0001408534-16-000053.txt : 20160328 0001408534-16-000053.hdr.sgml : 20160328 20160328172211 ACCESSION NUMBER: 0001408534-16-000053 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 110 CONFORMED PERIOD OF REPORT: 20151231 FILED AS OF DATE: 20160328 DATE AS OF CHANGE: 20160328 FILER: COMPANY DATA: COMPANY CONFORMED NAME: First Guaranty Bancshares, Inc. CENTRAL INDEX KEY: 0001408534 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 260513559 STATE OF INCORPORATION: LA FISCAL YEAR END: 0923 FILING VALUES: FORM TYPE: 10-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-37621 FILM NUMBER: 161533034 BUSINESS ADDRESS: STREET 1: 400 EAST THOMAS STREET CITY: HAMMOND STATE: LA ZIP: 70401 BUSINESS PHONE: 985-345-7685 MAIL ADDRESS: STREET 1: 400 EAST THOMAS STREET CITY: HAMMOND STATE: LA ZIP: 70401 10-K 1 fgbform123115form10k.htm FORM 10-K fgbform123114form10k.htm
 
 
 
 
 
 
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 
Form 10-K
 
☒ANNUAL REPORT  PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 
For the fiscal year ended December 31, 2015
 
or
 ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the transition period from ______________ to ______________.
 
Commission file number: 001-37621
 
FGB LOGO
 
FIRST GUARANTY BANCSHARES, INC.
(Exact name of registrant as specified in its charter)
 
 
Louisiana
26-0513559
(State or other jurisdiction incorporation or organization)
(I.R.S. Employer Identification Number)
   
   
400 East Thomas Street
  
Hammond, Louisiana
70401
(Address of principal executive offices)
(Zip Code)
 
(985) 345-7685
(Registrant’s telephone number, including area code)
 
Not Applicable
(Former name or former address, if changed since last report)
 
Securities Registered Pursuant to Section 12(b) of the Act:  
Common Stock, $1.00 par value  The NASDAQ Stock Market, LLC
 (Title of each class)  (Name of each exchange on which registered)
 
  Securities Registered Pursuant to Section 12(g) of the Act: None
 
 
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Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.
YES ☐         NO ☒
 
 
Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.
YES ☐         NO ☒
 
 
Indicate by check mark whether the Registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.  
YES ☒         NO ☐
 
 
Indicate by check mark whether the registrant has submitted electronically and posted on its corporate website, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T during the preceding 12 months.  
YES ☒        NO ☐
 
 
Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (§229.405 of this chapter) is not contained herein, and will not be contained, to the best of registrant’s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K.T ☐
 
 
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company.  See definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act. (Check one):
 
Large accelerated filer☐Accelerated filer☐Non-accelerated filer☐Smaller reporting company☒
 
 
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).
YES ☐        NO ☒
 
 
The aggregate market value of the voting common stock held by non-affiliates of the registrant as of June 30, 2015 was $59,000,662 based upon the price from the last trade of $18.25.
 
 
As of March 25, 2016, there were issued and outstanding 7,609,194 shares of the Registrant’s Common Stock.
 
 
DOCUMENTS INCORPORATED BY REFERENCE:
 
(1)  Proxy Statement for the 2016 Annual Meeting of Shareholders of the Registrant (Part III).
 
 
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TABLE OF CONTENTS
 
   
Page
Part I.
    
  Item 1
4
  Item 1A
20
  Item 1B
29
  Item 2
30
  Item 3
30
  Item 4
30
     
Part II.
    
  Item 5
 31
  Item 6
32
  Item 7
 35
  Item 7A
65
  Item 8
68
      Notes to the Financial Statements 73
  Item 9
 106
  Item 9A
106
  Item 9B
106
     
Part III.
    
  Item 10
107
  Item 11
107
  Item 12
107
  Item 13
107
  Item 14
107
     
Part IV.
    
  Item 15
108
 
 
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Item 1 – Business
 
Our Company
 
First Guaranty Bancshares, Inc. ("First Guaranty" or the “Company”) is a Louisiana-chartered bank holding company headquartered in Hammond, Louisiana. Our wholly owned subsidiary, First Guaranty Bank (the “Bank”), a Louisiana-chartered commercial bank, provides personalized commercial banking services mainly to Louisiana customers through 21 banking facilities primarily located in the Market Services Areas (MSAs), of Hammond, Baton Rouge, Lafayette and Shreveport-Bossier City. Our principal business consists of attracting deposits from the general public and local municipalities in our market areas and investing those deposits, together with funds generated from operations and borrowings in lending and in securities activities to serve the credit needs of our customer base, including commercial real estate loans, commercial and industrial loans, one- to four-family residential real estate loans, construction and land development loans, agricultural and farmland loans, and to a lesser extent, consumer and multifamily loans. We also participate in certain syndicated loans, including shared national credits, with other financial institutions. We offer a variety of deposit accounts to consumers and small businesses, including personal and business checking and savings accounts, time deposits, money market accounts and demand accounts. We invest a portion of our assets in securities issued by the United States Government and its agencies, state and municipal obligations, corporate debt securities, mutual funds, and equity securities. We also invest in mortgage-backed securities primarily issued or guaranteed by United States Government agencies or enterprises. In addition, we offer a broad range of consumer services, including personal and commercial credit cards, remote deposit capture, safe deposit boxes, official checks, internet banking, automated teller machines, online bill pay, mobile banking and lockbox services.
 
At December 31, 2015, we had consolidated total assets of $1.5 billion, total deposits of $1.3 billion and total shareholders’ equity of $118.2 million.
 
Recent Events
 
In November 2015, the Company completed a public offering of 626,560 shares of its common stock, par value $1.00 per share, at a public offering price of $18.50 per share for net proceeds of $9.3 million. Concurrent with the completion of the offering, the Company's shares began to trade on the Nasdaq Global Market. Following the completion of the offering, the Company declared a 10% stock dividend.
 
In December 2015, the Company issued a $15.0 million subordinated note to Edgar Ray Smith III, a director of the Company in a private placement. The subordinated note is for a ten-year term and will bear interest at a fixed annual rate of 4.0% for the first five years of the term and then adjust to a floating rate based on the Prime Rate plus 75 basis points for the period of time after the fifth year until redemption or maturity. Also in December 2015, the Company entered into a term loan of $25.0 million with First Tennessee Bank National Association secured by approximately 85% of the stock of the Company's wholly-owned bank subsidiary, First Guaranty Bank. The term loan will bear interest quarterly and the interest rate will float based on the 3-month LIBOR plus 250 basis points. The term loan will be due and payable five years from the origination date (December 2020).
 
