268</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Commercial real estate</td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,602</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,602</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">162</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">812</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">812</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">523</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">814 </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">814 </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">814 </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; text-indent: -8.3pt">Total:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt; padding-left: 17.3pt; text-indent: -8.65pt">Residential real estate</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">948</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">948</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">261</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">954</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">954</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">268</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt; padding-left: 17.3pt; text-indent: -8.65pt">Commercial real estate</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">2,457</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">2,457</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">3,861</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">3,861</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">162</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt; padding-left: 17.3pt; text-indent: -8.65pt">Commercial</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,806</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,806</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">523</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,928</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,928</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">814</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt; text-indent: 18.7pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">5,211</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">5,211</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">784</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">6,743</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">6,743</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,244</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>

<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px"> </td> <td style="font: 11pt/107% Calibri, Helvetica, Sans-Serif; text-align: justify">The average net investment in impaired loans and interest income recognized and received on impaired loans are as follows (in thousands):</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="10" style="text-align: center; line-height: 107%">Three Months Ended</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="10" style="text-align: center; line-height: 107%">Three Months Ended</td> <td style="text-align: center; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="10" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">March 31, 2019</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="10" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">March 31, 2018</td> <td style="text-align: center; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Average  Recorded  Investment</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Interest  Income  Recognized</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Interest  Income  Received</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Average  Recorded  Investment</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Interest  Income  Recognized</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Interest  Income  Received</td> <td style="text-align: center; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 28%; padding-left: 10pt; text-indent: -10pt; line-height: 107%">Residential real estate</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">951</td> <td style="width: 1%; text-align: right; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%"> </td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">18</td> <td style="width: 1%; text-align: right; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%"> </td> <td style="width: 7%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">18</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">696</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">19</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 7%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">19</td> <td style="width: 1%; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; text-indent: -10pt; line-height: 107%">Commercial real estate</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">3,506</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">29</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">38</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">702</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">12</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">13</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">Commercial</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">1,860</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">24</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">28</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">537</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">17</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">17</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 20pt; text-indent: -10pt; line-height: 107%">Total</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">6,317</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">71</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">84</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">1,935</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">48</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">49</td> <td style="line-height: 107%"> </td></tr> </table>

<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 29px; font: 12pt Times New Roman, Times, Serif"></td> <td style="font: 12pt Times New Roman, Times, Serif; text-align: justify">Those impaired collateral-dependent loans which are measured at fair value on a nonrecurring basis are as follows (in thousands):</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom; background-color: white"> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid"> Fair Value</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Level 1</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Level 2</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Level 3</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid"> Total Losses</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid"> Losses Recorded in Operations For the three months ended March 31, 2019</td> <td style="text-align: center; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">At March 31, 2019:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 32%; padding-left: 10pt; line-height: 107%">Residential real estate</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 7%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">687</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 7%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 7%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 7%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">687</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 7%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">261</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 15%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="width: 1%; line-height: 107%"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom; background-color: white"> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid"> Fair Value</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Level 1</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Level 2</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Level 3</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid"> Total Losses</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid"> Losses Recorded in Operations For the three monthsended December 31, 2018</td> <td style="text-align: center; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">At December 31, 2018:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 32%; padding-left: 10pt; line-height: 107%">Residential real estate</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 7%; text-align: right; line-height: 107%">686</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 7%; text-align: right; line-height: 107%"> —</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 7%; text-align: right; line-height: 107%">—</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 7%; text-align: right; line-height: 107%">686</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 7%; text-align: right; line-height: 107%">268</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 15%; text-align: right; line-height: 107%">—</td> <td style="width: 1%; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt; line-height: 107%">Commercial real estate</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">1,312</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">1,312</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">71</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">1,998</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">1,998</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">339</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td></tr> </table>

<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 29px; font: 12pt Times New Roman, Times, Serif; text-align: justify"></td> <td style="font: 12pt Times New Roman, Times, Serif; text-align: justify"> The estimated fair values and fair value measurement method with respect to the Company’s financial instruments were as follows (in thousands):</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="9" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">At March 31, 2019</td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="9" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">At December 31, 2018</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid"> Carrying Amount</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid"> Fair Value</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Level</td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid"> Carrying Amount</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid"> Fair Value</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Level</td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">Financial assets:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 42%; padding-left: 10pt; line-height: 107%">Cash and cash equivalents</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 8%; text-align: right; line-height: 107%">13,559</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 7%; text-align: right; line-height: 107%">13,559</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 7%; text-align: center; line-height: 107%">1</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 8%; text-align: right; line-height: 107%">7,983</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 7%; text-align: right; line-height: 107%">7,983</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 7%; text-align: center; line-height: 107%">1</td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt; line-height: 107%">Securities available for sale</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">2,191</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">2,191</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%">2</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">2,359</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">2,359</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%">2</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; line-height: 107%">Securities held-to-maturity</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">6,955</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">7,066</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%">2</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">7,139</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">7,175</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%">2</td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt; line-height: 107%">Loans</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">78,498</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">78,196</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%">3</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">77,200</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">77,062</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%">3</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; line-height: 107%">Federal Home Loan Bank stock</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">642</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">642</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%">3</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1,132</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1,132</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%">3</td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt; line-height: 107%">Accrued interest receivable</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">324</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">324</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%">3</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">314</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">314</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%">3</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">Financial liabilities:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; line-height: 107%">Deposit liabilities</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">80,824</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">80,744</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%">3</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">62,378</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">62,243</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%">3</td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt; line-height: 107%">Federal Home Loan Bank advances</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">13,000</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">12,951</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%">3</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">24,600</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">24,437</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%">3</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; line-height: 107%">Junior subordinated debenture</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">5,155</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">N/A</td> <td style="line-height: 107%">(1)</td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%">3</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">5,155</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">N/A</td> <td style="line-height: 107%">(1)</td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%">3</td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt; line-height: 107%">Federal funds purchased</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%">3</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">560</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">560</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%">3</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; line-height: 107%">Off-balance sheet financial instruments</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%">3</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: center; line-height: 107%">3</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 29px; line-height: 107%">(1)</td> <td style="text-align: justify; line-height: 107%">The Company is unable to determine value based on significant unobservable inputs required in the calculation. Refer to Note 10 for further information.</td></tr> </table>

916000

1090000

61000

50000

35000

62000

1012000

1202000

112000

289000

148000

164000

260000

453000

752000

749000

752000

749000

4000

15000

14000

37000

438000

501000

104000

113000

77000

124000

65000

99000

24000

39000 4000

304000

119000

20814

10000 22000

6049000

11347000

1934000

2212000

1132000

642000

2668000

2669000

9638000

11641000

62378000

80824000

24600000

13000000

274000 265000

95062000

101549000

18000

36128000

-30510000

-30660000

-330000

-313000

614000

2000

612000

7983000

13559000

-6000

-190000

-6841000

6286000

46000

7139000

7945000

7139000

6955000

7066000

7139000

7175000

6955000

432

2423000

2250000

64000

59000

25067000

6455000

38699000

2355000

189000

72765000

1730000

706000

2436000

948000

2457000

1806000

5211000

79288000

27204000

8195000

36634000

1998000

4997000

260000

26250000

8195000

31050000

1998000

2362000

260000

70115000

1723000

707000

2430000

954000

3861000

1928000

6743000

80412000

26015000

6455000

42886000

4867000

189000

155000

133000

6000

8000

-47000

224000

-23000

-168000

-12000

-23000

256000

-25000

-297000

1000

100000

9000

202000

195000

7000

6000

5000

11000

6000

6743000

954000

3861000

1928000

5211000

948000

2457000

1806000

1244000

268000

162000

814000

784000

261000

523000

72545000

26250000

8195000

32773000

1998000

3069000

260000

75201000

25067000

6455000

40429000

3061000

189000

999000

276000

88000

405000

19000

36000

25000

150000

1263000

271000

65000

628000

30000

19000

250000

2259000

1114000

2457000

994000

2259000

1114000

2457000

994000

954000

1602000

814000

948000

812000

954000

1602000

814000

948000

812000

268000

162000

814000

261000

523000

6743000

954000

3861000

1928000

5211000

948000

2457000

1806000

6743000

954000

3861000

1928000

5211000

948000

2457000

1806000

1244000 268000 162000 814000 784000 261000 523000

696000

702000

1935000

6317000

951000

3506000

1860000

537000

19000

12000

48000

71000

18000

29000

24000

17000

19000

13000

49000

84000

18000

38000

28000

17000

0.1168

0.1086

0.1459

0.1426

0.1459 0.1426

0.1586

0.1552

1173018

1858020

686000

268000

1998000

339000

77062000

78498000

78196000

77200000

77062000

1312000

71000

687000

261000

11329000

642000

1132000

12155000

12180000

11181000

11186000

11181000 11186000

11181000

11186000

6132000

6276000

0.0800

4599000

4707000

0.0600

3449000 3531000 0.0450 0.0450

3828000

4119000

0.0400

7665000

7846000

0.1000

6132000

6276000

0.0800

4983000 5100000 0.0650 0.0650

4785000

5149000

0.0500

829000

2191000

1530000

7175000

7066000

111000

-52000

Non-accelerated Filer true false false

1.00

1858020

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 29px; text-align: justify; line-height: 107%">(9)</td> <td style="text-align: justify; line-height: 107%">Regulatory Matters. The Bank is subject to various regulatory capital requirements administered by the bank regulatory 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 Company and 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 its 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.</td></tr> <tr style="vertical-align: top"> <td style="text-align: justify; line-height: 107%"> </td> <td style="text-align: justify; line-height: 107%"> </td></tr> <tr style="vertical-align: top"> <td style="text-align: justify; line-height: 107%"> </td> <td style="text-align: justify; line-height: 107%">The Bank, is subject to the Basel III capital level threshold requirements under the Prompt Corrective Action regulations with full compliance phased in over a multi-year schedule. These new regulations were designed to ensure that banks maintain strong capital positions even in the event of severe economic downturns or unforeseen losses.</td></tr> <tr style="vertical-align: top"> <td style="text-align: justify; line-height: 107%"> </td> <td style="text-align: justify; line-height: 107%"> </td></tr> <tr style="vertical-align: top"> <td style="text-align: justify; line-height: 107%"> </td> <td style="text-align: justify; line-height: 107%">The Bank is subject to the capital conservation buffer rules which places limitations on distributions, including dividend payments, and certain discretionary bonus payments to executive officers. In order to avoid these limitations, an institution must hold a capital conservation buffer above its minimum risk-based capital requirements. As of March 31, 2019 and the Bank’s capital conservation buffer exceeds the minimum requirements of 2.50%.</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 29px"> </td> <td style="text-align: justify; line-height: 107%"> The following table shows the Bank’s capital amounts and ratios and regulatory thresholds at March 31, 2019 and December 31, 2018 (dollars in thousands):</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Actual</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid"> For Capital Adequacy Purposes</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid"> Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions</td> <td style="text-align: center; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Amount</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">%</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Amount</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">%</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Amount</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">%</td> <td style="text-align: center; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">As of March 31, 2019:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; line-height: 107%">Total Capital to Risk-Weighted Assets</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">12,180</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">15.52</td> <td style="line-height: 107%">%</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">6,276</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">8.00</td> <td style="line-height: 107%">%</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">7,846</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">10.00</td> <td style="line-height: 107%">%</td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt; line-height: 107%">Tier I Capital to Risk-Weighted Assets</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">11,186</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">14.26</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4,707</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">6.00</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">6,276</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">8.00</td> <td style="line-height: 107%"> </td></tr> <tr style="background-color: white"> <td style="vertical-align: bottom; padding-left: 10pt; line-height: 107%">Common equity Tier I capital to Risk-Weighted Assets</td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; text-align: right; line-height: 107%">11,186</td> <td style="vertical-align: top; line-height: 107%"> </td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; text-align: right; line-height: 107%">14.26</td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; text-align: right; line-height: 107%">3,531</td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; text-align: right; line-height: 107%">4.50</td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; text-align: right; line-height: 107%">5,100</td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; text-align: right; line-height: 107%">6.50</td> <td style="vertical-align: bottom; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt; line-height: 107%">Tier I Capital to Total Assets</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">11,186</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">10.86</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4,119</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4.00</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">5,149</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">5.00</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">As of December 31, 2018:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 45%; padding-left: 10pt; line-height: 107%">Total Capital to Risk-Weighted Assets</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 7%; text-align: right; line-height: 107%">12,155</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 6%; text-align: right; line-height: 107%">15.86</td> <td style="width: 1%; line-height: 107%">%</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 7%; text-align: right; line-height: 107%">6,132</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 5%; text-align: right; line-height: 107%">8.00</td> <td style="width: 1%; line-height: 107%">%</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 7%; text-align: right; line-height: 107%">7,665</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 5%; text-align: right; line-height: 107%">10.00</td> <td style="width: 1%; line-height: 107%">%</td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt; line-height: 107%">Tier I Capital to Risk-Weighted Assets</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">11,181</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">14.59</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4,599</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">6.00</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">6,132</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">8.00</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; line-height: 107%">Common equity Tier I capital to Risk-Weighted Assets</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">11,181</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">14.59</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">3,449</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4.50</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4,983</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">6.50</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt; line-height: 107%">Tier I Capital to Total Assets</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">11,181</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">11.68</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">3,828</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4.00</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4,785</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">5.00</td> <td style="line-height: 107%"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 29px; text-align: justify; line-height: 107%"> </td> <td> Memorandum of Understanding. On August 28, 2018, the Bank agreed to the issuance of a Memorandum of Understanding (the “MOU”), with the FDIC and OFR which requires the Bank to take certain measures to improve its safety and soundness. By agreeing to the MOU, the Bank was released from the Consent Order that became effective in 2016, including the restrictions on the interest rates paid on deposits.   Pursuant to the MOU, the Bank is required to take certain measures to maintain qualified management, improve its strategic planning and budgeting process, strengthen the interest rate management practices, limit its asset growth and provide for the ongoing organization, monitoring and operational administration of the Bank Secrecy Act Program. The MOU prohibits the payment of dividends by the Bank.   Management believes the Bank has Satisfied the majority of the provisions of the MOU.   Company Written Agreement with Federal Reserve Bank of Atlanta (“Reserve Bank”). On June 22, 2010, the Company and the Reserve Bank entered into a Written Agreement with respect to certain aspects of the operation and management of the Company. The Written Agreement prohibits, without the prior approval of the Reserve Bank, the payment of cash dividends, taking dividends or payments from the Bank, making any interest, principal or other distributions on account of the Debenture, incurring, increasing or guaranteeing any debt, purchasing or redeeming any shares of stock, or appointing any new director or senior executive officer. Management believes that the Company is in substantial compliance with the requirements of the Written Agreement.</td></tr> </table>

<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px"> </td> <td style="font: 12pt Times New Roman, Times, Serif; text-align: justify">The carrying amount of securities and approximate fair values are as follows (in thousands):</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Amortized Cost</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Gross Unrealized Gains</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Gross Unrealized Losses</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Fair Value</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 8.65pt; text-indent: -8.65pt">At March 31, 2019:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Held-to-Maturity -</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 48%; padding-bottom: 2.5pt; padding-left: 0.25in; text-indent: -8.65pt">Collateralized mortgage obligations</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right">6,955</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right">111</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right">—</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right">7,066</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Available for Sale -</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt; padding-left: 0.25in; text-indent: -8.65pt">SBA Pool Securities</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">2,250</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">(59</td> <td style="padding-bottom: 2.5pt">)</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">2,191</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Amortized Cost</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Gross Unrealized Gains</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Gross Unrealized Losses</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Fair Value</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: right"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: right"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: right"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>At December 31, 2018:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Held-to-Maturity -</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 48%; padding-bottom: 2.5pt; padding-left: 9pt">Collateralized mortgage obligations</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right">7,139</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right">40</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right">(4</td> <td style="width: 1%; padding-bottom: 2.5pt">)</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right">7,175</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Available for Sale -</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt; padding-left: 9pt">SBA Pool Securities</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">2,423</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">-</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">(64</td> <td style="padding-bottom: 2.5pt">)</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">2,359</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>

Available-for-sale securities measured at fair value on a recurring basis are summarized below (in thousands):   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="14" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Fair Value Measurements Using</td> <td style="text-align: center; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid"> Fair Value</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid"> Quoted Prices In Active Markets for Identical Assets (Level 1)</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid"> Significant Other Observable Inputs (Level 2)</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid"> Significant Unobservable Inputs (Level 3)</td> <td style="text-align: center; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 40%; line-height: 107%"> </td> <td style="width: 2%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 11%; text-align: right; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 2%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 13%; text-align: right; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 11%; text-align: right; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 11%; text-align: right; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">At March 31, 2019:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; line-height: 107%">SBA Pool Securities</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">2,191</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">2,191</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%">At December 31, 2018:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt; line-height: 107%">SBA Pool Securities</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">2,359</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">2,359</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td></tr> </table>

<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px"> </td> <td style="font: 12pt Times New Roman, Times, Serif; text-align: justify">Age analysis of past-due loans is as follows (in thousands):</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="14" style="border-bottom: black 1.5pt solid; text-align: center">Accruing Loans</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">30-59 Days Past Due</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">60-89 Days Past Due</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Greater Than 90 Days Past Due</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total Past Due</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Current</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Nonaccrual Loans</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total Loans</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>At March 31, 2019:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 37%; padding-left: 17.3pt; text-indent: -8.65pt">Residential real estate</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">   -</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">   -</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">     -</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">   -</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">26,015</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">—</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">26,015</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Multi-family real estate</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">6,455</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">6,455</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Commercial real estate</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">42,886</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">42,886</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Land and construction</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">4,867</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">4,867</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 17.3pt; text-indent: -8.65pt">Consumer</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">189</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">189</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt"> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt; padding-left: 30pt; text-indent: -8.65pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">-</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">-</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">-</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">-</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">80,412</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">80,412</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="19" style="border-bottom: black 1.5pt solid; text-align: center">Accruing Loans</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">30-59 Days Past Due</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">60-89 Days Past Due</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Greater Than 90 Days Past Due</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total Past Due</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Current</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Nonaccrual Loans</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total Loans</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 8.65pt; text-indent: -8.65pt">At December 31, 2018:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 30%; padding-left: 17.3pt; text-indent: -8.65pt">Residential real estate</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">— </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">—</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">         —</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">          —</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">27,204</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">            —</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">27,204</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Multi-family real estate</td> <td> </td> <td> </td> <td style="text-align: right">— </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> —</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,195</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> —</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,195</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Commercial real estate</td> <td> </td> <td> </td> <td style="text-align: right">— </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> —</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">35,254</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,380</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">36,634</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Land and construction</td> <td> </td> <td> </td> <td style="text-align: right">— </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> —</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,998</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> —</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,998</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">— </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> —</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">4,997</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> —</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">4,997</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 17.3pt; text-indent: -8.65pt">Consumer</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">— </td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right"> —</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">260</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right"> —</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">260</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt; padding-left: 20pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">       — </td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">        — </td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right"> —</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">77,908</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,380 </td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">79,288</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>