Following the completion of the capital raising actions noted above, on December 22, 2015, the Company redeemed all of the 39,435 shares of its Senior Non-Cumulative Perpetual Preferred Stock, Series C, that had been issued to the United States Department of Treasury pursuant to the Small Business Lending Fund (the "SBLF").  The shares were redeemed at their liquidation value of $1,000 per share plus accrued and unpaid dividends for a total redemption price of $39.5 million.
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Our History and Growth
 
First Guaranty Bank was founded in Amite, Louisiana on March 12, 1934. While the origins of First Guaranty Bank go back over 80 years, we began our modern history in 1993 when an investor group, led by Marshall T. Reynolds, our Chairman, invested $3.6 million in First Guaranty Bank as part of a recapitalization plan with the objective of building a community-focused commercial bank in our Louisiana markets. Since the implementation of that recapitalization plan, we have grown from six branches and $159 million in assets at the end of 1993 to 21 branches and $1.5 billion in assets at December 31, 2015. We have also paid a quarterly dividend for 90 consecutive quarters at December 31, 2015. On July 27, 2007, we formed First Guaranty Bancshares and completed a one-for-one share exchange that resulted in First Guaranty Bank becoming the wholly-owned subsidiary of First Guaranty Bancshares (the “Share Exchange”) and First Guaranty Bancshares becoming an SEC reporting public company.
 
Since our Share Exchange, we have supplemented our organic growth with two acquisitions, which added stable deposits that provided funding for our lending business and extended our geographic footprint in the Baton Rouge and Hammond MSAs.
 
The following table summarizes the two acquisitions:
Acquired Institution/Market
 
Date of Acquisition
 
  
Deal Value
(dollars in thousands)
    
Fair Value of Total
Assets Acquired
(dollars in thousands)
  
         
Greensburg Bancshares, Inc.
July 1, 2011
   $ 5,308     $ 89,386  
Baton Rouge MSA
                  
                   
Homestead Bancorp, Inc.
 July 30, 2007
     12,140       129,606  
Hammond MSA
                  

In addition, our participation in the SBLF enabled us to leverage $39.4 million in capital received from the United States Department of the Treasury (the “U.S. Treasury”) to grow our lending business. As a result of the SBLF capital, we were able to grow our qualified small business lending by $54.4 million since 2011. The majority of this loan growth has been concentrated in owner-occupied commercial real estate and commercial and industrial loans. In December of 2015, we redeemed the $39.4 million in preferred stock issued to the U.S. Treasury.
 
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Our Markets
 
Our primary market areas include the Louisiana MSAs of Hammond, Baton Rouge, Lafayette, and Shreveport-Bossier City. Most of our branches are located along the major Louisiana interstates of I-12, I-55, I-10 and I-20.
 
Hammond MSA. We are headquartered in Hammond, Louisiana and approximately 50% of our deposits are in the Hammond MSA, our largest deposit concentration market. We had a deposit market share of 36.4% (at June 30, 2015) in the Hammond MSA, placing us first overall. Hammond is the principal city of the Hammond MSA, which includes all of Tangipahoa Parish, and is located approximately 50 miles north of New Orleans and 30 miles east of Baton Rouge. The Hammond MSA has a population of approximately 125,000. Hammond is intersected by I-55 and I-12, which are two heavily traveled interstate highways. As a result of Hammond's close proximity to New Orleans and Baton Rouge, Hammond and Tangipahoa Parish are among the fastest growing cities and Parishes in Louisiana. There is an abundance of new development, both commercial and residential, as well as numerous hotels which absorb overflowing demand for rooms near major events in New Orleans. Hammond is also the home of the main campus of Southeastern Louisiana University, with an enrollment of approximately 15,000 students.
The Hammond Northshore Regional Airport is a backup landing site for the Louis Armstrong New Orleans International Airport. The Louisiana National Guard maintains a 56-acre campus at the airport, which is home to the 1/244th Air Assault Helicopter Battalion. Port Manchac, which provides egress via Lake Pontchartrain with the Gulf of Mexico, is located 15 miles south of Hammond. The Hammond Amtrak Station located in downtown Hammond is on Amtrak's City of New Orleans route, which runs from New Orleans to Chicago, Illinois. The combination of highway, air, sea and rail transportation has made Hammond a major transportation and commercial hub of Louisiana. Hammond hosts numerous warehouses and distribution centers, and is a major distribution point for Wal-Mart and Winn Dixie.
 
Baton Rouge MSA. Baton Rouge is the capital of Louisiana and the MSA has a population of approximately 824,000. As the capital city, Baton Rouge is the political hub for Louisiana. The state government is the largest employer in Baton Rouge. Baton Rouge is the farthest inland port on the Mississippi River that can accommodate ocean-going tankers and cargo carriers. As a result, Baton Rouge's largest industry is petrochemical production and manufacturing. The ExxonMobil facility in Baton Rouge is one of the largest oil refineries in the country. Baton Rouge also has a diverse economy comprised of healthcare, education, finance and motion pictures. The main campus of Louisiana State University, with an enrollment of approximately 30,000 students, and Southern University, with an enrollment of approximately 7,000 students, are located in Baton Rouge.
 
Our market areas in the Baton Rouge MSA also include the Livingston and St. Helena Parishes. Livingston Parish's growth is tied to Baton Rouge as it is a suburban community with many of its residents commuting to Baton Rouge for employment. The economy for St. Helena Parish is comprised primarily of forestry operations, construction, manufacturing, educational services, health care, and social assistance.
 
Lafayette MSA. Lafayette is Louisiana's third largest city and deposit market, and is located in the Lafayette-Acadiana region. The Lafayette MSA has a population of approximately 479,000. Its major industries include oil and gas, healthcare, construction, manufacturing and agriculture. With respect to agriculture, sugarcane and rice are the leaders among the plant producers within the area, with approximately 30,000 acres of sugarcane and 51,000 acres of rice plantings. Lafayette also has numerous beef producers and fisheries. We finance agricultural loans, predominately out of our Abbeville and Jennings branches, in Southwest Louisiana. Lafayette is home to the University of Louisiana at Lafayette, with an enrollment of approximately 17,000 students.
Shreveport-Bossier City MSA. Our primary market areas in northwest Louisiana are the Bossier and Caddo Parishes, which are a part of the Shreveport-Bossier City MSA. The Shreveport and Bossier City MSA has a population of approximately 451,000. Shreveport and Bossier City are located in northern Louisiana on I-20, approximately 15 miles from the Texas state border and 185 miles east of Dallas, Texas. Our primary market area has a diversified economy with employment in services, government and wholesale/retail trade constituting the basis of the local economy, with service jobs being the largest component. The majority of the services are health care related as Shreveport has become a regional hub for health care. The casino gaming industry, with its Las Vegas-style gaming, year-round festivals and local dining, also supports a significant number of service jobs. The energy sector has a prominent role in the regional economy, resulting from oil and gas exploration and drilling. Bossier Parish is also the home to the Barksdale Air Force Base, which has 12,000 employees.
 
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Our Strategy
Our mission is to increase shareholder value while providing services for and contributing to the growth and welfare of the communities that we serve. As "The Relationship Bank," our mission is to become the bank of choice for small business and consumer customers who are located in both metropolitan and rural markets. We desire to grow our market share along Louisiana's key interstate corridors of major interstates I-12, I-55, I-10 and I-20 both organically and through strategic acquisitions. To achieve this, we seek to implement the following strategies:
Continue to Increase Total Loans as a Percentage of Assets. We plan to continue to change our asset composition by growing our loan portfolio to increase our total loans as a percentage of our assets. Our loan to deposit ratio was 64.9% as of December 31, 2015. The growth in our loan portfolio has broadened our customer base, reduced our interest rate risk exposure to fixed rate investment securities, and helped us expand our net interest margin. We have invested in the internal development of our lending department along with the select addition of experienced lenders.
We intend to continue to grow our loan portfolio organically by targeting small and medium-sized businesses engaged in manufacturing, agriculture, petrochemicals, healthcare and other professional services. As a participant in the SBLF, we developed and executed a sustained loan growth campaign focused on these target loan areas beginning in 2011 that far exceeded our original goals of the program. We are continuing this campaign even after we redeemed our SBLF preferred stock in December 2015.  Our gross loan portfolio has increased by $268.5 million, or 46.8%, to $841.6 million at December 31, 2015 from $573.1 million at December 31, 2011.
 
Our commercial lending team is organized around our regional market areas of Louisiana. A senior experienced lender leads each market team and ensures that our lenders deliver timely service to customers, meet and exceed expectations of loan approval time, and broaden customer relationships through referrals. We hired a seasoned chief lending officer in 2015 who will manage our loan portfolio and foster strong commercial and consumer lending opportunities in both our current and new market areas.
We are expanding upon our successful small business lending program with a new emphasis on growing our SBA, USDA and commercial leasing lending programs. We have invested in training key personnel to focus on this market as we believe that SBA, USDA and commercial leasing loans can serve as new market opportunities for our Bank. We will continue to be a leading agricultural lender and grow our FSA lending.
Over the last eight years, we have pursued a focused program to participate in syndicated loans (loans made by a group of lenders, including us, who share or participate in a specific loan, which is typically secured by business assets or equipment, and also commercial real estate) with a larger regional financial institution as the lead lender. Our focus has been to finance middle market companies whose borrowing needs typically range from $25 million to $75 million. Syndicated loans diversify our loan portfolio, increase our yield and mitigate interest rate risk due to the variable rate pricing structure of the loans. We expect to continue our syndicated lending program but our local loan originations remain our funding priority.
We intend to grow our consumer loan portfolio principally through our residential mortgage program. We hired an experienced team leader in 2013 to grow the consumer residential mortgage business and we have invested in systems to accelerate the decision making process to deliver quality customer service to our customers. We intend to leverage our existing branch network to expand our retail lending. We have expanded our technology to make it easier for both individual and business customers to bank with us through mobile and internet banking.
Expand Individual and Business Deposits and Maintain our Public Funds Program. Our deposit strategy is focused on continuing to expand our individual and business deposit bases while maintaining our public funds deposit program. Our deposit strategy leverages off the market share dominance that we have in several of our markets, such as the Hammond MSA where we had a 36.4% deposit market share at June 30, 2015, placing us first overall. In recent years, we have worked to prudently and diligently lower our cost of deposits. Our commercial and consumer lending teams focus on building business and individual deposits concurrent with loans. Our public funds department is dedicated to maintaining strong relationships with our well diversified base of public entities. We provide a variety of services to our public funds clients. Our public funds deposit program has provided us with a stable and low cost source of funding. We will continue to concentrate on keeping many of these funds under contract as we are often the fiscal agent for these governmental agencies which helps maintain this funding.
Maintain Strong Asset Quality. We emphasize a disciplined credit culture based on intimate market knowledge, close ties to our customers, sound underwriting standards and experienced loan officers. While the challenging operating environment which began following the 2008-2009 recession of the United States contributed to an increase in problem assets, management's primary objective has been to expeditiously reduce the level of non-performing assets through diligent monitoring and aggressive resolution efforts. The results of this effort are reflected in our improved asset quality. At December 31, 2015, non-performing assets totaled $22.0 million, or 1.51% of total assets, and has declined by $6.9 million from $28.9 million, or 2.13% of total assets at December 31, 2011.
 