77200000

78498000

77908000

27204000

8195000

35254000

1998000

4997000

260000

80412000

26015000

6455000

42886000

4867000

189000

1380000

550000

2896000

25000

40000

24000

59000

1051000

984000

46000

-47000

3000

-47000

3000

1120947

1858020

1286503

1858020

560000

7139000

6995000

40000

111000

4000

7175000

7066000

4000

1361000

1800000

0.0250

7983000

13559000

7983000

62243000

80824000

80744000

62378000

62243000

24437000

13000000

12951000

24600000

24437000

5155000

694 5000 5000

<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px; font: 11pt/107% Calibri, Helvetica, Sans-Serif">(3)</td> <td style="font: 11pt/107% Calibri, Helvetica, Sans-Serif; text-align: justify">Loans. The components of loans are as follows (in thousands):</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">At  March 31, 2019</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">At  December 31, 2018</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 61%; padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%">Residential real estate</td> <td style="width: 2%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 16%; text-align: right; line-height: 107%">26,015</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 16%; text-align: right; line-height: 107%">27,204</td> <td style="width: 1%; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%">Multi-family real estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">6,455</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">8,195</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%">Commercial real estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">42,886</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">36,634</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%">Land and construction</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1,998</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%">Commercial</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4,867</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4,997</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%">Consumer</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">189</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">260</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%">Total loans</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">80,412</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">79,288</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%">Add (deduct):</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 0.25in; text-indent: -8.65pt; line-height: 107%">Net deferred loan fees, costs and premiums</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">133</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">155</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 0.25in; text-indent: -8.65pt; line-height: 107%">Allowance for loan losses</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">(2,047</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">(2,243</td> <td style="line-height: 107%">)</td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%">Loans, net</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">78,498</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">77,200</td> <td style="line-height: 107%"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px"> </td> <td style="text-align: justify; line-height: 107%">An analysis of the change in the allowance for loan losses follows (in thousands):</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Residential Real Estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Multi-Family Real Estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Commercial Real Estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Land and Construction</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Commercial</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Consumer</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Unallocated</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Total</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">Three Months Ended March 31, 2019:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 36%; padding-left: 10pt; line-height: 107%">Beginning balance</td> <td style="width: 2%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 5%; text-align: right; line-height: 107%">544</td> <td style="width: 1%"> </td> <td style="width: 2%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 5%; text-align: right; line-height: 107%">88</td> <td style="width: 1%"> </td> <td style="width: 2%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 5%; text-align: right; line-height: 107%">567</td> <td style="width: 1%"> </td> <td style="width: 2%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 5%; text-align: right; line-height: 107%">19</td> <td style="width: 1%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 4%; text-align: right; line-height: 107%">      850</td> <td style="width: 1%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 4%; text-align: right; line-height: 107%">25</td> <td style="width: 1%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 4%; text-align: right; line-height: 107%">150</td> <td style="width: 1%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 4%; text-align: right; line-height: 107%">2,243</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; line-height: 107%">(Credit) provision for loan losses</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(12</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(23</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">256</td> <td> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(25</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(297</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1</td> <td> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">100</td> <td> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt; line-height: 107%">Charge-offs</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(195</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(7</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(202</td> <td style="line-height: 107%">)</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; line-height: 107%">Recoveries</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">6</td> <td style="padding-bottom: 1.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">6</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; line-height: 107%">Ending balance</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">532</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">65</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">628</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">           —</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">553</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">19</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">250</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">2,047</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%">Three Months Ended March 31, 2018:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt; line-height: 107%">Beginning balance</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">641</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">59</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">759</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">22</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">55</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">86</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">2,369</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">3,991</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; line-height: 107%">Provision (credit) for loan losses</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">6</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">8</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(47</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">224</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(23</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(168</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt; line-height: 107%">Charge-offs</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(9</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(9</td> <td style="line-height: 107%">)</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; line-height: 107%">Recoveries</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">6</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">5</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">11</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; line-height: 107%">Ending balance</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">647</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">67</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">712</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">28</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">279</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">59</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">2,201</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">3,993</td> <td style="line-height: 107%"> </td></tr> </table>    <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Residential Real Estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Multi- Family Real Estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Commercial Real Estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Land and Construction</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Commercial</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Consumer</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Unallocated</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Total</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">At March 31, 2019:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%">Individually evaluated for impairment:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 36%; line-height: 107%">Recorded investment</td> <td style="width: 2%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 5%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">948</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 2%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 5%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 2%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 5%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">2,457</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 2%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 5%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 4%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">1,806</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 4%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 4%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 4%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">5,211</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%">Balance in allowance for loan losses</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">261</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">523</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">784</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%">Collectively evaluated for impairment:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">Recorded investment</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">25,067</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">6,455</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">40,429</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">3,061</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">189</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">75,201</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%">Balance in allowance for loan losses</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">271</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">65</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">628</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">30</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">19</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">   250</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">1,263</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%">At December 31, 2018:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">Individually evaluated for impairment:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%">Recorded investment</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">954</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">3,861</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">1,928</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">6,743</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">Balance in allowance for loan losses</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">268</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">162</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">814</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">1,244</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">Collectively evaluated for impairment:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%">Recorded investment</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">26,250</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">8,195</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">32,773</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">1,998</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">3,069</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">260</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">72,545</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">Balance in allowance for loan losses</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">276</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">88</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">405</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">19</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">36</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">25</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">150</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">999</td> <td style="line-height: 107%"> </td></tr> </table>    <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px"> </td> <td> The Company has divided the loan portfolio into six portfolio segments, each with different risk characteristics and methodologies for assessing risk. All loans are underwritten based upon standards set forth in the policies approved by the Company’s Board of Directors (the “Board”). The Company identifies the portfolio segments as follows:    Residential Real Estate, Multi-Family Real Estate, Commercial Real Estate, Land and Construction. Residential real estate loans are underwritten based on repayment capacity and source, value of the underlying property, credit history and stability. The Company offers first and second one-to-four family mortgage loans; the collateral for these loans is generally the clients' owner-occupied residences. Although these types of loans present lower levels of risk than commercial real estate loans, risks do still exist because of possible fluctuations in the value of the real estate collateral securing the loan, as well as changes in the borrowers' financial condition. Multi-family and commercial real estate loans are secured by the subject property and are underwritten based upon standards set forth in the policies approved by the Board. Such standards include, among other factors, loan to value limits, cash flow coverage and general creditworthiness of the obligors. Construction loans to borrowers finance the construction of owner occupied and leased properties. These loans are categorized as construction loans during the construction period, later converting to commercial or residential real estate loans after the construction is complete and amortization of the loan begins. Real estate development and construction loans are approved based on an analysis of the borrower and guarantor, the viability of the project and on an acceptable percentage of the appraised value of the property securing the loan. Real estate development and construction loan funds are disbursed periodically based on the percentage of construction completed. The Company carefully monitors these loans with on-site inspections and requires the receipt of lien waivers on funds advanced. Development and construction loans are typically secured by the properties under development or construction, and personal guarantees are typically obtained. Further, to assure that reliance is not placed solely on the value of the underlying property, the Company considers the market conditions and feasibility of proposed projects, the financial condition and reputation of the borrower and guarantors, the amount of the borrower’s equity in the project, independent appraisals, cost estimates and pre-construction sales information. The Company also makes loans on occasion for the purchase of land for future development by the borrower. Land loans are extended for future development for either commercial or residential use by the borrower. The Company carefully analyzes the intended use of the property and the viability thereof.</td></tr> <tr style="vertical-align: top"> <td style="text-align: justify; line-height: 107%"> </td> <td style="text-align: justify; line-height: 107%"> </td></tr> <tr style="vertical-align: top"> <td style="line-height: 107%"> </td> <td style="text-align: justify; line-height: 107%">Commercial. Commercial business loans and lines of credit consist of loans to small- and medium-sized companies in the Company’s market area. Commercial loans are generally used for working capital purposes or for acquiring equipment, inventory or furniture. Primarily all of the Company’s commercial loans are secured loans, along with a small amount of unsecured loans. The Company’s underwriting analysis consists of a review of the financial statements of the borrower, the lending history of the borrower, the debt service capabilities of the borrower, the projected cash flows of the business, the value of the collateral, if any, and whether the loan is guaranteed by the principals of the borrower. These loans are generally secured by accounts receivable, inventory and equipment. Commercial loans are typically made on the basis of the borrower’s ability to make repayment from the cash flow of the borrower’s business, which makes them of higher risk than residential loans and the collateral securing loans may be difficult to appraise and may fluctuate in value based on the success of the business. The Company seeks to minimize these risks through its underwriting standards.</td></tr> <tr style="vertical-align: top"> <td style="line-height: 107%"> </td> <td style="text-align: justify; line-height: 107%"> </td></tr> <tr style="vertical-align: top"> <td style="text-align: justify; line-height: 107%"> </td> <td style="text-align: justify; line-height: 107%">Consumer. Consumer loans are extended for various purposes, including purchases of automobiles, recreational vehicles, and boats. Also offered are home improvement loans, lines of credit, personal loans, and deposit account collateralized loans. Repayment of these loans is primarily dependent on the personal income of the borrowers, which can be impacted by economic conditions in their market areas such as unemployment levels. Loans to consumers are extended after a credit evaluation, including the creditworthiness of the borrower(s), the purpose of the credit, and the secondary source of repayment. Consumer loans are made at fixed and variable interest rates. Risk is mitigated by the fact that the loans are of smaller individual amounts.</td></tr> </table>    <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px"> </td> <td style="text-align: justify; line-height: 107%"> The following summarizes the loan credit quality (in thousands):</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Pass</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">OLEM  (Other Loans  Especially Mentioned)</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Sub- standard</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Doubtful</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Loss</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Total</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">At March 31, 2019:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 38%; padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Residential real estate</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 6%; text-align: right; line-height: 107%">25,067</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 10%; text-align: right; line-height: 107%">—</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 8%; text-align: right; line-height: 107%">948</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 8%; text-align: right; line-height: 107%">—</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 6%; text-align: right; line-height: 107%">—</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 6%; text-align: right; line-height: 107%">26,015</td> <td style="width: 1%; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Multi-family real estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">6,455</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">6,455</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Commercial real estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">38,699</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1,730</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">2,457</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">42,886</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Land and construction</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Commercial</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">2,355</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">706</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1,806</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4,867</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Consumer</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">189</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">189</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Total</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">72,765</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">2,436</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">5,211</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">80,412</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">At December 31, 2018:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Residential real estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">26,250</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">954</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">27,204</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Multi-family real estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">8,195</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">8,195</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Commercial real estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">31,050</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1,723</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">3,861</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">36,634</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Land and construction</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1,998</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1,998</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Commercial</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">2,362</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">707</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1,928</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4,997</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Consumer</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">260</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">260</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Total</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">70,115</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">2,430</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">6,743</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">79,288</td> <td style="line-height: 107%"> </td></tr> </table>   Internally assigned loan grades are defined as follows:   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px; line-height: 107%"> </td> <td style="text-align: justify; line-height: 107%">Pass – a Pass loan’s primary source of loan repayment is satisfactory, with secondary sources very likely to be realized if necessary. These are loans that conform in all aspects to bank policy and regulatory requirements, and no repayment risk has been identified.</td></tr> <tr style="vertical-align: top"> <td style="line-height: 107%"> </td> <td style="text-align: justify; line-height: 107%"> </td></tr> <tr style="vertical-align: top"> <td style="line-height: 107%"> </td> <td style="text-align: justify; line-height: 107%">OLEM – an Other Loan Especially Mentioned has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in the deterioration of the repayment prospects for the asset or the Company’s credit position at some future date.</td></tr> <tr style="vertical-align: top"> <td style="line-height: 107%"> </td> <td style="text-align: justify; line-height: 107%"> </td></tr> <tr style="vertical-align: top"> <td style="line-height: 107%"> </td> <td style="text-align: justify; line-height: 107%">Substandard – a Substandard loan is inadequately protected by the current Net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. Included in this category are loans that are current on their payments, but the Bank is unable to document the source of repayment. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.</td></tr> <tr style="vertical-align: top"> <td style="line-height: 107%"> </td> <td style="text-align: justify; line-height: 107%"> </td></tr> <tr style="vertical-align: top"> <td style="line-height: 107%"> </td> <td style="text-align: justify; line-height: 107%">Doubtful – a loan classified as Doubtful has all the weaknesses inherent in one classified as Substandard, with the added characteristics that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be effected in the future. The Company charges off any loan classified as Doubtful.</td></tr> <tr style="vertical-align: top"> <td style="line-height: 107%"> </td> <td style="text-align: justify; line-height: 107%"> </td></tr> <tr style="vertical-align: top"> <td style="line-height: 107%"> </td> <td style="text-align: justify; line-height: 107%">Loss – a loan classified Loss is considered uncollectible and of such little value that continuance as a bankable asset is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be effected in the future. The Company fully charges off any loan classified as Loss.</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px"> </td> <td style="text-align: justify; line-height: 107%">Age analysis of past-due loans is as follows (in thousands):</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="14" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Accruing Loans</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">30-59 Days Past Due</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">60-89 Days Past Due</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Greater Than 90 Days Past Due</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Total Past Due</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Current</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Nonaccrual Loans</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Total Loans</td> <td style="text-align: center; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">At March 31, 2019:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 37%; padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Residential real estate</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 6%; text-align: right; line-height: 107%">   -</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 6%; text-align: right; line-height: 107%">   -</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 6%; text-align: right; line-height: 107%">     -</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 6%; text-align: right; line-height: 107%">   -</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 6%; text-align: right; line-height: 107%">26,015</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 6%; text-align: right; line-height: 107%">—</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 6%; text-align: right; line-height: 107%">26,015</td> <td style="width: 1%; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Multi-family real estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">6,455</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">6,455</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Commercial real estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">42,886</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">42,886</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Land and construction</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Commercial</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4,867</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4,867</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Consumer</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">189</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">189</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 30pt; text-indent: -8.65pt; line-height: 107%">Total</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">80,412</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">80,412</td> <td style="line-height: 107%"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td colspan="19" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Accruing Loans</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">30-59 Days Past Due</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">60-89 Days Past Due</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Greater Than 90 Days Past Due</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Total Past Due</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Current</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Nonaccrual Loans</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Total Loans</td> <td style="text-align: center; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%">At December 31, 2018:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 30%; padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Residential real estate</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 7%; text-align: right; line-height: 107%">— </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 7%; text-align: right; line-height: 107%">—</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 7%; text-align: right; line-height: 107%">         —</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 7%; text-align: right; line-height: 107%">          —</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 7%; text-align: right; line-height: 107%">27,204</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 7%; text-align: right; line-height: 107%">            —</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 7%; text-align: right; line-height: 107%">27,204</td> <td style="width: 1%; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Multi-family real estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">— </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> —</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">8,195</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> —</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">8,195</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Commercial real estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">— </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> —</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">35,254</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1,380</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">36,634</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Land and construction</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">— </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> —</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1,998</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> —</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1,998</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Commercial</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">— </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> —</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4,997</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> —</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4,997</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Consumer</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">— </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%"> —</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">260</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%"> —</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">260</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 20pt; line-height: 107%">Total</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">       — </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">        — </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%"> —</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">77,908</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">1,380 </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">79,288</td> <td style="line-height: 107%"> </td></tr> </table>   The following summarizes the amount of impaired loans (in thousands):   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="10" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">At March 31, 2019</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="10" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">At December 31, 2018</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Recorded Investment</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Unpaid Principal Balance</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Related Allowance</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Recorded Investment</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Unpaid Principal Balance</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Related Allowance</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 40%; padding-left: 8.65pt; text-indent: -8.65pt; line-height: 107%">With no related allowance recorded:</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 7%; text-align: right; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 7%; text-align: right; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 7%; text-align: right; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 7%; text-align: right; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 7%; text-align: right; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 7%; text-align: right; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Commercial real estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">2,457</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">2,457</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">2,259</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">2,259</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Commercial</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">994</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">994</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1,114</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1,114</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; text-indent: -8.65pt; line-height: 107%">With related allowance recorded:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Residential real estate</td> <td style="line-height: 107%"> </td> <td> </td> <td style="text-align: right; line-height: 107%">948</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">948</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">261</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">954</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">954</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">268</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; line-height: 107%">Commercial real estate</td> <td style="line-height: 107%"> </td> <td> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1,602</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1,602</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">162</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Commercial</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">812</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">812</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">523</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">814</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">814</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">814</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; text-indent: -8.3pt; line-height: 107%">Total:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Residential real estate</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">948</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">948</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">261</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">954</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">954</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">268</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Commercial real estate</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">2,457</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">2,457</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">3,861</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">3,861</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">162</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt; line-height: 107%">Commercial</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">1,806</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">1,806</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">523</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">1,928</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">1,928</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">814</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="text-indent: 18.7pt; line-height: 107%">Total</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">5,211</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">5,211</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">784</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">6,743</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">6,743</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">1,244</td> <td style="line-height: 107%"> </td></tr> </table>    <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px"> </td> <td style="text-align: justify; line-height: 107%">The average net investment in impaired loans and interest income recognized and received on impaired loans are as follows (in thousands):</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="10" style="text-align: center; line-height: 107%">Three Months Ended</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="10" style="text-align: center; line-height: 107%">Three Months Ended</td> <td style="text-align: center; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="10" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">March 31, 2019</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="10" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">March 31, 2018</td> <td style="text-align: center; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Average  Recorded  Investment</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Interest  Income  Recognized</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Interest  Income  Received</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Average  Recorded  Investment</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Interest  Income  Recognized</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Interest  Income  Received</td> <td style="text-align: center; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 28%; padding-left: 10pt; text-indent: -10pt; line-height: 107%">Residential real estate</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">951</td> <td style="width: 1%; text-align: right; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%"> </td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">18</td> <td style="width: 1%; text-align: right; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%"> </td> <td style="width: 7%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">18</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">696</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">19</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 7%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">19</td> <td style="width: 1%; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; text-indent: -10pt; line-height: 107%">Commercial real estate</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">3,506</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">29</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">38</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">702</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">12</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">13</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">Commercial</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">1,860</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">24</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">28</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">537</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">17</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">17</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 20pt; text-indent: -10pt; line-height: 107%">Total</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">6,317</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">71</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">84</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">1,935</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">48</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">49</td> <td style="line-height: 107%"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px; line-height: 107%"> </td> <td style="text-align: justify; line-height: 107%">No loans have been determined to be troubled debt restructurings (TDR’s) during the three month periods ended March 31, 2019 or 2018. At March 31, 2019 and 2018, there were no loans modified and entered into TDR’s within the past twelve months, that subsequently defaulted during the three month periods ended March 31, 2019 or 2018.</td></tr> </table>

<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px; font: 12pt Times New Roman, Times, Serif">(3)</td> <td style="font: 12pt Times New Roman, Times, Serif; text-align: justify">Loans. The components of loans are as follows (in thousands):</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">At March 31, 2019</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">At December 31, 2018</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 62%; padding-left: 8.65pt; text-indent: -8.65pt">Residential real estate</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 16%; text-align: right">26,015</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 16%; text-align: right">27,204</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 8.65pt; text-indent: -8.65pt">Multi-family real estate</td> <td> </td> <td> </td> <td style="text-align: right">6,455</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,195</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 8.65pt; text-indent: -8.65pt">Commercial real estate</td> <td> </td> <td> </td> <td style="text-align: right">42,886</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">36,634</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 8.65pt; text-indent: -8.65pt">Land and construction</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,998</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 8.65pt; text-indent: -8.65pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">4,867</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">4,997</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 1.5pt; padding-left: 8.65pt; text-indent: -8.65pt">Consumer</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">189</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">260</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 8.65pt; text-indent: -8.65pt"> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 8.65pt; text-indent: -8.65pt">Total loans</td> <td> </td> <td> </td> <td style="text-align: right">80,412</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">79,288</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 8.65pt; text-indent: -8.65pt"> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 8.65pt; text-indent: -8.65pt">Add (deduct):</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 0.25in; text-indent: -8.65pt">Net deferred loan fees, costs and premiums</td> <td> </td> <td> </td> <td style="text-align: right">133</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">155</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 1.5pt; padding-left: 0.25in; text-indent: -8.65pt">Allowance for loan losses</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">(2,047</td> <td style="padding-bottom: 1.5pt">)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">(2,243</td> <td style="padding-bottom: 1.5pt">)</td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 8.65pt; text-indent: -8.65pt"> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt; padding-left: 8.65pt; text-indent: -8.65pt">Loans, net</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">78,498</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">77,200</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px">(3)</td> <td style="text-align: justify">Loans, Continued. An analysis of the change in the allowance for loan losses follows (in thousands):</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Residential Real Estate</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Multi-Family Real Estate</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Commercial Real Estate</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Land and Construction</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Commercial</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Consumer</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Unallocated</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Three Months Ended March 31, 2019:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 36%; padding-left: 10pt">Beginning balance</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">544</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">88</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">567</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">19</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">      850</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">25</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">150</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">2,243</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">(Credit) provision for loan losses</td> <td> </td> <td> </td> <td style="text-align: right">(12</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">(23</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">256</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(25</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">(297</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">1</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">100</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Charge-offs</td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(195</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(7</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(202</td> <td>)</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 1.5pt; padding-left: 10pt">Recoveries</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">6</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">6</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt; padding-left: 10pt">Ending balance</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">532</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">65</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">628</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">0</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">553</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">19</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">250</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">2,047</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Three Months Ended March 31, 2018:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Beginning balance</td> <td> </td> <td>$</td> <td style="text-align: right">641</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">59</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">759</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">22</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">55</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">86</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">2,369</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">3,991</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Provision (credit) for loan losses</td> <td> </td> <td> </td> <td style="text-align: right">6</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(47</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">224</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(23</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">(168</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Charge-offs</td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(9</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(9</td> <td>)</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 1.5pt; padding-left: 10pt">Recoveries</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">6</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">5</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">11</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt; padding-left: 10pt">Ending balance</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">647</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">67</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">712</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">28</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">279</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">59</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">2,201</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">3,993</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Residential Real Estate</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Multi- Family Real Estate</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Commercial Real Estate</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Land and Construction</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Commercial</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Consumer</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Unallocated</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>At March 31, 2019:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Individually evaluated for impairment:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 36%; padding-bottom: 2.5pt">Recorded investment</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 5%; border-bottom: black 2.25pt double; text-align: right">948</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 5%; border-bottom: black 2.25pt double; text-align: right">—</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 5%; border-bottom: black 2.25pt double; text-align: right">2,457</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 5%; border-bottom: black 2.25pt double; text-align: right">—</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 5%; border-bottom: black 2.25pt double; text-align: right">1,806</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 5%; border-bottom: black 2.25pt double; text-align: right">—</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 5%; border-bottom: black 2.25pt double; text-align: right">—</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 5%; border-bottom: black 2.25pt double; text-align: right">5,211</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt">Balance in allowance for loan losses</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">261</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">523</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">784</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Collectively evaluated for impairment:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt">Recorded investment</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">25,067</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">6,455</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">40,429</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">3,061</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">189</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">75,201</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt">Balance in allowance for loan losses</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">271</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">65</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">628</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">30</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">19</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">   250</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,263</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>At December 31, 2018:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Individually evaluated for impairment:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt">Recorded investment</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">954</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">3,861</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,928</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">6,743</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt">Balance in allowance for loan losses</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">268</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">162</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">814</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,244</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Collectively evaluated for impairment:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt">Recorded investment</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">26,250</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">8,195</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">32,773</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,998</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">3,069</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">260</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">72,545</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt">Balance in allowance for loan losses</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">276</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">88</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">405</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">19</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">36</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">25</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">150</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">999</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>     <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px; text-align: justify">(3)</td> <td> Loans, Continued.   Residential Real Estate, Multi-Family Real Estate, Commercial Real Estate, Land and Construction. All loans are underwritten in accordance with policies set forth and approved by the Board of Directors (the “Board”), including repayment capacity and source, value of the underlying property, credit history and stability. Multi-family and commercial real estate loans are secured by the subject property and are underwritten based upon standards set forth in the policies approved by the Company’s Board. Such standards include, among other factors, loan to value limits, cash flow coverage and general creditworthiness of the obligors. Construction loans to borrowers finance the construction of owner occupied and leased properties. These loans are categorized as construction loans during the construction period, later converting to commercial or residential real estate loans after the construction is complete and amortization of the loan begins. Real estate development and construction loans are approved based on an analysis of the borrower and guarantor, the viability of the project and on an acceptable percentage of the appraised value of the property securing the loan. Real estate development and construction loan funds are disbursed periodically based on the percentage of construction completed. The Company carefully monitors these loans with on-site inspections and requires the receipt of lien waivers on funds advanced. Development and construction loans are typically secured by the properties under development or construction, and personal guarantees are typically obtained. Further, to assure that reliance is not placed solely on the value of the underlying property, the Company considers the market conditions and feasibility of proposed projects, the financial condition and reputation of the borrower and guarantors, the amount of the borrower’s equity in the project, independent appraisals, cost estimates and pre-construction sales information. The Company also makes loans on occasion for the purchase of land for future development by the borrower. Land loans are extended for future development for either commercial or residential use by the borrower. The Company carefully analyzes the intended use of the property and the viability thereof.</td></tr> <tr style="vertical-align: top"> <td style="text-align: justify"> </td> <td style="text-align: justify"> </td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify">Commercial. Commercial business loans and lines of credit consist of loans to small- and medium-sized companies in the Company’s market area. Commercial loans are generally used for working capital purposes or for acquiring equipment, inventory or furniture. Primarily all of the Company’s commercial loans are secured loans, along with a small amount of unsecured loans. The Company’s underwriting analysis consists of a review of the financial statements of the borrower, the lending history of the borrower, the debt service capabilities of the borrower, the projected cash flows of the business, the value of the collateral, if any, and whether the loan is guaranteed by the principals of the borrower. These loans are generally secured by accounts receivable, inventory and equipment. Commercial loans are typically made on the basis of the borrower’s ability to make repayment from the cash flow of the borrower’s business, which makes them of higher risk than residential loans and the collateral securing loans may be difficult to appraise and may fluctuate in value based on the success of the business. The Company seeks to minimize these risks through its underwriting standards.</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"> </td></tr> <tr style="vertical-align: top"> <td style="text-align: justify"> </td> <td style="text-align: justify">Consumer. Consumer loans are extended for various purposes, including purchases of automobiles, recreational vehicles, and boats. Also offered are home improvement loans, lines of credit, personal loans, and deposit account collateralized loans. Repayment of these loans is primarily dependent on the personal income of the borrowers, which can be impacted by economic conditions in their market areas such as unemployment levels. Loans to consumers are extended after a credit evaluation, including the creditworthiness of the borrower(s), the purpose of the credit, and the secondary source of repayment. Consumer loans are made at fixed and variable interest rates. Risk is mitigated by the fact that the loans are of smaller individual amounts.</td></tr> </table>     <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px; text-align: justify">(3)</td> <td style="text-align: justify">Loans, Continued. The following summarizes the loan credit quality (in thousands):</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Pass</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">OLEM (Other Loans Especially Mentioned)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Sub- standard</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Doubtful</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Loss</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>At March 31, 2019:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 38%; padding-left: 17.3pt; text-indent: -8.65pt">Residential real estate</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">25,067</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">—</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 8%; text-align: right">948</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 8%; text-align: right">—</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">—</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">26,015</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Multi-family real estate</td> <td> </td> <td> </td> <td style="text-align: right">6,455</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">6,455</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Commercial real estate</td> <td> </td> <td> </td> <td style="text-align: right">38,699</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,730</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">2,457</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">42,886</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Land and construction</td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">2,355</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">706</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,806</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">4,867</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 17.3pt; text-indent: -8.65pt">Consumer</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">189</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">189</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt"> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2pt; padding-left: 17.3pt; text-indent: -8.65pt">Total</td> <td style="padding-bottom: 2pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">72,765</td> <td style="padding-bottom: 2pt"> </td> <td style="padding-bottom: 2pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">2,436</td> <td style="padding-bottom: 2pt"> </td> <td style="padding-bottom: 2pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">5,211</td> <td style="padding-bottom: 2pt"> </td> <td style="padding-bottom: 2pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2pt"> </td> <td style="padding-bottom: 2pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2pt"> </td> <td style="padding-bottom: 2pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">80,412</td> <td style="padding-bottom: 2pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>At December 31, 2018:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Residential real estate</td> <td> </td> <td>$</td> <td style="text-align: right">26,250</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">954</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">27,204</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Multi-family real estate</td> <td> </td> <td> </td> <td style="text-align: right">8,195</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,195</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Commercial real estate</td> <td> </td> <td> </td> <td style="text-align: right">31,050</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,723</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">3,861</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">36,634</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Land and construction</td> <td> </td> <td> </td> <td style="text-align: right">1,998</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,998</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">2,362</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">707</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,928</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">4,997</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 17.3pt; text-indent: -8.65pt">Consumer</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">260</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">260</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt"> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2pt; padding-left: 17.3pt; text-indent: -8.65pt">Total</td> <td style="padding-bottom: 2pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">70,115</td> <td style="padding-bottom: 2pt"> </td> <td style="padding-bottom: 2pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">2,430</td> <td style="padding-bottom: 2pt"> </td> <td style="padding-bottom: 2pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">6,743</td> <td style="padding-bottom: 2pt"> </td> <td style="padding-bottom: 2pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2pt"> </td> <td style="padding-bottom: 2pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2pt"> </td> <td style="padding-bottom: 2pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">79,288</td> <td style="padding-bottom: 2pt"> </td></tr> </table>   Internally assigned loan grades are defined as follows:   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px"> </td> <td style="text-align: justify">Pass – a Pass loan’s primary source of loan repayment is satisfactory, with secondary sources very likely to be realized if necessary. These are loans that conform in all aspects to bank policy and regulatory requirements, and no repayment risk has been identified.</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"> </td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify">OLEM – an Other Loan Especially Mentioned has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in the deterioration of the repayment prospects for the asset or the Company’s credit position at some future date. </td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"> </td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify">Substandard – a Substandard loan is inadequately protected by the current Net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. Included in this category are loans that are current on their payments, but the Bank is unable to document the source of repayment. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"> </td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify">Doubtful – a loan classified as Doubtful has all the weaknesses inherent in one classified as Substandard, with the added characteristics that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be effected in the future. The Company charges off any loan classified as Doubtful.</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"> </td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify">Loss – a loan classified Loss is considered uncollectible and of such little value that continuance as a bankable asset is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be effected in the future. The Company fully charges off any loan classified as Loss.</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px; text-align: justify">(3)</td> <td style="text-align: justify">Loans, Continued. Age analysis of past-due loans is as follows (in thousands):</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="14" style="border-bottom: black 1.5pt solid; text-align: center">Accruing Loans</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">30-59 Days Past Due</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">60-89 Days Past Due</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Greater Than 90 Days Past Due</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total Past Due</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Current</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Nonaccrual Loans</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total Loans</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>At March 31, 2019:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 37%; padding-left: 17.3pt; text-indent: -8.65pt">Residential real estate</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">   -</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">   -</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">     -</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">   -</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">26,015</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">—</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">26,015</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Multi-family real estate</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">6,455</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">6,455</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Commercial real estate</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">42,886</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">42,886</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Land and construction</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">4,867</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">4,867</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 17.3pt; text-indent: -8.65pt">Consumer</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">189</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">189</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt"> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt; padding-left: 30pt; text-indent: -8.65pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">-</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">-</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">-</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">-</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">80,412</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">80,412</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="19" style="border-bottom: black 1.5pt solid; text-align: center">Accruing Loans</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">30-59 Days Past Due</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">60-89 Days Past Due</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Greater Than 90 Days Past Due</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total Past Due</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Current</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Nonaccrual Loans</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total Loans</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 8.65pt; text-indent: -8.65pt">At December 31, 2018:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 30%; padding-left: 17.3pt; text-indent: -8.65pt">Residential real estate</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">— </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">—</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">         —</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">          —</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">27,204</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">            —</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">27,204</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Multi-family real estate</td> <td> </td> <td> </td> <td style="text-align: right">— </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> —</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,195</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> —</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,195</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Commercial real estate</td> <td> </td> <td> </td> <td style="text-align: right">— </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> —</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">35,254</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,380</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">36,634</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Land and construction</td> <td> </td> <td> </td> <td style="text-align: right">— </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> —</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,998</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> —</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,998</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">— </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> —</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">4,997</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> —</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">4,997</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 17.3pt; text-indent: -8.65pt">Consumer</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">— </td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right"> —</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">260</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right"> —</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">260</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt; padding-left: 20pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">       — </td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">        — </td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right"> —</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">77,908</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,380 </td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">79,288</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   The following summarizes the amount of impaired loans (in thousands):   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="10" style="border-bottom: black 1.5pt solid; text-align: center">At March 31, 2019</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="10" style="border-bottom: black 1.5pt solid; text-align: center">At December 31, 2018</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Recorded Investment</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Unpaid Principal Balance</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Related Allowance</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Recorded Investment</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Unpaid Principal Balance</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Related Allowance</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 40%; padding-left: 8.65pt; text-indent: -8.65pt">With no related allowance recorded:</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 7%; text-align: right"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 7%; text-align: right"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 7%; text-align: right"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 7%; text-align: right"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 7%; text-align: right"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 7%; text-align: right"> </td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Commercial real estate</td> <td> </td> <td>$</td> <td style="text-align: right">2,457</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">2,457</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">2,259</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">2,259</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">—</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">994</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">994</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,114 </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,114 </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; text-indent: -8.65pt">With related allowance recorded:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Residential real estate</td> <td> </td> <td> </td> <td style="text-align: right">948</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">948</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">261</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">954</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">954</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">268</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Commercial real estate</td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">—</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,602</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,602</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">162</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 17.3pt; text-indent: -8.65pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">812</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">812</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">523</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">814 </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">814 </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">814 </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; text-indent: -8.3pt">Total:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt; padding-left: 17.3pt; text-indent: -8.65pt">Residential real estate</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">948</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">948</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">261</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">954</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">954</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">268</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt; padding-left: 17.3pt; text-indent: -8.65pt">Commercial real estate</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">2,457</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">2,457</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">3,861</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">3,861</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">162</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt; padding-left: 17.3pt; text-indent: -8.65pt">Commercial</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,806</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,806</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">523</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,928</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,928</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">814</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt; text-indent: 18.7pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">5,211</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">5,211</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">784</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">6,743</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">6,743</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,244</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>    <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px; text-align: justify">(3)</td> <td style="text-align: justify">Loans, Continued. The average net investment in impaired loans and interest income recognized and received on impaired loans are as follows (in thousands):</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="10" style="text-align: center">For the Period Ended</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="10" style="text-align: center">For the Period Ended</td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="10" style="border-bottom: black 1.5pt solid; text-align: center">March 31, 2019</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="10" style="border-bottom: black 1.5pt solid; text-align: center">March 31, 2018</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Average Recorded Investment</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Interest Income Recognized</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Interest Income Received</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Average Recorded Investment</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Interest Income Recognized</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td style="padding-bottom: 1.5pt; text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Interest Income Received</td> <td style="padding-bottom: 1.5pt; text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 30%; padding-bottom: 2.5pt; padding-left: 10pt; text-indent: -10pt">Residential real estate</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right">951</td> <td style="width: 1%; padding-bottom: 2.5pt; text-align: right"> </td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double"> </td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right">18</td> <td style="width: 1%; padding-bottom: 2.5pt; text-align: right"> </td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double"> </td> <td style="width: 6%; border-bottom: black 2.25pt double; text-align: right">18</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right">696</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right">19</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 6%; border-bottom: black 2.25pt double; text-align: right">19</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt; padding-left: 10pt; text-indent: -10pt">Commercial real estate</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">3,506</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">29</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">38</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">702</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">12</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">13</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt">Commercial</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,860</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">24</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">28</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">537</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">17</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">17</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td> </td> <td style="text-align: right"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td> </td> <td style="text-align: right"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td> </td> <td style="text-align: right"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td> </td> <td style="text-align: right"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td> </td> <td style="text-align: right"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td> </td> <td style="text-align: right"> </td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt; padding-left: 20pt; text-indent: -10pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">6,317</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">71</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">84</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,935</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">48</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">49</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px"> </td> <td style="text-align: justify">No loans have been determined to be troubled debt restructurings (TDR’s) during the three month periods ended March 31, 2019 or 2018. At March 31, 2019 and 2018, there were no loans modified and entered into TDR’s within the past twelve months, that subsequently defaulted during the three month periods ended March 31, 2019 or 2018.</td></tr> </table>