Pursue Strategic Acquisitions. Our strategy is to supplement our organic growth by executing a targeted and disciplined acquisition strategy of community banks and non-banking financial companies as opportunities arise. We have successfully integrated prior acquisitions as demonstrated by our acquisitions of Greensburg Bancshares, Inc. in 2011 and Homestead Bancorp, Inc. in 2007. Our board of directors' broad experiences across many industries assists us in expanding our business. Our Chairman, Marshall T. Reynolds, has more than 40 years of experience in managing the growth of commercial banks both organically and through acquisitions throughout the United States.
We believe our ability to execute an acquisition strategy has been enhanced by our internal investments in the areas of operations, compliance, finance, credit and information technology that provide us with a scalable platform for growth. Our focus will be on targets with quality loan portfolios and a long term deposit customer base, particularly those with high levels of consumer and retail checking accounts, low cost deposits and favorable market share. We intend to pursue opportunities that will be accretive to earnings, result in a tangible book value earn back of approximately three years, strengthen our franchise, and ultimately enhance shareholder value.  We also believe the listing of our shares on NASDAQ in November 2015 provides us with a more marketable and liquid stock currency that will be attractive to potential targets.
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Lending Activities
We offer a broad range of loan and lease products with a variety of rates and terms throughout our market areas, including business loans to primarily small to medium-sized businesses and professionals, as well as loans to individuals. Our lending operations consist of the following major segments: non-farm, non-residential loans secured by real estate, commercial and industrial loans, one- to four-family residential loans, construction and land development loans, agricultural loans, farmland loans, consumer and other loans, and multifamily loans. All loan decisions are locally made which can allow for a faster approval process than many of our larger regional and nationwide bank competitors.
Non-Farm Non-Residential Loans. Non-farm non-residential loans are an integral part of our operating strategy. We expect to continue to emphasize this business line in the future with a target loan size of $1.0 million to $10.0 million to small businesses and real estate projects in our market area. At December 31, 2015 loans secured by non-farm non-residential properties totaled $323.4 million, or 38.3% of our total loan portfolio. Our non-farm non-residential loans are secured by commercial real estate generally located in our market area, which may be owner-occupied or non-owner occupied. Following receipt of the SBLF capital, we have increased our owner-occupied commercial real estate loans by $37.0 million since December 31, 2011. Our owner-occupied commercial real estate loans totaled $144.3 million, or 44.6% of total non-farm non-residential loans at December 31, 2015. Permanent loans on non-farm non-residential properties are generally originated in amounts up to 85% of the appraised value of the property for owner-occupied commercial real estate properties and up to 80% of the appraised value of the property for non- owner-occupied commercial real estate properties. We consider a number of factors in originating non-farm non-residential loans. We evaluate the qualifications and financial condition of the borrower (including credit history), profitability and expertise, as well as the value and condition of the mortgaged property securing the loan. We consider the financial resources of the borrower, the borrower's experience in owning or managing similar property and the borrower's payment history with us and other financial institutions. In evaluating the property securing the loan, the factors we consider include the net operating income of the mortgaged property before debt service and depreciation, the debt service coverage ratio (the ratio of net operating income to debt service) to ensure that the borrower's net operating income together with the borrower's other sources of income is at least 125% of the annual debt service and the ratio of the loan amount to the appraised value of the mortgaged property. We generally obtain personal guarantees from the borrower or a third party as a condition to originating commercial real estate loans. All non-farm non-residential loans are appraised by outside independent appraisers approved by the board of directors.
Our non-farm non-residential loans are diversified by borrower and industry group, and generally secured by improved property such as hotels, office buildings, retail stores, gaming facilities, warehouses, church buildings and other non-residential buildings. Non-farm non-residential loans are generally made at rates that adjust above the prime rate as reported in the Wall Street Journal, that mature in three to five years and with principal amortization for a period of up to 20 years. We will also originate fixed-rate, non-farm non-residential loans that mature in three to five years with principal amortization of up to 20 years. Our largest concentration of non-farm non-residential loans is secured by hotels, and such loans are generally made only to hotel operators known to management. We will finance the construction of the hotel project and upon completion the loan will convert to permanent financing with a balloon feature after three to five years.
Loans secured by non-farm non-residential real estate are generally larger and involve a greater degree of risk than residential real estate loans. The borrower's creditworthiness and the feasibility and cash flow potential of the project is of primary concern in non-farm non-residential real estate lending. Loans secured by income properties are generally larger and involve greater risks than residential mortgage loans, because payments on loans secured by income properties are often dependent on the successful operation or management of the properties. As a result, repayment of such loans may be subject to a greater extent than residential real estate loans to adverse conditions in the real estate market or the economy.

Commercial and Industrial Loans. Commercial and industrial loans totaled $224.2 million, or 26.6% of our total loan portfolio at December 31, 2015. Commercial and industrial loans (excluding syndicated loans) are generally made to small and mid-sized companies located within the State of Louisiana. We also participate in government programs which guarantee portions of commercial and industrial loans such as the SBA and USDA. In most cases, we require collateral of equipment, accounts receivable, inventory, chattel or other assets before making a commercial business loan. We have a dedicated staff within our credit department that monitors asset based lending and regularly conducts reviews of borrowing based certificates, aging and inventory reports, and on-site audits. Our commercial term loans totaled $136.7 million at December 31, 2015, or 61.0% of total commercial and industrial loans. Our commercial and industrial maximum loan to value limit is 80%. Our commercial term loans are generally fixed interest rate loans, indexed to the prime rate, with terms of up to five years, depending on the needs of the borrower and the useful life of the underlying collateral. Our commercial lines of credit totaled $87.5 million at December 31, 2015, or 39.0% of total commercial and industrial loans. Typically, our commercial lines of credit are adjustable rate lines, indexed to the prime interest rate, which generally mature yearly. Our underwriting standards for commercial and industrial loans include a review of the applicant's tax returns, financial statements, credit history, the underlying collateral and an assessment of the applicant's ability to meet existing obligations and payments on the proposed loan based on cash flow generated by the applicant's business. We generally obtain personal guarantees from the borrower or a third party as a condition to originating commercial and industrial loans. 
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Over the last eight years, we pursued a focused program to participate in syndicated loans (loans made by a group of lenders, including us, who share or participate in a specific loan) with a larger regional financial institution as the lead lender. Syndicated loans are typically made to large businesses (which are referred to as shared national credits) or middle market companies (which do not meet the regulatory definition of shared national credits), both of which are secured by business assets or equipment, and also commercial real estate. The syndicate group for both types of loans usually consists of two to three other financial institutions. These loans are adjustable-rate loans generally tied to LIBOR. Our participation amounts typically range between $5.0 million and $15.0 million. Our focus has been to finance middle market companies whose borrowing needs typically range from $25.0 million to $75.0 million. Syndicated loans diversify our loan portfolio, increase our yield and mitigate interest rate risk due to the variable rate pricing structure of the loans. We have a defined set of credit guidelines that we use when evaluating these credits. Our credit department independently reviews all syndicate loans and our board of directors has created a special committee to oversee the underwriting and approval of these loans.  At December 31, 2015, syndicated loans secured by assets other than commercial real estate totaled $105.9 million, or 47.2% of the commercial and industrial loan portfolio. 
Commercial and industrial loans generally involve increased credit risk and, therefore, typically yield a higher return. The increased risk in commercial and industrial loans derives from the expectation that such loans generally are serviced principally from the operations of the business, and those operations may not be successful. Any interruption or discontinuance of operating cash flows from the business, which may be influenced by events not under the control of the borrower such as economic events and changes in governmental regulations, could materially affect the ability of the borrower to repay the loan. In addition, the collateral securing commercial and industrial loans generally includes movable property such as equipment and inventory, which may decline in value more rapidly than we anticipate exposing us to increased credit risk. As a result of the foregoing, commercial and industrial loans require extensive administration and servicing.
One- to Four-Family Residential Real Estate Loans. At December 31, 2015, our one- to four-family residential real estate loans totaled $129.6 million, or 15.4% of our total loan portfolio. We originate one- to four-family residential real estate loans that are secured primarily by residential property in Louisiana. We generally originate loans in amounts up to 95% of the lesser of the appraised value or purchase price of the mortgaged property. We currently offer one- to four-family residential real estate loans with terms up to 30 years that are generally underwritten according to Fannie Mae guidelines, and we refer to loans that conform to such guidelines as "conforming loans." We generally originate fixed-rate mortgage loans in amounts up to the maximum conforming loan limits as established by the Federal Housing Finance Agency, which at December 31, 2015 was $417,000 for single-family homes in our market area. At December 31, 2015, we held $25.4 million in jumbo loans that are greater than the conforming loan limit. We generally hold our one- to four-family residential real estate loans in our portfolio. We also originate one- to four-family residential real estate loans secured by non-owner occupied properties, but less frequently. Our fixed-rate one- to four-family residential real estate loans include loans that generally amortize on a monthly basis over periods between 10 to 30 years with maturities that range from eight to 30 years. Fixed rate one- to four-family residential real estate loans often remain outstanding for significantly shorter periods than their contractual terms because borrowers have the right to refinance or prepay their loans. We do not offer one- to four-family residential real estate loans specifically designed for borrowers with sub-prime credit scores, including interest-only, negative amortization or payment option adjustable-rate mortgage loans.
We have diversified our one- to four-family residential real estate loans with the select purchase of conforming mortgage loans that are located outside Louisiana. Our purchased loans are generally serviced by other financial institutions. At December 31, 2015, $33.1 million of our one- to four-family residential real estate loans, or 25.5% of our one- to four-family residential real estate loans, were purchased loans secured by property located outside our market area. The majority of our out of state purchased one- to four-family residential real estate loans are located in West Virginia, Virginia, Pennsylvania and the District of Columbia. Our purchased one- to four-family residential real estate loans must meet our internal underwriting criteria. At December 31, 2015, we had no purchased one- to four-family residential real estate loans that were classified as nonaccruing. While we intend to continue to purchase one- to four-family residential real estate loans from time-to-time, our strategic emphasis for future periods is to increase the volume of our internal originations of such loans.
Our one- to four-family loans also include home equity lines of credit that have second mortgages. At December 31, 2015, we had $6.8 million in home equity lines of credit, which represented 5.2% of our one- to four-family residential real estate loans. Our home equity products are originated in amounts, that when combined with the existing first mortgage loan, do not generally exceed 80% of the loan-to-value ratio of the subject property.
All of our one- to four-family residential mortgages include "due on sale" clauses, which are provisions giving us the right to declare a loan immediately payable if the borrower sells or otherwise transfers an interest in the property to a third party.
Property appraisals on real estate securing our single-family residential loans are made by state certified and licensed independent appraisers approved by the board of directors. Appraisals are performed in accordance with applicable regulations and policies. At our discretion, we obtain either title insurance policies or attorneys' certificates of title, on all first mortgage real estate loans originated. We also require fire and casualty insurance on all properties securing our one- to four-family residential loans. We also require the borrower to obtain flood insurance where appropriate. In some instances, we charge a fee equal to a percentage of the loan amount, commonly referred to as points.
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Construction and Land Development Loans. We offer loans to finance the construction of various types of commercial and residential property. At December 31, 2015, $56.1 million, or 6.6% of our total loan portfolio consisted of construction and land development loans. Construction loans to builders generally are offered with terms of up to 18 months and interest rates are tied to the prime lending rate. These loans generally are offered as fixed or adjustable-rate loans. We will originate residential construction loans for individual borrowers and builders, provided all necessary plans and permits have been obtained. Construction loan funds are disbursed as the project progresses.  We will originate construction loans up to 80% of the estimated completed value of the project and we will originate land development loans in amounts up to 75% of the value of the property as developed. We will originate owner occupied one-to-four family residential construction loans up to 90% of the estimated completed value of the property.
Construction and land development financing is generally considered to involve a higher degree of risk of loss than long-term financing on improved, occupied real estate. Risk of loss on a construction loan is dependent largely upon the accuracy of the initial estimate of the property's value at completion of construction and development and the estimated cost (including interest) of construction. During the construction phase, a number of factors could result in delays and cost overruns. If the estimate of construction costs proves to be inaccurate, we may be required to advance funds beyond the amount originally committed to permit completion of the project. Additionally, if the estimate of value proves to be inaccurate, we may be confronted, at or prior to the maturity of the loan, with a project having a value which is insufficient to assure full repayment.
 
Agricultural Loans. We are the leading lender for agricultural loans in our Southwest Louisiana market. Our agricultural lending includes loans to farmers for the purpose of cultivating rice, sugarcane, soybeans, timber, poultry and cattle. Agricultural loans are generally secured by crops, but may include additional collateral such as farm equipment or vehicles. Agricultural loans totaled $25.8 million, or 3.1% of our total loan portfolio at December 31, 2015. Such loans are generally offered with fixed rates at a margin above prime for a term of generally one year. We will originate agricultural loans in those instances where the borrower's financial strength and creditworthiness has been established. Agricultural loans generally bear higher interest rates than residential loans, but they also may involve a higher risk of default since their repayment is generally dependent on the successful operation of the borrower's business. Substantially all of our originated agricultural loans are guaranteed by the U.S. Farm Service Agency. We generally obtain personal guarantees from the borrower or a third party as a condition to originating its agricultural loans.
 
The underwriting standards used for agricultural loans include a determination of the borrower's ability to meet existing obligations and payments on the proposed loan from normal cash flows generated in the borrower's business. The financial strength of each applicant also is assessed through review of financial statements and tax returns provided by the applicant. The creditworthiness of a borrower is derived from a review of credit reports as well as a search of public records. Once originated, agricultural loans are reviewed periodically. Financial statements are requested at least annually and are reviewed for substantial deviations or changes that might affect repayment of the loan. Loan officers also visit the premises of borrowers to observe the business premises, facilities, and personnel and to inspect the collateral. Underwriting standards for agricultural loans are different for each type of loan depending on the financial strength of the borrower and the value of collateral offered as security.
 