<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="font: 12pt Times New Roman, Times, Serif; text-align: justify">General. OptimumBank Holdings, Inc. (the “Company”) is a one-bank holding company and owns 100% of OptimumBank (the “Bank”), a Florida-chartered commercial bank. The Company’s only business is the operation of the Bank and its subsidiaries (collectively, the “Company”). The Bank’s deposits are insured up to applicable limits by the Federal Deposit Insurance Corporation (“FDIC”). The Bank offers a variety of community banking services to individual and corporate customers through its three banking offices located in Broward County, Florida.</td></tr> </table>

<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px; font: 12pt Times New Roman, Times, Serif"> </td> <td style="font: 12pt Times New Roman, Times, Serif; text-align: justify">Income Taxes. The Company assessed its earnings history and trends and estimates of future earnings, and determined that the deferred tax asset could not be realized as of March 31, 2019. Accordingly, a valuation allowance was recorded against the net deferred tax asset.</td></tr> </table>

<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="font: 11pt/107% Calibri, Helvetica, Sans-Serif; text-align: justify"> </td> <td style="font: 11pt/107% Calibri, Helvetica, Sans-Serif; text-align: justify">Comprehensive Loss. GAAP generally requires that recognized revenue, expenses, gains and losses be included in net loss. 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 condensed consolidated balance sheets, such items along with net loss, are components of comprehensive loss.</td></tr> </table>   Accumulated other comprehensive loss consists of the following (in thousands):   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="text-align: center; line-height: 107%">March 31,</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="text-align: center; line-height: 107%">December 31,</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">2019</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">2018</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 57%; line-height: 107%">Unrealized loss on securities available for sale</td> <td style="width: 2%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 18%; text-align: right; line-height: 107%">(59</td> <td style="width: 1%; line-height: 107%">)</td> <td style="width: 2%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 17%; text-align: right; line-height: 107%">(64</td> <td style="width: 1%; line-height: 107%">)</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%">Unamortized portion of unrealized loss related to securities available for sale transferred to securities held-to-maturity</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(360</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(377</td> <td style="line-height: 107%">)</td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">Income tax benefit</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">106</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">111</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">(313</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">(330</td> <td style="line-height: 107%">)</td></tr> </table>

Recent Pronouncements. In February 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update No. 2016-02, Leases (Topic 842). ASU 2016-02 is intended to improve financial reporting of leasing transactions by requiring organizations that lease assets to recognize assets and liabilities for the rights and obligations created by leases on the condensed consolidated balance sheet. The Company adopted ASU 2016-02 retrospectively at January 1, 2019 using a simplified transition option that allows companies to initially apply the new lease standard at the adoption date and recognize a cumulative-effect adjustment to the opening balance of retained earnings in the period of adoption. Our only lease at the adoption date was an operating lease for a branch location has a 5 year term, commenced in December 2017, does not offer any options to extend, and does contain a rent escalation clause. The effect of this ASU increased condensed consolidated assets by $277,000 and condensed consolidated liabilities by $281,000, at the adoption date. With respect to the lease recognized on the condensed consolidated balance sheet as of March 31, 2019, the right of use asset $259,000 and lease liability of $264,000 are included in accompanying other assets and other liabilities, respectively. The discount rate used in this calculation was 2.6%.   <table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px"> </td> <td> In June 2016, the FASB issued ASU No. 2016-13 Financial Instruments-Credit Losses (Topic 326). The ASU improves financial reporting by requiring timelier recording of credit losses on loans and other financial instruments held by the Company. The ASU requires the Company to measure all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. The Company will continue to use judgment to determine which loss estimation method is appropriate for their circumstances. The ASU requires enhanced disclosures to help investors and other financial statement users better understand significant estimates and judgments used in estimating credit losses, as well as the credit quality and underwriting standards of an organization’s portfolio. These disclosures include qualitative and quantitative requirements that provide additional information about the amounts recorded in the financial statements. Additionally, the ASU amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. The ASU will take effect for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. Early adoption is permitted. The Company is in the process of determining the effect of the ASU on its condensed consolidated financial statements.   In June 2018, the FASB issued ASU No. 2018-07, Stock Compensation (Topic 718): Improvements to Nonemployee Share-Based Payment Accounting. The ASU is intended to reduce the cost and complexity and to improve financial reporting for nonemployee share-based payments. The ASU expands the scope of Topic 718. Compensation Stock Compensation (which currently only includes share-based payments to employees) to include share-based payments issued to nonemployees for goods or services. Consequently, the accounting for share-based payments to nonemployees and employees will be substantially aligned. The ASU supersedes Subtopic 505-50, Equity-Equity-Based payments to Non-Employees. The ASU was effective for the Company for fiscal years beginning after December 15, 2018, including interim periods within that fiscal year. The ASU did not have a material impact on the Company’s condensed consolidated financial statements.</td></tr> </table>

Securities available for sale with gross unrealized losses, aggregated by investment category and length of time that individual securities have been in a continuous loss position, is as follows (in thousands):   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="14" style="border-bottom: black 1.5pt solid; text-align: center">At March 31, 2019</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">Over Twelve Months</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid"> Less Than Twelve Months</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Gross Unrealized Losses</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Fair Value</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Gross Unrealized Losses</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Fair Value</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 48%">Available for Sale -</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 10%; text-align: right"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 10%; text-align: right"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 10%; text-align: right"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 10%; text-align: right"> </td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt; padding-left: 0.25in; text-indent: -8.65pt">SBA Pool Securities</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">59</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">2,191</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">—</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="14" style="border-bottom: black 1.5pt solid; text-align: center">At December 31, 2018</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">Over Twelve Months</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid"> Less Than Twelve Months</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Gross Unrealized Losses</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Fair Value</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Gross Unrealized Losses</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Fair Value</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td> </td> <td colspan="2" style="text-align: center"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Held-to-Maturity -</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 48%; padding-bottom: 2.5pt; padding-left: 0.25in; text-indent: -8.65pt">Collateralized mortgage obligations</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right">4</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right">1,361</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right">—</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 10%; border-bottom: black 2.25pt double; text-align: right">—</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Available for Sale -</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt; padding-left: 0.25in; text-indent: -8.65pt">SBA Pool Securities</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">24</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">829</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">40</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,530</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>

<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px"> </td> <td style="font: 11pt/107% Calibri, Helvetica, Sans-Serif; text-align: justify">An analysis of the change in the allowance for loan losses follows (in thousands):</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Residential Real Estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Multi-Family Real Estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Commercial Real Estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Land and Construction</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Commercial</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Consumer</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Unallocated</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Total</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">Three Months Ended March 31, 2019:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 36%; padding-left: 10pt; line-height: 107%">Beginning balance</td> <td style="width: 2%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 5%; text-align: right; line-height: 107%">544</td> <td style="width: 1%"> </td> <td style="width: 2%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 5%; text-align: right; line-height: 107%">88</td> <td style="width: 1%"> </td> <td style="width: 2%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 5%; text-align: right; line-height: 107%">567</td> <td style="width: 1%"> </td> <td style="width: 2%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 5%; text-align: right; line-height: 107%">19</td> <td style="width: 1%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 4%; text-align: right; line-height: 107%">      850</td> <td style="width: 1%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 4%; text-align: right; line-height: 107%">25</td> <td style="width: 1%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 4%; text-align: right; line-height: 107%">150</td> <td style="width: 1%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 4%; text-align: right; line-height: 107%">2,243</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; line-height: 107%">(Credit) provision for loan losses</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(12</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(23</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">256</td> <td> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(25</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(297</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">1</td> <td> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">100</td> <td> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt; line-height: 107%">Charge-offs</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(195</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(7</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(202</td> <td style="line-height: 107%">)</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; line-height: 107%">Recoveries</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">6</td> <td style="padding-bottom: 1.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="padding-bottom: 1.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">6</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; line-height: 107%">Ending balance</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">532</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">65</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">628</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">           —</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">553</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">19</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">250</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">2,047</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%">Three Months Ended March 31, 2018:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt; line-height: 107%">Beginning balance</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">641</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">59</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">759</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">22</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">55</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">86</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">2,369</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">3,991</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; line-height: 107%">Provision (credit) for loan losses</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">6</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">8</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(47</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">224</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(23</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(168</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt; line-height: 107%">Charge-offs</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(9</td> <td style="line-height: 107%">)</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">(9</td> <td style="line-height: 107%">)</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; line-height: 107%">Recoveries</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">6</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">5</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; line-height: 107%"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 107%">11</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; line-height: 107%">Ending balance</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">647</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">67</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">712</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">28</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">279</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">59</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">2,201</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">3,993</td> <td style="line-height: 107%"> </td></tr> </table>    <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Residential Real Estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Multi- Family Real Estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Commercial Real Estate</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Land and Construction</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Commercial</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Consumer</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Unallocated</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Total</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">At March 31, 2019:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%">Individually evaluated for impairment:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 36%; line-height: 107%">Recorded investment</td> <td style="width: 2%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 5%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">948</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 2%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 5%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 2%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 5%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">2,457</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 2%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 5%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 4%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">1,806</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 4%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 4%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="width: 4%; border-bottom: black 2.25pt double; text-align: right; line-height: 107%">5,211</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%">Balance in allowance for loan losses</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">261</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">523</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">784</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%">Collectively evaluated for impairment:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">Recorded investment</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">25,067</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">6,455</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">40,429</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">3,061</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">189</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">75,201</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%">Balance in allowance for loan losses</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">271</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">65</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">628</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">30</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">19</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">   250</td> <td style="padding-bottom: 2.5pt"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">1,263</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%">At December 31, 2018:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">Individually evaluated for impairment:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%">Recorded investment</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">954</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">3,861</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">1,928</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">6,743</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">Balance in allowance for loan losses</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">268</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">162</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">814</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">1,244</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">Collectively evaluated for impairment:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%">Recorded investment</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">26,250</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">8,195</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">32,773</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">1,998</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">3,069</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">260</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">—</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">72,545</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">Balance in allowance for loan losses</td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">276</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">88</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">405</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">19</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">36</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">25</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">150</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="border-bottom: black 2.25pt double; line-height: 107%">$</td> <td style="border-bottom: black 2.25pt double; text-align: right; line-height: 107%">999</td> <td style="line-height: 107%"> </td></tr> </table>

35000

42000

64000

43000

113000

43000

-674000

-520000

-10154000

18446000

2767000

-560000

-7521000

5576000

11665000

7983000

13559000

4144000

194000

370000

-47000

17000

614000

1119

150000

-285000

-198000

-64000

5000

-17000

5000

-47000

17000

-332000

-129000

500000

-11600000

-32000

10000

<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px; font: 12pt Times New Roman, Times, Serif">(4)</td> <td style="font: 12pt Times New Roman, Times, Serif; text-align: justify">Loss Per Share. Basic loss per share has been computed on the basis of the weighted-average number of shares of common stock outstanding during the period. In 2019 and 2018, basic and diluted loss per share is the same due to the net loss incurred by the Company. Loss per common share have been computed based on the following:</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">Three Months Ended March 31,</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">2019</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">2018</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 62%; padding-bottom: 2.5pt">Weighted-average number of common shares outstanding used to calculate basic and diluted loss per common share</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double"> </td> <td style="width: 16%; border-bottom: black 2.25pt double; text-align: right">1,858,020</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double"> </td> <td style="width: 16%; border-bottom: black 2.25pt double; text-align: right">1,173,018</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td></tr> </table>

<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px"> </td> <td style="font: 12pt Times New Roman, Times, Serif; text-align: justify">In 2019 and 2018, basic and diluted loss per share is the same due to the net loss incurred by the Company. Loss per common share have been computed based on the following:</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">Three Months Ended March 31,</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">2019</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">2018</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 62%; padding-bottom: 2.5pt">Weighted-average number of common shares outstanding used to calculate basic and diluted loss per common share</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double"> </td> <td style="width: 16%; border-bottom: black 2.25pt double; text-align: right">1,858,020</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double"> </td> <td style="width: 16%; border-bottom: black 2.25pt double; text-align: right">1,173,018</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td></tr> </table>

26682000

41609000

2019 <table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 29px"> </td> <td style="font: 11pt/107% Calibri, Helvetica, Sans-Serif; text-align: justify">The following table shows the Bank’s capital amounts and ratios and regulatory thresholds at March 31, 2019 and December 31, 2018 (dollars in thousands):</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Actual</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid"> For Capital Adequacy Purposes</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid"> Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions</td> <td style="text-align: center; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Amount</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">%</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Amount</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">%</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">Amount</td> <td style="text-align: center; line-height: 107%"> </td> <td style="text-align: center; line-height: 107%"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center; line-height: 107%">%</td> <td style="text-align: center; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">As of March 31, 2019:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; line-height: 107%">Total Capital to Risk-Weighted Assets</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">12,180</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">15.52</td> <td style="line-height: 107%">%</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">6,276</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">8.00</td> <td style="line-height: 107%">%</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">7,846</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">10.00</td> <td style="line-height: 107%">%</td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt; line-height: 107%">Tier I Capital to Risk-Weighted Assets</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">11,186</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">14.26</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4,707</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">6.00</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">6,276</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">8.00</td> <td style="line-height: 107%"> </td></tr> <tr style="background-color: white"> <td style="vertical-align: bottom; padding-left: 10pt; line-height: 107%">Common equity Tier I capital to Risk-Weighted Assets</td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; text-align: right; line-height: 107%">11,186</td> <td style="vertical-align: top; line-height: 107%"> </td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; text-align: right; line-height: 107%">14.26</td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; text-align: right; line-height: 107%">3,531</td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; text-align: right; line-height: 107%">4.50</td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; text-align: right; line-height: 107%">5,100</td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; line-height: 107%"> </td> <td style="vertical-align: bottom; text-align: right; line-height: 107%">6.50</td> <td style="vertical-align: bottom; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt; line-height: 107%">Tier I Capital to Total Assets</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">11,186</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">10.86</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4,119</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4.00</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">5,149</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">5.00</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">As of December 31, 2018:</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 45%; padding-left: 10pt; line-height: 107%">Total Capital to Risk-Weighted Assets</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 7%; text-align: right; line-height: 107%">12,155</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 6%; text-align: right; line-height: 107%">15.86</td> <td style="width: 1%; line-height: 107%">%</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 7%; text-align: right; line-height: 107%">6,132</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 5%; text-align: right; line-height: 107%">8.00</td> <td style="width: 1%; line-height: 107%">%</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 7%; text-align: right; line-height: 107%">7,665</td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%"> </td> <td style="width: 5%; text-align: right; line-height: 107%">10.00</td> <td style="width: 1%; line-height: 107%">%</td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt; line-height: 107%">Tier I Capital to Risk-Weighted Assets</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">11,181</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">14.59</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4,599</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">6.00</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">6,132</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">8.00</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt; line-height: 107%">Common equity Tier I capital to Risk-Weighted Assets</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">11,181</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">14.59</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">3,449</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4.50</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4,983</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">6.50</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt; line-height: 107%">Tier I Capital to Total Assets</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">11,181</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">11.68</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">3,828</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4.00</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">4,785</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%">5.00</td> <td style="line-height: 107%"> </td></tr> </table>

259000

264000

-0.24

-0.08

-4000 -4000 14000 14000

-64000

22000

P5Y

55000

72000

210000

250000

2821

36101

208881

100000

20814

79186

200000

8858000

105820

Accumulated other comprehensive loss consists of the following (in thousands):   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td> </td> <td colspan="2" style="text-align: center">March 31,</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">December 31,</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">2019</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">2018</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 58%">Unrealized loss on securities available for sale</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 18%; text-align: right">(59</td> <td style="width: 1%">)</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 18%; text-align: right">(64</td> <td style="width: 1%">)</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Unamortized portion of unrealized loss related to securities available for sale transferred to securities held-to-maturity</td> <td> </td> <td> </td> <td style="text-align: right">(360</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">(377</td> <td>)</td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Income tax benefit</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">106</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">111</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">(313</td> <td style="padding-bottom: 2.5pt">)</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">(330</td> <td style="padding-bottom: 2.5pt">)</td></tr> </table>

64000

59000

-377000 -360000

-330000

-313000

357000

154000

193000

918000 1314000 17000

490000

<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="text-align: justify; line-height: 107%">(8)</td> <td style="font: 11pt/107% Calibri, Helvetica, Sans-Serif; text-align: justify">Off- Balance Sheet Financial Instruments. The Company is 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 are commitments to extend credit, unused lines of credit, and standby letters of credit and may involve, to varying degrees, elements of credit and interest-rate risk in excess of the amount recognized in the condensed consolidated balance sheet. The contract amounts of these instruments reflect the extent of involvement the Company has in these financial instruments.</td></tr> </table>   The Company’s exposure to credit loss in the event of non-performance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments as it does for on-balance-sheet instruments.   Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Because some of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer’s credit worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company, upon extension of credit, is based on management’s credit evaluation of the counterparty.   Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. The credit risk involved in issuing letters of credit to customers is essentially the same as that involved in extending loan facilities to customers. The Bank generally holds collateral supporting those commitments. Standby letters of credit generally have expiration dates within one year.   Commitments to extend credit, unused lines of credit, and standby letters of credit typically result in loans with a market interest rate when funded. A summary of the contractual amounts of the Company’s financial instruments with off-balance-sheet risk at March 31, 2019 follows (in thousands):   <table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 83%; line-height: 107%">Commitments to extend credit</td> <td style="width: 2%; line-height: 107%"> </td> <td style="width: 1%; line-height: 107%">$</td> <td style="width: 13%; text-align: right; line-height: 107%">550</td> <td style="width: 1%; line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">Unused lines of credit</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">2,896</td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="line-height: 107%"> </td> <td style="text-align: right; line-height: 107%"> </td> <td style="line-height: 107%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="line-height: 107%">Standby letters of credit</td> <td style="line-height: 107%"> </td> <td style="line-height: 107%">$</td> <td style="text-align: right; line-height: 107%">-</td> <td style="line-height: 107%"> </td></tr> </table>

A summary of the contractual amounts of the Company’s financial instruments with off-balance-sheet risk at March 31, 2019 follows (in thousands):   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 84%">Commitments to extend credit</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 13%; text-align: right">550</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Unused lines of credit</td> <td> </td> <td>$</td> <td style="text-align: right">2,896</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Standby letters of credit</td> <td> </td> <td>$</td> <td style="text-align: right">-</td> <td> </td></tr> </table>

0.026

3.14

5155000

P30Y

0.0640

The interest rate was fixed at 6.40% for the first five years, and thereafter, the coupon rate floats quarterly at the three-month LIBOR rate plus 2.45% (5.05% at March 31, 2019).