Farmland Loans. We originate first mortgage loans secured by farmland. At December 31, 2015, farmland loans totaled $17.7 million, or 2.1% of our total loan portfolio. Such loans are generally fixed-rate loans at a margin over the prime rate with terms up to five years and amortization schedules of up to 20 years (40 years if secured by a guarantee from the U. S. Farm Service Agency). Loans secured by farmland may be made in amounts up to 80% of the value of the farm. However, we will originate farmland loans in amounts up to 100% of the value of the farm if the borrower is able to secure a guarantee from the U.S. Farm Service Agency. Generally, we obtain personal guarantees of the borrower on all loans secured by farmland.
 
Consumer and Other Loans. We make various types of secured consumer loans that are collateralized by deposits, boats and automobiles as well as unsecured consumer loans. Such loans totaled $54.2 million, or 6.4% of our total loan portfolio at December 31, 2015. Included in other loans were $23.6 million in purchased commercial leases that are serviced by the Bank as of December 31, 2015. Consumer loans generally have a fixed rate at a margin over the prime rate and have terms of three years to ten years. At December 31, 2015, $6.4 million of our consumer loans were unsecured. Our procedure for underwriting consumer loans includes an assessment of the applicant's credit history and ability to meet existing obligations and payments for the proposed loan, as well as an evaluation of the value of the collateral security, if any.
Consumer loans generally entail greater risk than other types of loans, particularly in the case of loans that are unsecured or are secured by assets that tend to depreciate in value, such as automobiles. As a result, consumer loan collections are primarily dependent on the borrower's continuing financial stability and thus are more likely to be adversely affected by job loss, divorce, illness or personal bankruptcy. In these cases, repossessed collateral for a defaulted consumer loan may not provide an adequate source of repayment for the outstanding loan, and the remaining value often does not warrant further substantial collection efforts against the borrower.
 
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Multi-Family Loans. On occasion we will originate loans secured by multifamily real estate. At December 31, 2015, we had $12.6 million or 1.5% of our total loan portfolio in multifamily loans. Such loans may be either fixed- or adjustable-rate loans tied to the prime rate with terms to maturity up to five years and amortization schedules of up to 20 years. We will originate multifamily loans in amounts up to 80% of the value of the multi-family property. Nearly all of our multifamily loans are secured by properties in Louisiana. The underwriting of multi-family loans follows the general guidelines for our non-farm non-residential loans.
Loans secured by multi-family real estate generally involve a greater degree of credit risk than one- to four-family residential mortgage loans and carry larger loan balances. This increased credit risk is a result of several factors, including the concentration of principal in a limited number of loans and borrowers, the effects of general economic conditions on income producing properties, and the increased difficulty of evaluating and monitoring these types of loans. Furthermore, the repayment of loans secured by multi-family real estate typically depends upon the successful operation of the real estate property securing the loans. If the cash flow from the project is reduced, the borrower's ability to repay the loan may be impaired.
Loan Originations, Sales and Participations. Loan originations are derived from a number of sources such as referrals from our board of directors, existing customers, borrowers, builders, attorneys and walk-in customers. We generally retain the loans that we originate in our loan portfolio and only sell loans infrequently. We had $13.9 million at December 31, 2015 in purchased loan participations that were not syndicated loans. We had $23.6 million in purchased commercial leases that are serviced by the Bank as of December 31, 2015. At December 31, 2015, we had $105.9 million in syndicated loans, of which $89.4 million were shared national credits.
Loan Approval Authority. We establish various lending limits for executive management and also maintain a loan committee comprised of our directors and management. Generally, loan officers have authority to approve secured loan relationships in amounts up to $100,000 and unsecured loan relationships in amounts up to $25,000. For loans exceeding a loan officer's approval authority, we utilize two methods for approvals: (1) credit officers and (2) the Bank's loan committee. Loan relationships between $100,000 and $500,000 are approved by a combination of credit officers and executive management. The loan committee approves loan relationships of between $500,000 and up to $10.0 million. Any loan relationship exceeding $10.0 million requires the approval of the board of directors. Syndicated loans are approved by the Bank's syndicate loan committee in amounts up to $10.0 million.
Our lending activities are also subject to Louisiana statutes and internal guidelines limiting the amount we can lend to any one borrower. Subject to certain exceptions, under Louisiana law the Bank may not lend on an unsecured basis to any single borrower (i.e., any one individual or business entity and his or its affiliates) an amount in excess of 20% of the sum of the Bank's capital stock and surplus, or on a secured basis an amount in excess of 50% of the sum of the Bank's capital stock and surplus. At December 31, 2015, our secured legal lending limit was approximately $47.4 million and our unsecured legal lending limit was approximately $19.0 million. None of our borrowers are currently approaching these limits.
 