0.0245

0.0505

1776000

5000

301778

4306

277000

281000

5155000

1776000

5155000

The Company is unable to determine value based on significant unobservable inputs required in the calculation. Refer to Note 10 for further information.

EX-101.SCH 7 ophc-20190331.xsd XBRL SCHEMA FILE 00000001 - Document - Document and Entity Information link:presentationLink link:calculationLink link:definitionLink 00000002 - Statement - Condensed Consolidated Balance Sheets link:presentationLink link:calculationLink link:definitionLink 00000003 - Statement - Condensed Consolidated Balance Sheets (Parenthetical) link:presentationLink link:calculationLink link:definitionLink 00000004 - Statement - Condensed Consolidated Statements of Operations (Unaudited) link:presentationLink link:calculationLink link:definitionLink 00000005 - Statement - Condensed Consolidated Statements of Comprehensive Loss (Unaudited) link:presentationLink link:calculationLink link:definitionLink 00000006 - Statement - Condensed Consolidated Statements of Stockholders' Equity (Unaudited) link:presentationLink link:calculationLink link:definitionLink 00000007 - Statement - Condensed Consolidated Statements of Cash Flows (Unaudited) link:presentationLink link:calculationLink link:definitionLink 00000008 - Disclosure - General link:presentationLink link:calculationLink link:definitionLink 00000009 - Disclosure - Securities link:presentationLink link:calculationLink link:definitionLink 00000010 - Disclosure - Loans link:presentationLink link:calculationLink link:definitionLink 00000011 - Disclosure - Loss Per Share link:presentationLink link:calculationLink link:definitionLink 00000012 - Disclosure - Stock-Based Compensation link:presentationLink link:calculationLink link:definitionLink 00000013 - Disclosure - Fair Value Measurements link:presentationLink link:calculationLink link:definitionLink 00000014 - Disclosure - Fair Value of Financial Instruments link:presentationLink link:calculationLink link:definitionLink 00000015 - Disclosure - Off- Balance Sheet Financial Instruments link:presentationLink link:calculationLink link:definitionLink 00000016 - Disclosure - Regulatory Matters link:presentationLink link:calculationLink link:definitionLink 00000017 - Disclosure - Junior Subordinated Debenture link:presentationLink link:calculationLink link:definitionLink 00000018 - Disclosure - General (Policies) link:presentationLink link:calculationLink link:definitionLink 00000019 - Disclosure - General (Tables) link:presentationLink link:calculationLink link:definitionLink 00000020 - Disclosure - Securities (Tables) link:presentationLink link:calculationLink link:definitionLink 00000021 - Disclosure - Loans (Tables) link:presentationLink link:calculationLink link:definitionLink 00000022 - Disclosure - Loss Per Share (Tables) link:presentationLink link:calculationLink link:definitionLink 00000023 - Disclosure - Fair Value Measurements (Tables) link:presentationLink link:calculationLink link:definitionLink 00000024 - Disclosure - Fair Value of Financial Instruments (Tables) link:presentationLink link:calculationLink link:definitionLink 00000025 - Disclosure - Off- Balance Sheet Financial Instruments (Tables) link:presentationLink link:calculationLink link:definitionLink 00000026 - Disclosure - Regulatory Matters (Tables) link:presentationLink link:calculationLink link:definitionLink 00000027 - Disclosure - General (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 00000028 - Disclosure - General - Schedule of Accumulated Other Comprehensive Loss (Details) link:presentationLink link:calculationLink link:definitionLink 00000029 - Disclosure - Securities (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 00000030 - Disclosure - Securities - Schedule of Amortized Cost and Approximate Fair Values of Securities (Details) link:presentationLink link:calculationLink link:definitionLink 00000031 - Disclosure - Securities - Schedule of Securities with Gross Unrealized Losses, by Investment Category (Details) link:presentationLink link:calculationLink link:definitionLink 00000032 - Disclosure - Loans - Schedule of Components of Loans (Details) link:presentationLink link:calculationLink link:definitionLink 00000033 - Disclosure - Loans - Schedule of Change in Allowance for Loan Losses (Details) link:presentationLink link:calculationLink link:definitionLink 00000034 - Disclosure - Loans - Schedule of Loans by Credit Quality (Details) link:presentationLink link:calculationLink link:definitionLink 00000035 - Disclosure - Loans - Schedule of Age Analysis of Past-due Loans (Details) link:presentationLink link:calculationLink link:definitionLink 00000036 - Disclosure - Loans - Schedule of Impaired Loans (Details) link:presentationLink link:calculationLink link:definitionLink 00000037 - Disclosure - Loans - Schedule of Interest Income Recognized and Received on Impaired Loans (Details) link:presentationLink link:calculationLink link:definitionLink 00000038 - Disclosure - Loss Per Share - Schedule of Weighted Average Number of Common Shares Outstanding (Details) link:presentationLink link:calculationLink link:definitionLink 00000039 - Disclosure - Stock-Based Compensation (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 00000040 - Disclosure - Fair Value Measurements (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 00000041 - Disclosure - Fair Value Measurements - Schedule of Assets Measured on Nonrecurring Basis (Details) link:presentationLink link:calculationLink link:definitionLink 00000042 - Disclosure - Fair Value Measurements - Schedule of Available-for-Sale Securities Measured at Fair Value on Recurring Basis (Details) link:presentationLink link:calculationLink link:definitionLink 00000043 - Disclosure - Fair Value of Financial Instruments - Schedule of Estimated Fair Value of Financial Instruments (Details) link:presentationLink link:calculationLink link:definitionLink 00000044 - Disclosure - Off- Balance Sheet Financial Instruments - Schedule of Off-Balance Sheet Risks of Financial Instruments (Details) link:presentationLink link:calculationLink link:definitionLink 00000045 - Disclosure - Regulatory Matters (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 00000046 - Disclosure - Regulatory Matters - Schedule of Capital Amounts, Ratios and Regulatory Thresholds (Details) link:presentationLink link:calculationLink link:definitionLink 00000047 - Disclosure - Junior Subordinated Debenture (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 00000048 - Disclosure - Loan Loss Recovery (Details Narrative) link:presentationLink link:calculationLink link:definitionLink EX-101.CAL 8 ophc-20190331_cal.xml XBRL CALCULATION FILE EX-101.DEF 9 ophc-20190331_def.xml XBRL DEFINITION FILE EX-101.LAB 10 ophc-20190331_lab.xml XBRL LABEL FILE Equity Components [Axis] Preferred Stock [Member] Common Stock [Member] Paid-In Capital [Member] Accumulated Deficit [Member] Accumulated Other Comprehensive Loss [Member] Class of Financing Receivable [Axis] Residential Real Estate [Member] Multi-Family Real Estate [Member] Commercial Real Estate [Member] Land and Construction [Member] Commercial [Member] Consumer [Member] Unallocated [Member] Internal Credit Assessment [Axis] Pass [Member] OLEM (Other Loans Especially Mentioned) [Member] Sub-standard [Member] Doubtful [Member] Loss [Member] Asset Class [Axis] Collateralized Mortgage Obligations [Member] SBA Pool Securities [Member] Financing Receivables, Period Past Due [Axis] Financing Receivables, 30 to 59 Days Past Due [Member] Financing Receivables, 60 to 89 Days Past Due [Member] Financing Receivables, Greater Than 90 Days Past Due [Member] Measurement Frequency [Axis] Fair Value Measurements Nonrecurring [Member] Fair Value Hierarchy and NAV [Axis] Fair Value [Member] Quoted Prices In Active Markets for Identical Assets (Level 1) [Member] Significant Other Observable Inputs (Level 2) [Member] Significant Unobservable Inputs (Level 3) [Member] Fair Value, Measurements, Recurring [Member] Commercial [Member] Class of Stock [Axis] Designated Series A Preferred Stock [Member] Measurement Input Type [Axis] Carrying Amount [Member] Fair Value [Member] Title of Individual [Axis] New Holder [Member] Related Party [Axis] Several Unaffiliated Third Parties [Member] Director [Member] OptimumBank Holdings Capital Trust I [Member] Plan Name [Axis] 2011 Equity Incentive Plan [Member] Variable Rate [Axis] LIBOR [Member] Adjustments for New Accounting Pronouncements [Axis] Accounting Standards Update 2016-02 [Member] 2018 Equity Incentive Plan [Member] Document And Entity Information Entity Registrant Name Entity Central Index Key Document Type Document Period End Date Amendment Flag Current Fiscal Year End Date Entity Filer Category Entity Small Business Flag Entity Emerging Growth Company Entity Ex Transition Period Entity Common Stock, Shares Outstanding Trading Symbol Document Fiscal Period Focus Document Fiscal Year Focus Statement of Financial Position [Abstract] Assets: Cash and due from banks Interest-bearing deposits with banks Total cash and cash equivalents Securities available for sale Securities held-to-maturity (fair value of $7,066 and 7,175) Loans, net of allowance for loan losses of $2,047 and $2,243 Federal Home Loan Bank stock Premises and equipment, net Accrued interest receivable Other assets Total assets Liabilities and Stockholders' Equity: Liabilities: Noninterest-bearing demand deposits Savings, NOW and money-market deposits Time deposits Total deposits Federal Home Loan Bank advances Federal funds purchased Junior subordinated debenture Official checks Other liabilities Total liabilities Commitments and contingencies (Notes 7 and 9) Stockholders' equity: Preferred stock, no par value; 6,000,000 shares authorized: Designated Series A, no par value, $25,000 liquidation value per share, no shares issued and outstanding Common stock, $.01 par value; 5,000,000 shares authorized, 1,858,020 shares issued and outstanding Additional paid-in capital Accumulated deficit Accumulated other comprehensive loss Total stockholders' equity Total liabilities and stockholders' equity Statement [Table] Statement [Line Items] Securities held to maturity, fair value Loans, allowance for loan losses Preferred stock, par value Preferred stock, shares authorized Preferred stock liquidation value per share Preferred stock, shares issued Preferred stock, shares outstanding Common stock, par value Common stock, shares authorized Common stock, shares issued Common stock, shares outstanding Income Statement [Abstract] Interest income: Loans Securities Other Total interest income Interest expense: Deposits Borrowings Total interest expense Net interest income Provision for loan losses Net interest income after provision for loan losses Noninterest income: Service charges and fees Other Total noninterest income Noninterest expenses: Salaries and employee benefits Professional fees Occupancy and equipment Data processing Insurance Regulatory assessment Other Total noninterest expenses Net loss before income tax benefit Income tax benefit Net loss Net loss per share: Basic and diluted Net loss Other comprehensive income (loss): Change in unrealized gain (loss) on securities: Unrealized gain (loss) arising during the year Amortization of unrealized loss on securities transferred to held-to-maturity Other comprehensive income (loss) before income tax (expense) benefit Deferred income tax (expense) benefit on above change Total other comprehensive income (loss) Comprehensive loss Balance beginning Balance beginning, shares Proceeds from sale of common stock Proceeds from sale of common stock, shares Common stock issued as compensation to directors Common stock issued as compensation to directors, shares Cumulative-effect adjustment resulting from adoption of new lease accounting standard (unaudited) Net change in unrealized loss on securities available for sale, net of income taxes Amortization of unrealized loss on securities transferred to held to maturity Balance ending Balance ending, shares Statement of Cash Flows [Abstract] Cash flows from operating activities: Adjustments to reconcile net loss to net cash used in operating activities: Depreciation and amortization Net amortization of fees, premiums and discounts (Increase) decrease in accrued interest receivable Increase in other assets Increase in official checks and other liabilities Net cash used in operating activities Cash flows from investing activities: Principal repayments of securities available for sale Principal repayments of securities held-to-maturity Net increase in loans Purchases of premises and equipment Redemption of FHLB stock Net cash used in investing activities Cash flows from financing activities: Net increase (decrease) in deposits Net (decrease) increase in federal funds purchased Net (decrease) increase in FHLB Advances Proceeds from sale of common stock Net cash provided by (used in) financing activities Net increase (decrease) in cash and cash equivalents Cash and cash equivalents at beginning of the period Cash and cash equivalents at end of the period Supplemental disclosure of cash flow information: EX-101.PRE 11 ophc-20190331_pre.xml XBRL PRESENTATION FILE XML 12 R1.htm IDEA: XBRL DOCUMENT

Document and Entity Information - shares	3 Months Ended
Document and Entity Information - shares	Mar. 31, 2019	May 06, 2019
Document And Entity Information
Entity Registrant Name	OptimumBank Holdings, Inc.
Entity Central Index Key	0001288855
Document Type	10-Q
Document Period End Date	Mar. 31, 2019
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Entity Filer Category	Non-accelerated Filer
Entity Small Business Flag	true
Entity Emerging Growth Company	false
Entity Ex Transition Period	false
Entity Common Stock, Shares Outstanding		1,858,020
Trading Symbol	OPHC
Document Fiscal Period Focus	Q1
Document Fiscal Year Focus	2019

XML 13 R2.htm IDEA: XBRL DOCUMENT

Condensed Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Assets:
Cash and due from banks	$ 2,212	$ 1,934
Interest-bearing deposits with banks	11,347	6,049
Total cash and cash equivalents	13,559	7,983
Securities available for sale	2,191	2,359
Securities held-to-maturity (fair value of $7,066 and 7,175)	6,955	7,139
Loans, net of allowance for loan losses of $2,047 and $2,243	78,498	77,200
Federal Home Loan Bank stock	642	1,132
Premises and equipment, net	2,669	2,668
Accrued interest receivable	324	314
Other assets	1,884	1,573
Total assets	106,722	100,368
Liabilities:
Noninterest-bearing demand deposits	11,641	9,638
Savings, NOW and money-market deposits	41,609	26,682
Time deposits	27,574	26,058
Total deposits	80,824	62,378
Federal Home Loan Bank advances	13,000	24,600
Federal funds purchased		560
Junior subordinated debenture	5,155	5,155
Official checks	265	274
Other liabilities	2,305	2,095
Total liabilities	101,549	95,062
Commitments and contingencies (Notes 7 and 9)
Stockholders' equity:
Preferred stock, no par value; 6,000,000 shares authorized: Designated Series A, no par value, $25,000 liquidation value per share, no shares issued and outstanding
Common stock, $.01 par value; 5,000,000 shares authorized, 1,858,020 shares issued and outstanding	18	18
Additional paid-in capital	36,128	36,128
Accumulated deficit	(30,660)	(30,510)
Accumulated other comprehensive loss	(313)	(330)
Total stockholders' equity	5,173	5,306
Total liabilities and stockholders' equity	$ 106,722	$ 100,368

XML 14 R3.htm IDEA: XBRL DOCUMENT

Condensed Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Securities held to maturity, fair value	$ 7,066	$ 7,175
Loans, allowance for loan losses	$ 2,047	$ 2,243
Preferred stock, par value
Preferred stock, shares authorized	6,000,000	6,000,000
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	5,000,000	5,000,000
Common stock, shares issued	1,858,020	1,858,020
Common stock, shares outstanding	1,858,020	1,858,020
Designated Series A Preferred Stock [Member]
Preferred stock, par value
Preferred stock liquidation value per share	$ 25,000	$ 25,000
Preferred stock, shares issued
Preferred stock, shares outstanding

XML 15 R4.htm IDEA: XBRL DOCUMENT

Condensed Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Interest income:
Loans	$ 1,090	$ 916
Securities	50	61
Other	62	35
Total interest income	1,202	1,012
Interest expense:
Deposits	289	112
Borrowings	164	148
Total interest expense	453	260
Net interest income	749	752
Provision for loan losses
Net interest income after provision for loan losses	749	752
Noninterest income:
Service charges and fees	22	10
Other	15	4
Total noninterest income	37	14
Noninterest expenses:
Salaries and employee benefits	501	438
Professional fees	99	65
Occupancy and equipment	113	104
Data processing	124	77
Insurance	24	24
Regulatory assessment	4	39
Other	119	304
Total noninterest expenses	984	1,051
Net loss before income tax benefit	(198)	(285)
Income tax benefit	(52)
Net loss	$ (146)	$ (285)
Net loss per share:
Basic and diluted	$ (0.08)	$ (0.24)

XML 16 R5.htm IDEA: XBRL DOCUMENT

Condensed Consolidated Statements of Comprehensive Loss (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Income Statement [Abstract]
Net loss	$ (146)	$ (285)
Change in unrealized gain (loss) on securities:
Unrealized gain (loss) arising during the year	5	(64)
Amortization of unrealized loss on securities transferred to held-to-maturity	17
Other comprehensive income (loss) before income tax (expense) benefit	22	(64)
Deferred income tax (expense) benefit on above change	(5)	17
Total other comprehensive income (loss)	17	(47)
Comprehensive loss	$ (129)	$ (332)

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References + Details

XML 17 R6.htm IDEA: XBRL DOCUMENT

Condensed Consolidated Statements of Stockholders' Equity (Unaudited) - USD ($) $ in Thousands	Preferred Stock [Member]	Common Stock [Member]	Paid-In Capital [Member]	Accumulated Deficit [Member]	Accumulated Other Comprehensive Loss [Member]	Total
Balance beginning at Dec. 31, 2017		$ 11	$ 34,090	$ (31,306)	$ (250)	$ 2,545
Balance beginning, shares at Dec. 31, 2017	7	1,120,947
Proceeds from sale of common stock			46			46
Proceeds from sale of common stock, shares		20,814
Common stock issued as compensation to directors		$ 2	612			614
Common stock issued as compensation to directors, shares		144,742
Cumulative-effect adjustment resulting from adoption of new lease accounting standard (unaudited)
Net loss				(285)		(285)
Net change in unrealized loss on securities available for sale, net of income taxes					(47)	(47)
Balance ending at Mar. 31, 2018		$ 13	34,748	(31,591)	(297)	2,873
Balance ending, shares at Mar. 31, 2018	7	1,286,503
Balance beginning at Dec. 31, 2018		$ 18	36,128	(30,510)	(330)	5,306
Balance beginning, shares at Dec. 31, 2018		1,858,020
Proceeds from sale of common stock
Proceeds from sale of common stock, shares
Common stock issued as compensation to directors
Common stock issued as compensation to directors, shares
Cumulative-effect adjustment resulting from adoption of new lease accounting standard (unaudited)				(4)		(4)
Net loss				(146)		(146)
Net change in unrealized loss on securities available for sale, net of income taxes					3	3
Amortization of unrealized loss on securities transferred to held to maturity					14	14
Balance ending at Mar. 31, 2019		$ 18	$ 36,128	$ (30,660)	$ (313)	$ 5,173
Balance ending, shares at Mar. 31, 2019		1,858,020

XML 18 R7.htm IDEA: XBRL DOCUMENT

Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Cash flows from operating activities:
Net loss	$ (146)	$ (285)
Adjustments to reconcile net loss to net cash used in operating activities:
Depreciation and amortization	42	35
Net amortization of fees, premiums and discounts	43	64
(Increase) decrease in accrued interest receivable	(10)	32
Increase in other assets	(311)	(3)
Increase in official checks and other liabilities	192	151
Net cash used in operating activities	(190)	(6)
Cash flows from investing activities:
Principal repayments of securities available for sale	154	357
Principal repayments of securities held-to-maturity	193
Net increase in loans	(1,314)	(918)
Purchases of premises and equipment	(43)	(113)
Redemption of FHLB stock	490
Net cash used in investing activities	(520)	(674)
Cash flows from financing activities:
Net increase (decrease) in deposits	18,446	(10,154)
Net (decrease) increase in federal funds purchased	(560)	2,767
Net (decrease) increase in FHLB Advances	(11,600)	500
Proceeds from sale of common stock		46
Net cash provided by (used in) financing activities	6,286	(6,841)
Net increase (decrease) in cash and cash equivalents	5,576	(7,521)
Cash and cash equivalents at beginning of the period	7,983	11,665
Cash and cash equivalents at end of the period	13,559	4,144
Supplemental disclosure of cash flow information:
Interest	370	194
Income taxes
Noncash transaction:
Change in accumulated other comprehensive loss, net change in unrealized loss on securities available for sale, net of income taxes	17	(47)
Reclassification of stock compensation from other liabilities to common stock		614
Cumulative-effect adjustment resulting from adoption of new lease accounting standard	(4)
Amortization of unrealized loss on securities transferred to held-to-maturity	$ 17

XML 19 R8.htm IDEA: XBRL DOCUMENT

General

3 Months Ended

Mar. 31, 2019

Accounting Policies [Abstract]

General

(1)	*General.* OptimumBank Holdings, Inc. (the “Company”) is a one-bank holding company and owns 100% of OptimumBank (the “Bank”), a Florida-chartered commercial bank. The Company’s only business is the operation of the Bank and its subsidiaries (collectively, the “Company”). The Bank’s deposits are insured up to applicable limits by the Federal Deposit Insurance Corporation (“FDIC”). The Bank offers a variety of community banking services to individual and corporate customers through its three banking offices located in Broward County, Florida.

	Basis of Presentation. In the opinion of management, the accompanying condensed consolidated financial statements of the Company contain all adjustments (consisting principally of normal recurring accruals) necessary to present fairly the financial position at March 31, 2019, and the results of operations and cash flows for the three-month periods ended March 31, 2019 and 2018. All significant intercompany accounts and transactions have been eliminated in consolidation. The results of operations for the three months ended March 31, 2019, are not necessarily indicative of the results to be expected for the full year.

	*Junior Subordinated Debenture.* The Company is in default with respect to its $5,155,000 Junior Subordinated Debenture (the “Debenture”) due to its failure to make certain required interest payments under the Debenture. The Debenture was issued to OptimumBank Holdings Capital Trust I, a Delaware statutory trust formed by the Company for the purpose of issuing and selling certain securities (the “Trust Preferred Securities”) representing undivided beneficial interests in the Debenture. The trust issued a total of 5,000 Trust Preferred Securities. The Trustee, Wells Fargo Bank, for the Debenture (the “Trustee”) and the beneficial owners of the Debenture are entitled to accelerate the payment of the $5,155,000 principal balance plus accrued and unpaid interest totaling $1,776,000 at March 31, 2019. To date, neither the Trustee nor the holders have accelerated the outstanding balance of the Debenture. No adjustments to the accompanying condensed consolidated financial statements have been made as a result of this uncertainty. In May 2018, a company affiliated with a director of the Company (the “New Holder”) purchased all 5,000 Trust Preferred Securities from a third party. During the third quarter of 2018, the New Holder sold its rights in 694 of the Trust Preferred Securities to several unaffiliated third parties, who subsequently exchanged these Trust Preferred Securities for 301,778 shares of the Company’s common stock. Under the Written Agreement the exchange of Trust Preferred Securities for the Company’s common stock cannot reduce the principal amount of the Debenture collateralizing the Trust Preferred Securities. Accordingly the transaction was recorded as an increase in the Company’s equity interest in the unconsolidated subsidiary trust, presented in “Other Assets” in the accompanying condensed consolidated balance sheets. Although the Company and the New Holder have not executed a formal, definitive bilateral agreement, the New Holder has provided the Company with written representations that the New Holder will not accelerate and demand payment of any of the remaining 4,306 Trust Preferred Securities principal or accrued interest within twelve months from May 14, 2019, the date the Company’s Form 10-Q as of and for the period ended March 31, 2019, was filed with the Securities and Exchange Commission.

	Comprehensive Loss. GAAP generally requires that recognized revenue, expenses, gains and losses be included in net loss. 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 condensed consolidated balance sheets, such items along with net loss, are components of comprehensive loss.