Deposit Products
Consumer and commercial deposits are attracted principally from within our primary market area through the offering of a selection of deposit instruments including noninterest-bearing and interest-bearing demand, savings accounts and time accounts. Deposit account terms vary according to the minimum balance required, the time period the funds must remain on deposit, and the interest rate. At December 31, 2015, we held $1.3 billion in deposits.
We actively seek to obtain public funds deposits. At December 31, 2015, public funds deposits totaled $568.7 million. We have developed a program for the retention and management of public funds deposits. These deposits are from local government entities such as school districts, hospital districts, sheriff departments and other municipalities. We solicit their operating, savings, and time deposits and we are often the fiscal agent for the municipality. The majority of these deposits are under contractual terms of up to three years. Public funds deposit accounts are collateralized by FHLB letters of credit and by eligible government and government agency securities such as those issued by the FHLB, FFCB, Fannie Mae, and Freddie Mac. We believe that public funds provide a low cost and stable source of funding. The public funds deposit portfolio has been a key driver of earnings for First Guaranty as we have profitability deployed these funds into investment securities and loans.
The interest rates paid by us on deposits are set at the direction of our executive management. Interest rates are determined based on our liquidity requirements, interest rates paid by our competitors, and our growth goals and applicable regulatory restrictions and requirements. At December 31, 2015, we had $26.7 million in brokered deposits.
Investments
Our investment policy is to provide a source of liquidity, to provide an appropriate return on funds invested, to manage interest rate risk and to meet pledging requirements for our public funds and other borrowings. Our investment securities consist of: (1) U.S. Treasury obligations; (2) U.S. government agency obligations; (3) mortgage-backed securities; (4) corporate and other debt securities; (5) mutual funds and other equity securities and (6) municipal bonds. Our U.S. government agency securities, primarily consisting of government-sponsored enterprises, comprise the largest share of our investment securities, having a fair value of $240.4 million, of which $163.8 million were classified as available-for-sale and $76.6 million as held-to-maturity, at December 31, 2015.
The Bank's management asset liability committee and board investment committee are responsible for regular review of our investment activities and the review and approval of our investment policy. These committees monitor our investment securities portfolio and direct our overall acquisition and allocation of funds, with the goal of structuring our portfolio such that our investment securities provide us with a stable source of income but without exposing us to an excessive degree of market risk. During the last five years, our securities portfolio has generated $92.5 million of pre-tax income. As of December 31, 2015, we had one other than temporary impairment of $0.2 million.
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Competition
We face intense competition both in making loans and attracting deposits. Our market areas in Louisiana have a high concentration of financial institutions, many of which are branches of large money center, super-regional and regional banks that have resulted from consolidation of the banking industry in Louisiana. Many of these competitors have greater resources than we do and may offer services that we do not provide, including more attractive pricing than we offer and more extensive branch networks for which they can offer their financial products.
Our larger competitors have a greater ability to finance wide-ranging advertising campaigns through their greater capital resources. Our marketing efforts depend heavily upon referrals from officers, directors and shareholders, selective advertising in local media and direct mail solicitations. We compete for business principally on the basis of personal service to customers, customer access to our officers and directors and competitive interest rates and fees. We also can offer new technologies such as our mobile app and mobile check deposit for consumers and remote deposit capture for commercial customers.
In the financial services industry in recent years, intense market demands, technological and regulatory changes and economic pressures have eroded industry classifications that were once clearly defined. Financial institutions have been forced to diversify their services, increase rates paid on deposits and become more cost effective as a result of competition with one another and with new types of financial services companies, including non-banking competitors. Some of the results of these market dynamics in the financial services industry have been a number of new bank and non-bank competitors, increased merger activity, and increased customer awareness of product and service differences among competitors. These factors could affect our business prospects.
Employees
At December 31, 2015, we had 267 full-time and 22 part-time employees. None of our employees is represented by a collective bargaining group or are parties to a collective bargaining agreement. We believe that our relationship with our employees is good.
Subsidiaries
Other than our wholly-owned bank subsidiary, First Guaranty Bank, we have no subsidiaries.
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Supervision and Regulation
 
General

First Guaranty Bank is a Louisiana-chartered commercial bank and is the wholly-owned subsidiary of First Guaranty Bancshares, a Louisiana-chartered banking holding company. First Guaranty Bank’s deposits are insured up to applicable limits by the FDIC. First Guaranty Bank is subject to extensive regulation by the OFI, as its chartering agency, and by the FDIC, its primary federal regulator and deposit insurer. First Guaranty Bank is required to file reports with, and is periodically examined by, the FDIC and the Louisiana Office of Financial Institutions (the “OFI”) concerning its activities and financial condition and must obtain regulatory approvals prior to entering into certain transactions, including, but not limited to, mergers with or acquisitions of other financial institutions. As a registered bank holding company, First Guaranty Bancshares is regulated by the Federal Reserve Board.
 
The regulatory and supervisory structure establishes a comprehensive framework of activities in which an institution can engage and is intended primarily for the protection of depositors and the deposit insurance funds, rather than for the protection of shareholders and creditors. The regulatory structure also gives the regulatory authorities extensive discretion in connection with their supervisory and enforcement activities and examination policies, including policies concerning the establishment of deposit insurance assessment fees, classification of assets and establishment of adequate loan loss reserves for regulatory purposes. Any change in such regulatory requirements and policies, whether by the Louisiana legislature, the OFI, the FDIC, the Federal Reserve Board or the United States Congress, could have a material adverse impact on the financial condition and results of operations of First Guaranty Bancshares and First Guaranty Bank. As is further described below, the Dodd-Frank Act has significantly changed the bank regulatory structure and may affect the lending, investment and general operating activities of depository institutions and their holding companies.
 
Set forth below is a summary of certain material statutory and regulatory requirements applicable to First Guaranty Bancshares and First Guaranty Bank. The summary is not intended to be a complete description of such statutes and regulations and their effects on First Guaranty Bancshares and First Guaranty Bank.
 
The Dodd-Frank Act
 
The Dodd-Frank Act significantly changed bank regulation and has affected the lending, investment, trading and operating activities of depository institutions and their holding companies. The Dodd-Frank Act also created the Consumer Financial Protection Bureau (CFPB) with extensive powers to supervise and enforce consumer protection laws. The CFPB has broad rule-making authority for a wide range of consumer protection laws that apply to all banks and savings institutions, including the authority to prohibit “unfair, deceptive or abusive” acts and practices. The CFPB also has examination and enforcement authority over all banks and savings institutions with more than $10 billion in assets. Banks and savings institutions with $10 billion or less in assets, such as First Guaranty Bank, will continue to be examined by their applicable federal bank regulators. The Dodd-Frank Act also gave state attorneys general the ability to enforce applicable federal consumer protection laws.
 
The Dodd-Frank Act broadened the base for FDIC assessments for deposit insurance, permanently increasing the maximum amount of deposit insurance to $250,000 per depositor. The Dodd-Frank Act also, among other things, requires originators of certain securitized loans to retain a portion of the credit risk, stipulates regulatory rate-setting for certain debit card interchange fees, repeals restrictions on the payment of interest on commercial demand deposits and contains a number of reforms related to mortgage originations. The Dodd-Frank Act increased the ability of shareholders to influence boards of directors by requiring companies to give shareholders a non-binding vote on executive compensation and so-called “golden parachute” payments. The Dodd-Frank Act also directed the Federal Reserve Board to promulgate rules prohibiting excessive compensation paid to company executives, regardless of whether the company is publicly traded or not.
 