Accumulated other comprehensive loss consists of the following (in thousands):

	March 31,			December 31,
	2019			2018

Unrealized loss on securities available for sale	$	(59	)	$	(64	)
Unamortized portion of unrealized loss related to securities available for sale transferred to securities held-to-maturity		(360	)		(377	)
Income tax benefit		106			111

	$	(313	)	$	(330	)

	*Income Taxes.* The Company assessed its earnings history and trends and estimates of future earnings, and determined that the deferred tax asset could not be realized as of March 31, 2019. Accordingly, a valuation allowance was recorded against the net deferred tax asset.

XML 20 R9.htm IDEA: XBRL DOCUMENT

Securities

3 Months Ended

Mar. 31, 2019

Investments, Debt and Equity Securities [Abstract]

Securities

(3)

Loans. The components of loans are as follows (in thousands):

	At March 31, 2019			At December 31, 2018

Residential real estate	$	26,015		$	27,204
Multi-family real estate		6,455			8,195
Commercial real estate		42,886			36,634
Land and construction		-			1,998
Commercial		4,867			4,997
Consumer		189			260

Total loans		80,412			79,288

Add (deduct):
Net deferred loan fees, costs and premiums		133			155
Allowance for loan losses		(2,047	)		(2,243	)

Loans, net	$	78,498		$	77,200

An analysis of the change in the allowance for loan losses follows (in thousands):

	Residential Real Estate			Multi-Family Real Estate			Commercial Real Estate			Land and Construction			Commercial			Consumer			Unallocated			Total
*Three Months Ended March 31, 2019:*

Beginning balance	$	544		$	88		$	567		$	19		$	850		$	25		$	150		$	2,243
(Credit) provision for loan losses		(12	)		(23	)		256			(25	)		(297	)		1			100			—
Charge-offs		—			—			(195	)		—			—			(7	)		—			(202	)
Recoveries		—			—			—			6			—			—			—			6

Ending balance	$	532		$	65		$	628		$	—		$	553		$	19		$	250		$	2,047

*Three Months Ended March 31, 2018:*
Beginning balance	$	641		$	59		$	759		$	22		$	55		$	86		$	2,369		$	3,991
Provision (credit) for loan losses		6			8			(47	)		—			224			(23	)		(168	)		—
Charge-offs		—			—			—			—			—			(9	)		—			(9	)
Recoveries		—			—			—			6			—			5			—			11

Ending balance	$	647		$	67		$	712		$	28		$	279		$	59		$	2,201		$	3,993

	Residential Real Estate		Multi- Family Real Estate		Commercial Real Estate		Land and Construction		Commercial		Consumer		Unallocated		Total
*At March 31, 2019:*
Individually evaluated for impairment:
Recorded investment	$	948	$	—	$	2,457	$	—	$	1,806	$	—	$	—	$	5,211
Balance in allowance for loan losses	$	261	$	—	$	—	$	—	$	523	$	—	$	—	$	784

Collectively evaluated for impairment:
Recorded investment	$	25,067	$	6,455	$	40,429	$	—	$	3,061	$	189	$	—	$	75,201
Balance in allowance for loan losses	$	271	$	65	$	628	$	—	$	30	$	19	$	250	$	1,263

*At December 31, 2018:*
Individually evaluated for impairment:
Recorded investment	$	954	$	—	$	3,861	$	—	$	1,928	$	—	$	—	$	6,743
Balance in allowance for loan losses	$	268	$	—	$	162	$	—	$	814	$	—	$	—	$	1,244

Collectively evaluated for impairment:
Recorded investment	$	26,250	$	8,195	$	32,773	$	1,998	$	3,069	$	260	$	—	$	72,545
Balance in allowance for loan losses	$	276	$	88	$	405	$	19	$	36	$	25	$	150	$	999

	The Company has divided the loan portfolio into six portfolio segments, each with different risk characteristics and methodologies for assessing risk. All loans are underwritten based upon standards set forth in the policies approved by the Company’s Board of Directors (the “Board”). The Company identifies the portfolio segments as follows: *Residential Real Estate, Multi-Family Real Estate, Commercial Real Estate, Land and Construction.* Residential real estate loans are underwritten based on repayment capacity and source, value of the underlying property, credit history and stability. The Company offers first and second one-to-four family mortgage loans; the collateral for these loans is generally the clients' owner-occupied residences. Although these types of loans present lower levels of risk than commercial real estate loans, risks do still exist because of possible fluctuations in the value of the real estate collateral securing the loan, as well as changes in the borrowers' financial condition. Multi-family and commercial real estate loans are secured by the subject property and are underwritten based upon standards set forth in the policies approved by the Board. Such standards include, among other factors, loan to value limits, cash flow coverage and general creditworthiness of the obligors. Construction loans to borrowers finance the construction of owner occupied and leased properties. These loans are categorized as construction loans during the construction period, later converting to commercial or residential real estate loans after the construction is complete and amortization of the loan begins. Real estate development and construction loans are approved based on an analysis of the borrower and guarantor, the viability of the project and on an acceptable percentage of the appraised value of the property securing the loan. Real estate development and construction loan funds are disbursed periodically based on the percentage of construction completed. The Company carefully monitors these loans with on-site inspections and requires the receipt of lien waivers on funds advanced. Development and construction loans are typically secured by the properties under development or construction, and personal guarantees are typically obtained. Further, to assure that reliance is not placed solely on the value of the underlying property, the Company considers the market conditions and feasibility of proposed projects, the financial condition and reputation of the borrower and guarantors, the amount of the borrower’s equity in the project, independent appraisals, cost estimates and pre-construction sales information. The Company also makes loans on occasion for the purchase of land for future development by the borrower. Land loans are extended for future development for either commercial or residential use by the borrower. The Company carefully analyzes the intended use of the property and the viability thereof.

	*Commercial.* Commercial business loans and lines of credit consist of loans to small- and medium-sized companies in the Company’s market area. Commercial loans are generally used for working capital purposes or for acquiring equipment, inventory or furniture. Primarily all of the Company’s commercial loans are secured loans, along with a small amount of unsecured loans. The Company’s underwriting analysis consists of a review of the financial statements of the borrower, the lending history of the borrower, the debt service capabilities of the borrower, the projected cash flows of the business, the value of the collateral, if any, and whether the loan is guaranteed by the principals of the borrower. These loans are generally secured by accounts receivable, inventory and equipment. Commercial loans are typically made on the basis of the borrower’s ability to make repayment from the cash flow of the borrower’s business, which makes them of higher risk than residential loans and the collateral securing loans may be difficult to appraise and may fluctuate in value based on the success of the business. The Company seeks to minimize these risks through its underwriting standards.

	*Consumer.* Consumer loans are extended for various purposes, including purchases of automobiles, recreational vehicles, and boats. Also offered are home improvement loans, lines of credit, personal loans, and deposit account collateralized loans. Repayment of these loans is primarily dependent on the personal income of the borrowers, which can be impacted by economic conditions in their market areas such as unemployment levels. Loans to consumers are extended after a credit evaluation, including the creditworthiness of the borrower(s), the purpose of the credit, and the secondary source of repayment. Consumer loans are made at fixed and variable interest rates. Risk is mitigated by the fact that the loans are of smaller individual amounts.

The following summarizes the loan credit quality (in thousands):

	Pass		OLEM (Other Loans Especially Mentioned)		Sub- standard		Doubtful		Loss		Total
*At March 31, 2019:*
Residential real estate	$	25,067	$	—	$	948	$	—	$	—	$	26,015
Multi-family real estate		6,455		—		—		—		—		6,455
Commercial real estate		38,699		1,730		2,457		—		—		42,886
Land and construction		—		—		—		—		—		—
Commercial		2,355		706		1,806		—		—		4,867
Consumer		189		—		—		—		—		189

Total	$	72,765	$	2,436	$	5,211	$	—	$	—	$	80,412

*At December 31, 2018:*
Residential real estate	$	26,250	$	—	$	954	$	—	$	—	$	27,204
Multi-family real estate		8,195		—		—		—		—		8,195
Commercial real estate		31,050		1,723		3,861		—		—		36,634
Land and construction		1,998		—		—		—		—		1,998
Commercial		2,362		707		1,928		—		—		4,997
Consumer		260		—		—		—		—		260

Total	$	70,115	$	2,430	$	6,743	$	—	$	—	$	79,288

Internally assigned loan grades are defined as follows:

	Pass – a Pass loan’s primary source of loan repayment is satisfactory, with secondary sources very likely to be realized if necessary. These are loans that conform in all aspects to bank policy and regulatory requirements, and no repayment risk has been identified.

	OLEM – an Other Loan Especially Mentioned has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in the deterioration of the repayment prospects for the asset or the Company’s credit position at some future date.

	Substandard – a Substandard loan is inadequately protected by the current Net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. Included in this category are loans that are current on their payments, but the Bank is unable to document the source of repayment. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.

	Doubtful – a loan classified as Doubtful has all the weaknesses inherent in one classified as Substandard, with the added characteristics that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be effected in the future. The Company charges off any loan classified as Doubtful.

	Loss – a loan classified Loss is considered uncollectible and of such little value that continuance as a bankable asset is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be effected in the future. The Company fully charges off any loan classified as Loss.

Age analysis of past-due loans is as follows (in thousands):

	Accruing Loans
	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days Past Due		Total Past Due		Current		Nonaccrual Loans		Total Loans
*At March 31, 2019:*
Residential real estate	$	-	$	-	$	-	$	-	$	26,015	$	—	$	26,015
Multi-family real estate		-		-		-		-		6,455		—		6,455
Commercial real estate		-		-		-		-		42,886		—		42,886
Land and construction		-		-		-		-		-		—		-
Commercial		-		-		-		-		4,867		—		4,867
Consumer		-		-		-		-		189		—		189

Total	$	-	$	-	$	-	$	-	$	80,412	$	—	$	80,412

	Accruing Loans
		30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days Past Due		Total Past Due		Current		Nonaccrual Loans		Total Loans
*At December 31, 2018:*
Residential real estate		$	—	$	—	$	—	$	—	$	27,204	$	—	$	27,204
Multi-family real estate			—		—		—		—		8,195		—		8,195
Commercial real estate			—		—		—		—		35,254		1,380		36,634
Land and construction			—		—		—		—		1,998		—		1,998
Commercial			—		—		—		—		4,997		—		4,997
Consumer			—		—		—		—		260		—		260

Total		$	—	$	—	$	—	$	—	$	77,908	$	1,380	$	79,288

The following summarizes the amount of impaired loans (in thousands):

	At March 31, 2019						At December 31, 2018
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance recorded:
Commercial real estate	$	2,457	$	2,457	$	—	$	2,259	$	2,259	$	—
Commercial		994		994		—		1,114		1,114		—
With related allowance recorded:
Residential real estate		948		948		261		954		954		268
Commercial real estate		—		—		—		1,602		1,602		162
Commercial		812		812		523		814		814		814
Total:
Residential real estate	$	948	$	948	$	261	$	954	$	954	$	268
Commercial real estate	$	2,457	$	2,457	$	—	$	3,861	$	3,861	$	162
Commercial	$	1,806	$	1,806	$	523	$	1,928	$	1,928	$	814
Total	$	5,211	$	5,211	$	784	$	6,743	$	6,743	$	1,244

The average net investment in impaired loans and interest income recognized and received on impaired loans are as follows (in thousands):

	Three Months Ended						Three Months Ended
	March 31, 2019						March 31, 2018
	Average Recorded Investment		Interest Income Recognized		Interest Income Received		Average Recorded Investment		Interest Income Recognized		Interest Income Received

Residential real estate	$	951		18		18	$	696	$	19	$	19
Commercial real estate	$	3,506		29		38	$	702	$	12	$	13
Commercial	$	1,860		24		28	$	537	$	17	$	17

Total	$	6,317		71		84	$	1,935	$	48	$	49

XML 21 R10.htm IDEA: XBRL DOCUMENT

Loans

3 Months Ended

Mar. 31, 2019

Receivables [Abstract]

Loans

(3)

Loans. The components of loans are as follows (in thousands):

	At March 31, 2019			At December 31, 2018

Residential real estate	$	26,015		$	27,204
Multi-family real estate		6,455			8,195
Commercial real estate		42,886			36,634
Land and construction		-			1,998
Commercial		4,867			4,997
Consumer		189			260

Total loans		80,412			79,288

Add (deduct):
Net deferred loan fees, costs and premiums		133			155
Allowance for loan losses		(2,047	)		(2,243	)

Loans, net	$	78,498		$	77,200

(3)

Loans, Continued. An analysis of the change in the allowance for loan losses follows (in thousands):

	Residential Real Estate			Multi-Family Real Estate			Commercial Real Estate			Land and Construction			Commercial			Consumer			Unallocated			Total
*Three Months Ended March 31, 2019:*

Beginning balance	$	544		$	88		$	567		$	19		$	850		$	25		$	150		$	2,243
(Credit) provision for loan losses		(12	)		(23	)		256			(25	)		(297	)		1			100			—
Charge-offs		—			—			(195	)		—			—			(7	)		—			(202	)
Recoveries		—			—			—			6			—			—			—			6

Ending balance	$	532		$	65		$	628		$	0		$	553		$	19		$	250		$	2,047

*Three Months Ended March 31, 2018:*
Beginning balance	$	641		$	59		$	759		$	22		$	55		$	86		$	2,369		$	3,991
Provision (credit) for loan losses		6			8			(47	)		—			224			(23	)		(168	)		—
Charge-offs		—			—			—			—			—			(9	)		—			(9	)
Recoveries		—			—			—			6			—			5			—			11

Ending balance	$	647		$	67		$	712		$	28		$	279		$	59		$	2,201		$	3,993

	Residential Real Estate		Multi- Family Real Estate		Commercial Real Estate		Land and Construction		Commercial		Consumer		Unallocated		Total
*At March 31, 2019:*
Individually evaluated for impairment:
Recorded investment	$	948	$	—	$	2,457	$	—	$	1,806	$	—	$	—	$	5,211
Balance in allowance for loan losses	$	261	$	—	$	—	$	—	$	523	$	—	$	—	$	784

Collectively evaluated for impairment:
Recorded investment	$	25,067	$	6,455	$	40,429	$	—	$	3,061	$	189	$	—	$	75,201
Balance in allowance for loan losses	$	271	$	65	$	628	$	—	$	30	$	19	$	250	$	1,263

*At December 31, 2018:*
Individually evaluated for impairment:
Recorded investment	$	954	$	—	$	3,861	$	—	$	1,928	$	—	$	—	$	6,743
Balance in allowance for loan losses	$	268	$	—	$	162	$	—	$	814	$	—	$	—	$	1,244

Collectively evaluated for impairment:
Recorded investment	$	26,250	$	8,195	$	32,773	$	1,998	$	3,069	$	260	$	—	$	72,545
Balance in allowance for loan losses	$	276	$	88	$	405	$	19	$	36	$	25	$	150	$	999

(3)	*Loans, Continued.* *Residential Real Estate, Multi-Family Real Estate, Commercial Real Estate, Land and Construction.* All loans are underwritten in accordance with policies set forth and approved by the Board of Directors (the “Board”), including repayment capacity and source, value of the underlying property, credit history and stability. Multi-family and commercial real estate loans are secured by the subject property and are underwritten based upon standards set forth in the policies approved by the Company’s Board. Such standards include, among other factors, loan to value limits, cash flow coverage and general creditworthiness of the obligors. Construction loans to borrowers finance the construction of owner occupied and leased properties. These loans are categorized as construction loans during the construction period, later converting to commercial or residential real estate loans after the construction is complete and amortization of the loan begins. Real estate development and construction loans are approved based on an analysis of the borrower and guarantor, the viability of the project and on an acceptable percentage of the appraised value of the property securing the loan. Real estate development and construction loan funds are disbursed periodically based on the percentage of construction completed. The Company carefully monitors these loans with on-site inspections and requires the receipt of lien waivers on funds advanced. Development and construction loans are typically secured by the properties under development or construction, and personal guarantees are typically obtained. Further, to assure that reliance is not placed solely on the value of the underlying property, the Company considers the market conditions and feasibility of proposed projects, the financial condition and reputation of the borrower and guarantors, the amount of the borrower’s equity in the project, independent appraisals, cost estimates and pre-construction sales information. The Company also makes loans on occasion for the purchase of land for future development by the borrower. Land loans are extended for future development for either commercial or residential use by the borrower. The Company carefully analyzes the intended use of the property and the viability thereof.

	*Commercial.* Commercial business loans and lines of credit consist of loans to small- and medium-sized companies in the Company’s market area. Commercial loans are generally used for working capital purposes or for acquiring equipment, inventory or furniture. Primarily all of the Company’s commercial loans are secured loans, along with a small amount of unsecured loans. The Company’s underwriting analysis consists of a review of the financial statements of the borrower, the lending history of the borrower, the debt service capabilities of the borrower, the projected cash flows of the business, the value of the collateral, if any, and whether the loan is guaranteed by the principals of the borrower. These loans are generally secured by accounts receivable, inventory and equipment. Commercial loans are typically made on the basis of the borrower’s ability to make repayment from the cash flow of the borrower’s business, which makes them of higher risk than residential loans and the collateral securing loans may be difficult to appraise and may fluctuate in value based on the success of the business. The Company seeks to minimize these risks through its underwriting standards.

	*Consumer.* Consumer loans are extended for various purposes, including purchases of automobiles, recreational vehicles, and boats. Also offered are home improvement loans, lines of credit, personal loans, and deposit account collateralized loans. Repayment of these loans is primarily dependent on the personal income of the borrowers, which can be impacted by economic conditions in their market areas such as unemployment levels. Loans to consumers are extended after a credit evaluation, including the creditworthiness of the borrower(s), the purpose of the credit, and the secondary source of repayment. Consumer loans are made at fixed and variable interest rates. Risk is mitigated by the fact that the loans are of smaller individual amounts.

(3)

Loans, Continued. The following summarizes the loan credit quality (in thousands):

	Pass		OLEM (Other Loans Especially Mentioned)		Sub- standard		Doubtful		Loss		Total
*At March 31, 2019:*
Residential real estate	$	25,067	$	—	$	948	$	—	$	—	$	26,015
Multi-family real estate		6,455		—		—		—		—		6,455
Commercial real estate		38,699		1,730		2,457		—		—		42,886
Land and construction		—		—		—		—		—		—
Commercial		2,355		706		1,806		—		—		4,867
Consumer		189		—		—		—		—		189

Total	$	72,765	$	2,436	$	5,211	$	—	$	—	$	80,412

*At December 31, 2018:*
Residential real estate	$	26,250	$	—	$	954	$	—	$	—	$	27,204
Multi-family real estate		8,195		—		—		—		—		8,195
Commercial real estate		31,050		1,723		3,861		—		—		36,634
Land and construction		1,998		—		—		—		—		1,998
Commercial		2,362		707		1,928		—		—		4,997
Consumer		260		—		—		—		—		260

Total	$	70,115	$	2,430	$	6,743	$	—	$	—	$	79,288

Internally assigned loan grades are defined as follows:

	Pass – a Pass loan’s primary source of loan repayment is satisfactory, with secondary sources very likely to be realized if necessary. These are loans that conform in all aspects to bank policy and regulatory requirements, and no repayment risk has been identified.

	OLEM – an Other Loan Especially Mentioned has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in the deterioration of the repayment prospects for the asset or the Company’s credit position at some future date.

	Substandard – a Substandard loan is inadequately protected by the current Net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. Included in this category are loans that are current on their payments, but the Bank is unable to document the source of repayment. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.

	Doubtful – a loan classified as Doubtful has all the weaknesses inherent in one classified as Substandard, with the added characteristics that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be effected in the future. The Company charges off any loan classified as Doubtful.

	Loss – a loan classified Loss is considered uncollectible and of such little value that continuance as a bankable asset is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be effected in the future. The Company fully charges off any loan classified as Loss.

(3)

Loans, Continued. Age analysis of past-due loans is as follows (in thousands):

	Accruing Loans
	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days Past Due		Total Past Due		Current		Nonaccrual Loans		Total Loans
*At March 31, 2019:*
Residential real estate	$	-	$	-	$	-	$	-	$	26,015	$	—	$	26,015
Multi-family real estate		-		-		-		-		6,455		—		6,455
Commercial real estate		-		-		-		-		42,886		—		42,886
Land and construction		-		-		-		-		-		—		-
Commercial		-		-		-		-		4,867		—		4,867
Consumer		-		-		-		-		189		—		189

Total	$	-	$	-	$	-	$	-	$	80,412	$	—	$	80,412

	Accruing Loans
		30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days Past Due		Total Past Due		Current		Nonaccrual Loans		Total Loans
*At December 31, 2018:*
Residential real estate		$	—	$	—	$	—	$	—	$	27,204	$	—	$	27,204
Multi-family real estate			—		—		—		—		8,195		—		8,195
Commercial real estate			—		—		—		—		35,254		1,380		36,634
Land and construction			—		—		—		—		1,998		—		1,998
Commercial			—		—		—		—		4,997		—		4,997
Consumer			—		—		—		—		260		—		260

Total		$	—	$	—	$	—	$	—	$	77,908	$	1,380	$	79,288

The following summarizes the amount of impaired loans (in thousands):

	At March 31, 2019						At December 31, 2018
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance recorded:
Commercial real estate	$	2,457	$	2,457	$	—	$	2,259	$	2,259	$	—
Commercial		994		994		—		1,114		1,114		—
With related allowance recorded:
Residential real estate		948		948		261		954		954		268
Commercial real estate		—		—		—		1,602		1,602		162
Commercial		812		812		523		814		814		814
Total:
Residential real estate	$	948	$	948	$	261	$	954	$	954	$	268
Commercial real estate	$	2,457	$	2,457	$	—	$	3,861	$	3,861	$	162
Commercial	$	1,806	$	1,806	$	523	$	1,928	$	1,928	$	814
Total	$	5,211	$	5,211	$	784	$	6,743	$	6,743	$	1,244

(3)

Loans, Continued. The average net investment in impaired loans and interest income recognized and received on impaired loans are as follows (in thousands):

	For the Period Ended						For the Period Ended
	March 31, 2019						March 31, 2018
	Average Recorded Investment		Interest Income Recognized		Interest Income Received		Average Recorded Investment		Interest Income Recognized		Interest Income Received

Residential real estate	$	951		18		18	$	696	$	19	$	19
Commercial real estate	$	3,506		29		38	$	702	$	12	$	13
Commercial	$	1,860		24		28	$	537	$	17	$	17

Total	$	6,317		71		84	$	1,935	$	48	$	49

XML 22 R11.htm IDEA: XBRL DOCUMENT

Loss Per Share

3 Months Ended

Mar. 31, 2019

Earnings Per Share [Abstract]

Loss Per Share

(4)

	Three Months Ended March 31,
	2019		2018
Weighted-average number of common shares outstanding used to calculate basic and diluted loss per common share		1,858,020		1,173,018

XML 23 R12.htm IDEA: XBRL DOCUMENT

Stock-Based Compensation

3 Months Ended

Mar. 31, 2019

Share-based Payment Arrangement [Abstract]

Stock-Based Compensation

(5)	*Stock-Based Compensation.* The Company is authorized to grant stock options, stock grants and other forms of equity-based compensation under its 2011 Equity Incentive Plan as amended (the “2011 Plan”) and its 2018 Equity Incentive Plan (the “2018 Plan”). Both plans have been approved by shareholders. The Company is authorized to issue up to 210,000 shares of common stock under the 2011 Plan of which 208,881 have been issued, and 1,119 shares remain available for grant, and up to 250,000 shares of common stock under the 2018 Plan, of which 100,000 have been issued, and 150,000 shares remain available for grant.

	The Company’s only grants under the 2011 Plan have been the issuance of shares of common stock to directors for director’s fees and compensation for services rendered. As of April 1, 2017, the Company discontinued the issuance of common stock as a method of payment of director’s fees.

	During 2018, the sale of 20,814 shares of common stock to a director of the Company, and the issuance of 79,186 shares of common stock in exchange for 7 shares of the Company’s preferred stock held by a director in April 2018, were treated as grants under the 2018 Plan. Please refer to the Company’s Forms 8-K filed with the Securities and Exchange Commission on November 16, 2018 and January 10, 2019 for further details.

	During the year ended December 31, 2017, the Company accrued compensation expense of $8,858 with respect to 2,821 shares to be issued to directors at a value of $3.14 per share on account of director’s fees accrued during the first quarter of 2017. These shares were issued in 2018.

	During the year ended December 31, 2018, the Company accrued compensation expense of $200,000 with respect to 36,101 shares issued to a director for services performed in 2018. The Company had previously accrued compensation expense of $200,000 in 2016 and 2017 for services performed. The Company had previously agreed to issue 105,820 shares to this director for services performed in 2016 and 2017. All shares were issued in 2018.

XML 24 R13.htm IDEA: XBRL DOCUMENT

Fair Value Measurements

3 Months Ended

Mar. 31, 2019

Fair Value Disclosures [Abstract]

Fair Value Measurements

(6)

Fair

Value

Level 1

Level 2

Level 3

Total

Losses

Recorded in

Operations For the three months ended

March 31, 2019

At March 31, 2019:

Residential real estate

687

—

687

261

—

	Fair Value		Level 1		Level 2		Level 3		Total Losses		Losses Recorded in Operations For the three monthsended December 31, 2018
*At December 31, 2018:*
Residential real estate	$	686	$	—	$	—	$	686	$	268	$	—
Commercial real estate		1,312		—		—		1,312		71		—
	$	1,998		—		—		1,998		339		—

Available-for-sale securities measured at fair value on a recurring basis are summarized below (in thousands):

	Fair Value Measurements Using
	Fair Value		Quoted Prices In Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)

*At March 31, 2019:*
SBA Pool Securities	$	2,191	$	—	$	2,191	$	—

*At December 31, 2018:*
SBA Pool Securities	$	2,359	$	—	$	2,359	$	—

During the three months ended March 31, 2019 and 2018, no securities were transferred in or out of Levels 1, 2 or 3.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References + Details

XML 25 R14.htm IDEA: XBRL DOCUMENT

Fair Value of Financial Instruments

3 Months Ended

Mar. 31, 2019

Investments, All Other Investments [Abstract]

Fair Value of Financial Instruments

(7)

Fair Value of Financial Instruments. The estimated fair values and fair value measurement method with respect to the Company’s financial instruments were as follows (in thousands):

	At March 31, 2019						At December 31, 2018
	Carrying Amount		Fair Value			Level	Carrying Amount		Fair Value			Level
Financial assets:
Cash and cash equivalents	$	13,559	$	13,559		1	$	7,983	$	7,983		1
Securities available for sale		2,191		2,191		2		2,359		2,359		2
Securities held-to-maturity		6,955		7,066		2		7,139		7,175		2
Loans		78,498		78,196		3		77,200		77,062		3
Federal Home Loan Bank stock		642		642		3		1,132		1,132		3
Accrued interest receivable		324		324		3		314		314		3

Financial liabilities:
Deposit liabilities		80,824		80,744		3		62,378		62,243		3
Federal Home Loan Bank advances		13,000		12,951		3		24,600		24,437		3
Junior subordinated debenture		5,155		N/A	⁽¹⁾	3		5,155		N/A	⁽¹⁾	3
Federal funds purchased		—		—		3		560		560		3
Off-balance sheet financial instruments		—		—		3		—		—		3

(1)	The Company is unable to determine value based on significant unobservable inputs required in the calculation. Refer to Note 10 for further information.

XML 26 R15.htm IDEA: XBRL DOCUMENT

Off- Balance Sheet Financial Instruments

3 Months Ended

Mar. 31, 2019

Notes to Financial Statements

Off- Balance Sheet Financial Instruments

(8)

Off- Balance Sheet Financial Instruments. The Company is 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 are commitments to extend credit, unused lines of credit, and standby letters of credit and may involve, to varying degrees, elements of credit and interest-rate risk in excess of the amount recognized in the condensed consolidated balance sheet. The contract amounts of these instruments reflect the extent of involvement the Company has in these financial instruments.

Commitments to extend credit	$	550

Unused lines of credit	$	2,896

Standby letters of credit	$	-

XML 27 R16.htm IDEA: XBRL DOCUMENT

Regulatory Matters

3 Months Ended

Mar. 31, 2019

Banking and Thrift [Abstract]

Regulatory Matters

(9)	*Regulatory Matters.* The Bank is subject to various regulatory capital requirements administered by the bank regulatory 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 Company and 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 its 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.

	The Bank, is subject to the Basel III capital level threshold requirements under the Prompt Corrective Action regulations with full compliance phased in over a multi-year schedule. These new regulations were designed to ensure that banks maintain strong capital positions even in the event of severe economic downturns or unforeseen losses.

	The Bank is subject to the capital conservation buffer rules which places limitations on distributions, including dividend payments, and certain discretionary bonus payments to executive officers. In order to avoid these limitations, an institution must hold a capital conservation buffer above its minimum risk-based capital requirements. As of March 31, 2019 and the Bank’s capital conservation buffer exceeds the minimum requirements of 2.50%.

The following table shows the Bank’s capital amounts and ratios and regulatory thresholds at March 31, 2019 and December 31, 2018 (dollars in thousands):

	Actual					For Capital Adequacy Purposes					Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		%			Amount		%			Amount		%
As of March 31, 2019:
Total Capital to Risk-Weighted Assets	$	12,180		15.52	%	$	6,276		8.00	%	$	7,846		10.00	%
Tier I Capital to Risk-Weighted Assets		11,186		14.26			4,707		6.00			6,276		8.00
Common equity Tier I capital to Risk-Weighted Assets		11,186		14.26			3,531		4.50			5,100		6.50
Tier I Capital to Total Assets		11,186		10.86			4,119		4.00			5,149		5.00

As of December 31, 2018:
Total Capital to Risk-Weighted Assets	$	12,155		15.86	%	$	6,132		8.00	%	$	7,665		10.00	%
Tier I Capital to Risk-Weighted Assets		11,181		14.59			4,599		6.00			6,132		8.00
Common equity Tier I capital to Risk-Weighted Assets		11,181		14.59			3,449		4.50			4,983		6.50
Tier I Capital to Total Assets		11,181		11.68			3,828		4.00			4,785		5.00

Management believes the Bank has Satisfied the majority of the provisions of the MOU.

- Definition

The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1C
-URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958572-112826

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1D
-URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958573-112826

Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1B
-URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958570-112826

Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1A
-URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958569-112826

Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1G
-URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958577-112826

Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1F
-URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958575-112826

Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1E
-URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958574-112826

Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826

Reference 9: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1H
-URI http://asc.fasb.org/extlink&oid=117337116&loc=d3e65071-112826

+ Details

XML 28 R17.htm IDEA: XBRL DOCUMENT

Junior Subordinated Debenture

3 Months Ended

Mar. 31, 2019

Debt Disclosure [Abstract]

Junior Subordinated Debenture

(10)	*Junior Subordinated Debenture.* On September 30, 2004, the Company issued a $5,155,000 Junior Subordinated Debenture (the “Debenture”) to Optimum Bank Holdings Capital Trust I, a Delaware statutory trust formed by the Company for the purpose of issuing and selling certain securities (the “Trust Preferred Securities”) representing undivided beneficial interests in the Debenture. The trust issued a total of 5,000 Trust Preferred Securities. The Debenture has a term of thirty years. The interest rate was fixed at 6.40% for the first five years, and thereafter, the coupon rate floats quarterly at the three-month LIBOR rate plus 2.45% (5.05% at March 31, 2019). The Debenture is redeemable in certain circumstances. The terms of the Debenture allow the Company to defer payments of interest on the Debenture by extending the interest payment period at any time during the term of the Debenture for up to twenty consecutive quarterly periods.

	Beginning in 2010, the Company exercised its right to defer payment of interest on the Debenture. Interest payments deferred as of March 31, 2019 totaled $1,776,000. The Company has deferred interest payments with respect to the Debenture for the maximum allowable twenty consecutive quarterly payments. The Company is in default under the Debenture due to its failure to make required interest payments. The Trustee for the Debenture and the beneficial owners of the Debenture can accelerate the $5,155,000 principal balance plus accrued and unpaid interest, as a result of this default. To date, neither the Trustee nor the holders have accelerated the outstanding balance of the Debenture. No adjustments to the accompanying condensed consolidated financial statements have been made as a result of this uncertainty. Under the Written Agreement, the Company is not able to make any interest or principal payments without the prior approval of the Federal Reserve Bank of Atlanta.

	In May 2018, a company affiliated with a director of the Company (the “New Holder”) purchased all 5,000 Trust Preferred Securities from a third party. During the third quarter of 2018, the New Holder sold its rights in approximately 694 of the Trust Preferred Securities to several unaffiliated third parties, who subsequently exchanged these Trust Preferred Securities for 301,778 shares of the Company’s common stock. Under the Written Agreement the exchange of Trust Preferred Securities for the Company’s common stock cannot reduce the principal amount of the Debenture collateralizing the Trust Preferred Securities. Accordingly, the transaction was recorded as an increase in the Company’s equity interest in the unconsolidated subsidiary trust, presented in “Other Assets” in the accompanying condensed consolidated balance sheets.

	Although the Company and the New Holder have not executed a formal, definitive bilateral agreement, the New Holder has provided the Company with written representations that the New Holder will not accelerate and demand payment of any of the remaining 4,306 Trust Preferred Securities principal or accrued interest within twelve months from May 14, 2019, the date the Company’s Form 10-Q as of and for the period ended March 31, 2019, was filed with the Securities and Exchange Commission.

XML 29 R18.htm IDEA: XBRL DOCUMENT

General (Policies)

3 Months Ended

Mar. 31, 2019

Accounting Policies [Abstract]

General

General. OptimumBank Holdings, Inc. (the “Company”) is a one-bank holding company and owns 100% of OptimumBank (the “Bank”), a Florida-chartered commercial bank. The Company’s only business is the operation of the Bank and its subsidiaries (collectively, the “Company”). The Bank’s deposits are insured up to applicable limits by the Federal Deposit Insurance Corporation (“FDIC”). The Bank offers a variety of community banking services to individual and corporate customers through its three banking offices located in Broward County, Florida.

Basis of Presentation

Basis of Presentation. In the opinion of management, the accompanying condensed consolidated financial statements of the Company contain all adjustments (consisting principally of normal recurring accruals) necessary to present fairly the financial position at March 31, 2019, and the results of operations and cash flows for the three-month periods ended March 31, 2019 and 2018. All significant intercompany accounts and transactions have been eliminated in consolidation. The results of operations for the three months ended March 31, 2019, are not necessarily indicative of the results to be expected for the full year.

Junior Subordinated Debenture

Junior Subordinated Debenture. The Company is in default with respect to its $5,155,000 Junior Subordinated Debenture (the “Debenture”) due to its failure to make certain required interest payments under the Debenture. The Debenture was issued to OptimumBank Holdings Capital Trust I, a Delaware statutory trust formed by the Company for the purpose of issuing and selling certain securities (the “Trust Preferred Securities”) representing undivided beneficial interests in the Debenture. The trust issued a total of 5,000 Trust Preferred Securities.

The Trustee, Wells Fargo Bank, for the Debenture (the “Trustee”) and the beneficial owners of the Debenture are entitled to accelerate the payment of the $5,155,000 principal balance plus accrued and unpaid interest totaling $1,776,000 at March 31, 2019. To date, neither the Trustee nor the holders have accelerated the outstanding balance of the Debenture. No adjustments to the accompanying condensed consolidated financial statements have been made as a result of this uncertainty.

In May 2018, a company affiliated with a director of the Company (the “New Holder”) purchased all 5,000 Trust Preferred Securities from a third party. During the third quarter of 2018, the New Holder sold its rights in 694 of the Trust Preferred Securities to several unaffiliated third parties, who subsequently exchanged these Trust Preferred Securities for 301,778 shares of the Company’s common stock. Under the Written Agreement the exchange of Trust Preferred Securities for the Company’s common stock cannot reduce the principal amount of the Debenture collateralizing the Trust Preferred Securities. Accordingly the transaction was recorded as an increase in the Company’s equity interest in the unconsolidated subsidiary trust, presented in “Other Assets” in the accompanying condensed consolidated balance sheets.

Comprehensive Loss

Comprehensive Loss. GAAP generally requires that recognized revenue, expenses, gains and losses be included in net loss. 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 condensed consolidated balance sheets, such items along with net loss, are components of comprehensive loss.

Accumulated other comprehensive loss consists of the following (in thousands):

	March 31,			December 31,
	2019			2018

Unrealized loss on securities available for sale	$	(59	)	$	(64	)
Unamortized portion of unrealized loss related to securities available for sale transferred to securities held-to-maturity		(360	)		(377	)
Income tax benefit		106			111

	$	(313	)	$	(330	)

Income Taxes

Income Taxes. The Company assessed its earnings history and trends and estimates of future earnings, and determined that the deferred tax asset could not be realized as of March 31, 2019. Accordingly, a valuation allowance was recorded against the net deferred tax asset.

Recent Pronouncements

- Definition

Disclosure of accounting policy for income taxes, which may include its accounting policies for recognizing and measuring deferred tax assets and liabilities and related valuation allowances, recognizing investment tax credits, operating loss carryforwards, tax credit carryforwards, and other carryforwards, methodologies for determining its effective income tax rate and the characterization of interest and penalties in the financial statements.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 20
-URI http://asc.fasb.org/extlink&oid=84230637&loc=d3e32847-109319

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 954
-SubTopic 740
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6491622&loc=d3e9504-115650

Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=84158767&loc=d3e18780-107790

Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 17
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=84230637&loc=d3e32809-109319

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=116657188&loc=SL116659661-227067

Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 19
-URI http://asc.fasb.org/extlink&oid=84230637&loc=d3e32840-109319

Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 45
-Paragraph 25
-URI http://asc.fasb.org/extlink&oid=116821951&loc=d3e32247-109318

Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 45
-Paragraph 28
-URI http://asc.fasb.org/extlink&oid=116821951&loc=d3e32280-109318

Reference 9: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 30
-Section 05
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=65884525&loc=d3e40913-109327

+ Details

XML 30 R19.htm IDEA: XBRL DOCUMENT

General (Tables)

3 Months Ended

Mar. 31, 2019

Accounting Policies [Abstract]

Schedule of Accumulated Other Comprehensive Loss

Accumulated other comprehensive loss consists of the following (in thousands):

	March 31,			December 31,
	2019			2018

Unrealized loss on securities available for sale	$	(59	)	$	(64	)
Unamortized portion of unrealized loss related to securities available for sale transferred to securities held-to-maturity		(360	)		(377	)
Income tax benefit		106			111

	$	(313	)	$	(330	)

XML 31 R20.htm IDEA: XBRL DOCUMENT

Securities (Tables)

3 Months Ended

Mar. 31, 2019

Investments, Debt and Equity Securities [Abstract]

Schedule of Amortized Cost and Approximate Fair Values of Securities

The carrying amount of securities and approximate fair values are as follows (in thousands):

	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Fair Value

*At March 31, 2019:*
Held-to-Maturity -
Collateralized mortgage obligations	$	6,955	$	111	$	—		$	7,066
Available for Sale -
SBA Pool Securities	$	2,250	$	—	$	(59	)	$	2,191

	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Fair Value

*At December 31, 2018:*
Held-to-Maturity -
Collateralized mortgage obligations	$	7,139	$	40	$	(4	)	$	7,175
Available for Sale -
SBA Pool Securities	$	2,423	$	-	$	(64	)	$	2,359

Schedule of Securities with Gross Unrealized Losses, by Investment Category

	At March 31, 2019
	Over Twelve Months				Less Than Twelve Months
	Gross Unrealized Losses		Fair Value		Gross Unrealized Losses		Fair Value

Available for Sale -
SBA Pool Securities	$	59	$	2,191	$	—	$	—

	At December 31, 2018
	Over Twelve Months				Less Than Twelve Months
	Gross Unrealized Losses		Fair Value		Gross Unrealized Losses		Fair Value

Held-to-Maturity -
Collateralized mortgage obligations	$	4	$	1,361	$	—	$	—
Available for Sale -
SBA Pool Securities	$	24	$	829	$	40	$	1,530

XML 32 R21.htm IDEA: XBRL DOCUMENT

Loans (Tables)

3 Months Ended

Mar. 31, 2019

Receivables [Abstract]

Schedule of Components of Loans

The components of loans are as follows (in thousands):

	At March 31, 2019			At December 31, 2018

Residential real estate	$	26,015		$	27,204
Multi-family real estate		6,455			8,195
Commercial real estate		42,886			36,634
Land and construction		-			1,998
Commercial		4,867			4,997
Consumer		189			260

Total loans		80,412			79,288

Add (deduct):
Net deferred loan fees, costs and premiums		133			155
Allowance for loan losses		(2,047	)		(2,243	)

Loans, net	$	78,498		$	77,200

Schedule of Change in Allowance for Loan Losses

An analysis of the change in the allowance for loan losses follows (in thousands):

	Residential Real Estate			Multi-Family Real Estate			Commercial Real Estate			Land and Construction			Commercial			Consumer			Unallocated			Total
*Three Months Ended March 31, 2019:*

Beginning balance	$	544		$	88		$	567		$	19		$	850		$	25		$	150		$	2,243
(Credit) provision for loan losses		(12	)		(23	)		256			(25	)		(297	)		1			100			—
Charge-offs		—			—			(195	)		—			—			(7	)		—			(202	)
Recoveries		—			—			—			6			—			—			—			6

Ending balance	$	532		$	65		$	628		$	—		$	553		$	19		$	250		$	2,047

*Three Months Ended March 31, 2018:*
Beginning balance	$	641		$	59		$	759		$	22		$	55		$	86		$	2,369		$	3,991
Provision (credit) for loan losses		6			8			(47	)		—			224			(23	)		(168	)		—
Charge-offs		—			—			—			—			—			(9	)		—			(9	)
Recoveries		—			—			—			6			—			5			—			11

Ending balance	$	647		$	67		$	712		$	28		$	279		$	59		$	2,201		$	3,993

	Residential Real Estate		Multi- Family Real Estate		Commercial Real Estate		Land and Construction		Commercial		Consumer		Unallocated		Total
*At March 31, 2019:*
Individually evaluated for impairment:
Recorded investment	$	948	$	—	$	2,457	$	—	$	1,806	$	—	$	—	$	5,211
Balance in allowance for loan losses	$	261	$	—	$	—	$	—	$	523	$	—	$	—	$	784

Collectively evaluated for impairment:
Recorded investment	$	25,067	$	6,455	$	40,429	$	—	$	3,061	$	189	$	—	$	75,201
Balance in allowance for loan losses	$	271	$	65	$	628	$	—	$	30	$	19	$	250	$	1,263

*At December 31, 2018:*
Individually evaluated for impairment:
Recorded investment	$	954	$	—	$	3,861	$	—	$	1,928	$	—	$	—	$	6,743
Balance in allowance for loan losses	$	268	$	—	$	162	$	—	$	814	$	—	$	—	$	1,244

Collectively evaluated for impairment:
Recorded investment	$	26,250	$	8,195	$	32,773	$	1,998	$	3,069	$	260	$	—	$	72,545
Balance in allowance for loan losses	$	276	$	88	$	405	$	19	$	36	$	25	$	150	$	999

Schedule of Loans by Credit Quality

The following summarizes the loan credit quality (in thousands):

	Pass		OLEM (Other Loans Especially Mentioned)		Sub- standard		Doubtful		Loss		Total
*At March 31, 2019:*
Residential real estate	$	25,067	$	—	$	948	$	—	$	—	$	26,015
Multi-family real estate		6,455		—		—		—		—		6,455
Commercial real estate		38,699		1,730		2,457		—		—		42,886
Land and construction		—		—		—		—		—		—
Commercial		2,355		706		1,806		—		—		4,867
Consumer		189		—		—		—		—		189

Total	$	72,765	$	2,436	$	5,211	$	—	$	—	$	80,412

*At December 31, 2018:*
Residential real estate	$	26,250	$	—	$	954	$	—	$	—	$	27,204
Multi-family real estate		8,195		—		—		—		—		8,195
Commercial real estate		31,050		1,723		3,861		—		—		36,634
Land and construction		1,998		—		—		—		—		1,998
Commercial		2,362		707		1,928		—		—		4,997
Consumer		260		—		—		—		—		260

Total	$	70,115	$	2,430	$	6,743	$	—	$	—	$	79,288

Schedule of Age Analysis of Past-due Loans

Age analysis of past-due loans is as follows (in thousands):

	Accruing Loans
	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days Past Due		Total Past Due		Current		Nonaccrual Loans		Total Loans
*At March 31, 2019:*
Residential real estate	$	-	$	-	$	-	$	-	$	26,015	$	—	$	26,015
Multi-family real estate		-		-		-		-		6,455		—		6,455
Commercial real estate		-		-		-		-		42,886		—		42,886
Land and construction		-		-		-		-		-		—		-
Commercial		-		-		-		-		4,867		—		4,867
Consumer		-		-		-		-		189		—		189

Total	$	-	$	-	$	-	$	-	$	80,412	$	—	$	80,412

	Accruing Loans
		30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days Past Due		Total Past Due		Current		Nonaccrual Loans		Total Loans
*At December 31, 2018:*
Residential real estate		$	—	$	—	$	—	$	—	$	27,204	$	—	$	27,204
Multi-family real estate			—		—		—		—		8,195		—		8,195
Commercial real estate			—		—		—		—		35,254		1,380		36,634
Land and construction			—		—		—		—		1,998		—		1,998
Commercial			—		—		—		—		4,997		—		4,997
Consumer			—		—		—		—		260		—		260

Total		$	—	$	—	$	—	$	—	$	77,908	$	1,380	$	79,288

Schedule of Impaired Loans

The following summarizes the amount of impaired loans (in thousands):

	At March 31, 2019						At December 31, 2018
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance recorded:
Commercial real estate	$	2,457	$	2,457	$	—	$	2,259	$	2,259	$	—
Commercial		994		994		—		1,114		1,114		—
With related allowance recorded:
Residential real estate		948		948		261		954		954		268
Commercial real estate		—		—		—		1,602		1,602		162
Commercial		812		812		523		814		814		814
Total:
Residential real estate	$	948	$	948	$	261	$	954	$	954	$	268
Commercial real estate	$	2,457	$	2,457	$	—	$	3,861	$	3,861	$	162
Commercial	$	1,806	$	1,806	$	523	$	1,928	$	1,928	$	814
Total	$	5,211	$	5,211	$	784	$	6,743	$	6,743	$	1,244

Schedule of Interest Income Recognized and Received on Impaired Loans

The average net investment in impaired loans and interest income recognized and received on impaired loans are as follows (in thousands):

	Three Months Ended						Three Months Ended
	March 31, 2019						March 31, 2018
	Average Recorded Investment		Interest Income Recognized		Interest Income Received		Average Recorded Investment		Interest Income Recognized		Interest Income Received

Residential real estate	$	951		18		18	$	696	$	19	$	19
Commercial real estate	$	3,506		29		38	$	702	$	12	$	13
Commercial	$	1,860		24		28	$	537	$	17	$	17

Total	$	6,317		71		84	$	1,935	$	48	$	49

XML 33 R22.htm IDEA: XBRL DOCUMENT

Loss Per Share (Tables)

3 Months Ended

Mar. 31, 2019

Loss Per Share Tables Abstract

Schedule of Weighted Average Number of Common Shares Outstanding

In 2019 and 2018, basic and diluted loss per share is the same due to the net loss incurred by the Company. Loss per common share have been computed based on the following:

	Three Months Ended March 31,
	2019		2018
Weighted-average number of common shares outstanding used to calculate basic and diluted loss per common share		1,858,020		1,173,018

XML 34 R23.htm IDEA: XBRL DOCUMENT

Fair Value Measurements (Tables)

3 Months Ended

Mar. 31, 2019

Fair Value Disclosures [Abstract]

Schedule of Assets Measured On Nonrecurring Basis

Those impaired collateral-dependent loans which are measured at fair value on a nonrecurring basis are as follows (in thousands):

Fair

Value

Level 1

Level 2

Level 3

Total

Losses

Recorded in

Operations For the three months ended

March 31, 2019

At March 31, 2019:

Residential real estate

687

—

687

261

—

	Fair Value		Level 1		Level 2		Level 3		Total Losses		Losses Recorded in Operations For the three monthsended December 31, 2018
*At December 31, 2018:*
Residential real estate	$	686	$	—	$	—	$	686	$	268	$	—
Commercial real estate		1,312		—		—		1,312		71		—
	$	1,998		—		—		1,998		339		—

Schedule of Available-for-Sale Securities Measured at Fair Value on Recurring Basis

Available-for-sale securities measured at fair value on a recurring basis are summarized below (in thousands):

	Fair Value Measurements Using
	Fair Value		Quoted Prices In Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)

*At March 31, 2019:*
SBA Pool Securities	$	2,191	$	—	$	2,191	$	—

*At December 31, 2018:*
SBA Pool Securities	$	2,359	$	—	$	2,359	$	—

XML 35 R24.htm IDEA: XBRL DOCUMENT

Fair Value of Financial Instruments (Tables)

3 Months Ended

Mar. 31, 2019

Investments, All Other Investments [Abstract]

Schedule of Estimated Fair Value of Financial Instruments

The estimated fair values and fair value measurement method with respect to the Company’s financial instruments were as follows (in thousands):

	At March 31, 2019						At December 31, 2018
	Carrying Amount		Fair Value			Level	Carrying Amount		Fair Value			Level
Financial assets:
Cash and cash equivalents	$	13,559	$	13,559		1	$	7,983	$	7,983		1
Securities available for sale		2,191		2,191		2		2,359		2,359		2
Securities held-to-maturity		6,955		7,066		2		7,139		7,175		2
Loans		78,498		78,196		3		77,200		77,062		3
Federal Home Loan Bank stock		642		642		3		1,132		1,132		3
Accrued interest receivable		324		324		3		314		314		3

Financial liabilities:
Deposit liabilities		80,824		80,744		3		62,378		62,243		3
Federal Home Loan Bank advances		13,000		12,951		3		24,600		24,437		3
Junior subordinated debenture		5,155		N/A	⁽¹⁾	3		5,155		N/A	⁽¹⁾	3
Federal funds purchased		—		—		3		560		560		3
Off-balance sheet financial instruments		—		—		3		—		—		3

(1)	The Company is unable to determine value based on significant unobservable inputs required in the calculation. Refer to Note 10 for further information.

XML 36 R25.htm IDEA: XBRL DOCUMENT

Off- Balance Sheet Financial Instruments (Tables)

3 Months Ended

Mar. 31, 2019

Notes to Financial Statements

Schedule of Off-Balance Sheet Risks of Financial Instruments

A summary of the contractual amounts of the Company’s financial instruments with off-balance-sheet risk at March 31, 2019 follows (in thousands):

Commitments to extend credit	$	550

Unused lines of credit	$	2,896

Standby letters of credit	$	-

XML 37 R26.htm IDEA: XBRL DOCUMENT

Regulatory Matters (Tables)

3 Months Ended

Mar. 31, 2019

Banking and Thrift [Abstract]

Schedule of Capital Amounts, Ratios and Regulatory Thresholds

The following table shows the Bank’s capital amounts and ratios and regulatory thresholds at March 31, 2019 and December 31, 2018 (dollars in thousands):

	Actual					For Capital Adequacy Purposes					Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		%			Amount		%			Amount		%
As of March 31, 2019:
Total Capital to Risk-Weighted Assets	$	12,180		15.52	%	$	6,276		8.00	%	$	7,846		10.00	%
Tier I Capital to Risk-Weighted Assets		11,186		14.26			4,707		6.00			6,276		8.00
Common equity Tier I capital to Risk-Weighted Assets		11,186		14.26			3,531		4.50			5,100		6.50
Tier I Capital to Total Assets		11,186		10.86			4,119		4.00			5,149		5.00

As of December 31, 2018:
Total Capital to Risk-Weighted Assets	$	12,155		15.86	%	$	6,132		8.00	%	$	7,665		10.00	%
Tier I Capital to Risk-Weighted Assets		11,181		14.59			4,599		6.00			6,132		8.00
Common equity Tier I capital to Risk-Weighted Assets		11,181		14.59			3,449		4.50			4,983		6.50
Tier I Capital to Total Assets		11,181		11.68			3,828		4.00			4,785		5.00

XML 38 R27.htm IDEA: XBRL DOCUMENT

General (Details Narrative) - USD ($) $ in Thousands	1 Months Ended	3 Months Ended
General (Details Narrative) - USD ($) $ in Thousands	May 31, 2018	Mar. 31, 2019	Sep. 30, 2018
Ownership percentage		100.00%
Junior subordinated debenture		$ 5,155
Number of trust preferred securities issued		5,000
Debt instrument periodic payment, principal		$ 5,155
Accrued and unpaid interest payable		$ 1,776
Operating lease, term of contract		5 years
Right of use asset		$ 259
Lease liability		$ 264
Percentage of discount rate		2.60%
Accounting Standards Update 2016-02 [Member]
Increase in assets due to effect on ASU		$ 277
Increase in liabilities due to effect on ASU		$ 281
OptimumBank Holdings Capital Trust I [Member]
Number of trust preferred securities issued		5,000
Remaining trust preferred securities		4,306
New Holder [Member]
Trust preferred securities repurchased	5,000
New Holder [Member] \| Several Unaffiliated Third Parties [Member]
Number of trust preferred securities issued			694
Conversion of stock, shares converted			301,778

XML 39 R28.htm IDEA: XBRL DOCUMENT

General - Schedule of Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Accounting Policies [Abstract]
Unrealized loss on securities available for sale	$ (59)		$ (64)
Unamortized portion of unrealized loss related to securities available for sale transferred to securities held-to-maturity	(360)		(377)
Income tax benefit	(52)		111
Accumulated other comprehensive loss	$ (313)		$ (330)

XML 40 R29.htm IDEA: XBRL DOCUMENT

Securities (Details Narrative) $ in Thousands	3 Months Ended	12 Months Ended
Securities (Details Narrative) $ in Thousands	Mar. 31, 2019 USD ($)	Dec. 31, 2018 USD ($) Number	Apr. 30, 2018 USD ($) Number	Mar. 31, 2018 USD ($) Number	Mar. 31, 2017 USD ($)
Investments, Debt and Equity Securities [Abstract]
Held to maturity securities	$ 6,955	$ 7,139	$ 7,945
Available for sale securities
Investment securities in unrealized loss position \| Number		7	432	7
Amortization expenses	$ 72	$ 55

XML 41 R30.htm IDEA: XBRL DOCUMENT

Securities - Schedule of Amortized Cost and Approximate Fair Values of Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Available for sale, fair value	$ 2,191	$ 2,359
Collateralized Mortgage Obligations [Member]
Held-to-maturity, amortized cost	6,995	7,139
Held-to-maturity, gross unrealized gains	111	40
Held-to-maturity, gross unrealized losses		(4)
Held-to-maturity, fair value	7,066	7,175
SBA Pool Securities [Member]
Available for sale, amortized cost	2,250	2,423
Available for sale, gross unrealized gains
Available for sale, gross unrealized losses	(59)	(64)
Available for sale, fair value	$ 2,191	$ 2,359

XML 42 R31.htm IDEA: XBRL DOCUMENT

Securities - Schedule of Securities with Gross Unrealized Losses, by Investment Category (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
SBA Pool Securities [Member]
Available for Sale, Securities Position Over 12 Months, Gross unrealized Losses	$ 59	$ 24
Available for Sale, Securities Position Over 12 Months, Fair Value	2,191	829
Available for Sale, Securities Position Less than 12 Month, Gross unrealized Losses		40
Available for Sale, Securities Position Less than 12 Month, Fair Value		1,530
Collateralized Mortgage Obligations [Member]
Held to Maturity, Securities Position Over 12 Months, Gross Unrealized Losses		4
Held to Maturity, Securities Position Over 12 Months,Fair Value		1,361
Held to Maturity, Securities Position Less Than 12 Months, Gross Unrealized Losses
Held to Maturity, Securities Position Less Than 12 Months, Fair Value

XML 43 R32.htm IDEA: XBRL DOCUMENT

Loans - Schedule of Components of Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017	Jan. 06, 2016
Total loans	$ 80,412	$ 79,288
Net deferred loan fees, costs and premiums	133	155
Allowance for loan losses	(2,047)	(2,243)	$ (3,993)	$ (3,991)	$ (4,200)
Loans, net	78,498	77,200
Residential Real Estate [Member]
Total loans	26,015	27,204
Allowance for loan losses	(532)	(544)	(647)	(641)
Multi-Family Real Estate [Member]
Total loans	6,455	8,195
Allowance for loan losses	(65)	(88)	(67)	(59)
Commercial Real Estate [Member]
Total loans	42,886	36,634
Allowance for loan losses	(628)	(567)	(712)	(759)
Land and Construction [Member]
Total loans		1,998
Allowance for loan losses		(19)	(28)	(22)
Commercial [Member]
Total loans	4,867	4,997
Allowance for loan losses	(553)	(850)	(279)	(55)
Consumer [Member]
Total loans	189	260
Allowance for loan losses	$ (19)	$ (25)	$ (59)	$ (86)

XML 44 R33.htm IDEA: XBRL DOCUMENT

Loans - Schedule of Change in Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Beginning balance	$ 2,243	$ 3,991
(Credit) provision for loan losses
Charge-offs	(202)	(9)
Recoveries	6	11
Ending balance	2,047	3,993
Individually evaluated for impairment, Recorded investment	5,211		$ 6,743
Individually evaluated for impairment, Allowance for loan losses	784		1,244
Collectively evaluated for impairment, Recorded investment	75,201		72,545
Collectively evaluated for impairment, Allowance for loan losses	1,263		999
Residential Real Estate [Member]
Beginning balance	544	641
(Credit) provision for loan losses	(12)	6
Charge-offs
Recoveries
Ending balance	532	647
Individually evaluated for impairment, Recorded investment	948		954
Individually evaluated for impairment, Allowance for loan losses	261		268
Collectively evaluated for impairment, Recorded investment	25,067		26,250
Collectively evaluated for impairment, Allowance for loan losses	271		276
Multi-Family Real Estate [Member]
Beginning balance	88	59
(Credit) provision for loan losses	(23)	8
Charge-offs
Recoveries
Ending balance	65	67
Individually evaluated for impairment, Recorded investment
Individually evaluated for impairment, Allowance for loan losses
Collectively evaluated for impairment, Recorded investment	6,455		8,195
Collectively evaluated for impairment, Allowance for loan losses	65		88
Commercial Real Estate [Member]
Beginning balance	567	759
(Credit) provision for loan losses	256	(47)
Charge-offs	(195)
Recoveries
Ending balance	628	712
Individually evaluated for impairment, Recorded investment	2,457		3,861
Individually evaluated for impairment, Allowance for loan losses			162
Collectively evaluated for impairment, Recorded investment	40,429		32,773
Collectively evaluated for impairment, Allowance for loan losses	628		405
Land and Construction [Member]
Beginning balance	19	22
(Credit) provision for loan losses	(25)
Charge-offs
Recoveries	6	6
Ending balance		28
Individually evaluated for impairment, Recorded investment
Individually evaluated for impairment, Allowance for loan losses
Collectively evaluated for impairment, Recorded investment			1,998
Collectively evaluated for impairment, Allowance for loan losses			19
Commercial [Member]
Beginning balance	850	55
(Credit) provision for loan losses	(297)	224
Charge-offs
Recoveries
Ending balance	553	279
Individually evaluated for impairment, Recorded investment	1,806		1,928
Individually evaluated for impairment, Allowance for loan losses	523		814
Collectively evaluated for impairment, Recorded investment	3,061		3,069
Collectively evaluated for impairment, Allowance for loan losses	30		36
Consumer [Member]
Beginning balance	25	86
(Credit) provision for loan losses	1	(23)
Charge-offs	(7)	(9)
Recoveries		5
Ending balance	19	59
Individually evaluated for impairment, Recorded investment
Individually evaluated for impairment, Allowance for loan losses
Collectively evaluated for impairment, Recorded investment	189		260
Collectively evaluated for impairment, Allowance for loan losses	19		25
Unallocated [Member]
Beginning balance	150	2,369
(Credit) provision for loan losses	100	(168)
Charge-offs
Recoveries
Ending balance	250	$ 2,201
Individually evaluated for impairment, Recorded investment
Individually evaluated for impairment, Allowance for loan losses
Collectively evaluated for impairment, Recorded investment
Collectively evaluated for impairment, Allowance for loan losses	$ 250		$ 150

XML 45 R34.htm IDEA: XBRL DOCUMENT

Loans - Schedule of Loans by Credit Quality (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Risk rated loans	$ 80,412	$ 79,288
Pass [Member]
Risk rated loans	72,765	70,115
OLEM (Other Loans Especially Mentioned) [Member]
Risk rated loans	2,436	2,430
Sub-standard [Member]
Risk rated loans	5,211	6,743
Doubtful [Member]
Risk rated loans
Loss [Member]
Risk rated loans
Residential Real Estate [Member]
Risk rated loans	26,015	27,204
Residential Real Estate [Member] \| Pass [Member]
Risk rated loans	25,067	26,250
Residential Real Estate [Member] \| OLEM (Other Loans Especially Mentioned) [Member]
Risk rated loans
Residential Real Estate [Member] \| Sub-standard [Member]
Risk rated loans	948	954
Residential Real Estate [Member] \| Doubtful [Member]
Risk rated loans
Residential Real Estate [Member] \| Loss [Member]
Risk rated loans
Multi-Family Real Estate [Member]
Risk rated loans	6,455	8,195
Multi-Family Real Estate [Member] \| Pass [Member]
Risk rated loans	6,455	8,195
Multi-Family Real Estate [Member] \| OLEM (Other Loans Especially Mentioned) [Member]
Risk rated loans
Multi-Family Real Estate [Member] \| Sub-standard [Member]
Risk rated loans
Multi-Family Real Estate [Member] \| Doubtful [Member]
Risk rated loans
Multi-Family Real Estate [Member] \| Loss [Member]
Risk rated loans
Commercial Real Estate [Member]
Risk rated loans	42,886	36,634
Commercial Real Estate [Member] \| Pass [Member]
Risk rated loans	38,699	31,050
Commercial Real Estate [Member] \| OLEM (Other Loans Especially Mentioned) [Member]
Risk rated loans	1,730	1,723
Commercial Real Estate [Member] \| Sub-standard [Member]
Risk rated loans	2,457	3,861
Commercial Real Estate [Member] \| Doubtful [Member]
Risk rated loans
Commercial Real Estate [Member] \| Loss [Member]
Risk rated loans
Land and Construction [Member]
Risk rated loans		1,998
Land and Construction [Member] \| Pass [Member]
Risk rated loans		1,998
Land and Construction [Member] \| OLEM (Other Loans Especially Mentioned) [Member]
Risk rated loans
Land and Construction [Member] \| Sub-standard [Member]
Risk rated loans
Land and Construction [Member] \| Doubtful [Member]
Risk rated loans
Land and Construction [Member] \| Loss [Member]
Risk rated loans
Commercial [Member]
Risk rated loans	4,867	4,997
Commercial [Member] \| Pass [Member]
Risk rated loans	2,355	2,362
Commercial [Member] \| OLEM (Other Loans Especially Mentioned) [Member]
Risk rated loans	706	707
Commercial [Member] \| Sub-standard [Member]
Risk rated loans	1,806	1,928
Commercial [Member] \| Doubtful [Member]
Risk rated loans
Commercial [Member] \| Loss [Member]
Risk rated loans
Consumer [Member]
Risk rated loans	189	260
Consumer [Member] \| Pass [Member]
Risk rated loans	189	260
Consumer [Member] \| OLEM (Other Loans Especially Mentioned) [Member]
Risk rated loans
Consumer [Member] \| Sub-standard [Member]
Risk rated loans
Consumer [Member] \| Doubtful [Member]
Risk rated loans
Consumer [Member] \| Loss [Member]
Risk rated loans

XML 46 R35.htm IDEA: XBRL DOCUMENT

Loans - Schedule of Age Analysis of Past-due Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Total Past Due
Current Loans	80,412	77,908
Nonaccrual Loans		1,380
Total Loans	80,412	79,288
Financing Receivables, 30 to 59 Days Past Due [Member]
Total Past Due
Financing Receivables, 60 to 89 Days Past Due [Member]
Total Past Due
Financing Receivables, Greater Than 90 Days Past Due [Member]
Total Past Due
Residential Real Estate [Member]
Total Past Due
Current Loans	26,015	27,204
Nonaccrual Loans
Total Loans	26,015	27,204
Residential Real Estate [Member] \| Financing Receivables, 30 to 59 Days Past Due [Member]
Total Past Due
Residential Real Estate [Member] \| Financing Receivables, 60 to 89 Days Past Due [Member]
Total Past Due
Residential Real Estate [Member] \| Financing Receivables, Greater Than 90 Days Past Due [Member]
Total Past Due
Multi-Family Real Estate [Member]
Total Past Due
Current Loans	6,455	8,195
Nonaccrual Loans
Total Loans	6,455	8,195
Multi-Family Real Estate [Member] \| Financing Receivables, 30 to 59 Days Past Due [Member]
Total Past Due
Multi-Family Real Estate [Member] \| Financing Receivables, 60 to 89 Days Past Due [Member]
Total Past Due
Multi-Family Real Estate [Member] \| Financing Receivables, Greater Than 90 Days Past Due [Member]
Total Past Due
Commercial Real Estate [Member]
Total Past Due
Current Loans	42,886	35,254
Nonaccrual Loans		1,380
Total Loans	42,886	36,634
Commercial Real Estate [Member] \| Financing Receivables, 30 to 59 Days Past Due [Member]
Total Past Due
Commercial Real Estate [Member] \| Financing Receivables, 60 to 89 Days Past Due [Member]
Total Past Due
Commercial Real Estate [Member] \| Financing Receivables, Greater Than 90 Days Past Due [Member]
Total Past Due
Land and Construction [Member]
Total Past Due
Current Loans		1,998
Nonaccrual Loans
Total Loans		1,998
Land and Construction [Member] \| Financing Receivables, 30 to 59 Days Past Due [Member]
Total Past Due
Land and Construction [Member] \| Financing Receivables, 60 to 89 Days Past Due [Member]
Total Past Due
Land and Construction [Member] \| Financing Receivables, Greater Than 90 Days Past Due [Member]
Total Past Due
Commercial [Member]
Total Past Due
Current Loans	4,867	4,997
Nonaccrual Loans
Total Loans	4,867	4,997
Commercial [Member] \| Financing Receivables, 30 to 59 Days Past Due [Member]
Total Past Due
Commercial [Member] \| Financing Receivables, 60 to 89 Days Past Due [Member]
Total Past Due
Commercial [Member] \| Financing Receivables, Greater Than 90 Days Past Due [Member]
Total Past Due
Consumer [Member]
Total Past Due
Current Loans	189	260
Nonaccrual Loans
Total Loans	189	260
Consumer [Member] \| Financing Receivables, 30 to 59 Days Past Due [Member]
Total Past Due
Consumer [Member] \| Financing Receivables, 60 to 89 Days Past Due [Member]
Total Past Due
Consumer [Member] \| Financing Receivables, Greater Than 90 Days Past Due [Member]
Total Past Due

XML 47 R36.htm IDEA: XBRL DOCUMENT

Loans - Schedule of Impaired Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Total: recorded investment	$ 5,211	$ 6,743
Total: unpaid principal balance	5,211	6,743
Total: related allowance	784	1,244
Residential Real Estate [Member]
Recorded Investment , With related allowance recorded	948	954
Unpaid Principal Balance, With related allowance recorded	948	954
Related Allowance, With related allowance recorded	261	268
Total: recorded investment	948	954
Total: unpaid principal balance	948	954
Total: related allowance	261	268
Commercial Real Estate [Member]
Recorded Investment , With no related allowance recorded	2,457	2,259
Unpaid Principal Balance, With no related allowance recorded	2,457	2,259
Related Allowance, With no related allowance recorded
Recorded Investment , With related allowance recorded		1,602
Unpaid Principal Balance, With related allowance recorded		1,602
Related Allowance, With related allowance recorded		162
Total: recorded investment	2,457	3,861
Total: unpaid principal balance	2,457	3,861
Total: related allowance		162
Commercial [Member]
Recorded Investment , With no related allowance recorded	994	1,114
Unpaid Principal Balance, With no related allowance recorded	994	1,114
Related Allowance, With no related allowance recorded
Recorded Investment , With related allowance recorded	812	814
Unpaid Principal Balance, With related allowance recorded	812	814
Related Allowance, With related allowance recorded	523	814
Total: recorded investment	1,806	1,928
Total: unpaid principal balance	1,806	1,928
Total: related allowance	$ 523	$ 814

XML 48 R37.htm IDEA: XBRL DOCUMENT

Loans - Schedule of Interest Income Recognized and Received on Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Impaired loans - Average Recorded Investment	$ 6,317	$ 1,935
Impaired loans - Interest Income Recognized	71	48
Impaired loans - Interest Income Received	84	49
Residential Real Estate [Member]
Impaired loans - Average Recorded Investment	951	696
Impaired loans - Interest Income Recognized	18	19
Impaired loans - Interest Income Received	18	19
Commercial Real Estate [Member]
Impaired loans - Average Recorded Investment	3,506	702
Impaired loans - Interest Income Recognized	29	12
Impaired loans - Interest Income Received	38	13
Commercial [Member]
Impaired loans - Average Recorded Investment	1,860	537
Impaired loans - Interest Income Recognized	24	17
Impaired loans - Interest Income Received	$ 28	$ 17

XML 49 R38.htm IDEA: XBRL DOCUMENT

Loss Per Share - Schedule of Weighted Average Number of Common Shares Outstanding (Details) - shares	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Earnings Per Share [Abstract]
Weighted-average number of common shares outstanding used to calculate basic and diluted loss per common share	1,858,020	1,173,018

XML 50 R39.htm IDEA: XBRL DOCUMENT

Stock-Based Compensation (Details Narrative) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2019	Dec. 31, 2017	Dec. 31, 2018	Dec. 31, 2016
Share-based compensation shares issued	36,101
Accrued compensation expense		$ 200	$ 200	$ 200
Director [Member]
Share-based compensation shares issued		2,821
Slae of common stock	20,814
Conversion of stock issued during period	79,186
Convertible preferred stock, shares issued upon conversion	7
Accrued compensation expense		$ 8,858
Shares issued price per share		$ 3.14
2011 Equity Incentive Plan [Member]
Share-based compensation number of shares authorized	210,000
Share-based compensation shares issued	208,881
Share-based compensation remain available for grant	1,119
2018 Equity Incentive Plan [Member]
Share-based compensation number of shares authorized	250,000
Share-based compensation shares issued	100,000
Share-based compensation remain available for grant	150,000
Common stock issued as compensation to directors for services, shares	105,820

XML 51 R40.htm IDEA: XBRL DOCUMENT

Fair Value Measurements (Details Narrative) - shares	3 Months Ended
Fair Value Measurements (Details Narrative) - shares	Mar. 31, 2019	Mar. 31, 2018
Quoted Prices In Active Markets for Identical Assets (Level 1) [Member]
Securities wear transferred in or out
Significant Other Observable Inputs (Level 2) [Member]
Securities wear transferred in or out
Significant Unobservable Inputs (Level 3) [Member]
Securities wear transferred in or out

XML 52 R41.htm IDEA: XBRL DOCUMENT

Fair Value Measurements - Schedule of Assets Measured on Nonrecurring Basis (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Dec. 31, 2018
Significant Unobservable Inputs (Level 3) [Member]
Loans receivable, fair value		$ 77,062
Fair Value Measurements Nonrecurring [Member]
Loans receivable, fair value		339
Losses recorded in operations during the period
Fair Value Measurements Nonrecurring [Member] \| Fair Value [Member]
Loans receivable, fair value		1,998
Fair Value Measurements Nonrecurring [Member] \| Quoted Prices In Active Markets for Identical Assets (Level 1) [Member]
Loans receivable, fair value
Fair Value Measurements Nonrecurring [Member] \| Significant Other Observable Inputs (Level 2) [Member]
Loans receivable, fair value
Fair Value Measurements Nonrecurring [Member] \| Significant Unobservable Inputs (Level 3) [Member]
Loans receivable, fair value		1,998
Fair Value Measurements Nonrecurring [Member] \| Residential Real Estate [Member]
Loans receivable, fair value	261	268
Losses recorded in operations during the period
Fair Value Measurements Nonrecurring [Member] \| Residential Real Estate [Member] \| Fair Value [Member]
Loans receivable, fair value	687	686
Fair Value Measurements Nonrecurring [Member] \| Residential Real Estate [Member] \| Quoted Prices In Active Markets for Identical Assets (Level 1) [Member]
Loans receivable, fair value
Fair Value Measurements Nonrecurring [Member] \| Residential Real Estate [Member] \| Significant Other Observable Inputs (Level 2) [Member]
Loans receivable, fair value
Fair Value Measurements Nonrecurring [Member] \| Residential Real Estate [Member] \| Significant Unobservable Inputs (Level 3) [Member]
Loans receivable, fair value	$ 687	686
Fair Value Measurements Nonrecurring [Member] \| Commercial [Member] \| Fair Value [Member]
Loans receivable, fair value		1,312
Fair Value Measurements Nonrecurring [Member] \| Commercial Real Estate [Member]
Loans receivable, fair value		71
Losses recorded in operations during the period
Fair Value Measurements Nonrecurring [Member] \| Commercial Real Estate [Member] \| Quoted Prices In Active Markets for Identical Assets (Level 1) [Member]
Loans receivable, fair value
Fair Value Measurements Nonrecurring [Member] \| Commercial Real Estate [Member] \| Significant Other Observable Inputs (Level 2) [Member]
Loans receivable, fair value
Fair Value Measurements Nonrecurring [Member] \| Commercial Real Estate [Member] \| Significant Unobservable Inputs (Level 3) [Member]
Loans receivable, fair value		$ 1,312

XML 53 R42.htm IDEA: XBRL DOCUMENT

Fair Value Measurements - Schedule of Available-for-Sale Securities Measured at Fair Value on Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Available-for-sale securities	$ 2,191	$ 2,359
SBA Pool Securities [Member]
Available-for-sale securities	2,191	2,359
Significant Other Observable Inputs (Level 2) [Member]
Available-for-sale securities	2,191	2,359
Fair Value, Measurements, Recurring [Member] \| Fair Value [Member] \| SBA Pool Securities [Member]
Available-for-sale securities	2,191	2,359
Fair Value, Measurements, Recurring [Member] \| Quoted Prices In Active Markets for Identical Assets (Level 1) [Member] \| SBA Pool Securities [Member]
Available-for-sale securities
Fair Value, Measurements, Recurring [Member] \| Significant Other Observable Inputs (Level 2) [Member] \| SBA Pool Securities [Member]
Available-for-sale securities	2,191	2,359
Fair Value, Measurements, Recurring [Member] \| Significant Unobservable Inputs (Level 3) [Member] \| SBA Pool Securities [Member]
Available-for-sale securities

XML 54 R43.htm IDEA: XBRL DOCUMENT

Fair Value of Financial Instruments - Schedule of Estimated Fair Value of Financial Instruments (Details) - USD ($)
$ in Thousands

Mar. 31, 2019

Dec. 31, 2018

Apr. 30, 2018

Securities available for sale

$ 2,191

$ 2,359

Securities held-to-maturity

6,955

7,139

$ 7,945

Accrued interest receivable

324

314

Federal funds purchased

560

Quoted Prices In Active Markets for Identical Assets (Level 1) [Member]

Cash and cash equivalents

13,559

7,983

Significant Other Observable Inputs (Level 2) [Member]

Securities available for sale

2,191

2,359

Securities held-to-maturity

7,139

Significant Unobservable Inputs (Level 3) [Member]

Loans

77,062

Federal Home Loan Bank stock

642

11,329

Accrued interest receivable

324

314

Deposit liabilities

62,243

Federal Home Loan Bank advances

24,437

Junior subordinated debenture

Federal funds purchased

560

Off-balance sheet financial instruments

Carrying Amount [Member]

Cash and cash equivalents

13,559

7,983

Securities available for sale

2,191

2,359

Securities held-to-maturity

6,955

7,139

Loans

78,498

77,200

Federal Home Loan Bank stock

642

1,132

Accrued interest receivable

324

314

Deposit liabilities

80,824

62,378

Federal Home Loan Bank advances

13,000

24,600

Junior subordinated debenture

5,155

Federal funds purchased

560

Off-balance sheet financial instruments

Fair Value [Member]

Cash and cash equivalents

13,559

7,983

Securities available for sale

2,191

2,359

Securities held-to-maturity

7,066

7,175

Loans

78,196

77,062

Federal Home Loan Bank stock

642

1,132

Accrued interest receivable

324

314

Deposit liabilities

80,744

62,243

Federal Home Loan Bank advances

12,951

24,437

Junior subordinated debenture

^[1]

Federal funds purchased

560

Off-balance sheet financial instruments

[1]	The Company is unable to determine value based on significant unobservable inputs required in the calculation. Refer to Note 10 for further information.

XML 55 R44.htm IDEA: XBRL DOCUMENT

Off- Balance Sheet Financial Instruments - Schedule of Off-Balance Sheet Risks of Financial Instruments (Details) $ in Thousands	Mar. 31, 2019 USD ($)
Investments, All Other Investments [Abstract]
Commitments to extend credit	$ 550
Unused lines of credit	2,896
Standby letters of credit

XML 56 R45.htm IDEA: XBRL DOCUMENT

Regulatory Matters (Details Narrative)	Mar. 31, 2019
Banking and Thrift [Abstract]
Minimum requirement of capital conservation buffer, ratio	2.50%

XML 57 R46.htm IDEA: XBRL DOCUMENT

Regulatory Matters - Schedule of Capital Amounts, Ratios and Regulatory Thresholds (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Banking and Thrift [Abstract]
Total Capital to Risk-Weighted Assets	$ 12,180	$ 12,155
Total Capital to Risk-Weighted Assets ratio	15.52%	15.86%
Tier I Capital to Risk-Weighted Assets	$ 11,186	$ 11,181
Tier I Capital to Risk-Weighted Assets ratio	14.26%	14.59%
Common equity Tier 1 capital to Risk-Weighted Assets	$ 11,186	$ 11,181
Common equity Tier 1 capital to Risk-Weighted Assets, ratio	14.26%	14.59%
Tier I Capital to Total Assets	$ 11,186	$ 11,181
Tier I Capital to Total Assets ratio	10.86%	11.68%
Minimum amount of capital for adequacy purposes	$ 6,276	$ 6,132
Minimum amount of capital for adequacy purposes, ratio	8.00%	8.00%
Minimum amount of Tier 1 Capital for adequacy purposes	$ 4,707	$ 4,599
Minimum amount of Tier 1 Capital for adequacy purposes, ratio	6.00%	6.00%
Common equity Tier 1 capital to Risk-Weighted Assets for adequacy purposes	$ 3,531	$ 3,449
Common equity Tier 1 capital to Risk-Weighted Assets for adequacy purposes, ratio	4.50%	4.50%
Minimum amount of Tier 1 Capital for adequacy purposes	$ 4,119	$ 3,828
Minimum amount of Tier 1 Capital for adequacy purposes, ratio	4.00%	4.00%
Minimum Capital required to be well-capitalized	$ 7,846	$ 7,665
Minimum Capital required to be well-capitalized, ratio	10.00%	10.00%
Minimum Tier 1 Capital required to be well-capitalized	$ 6,276	$ 6,132
Minimum Tier 1 Capital required to be well-capitalized, ratio	8.00%	8.00%
Common equity Tier I capital to Risk-Weighted Assets to be well-capitalized	$ 5,100	$ 4,983
Common equity Tier I capital to Risk-Weighted Assets to be well-capitalized, ratio	6.50%	6.50%
Minimum Capital required to be well-capitalized	$ 5,149	$ 4,785
Minimum Capital required to be well-capitalized, ratio	5.00%	5.00%

XML 58 R47.htm IDEA: XBRL DOCUMENT

Junior Subordinated Debenture (Details Narrative) - USD ($) $ in Thousands		1 Months Ended	3 Months Ended
	Sep. 30, 2004	May 31, 2018	Mar. 31, 2019	Sep. 30, 2018
Junior subordinated debenture principal plus accrued and unpaid interest amount	$ 5,155
Number of trust preferred securities issued			5,000
Debenture term	30 years
Debt instrument interest rate stated	6.40%
Debt interest rate terms	The interest rate was fixed at 6.40% for the first five years, and thereafter, the coupon rate floats quarterly at the three-month LIBOR rate plus 2.45% (5.05% at March 31, 2019).
Deferred interest payments on debenture			$ 1,776
OptimumBank Holdings Capital Trust I [Member]
Number of trust preferred securities issued			5,000
Remaining trust preferred securities			4,306
New Holder [Member]
Trust preferred securities repurchased		5,000
New Holder [Member] \| Several Unaffiliated Third Parties [Member]
Number of trust preferred securities issued				694
Conversion of stock, shares converted				301,778
LIBOR [Member]
Variable interest rate	2.45%		5.05%

XML 59 R48.htm IDEA: XBRL DOCUMENT

Loan Loss Recovery (Details Narrative) - USD ($) $ in Thousands	Jan. 06, 2016	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Loan Loss Recovery
Recovery of previously charged-off amounts to the allowance for loan and lease losses	$ 1,800
Allowance for loan and lease losses	$ 4,200	$ 2,047	$ 2,243	$ 3,993	$ 3,991

EXCEL 60 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx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end XML 61 Show.js IDEA: XBRL DOCUMENT // Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission. Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105. var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0); e.removeAttribute('id');a.parentNode.appendChild(e)}} if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'} e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}} XML 62 report.css IDEA: XBRL DOCUMENT /* Updated 2009-11-04 */ /* v2.2.0.24 */ /* DefRef Styles */ ..report table.authRefData{ background-color: #def; border: 2px solid #2F4497; font-size: 1em; position: absolute; } ..report table.authRefData a { display: block; font-weight: bold; } ..report table.authRefData p { margin-top: 0px; } ..report table.authRefData .hide { background-color: #2F4497; padding: 1px 3px 0px 0px; text-align: right; } ..report table.authRefData .hide a:hover { background-color: #2F4497; } ..report table.authRefData .body { height: 150px; overflow: auto; width: 400px; } ..report table.authRefData table{ font-size: 1em; } /* Report Styles */ ..pl a, .pl a:visited { color: black; text-decoration: none; } /* table */ ..report { background-color: white; border: 2px solid #acf; clear: both; color: black; font: normal 8pt Helvetica, Arial, san-serif; margin-bottom: 2em; } ..report hr { border: 1px solid #acf; } /* Top labels */ ..report th { background-color: #acf; color: black; font-weight: bold; text-align: center; } ..report th.void { background-color: transparent; color: #000000; font: bold 10pt Helvetica, Arial, san-serif; text-align: left; } ..report .pl { text-align: left; vertical-align: top; white-space: normal; width: 200px; white-space: normal; /* word-wrap: break-word; */ } ..report td.pl a.a { cursor: pointer; display: block; width: 200px; overflow: hidden; } ..report td.pl div.a { width: 200px; } ..report td.pl a:hover { background-color: #ffc; } /* Header rows... */ ..report tr.rh { background-color: #acf; color: black; font-weight: bold; } /* Calendars... */ ..report .rc { background-color: #f0f0f0; } /* Even rows... */ ..report .re, .report .reu { background-color: #def; } ..report .reu td { border-bottom: 1px solid black; } /* Odd rows... */ ..report .ro, .report .rou { background-color: white; } ..report .rou td { border-bottom: 1px solid black; } ..report .rou table td, .report .reu table td { border-bottom: 0px solid black; } /* styles for footnote marker */ ..report .fn { white-space: nowrap; } /* styles for numeric types */ ..report .num, .report .nump { text-align: right; white-space: nowrap; } ..report .nump { padding-left: 2em; } ..report .nump { padding: 0px 0.4em 0px 2em; } /* styles for text types */ ..report .text { text-align: left; white-space: normal; } ..report .text .big { margin-bottom: 1em; width: 17em; } ..report .text .more { display: none; } ..report .text .note { font-style: italic; font-weight: bold; } ..report .text .small { width: 10em; } ..report sup { font-style: italic; } ..report .outerFootnotes { font-size: 1em; } XML 63 FilingSummary.xml IDEA: XBRL DOCUMENT 3.19.1 html 271 260 1 true 40 0 false 5 false false R1.htm 00000001 - Document - Document and Entity Information Sheet http://optimumbank.com/role/DocumentAndEntityInformation Document and Entity Information Cover 1 false false R2.htm 00000002 - Statement - Condensed Consolidated Balance Sheets Sheet http://optimumbank.com/role/BalanceSheets Condensed Consolidated Balance Sheets Statements 2 false false R3.htm 00000003 - Statement - Condensed Consolidated Balance Sheets (Parenthetical) Sheet http://optimumbank.com/role/BalanceSheetsParenthetical Condensed Consolidated Balance Sheets (Parenthetical) Statements 3 false false R4.htm 00000004 - Statement - Condensed Consolidated Statements of Operations (Unaudited) Sheet http://optimumbank.com/role/StatementsOfOperations Condensed Consolidated Statements of Operations (Unaudited) Statements 4 false false R5.htm 00000005 - Statement - Condensed Consolidated Statements of Comprehensive Loss (Unaudited) Sheet http://optimumbank.com/role/StatementsOfComprehensiveLoss Condensed Consolidated Statements of Comprehensive Loss (Unaudited) Statements 5 false false R6.htm 00000006 - Statement - Condensed Consolidated Statements of Stockholders' Equity (Unaudited) Sheet http://optimumbank.com/role/StatementsOfStockholdersEquity Condensed Consolidated Statements of Stockholders' Equity (Unaudited) Statements 6 false false R7.htm 00000007 - Statement - Condensed Consolidated Statements of Cash Flows (Unaudited) Sheet http://optimumbank.com/role/StatementsOfCashFlows Condensed Consolidated Statements of Cash Flows (Unaudited) Statements 7 false false R8.htm 00000008 - Disclosure - General Sheet http://optimumbank.com/role/SummaryOfSignificantAccountingPolicies General Notes 8 false false R9.htm 00000009 - Disclosure - Securities Sheet http://optimumbank.com/role/Securities Securities Notes 9 false false R10.htm 00000010 - Disclosure - Loans Sheet http://optimumbank.com/role/Loans Loans Notes 10 false false R11.htm 00000011 - Disclosure - Loss Per Share Sheet http://optimumbank.com/role/LossPerShare Loss Per Share Notes 11 false false R12.htm 00000012 - Disclosure - Stock-Based Compensation Sheet http://optimumbank.com/role/Stock-basedCompensation Stock-Based Compensation Notes 12 false false R13.htm 00000013 - Disclosure - Fair Value Measurements Sheet http://optimumbank.com/role/FairValueMeasurement Fair Value Measurements Notes 13 false false R14.htm 00000014 - Disclosure - Fair Value of Financial Instruments Sheet http://optimumbank.com/role/FinancialInstruments Fair Value of Financial Instruments Notes 14 false false R15.htm 00000015 - Disclosure - Off- Balance Sheet Financial Instruments Sheet http://optimumbank.com/role/Off-BalanceSheetFinancialInstruments Off- Balance Sheet Financial Instruments Notes 15 false false R16.htm 00000016 - Disclosure - Regulatory Matters Sheet http://optimumbank.com/role/RegulatoryMatters Regulatory Matters Notes 16 false false R17.htm 00000017 - Disclosure - Junior Subordinated Debenture Sheet http://optimumbank.com/role/JuniorSubordinatedDebenture Junior Subordinated Debenture Notes 17 false false R18.htm 00000018 - Disclosure - General (Policies) Sheet http://optimumbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies General (Policies) Policies 18 false false R19.htm 00000019 - Disclosure - General (Tables) Sheet http://optimumbank.com/role/GeneralTables General (Tables) Tables http://optimumbank.com/role/SummaryOfSignificantAccountingPolicies 19 false false R20.htm 00000020 - Disclosure - Securities (Tables) Sheet http://optimumbank.com/role/SecuritiesTables Securities (Tables) Tables http://optimumbank.com/role/Securities 20 false false R21.htm 00000021 - Disclosure - Loans (Tables) Sheet http://optimumbank.com/role/LoansTables Loans (Tables) Tables http://optimumbank.com/role/Loans 21 false false R22.htm 00000022 - Disclosure - Loss Per Share (Tables) Sheet http://optimumbank.com/role/LossPerShareTables Loss Per Share (Tables) Tables http://optimumbank.com/role/LossPerShare 22 false false R23.htm 00000023 - Disclosure - Fair Value Measurements (Tables) Sheet http://optimumbank.com/role/FairValueMeasurementTables Fair Value Measurements (Tables) Tables http://optimumbank.com/role/FairValueMeasurement 23 false false R24.htm 00000024 - Disclosure - Fair Value of Financial Instruments (Tables) Sheet http://optimumbank.com/role/FinancialInstrumentsTables Fair Value of Financial Instruments (Tables) Tables http://optimumbank.com/role/FinancialInstruments 24 false false R25.htm 00000025 - Disclosure - Off- Balance Sheet Financial Instruments (Tables) Sheet http://optimumbank.com/role/Off-BalanceSheetFinancialInstrumentsTables Off- Balance Sheet Financial Instruments (Tables) Tables http://optimumbank.com/role/Off-BalanceSheetFinancialInstruments 25 false false R26.htm 00000026 - Disclosure - Regulatory Matters (Tables) Sheet http://optimumbank.com/role/RegulatoryMattersTables Regulatory Matters (Tables) Tables http://optimumbank.com/role/RegulatoryMatters 26 false false R27.htm 00000027 - Disclosure - General (Details Narrative) Sheet http://optimumbank.com/role/GeneralDetailsNarrative General (Details Narrative) Details http://optimumbank.com/role/GeneralTables 27 false false R28.htm 00000028 - Disclosure - General - Schedule of Accumulated Other Comprehensive Loss (Details) Sheet http://optimumbank.com/role/General-ScheduleOfAccumulatedOtherComprehensiveLossDetails General - Schedule of Accumulated Other Comprehensive Loss (Details) Details 28 false false R29.htm 00000029 - Disclosure - Securities (Details Narrative) Sheet http://optimumbank.com/role/SecuritiesDetailsNarrative Securities (Details Narrative) Details http://optimumbank.com/role/SecuritiesTables 29 false false R30.htm 00000030 - Disclosure - Securities - Schedule of Amortized Cost and Approximate Fair Values of Securities (Details) Sheet http://optimumbank.com/role/Securities-ScheduleOfAmortizedCostAndApproximateFairValuesOfSecuritiesDetails Securities - Schedule of Amortized Cost and Approximate Fair Values of Securities (Details) Details 30 false false R31.htm 00000031 - Disclosure - Securities - Schedule of Securities with Gross Unrealized Losses, by Investment Category (Details) Sheet http://optimumbank.com/role/Securities-ScheduleOfSecuritiesWithGrossUnrealizedLossesByInvestmentCategoryDetails Securities - Schedule of Securities with Gross Unrealized Losses, by Investment Category (Details) Details 31 false false R32.htm 00000032 - Disclosure - Loans - Schedule of Components of Loans (Details) Sheet http://optimumbank.com/role/Loans-ScheduleOfComponentsOfLoansDetails Loans - Schedule of Components of Loans (Details) Details 32 false false R33.htm 00000033 - Disclosure - Loans - Schedule of Change in Allowance for Loan Losses (Details) Sheet http://optimumbank.com/role/Loans-ScheduleOfChangeInAllowanceForLoanLossesDetails Loans - Schedule of Change in Allowance for Loan Losses (Details) Details 33 false false R34.htm 00000034 - Disclosure - Loans - Schedule of Loans by Credit Quality (Details) Sheet http://optimumbank.com/role/LoansDetails3 Loans - Schedule of Loans by Credit Quality (Details) Details 34 false false R35.htm 00000035 - Disclosure - Loans - Schedule of Age Analysis of Past-due Loans (Details) Sheet http://optimumbank.com/role/Loans-ScheduleOfAgeAnalysisOfPast-dueLoansDetails Loans - Schedule of Age Analysis of Past-due Loans (Details) Details 35 false false R36.htm 00000036 - Disclosure - Loans - Schedule of Impaired Loans (Details) Sheet http://optimumbank.com/role/Loans-ScheduleOfImpairedLoansDetails Loans - Schedule of Impaired Loans (Details) Details 36 false false R37.htm 00000037 - Disclosure - Loans - Schedule of Interest Income Recognized and Received on Impaired Loans (Details) Sheet http://optimumbank.com/role/Loans-ScheduleOfInterestIncomeRecognizedAndReceivedOnImpairedLoansDetails Loans - Schedule of Interest Income Recognized and Received on Impaired Loans (Details) Details 37 false false R38.htm 00000038 - Disclosure - Loss Per Share - Schedule of Weighted Average Number of Common Shares Outstanding (Details) Sheet http://optimumbank.com/role/LossPerShare-ScheduleOfWeightedAverageNumberOfCommonSharesOutstandingDetails Loss Per Share - Schedule of Weighted Average Number of Common Shares Outstanding (Details) Details 38 false false R39.htm 00000039 - Disclosure - Stock-Based Compensation (Details Narrative) Sheet http://optimumbank.com/role/Stock-basedCompensationDetailsNarrative Stock-Based Compensation (Details Narrative) Details http://optimumbank.com/role/Stock-basedCompensation 39 false false R40.htm 00000040 - Disclosure - Fair Value Measurements (Details Narrative) Sheet http://optimumbank.com/role/FairValueMeasurementsDetailsNarrative Fair Value Measurements (Details Narrative) Details http://optimumbank.com/role/FairValueMeasurementTables 40 false false R41.htm 00000041 - Disclosure - Fair Value Measurements - Schedule of Assets Measured on Nonrecurring Basis (Details) Sheet http://optimumbank.com/role/FairValueMeasurements-ScheduleOfAssetsMeasuredOnNonrecurringBasisDetails Fair Value Measurements - Schedule of Assets Measured on Nonrecurring Basis (Details) Details 41 false false R42.htm 00000042 - Disclosure - Fair Value Measurements - Schedule of Available-for-Sale Securities Measured at Fair Value on Recurring Basis (Details) Sheet http://optimumbank.com/role/FairValueMeasurements-ScheduleOfAvailable-for-saleSecuritiesMeasuredAtFairValueOnRecurringBasisDetails Fair Value Measurements - Schedule of Available-for-Sale Securities Measured at Fair Value on Recurring Basis (Details) Details 42 false false R43.htm 00000043 - Disclosure - Fair Value of Financial Instruments - Schedule of Estimated Fair Value of Financial Instruments (Details) Sheet http://optimumbank.com/role/FairValueOfFinancialInstruments-ScheduleOfEstimatedFairValueOfFinancialInstrumentsDetails Fair Value of Financial Instruments - Schedule of Estimated Fair Value of Financial Instruments (Details) Details 43 false false R44.htm 00000044 - Disclosure - Off- Balance Sheet Financial Instruments - Schedule of Off-Balance Sheet Risks of Financial Instruments (Details) Sheet http://optimumbank.com/role/Off-BalanceSheetFinancialInstruments-ScheduleOfOff-balanceSheetRisksOfFinancialInstrumentsDetails Off- Balance Sheet Financial Instruments - Schedule of Off-Balance Sheet Risks of Financial Instruments (Details) Details 44 false false R45.htm 00000045 - Disclosure - Regulatory Matters (Details Narrative) Sheet http://optimumbank.com/role/RegulatoryMattersDetailsNarrative Regulatory Matters (Details Narrative) Details http://optimumbank.com/role/RegulatoryMattersTables 45 false false R46.htm 00000046 - Disclosure - Regulatory Matters - Schedule of Capital Amounts, Ratios and Regulatory Thresholds (Details) Sheet http://optimumbank.com/role/RegulatoryMatters-ScheduleOfCapitalAmountsRatiosAndRegulatoryThresholdsDetails Regulatory Matters - Schedule of Capital Amounts, Ratios and Regulatory Thresholds (Details) Details 46 false false R47.htm 00000047 - Disclosure - Junior Subordinated Debenture (Details Narrative) Sheet http://optimumbank.com/role/JuniorSubordinatedDebentureDetailsNarrative Junior Subordinated Debenture (Details Narrative) Details http://optimumbank.com/role/JuniorSubordinatedDebenture 47 false false R48.htm 00000048 - Disclosure - Loan Loss Recovery (Details Narrative) Sheet http://optimumbank.com/role/LoanLossRecoveryDetailsNarrative Loan Loss Recovery (Details Narrative) Details 48 false false All Reports Book All Reports ophc-20190331.xml ophc-20190331.xsd ophc-20190331_cal.xml ophc-20190331_def.xml ophc-20190331_lab.xml ophc-20190331_pre.xml http://fasb.org/srt/2019-01-31 http://fasb.org/us-gaap/2019-01-31 http://xbrl.sec.gov/dei/2018-01-31 true true ZIP 65 0001493152-19-007018-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0001493152-19-007018-xbrl.zip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end