Many of the provisions of the Dodd-Frank Act are subject to delayed effective dates or require the implementing regulations and, therefore, their impact on our operations cannot be fully determined at this time. However, it is likely that the Dodd-Frank Act will increase the regulatory burden, operating costs, compliance costs and interest expense for First Guaranty Bank and First Guaranty Bancshares.
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SBLF Participation
 
On December 22, 2015, First Guaranty redeemed all of the 39,435 shares of its Senior Non-Cumulative Perpetual Preferred Stock, Series C, that had been issued to the United States Department of Treasury pursuant to SBLF in September 2011.  The shares were redeemed at their liquidation value of $1,000 per share plus accrued and unpaid dividends for a total redemption price of $39.5 million.
 
Louisiana Bank Regulation
 
As a Louisiana-chartered bank, First Guaranty Bank is subject to the regulation and supervision of the OFI. Under Louisiana law, First Guaranty Bank may establish additional branch offices within Louisiana, subject to the approval of OFI. After the Dodd-Frank Act, we can also establish additional branch offices outside of Louisiana, subject to prior regulatory approval, as long as the laws of the state where the branch is to be located would permit such expansion. In addition, First Guaranty Bank is the primary source of our dividend payments, and our ability to pay dividends will be subject to any restrictions applicable to the Bank. Under Louisiana law, a Louisiana bank may not pay cash dividends unless the bank has unimpaired surplus equal to 50% of its outstanding capital stock, both before and after giving effect to the dividend payment. Subject to satisfying such requirement, First Guaranty Bank may pay dividends to us without the approval of the OFI so long as the amount of the dividend does not exceed its net profits earned during the current year combined with its retained earnings for the immediately preceding year. The OFI must approve any proposed dividend in excess of this threshold.
 
Federal Regulations
 
Capital Requirements. Federal regulations require FDIC-insured depository institutions to meet several minimum capital standards:  a common equity Tier 1 capital to risk-based assets ratio of 4.5%, a Tier 1 capital to risk-based assets ratio of 6.0%, a total capital to risk-based assets of 8%, and a 4% Tier 1 capital to total assets leverage ratio. The existing capital requirements were effective January 1, 2015 and are the result of a final rule implementing regulatory amendments based on recommendations of the Basel Committee on Banking Supervision and certain requirements of the Dodd-Frank Act.
 
For purposes of the regulatory capital requirements, common equity Tier 1 capital is generally defined as common stockholders' equity and retained earnings. Tier 1 capital is generally defined as common equity Tier 1 and additional Tier 1 capital. Additional Tier 1 capital includes certain noncumulative perpetual preferred stock and related surplus and minority interests in equity accounts of consolidated subsidiaries. Total capital includes Tier 1 capital (common equity Tier 1 capital plus additional Tier 1 capital) and Tier 2 capital. Tier 2 capital is comprised of capital instruments and related surplus, meeting specified requirements, and may include cumulative preferred stock and long-term perpetual preferred stock, mandatory convertible securities, intermediate preferred stock and subordinated debt. Also included in Tier 2 capital is the allowance for loan and lease losses limited to a maximum of 1.25% of risk-weighted assets and, for institutions such as First Guaranty Bank, that have exercised an opt-out election regarding the treatment of Accumulated Other Comprehensive Income ("AOCI"), up to 45% of net unrealized gains on available-for-sale equity securities with readily determinable fair market values. Calculation of all types of regulatory capital is subject to deductions and adjustments specified in the regulations.
 
In determining the amount of risk-weighted assets for purposes of calculating risk-based capital ratios, all assets, including certain off-balance sheet assets (e.g., recourse obligations, direct credit substitutes, residual interests) are multiplied by a risk weight factor assigned by the regulations based on the risks believed inherent in the type of asset. Higher levels of capital are required for asset categories believed to present greater risk. For example, a risk weight of 0% is assigned to cash and U.S. government securities, a risk weight of 50% is generally assigned to prudently underwritten first lien one to four- family residential mortgages, a risk weight of 100% is assigned to commercial and consumer loans, a risk weight of 150% is assigned to certain past due loans and a risk weight of between 0% to 600% is assigned to permissible equity interests, depending on certain specified factors.
In addition to establishing the minimum regulatory capital requirements, the regulations limit capital distributions and certain discretionary bonus payments to management if the institution does not hold a "capital conservation buffer" consisting of 2.5% of common equity Tier 1 capital to risk-weighted asset above the amount necessary to meet its minimum risk-based capital requirements. The capital conservation buffer requirement is being phased in beginning January 1, 2016 at 0.625% of risk-weighted assets and increasing each year until fully implemented at 2.5% on January 1, 2019.
In assessing an institution's capital adequacy, the FDIC takes into consideration, not only these numeric factors, but qualitative factors as well, and has the authority to establish higher capital requirements for individual institutions where deemed necessary.
 
At December 31, 2015, First Guaranty Bank was well-capitalized based on FDIC guidelines.
 
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Standards for Safety and Soundness. As required by statute, the federal banking agencies have adopted final regulations and Interagency Guidelines Establishing Standards for Safety and Soundness to implement safety and soundness standards. The guidelines set forth the safety and soundness standards that the federal banking agencies use to identify and address problems at insured depository institutions before capital becomes impaired. The guidelines address internal controls and information systems, internal audit system, credit underwriting, loan documentation, interest rate exposure, asset growth, asset quality, earnings, compensation, fees and benefits and, more recently, safeguarding customer information. If the appropriate federal banking agency determines that an institution fails to meet any standard prescribed by the guidelines, the agency may require the institution to submit to the agency an acceptable plan to achieve compliance with the standard.
 
Business and Investment Activities. Under federal law, all state-chartered FDIC-insured banks have been limited in their activities as principal and in their equity investments to the type and the amount authorized for national banks, notwithstanding state law. Federal law permits exceptions to these limitations. For example, certain state-chartered banks may, with FDIC approval, continue to exercise state authority to invest in common or preferred stocks listed on a national securities exchange and in the shares of an investment company registered under the Investment Company Act of 1940, as amended. The maximum permissible investment is the lesser of 100.0% of Tier 1 capital or the maximum amount permitted by Louisiana law.
 
The FDIC is also authorized to permit state banks to engage in state authorized activities or investments not permissible for national banks (other than non-subsidiary equity investments) if they meet all applicable capital requirements and it is determined that such activities or investments do not pose a significant risk to the FDIC insurance fund. The FDIC has adopted regulations governing the procedures for institutions seeking approval to engage in such activities or investments. The Gramm-Leach-Bliley Act of 1999 specified that a state bank may control a subsidiary that engages in activities as principal that would only be permitted for a national bank to conduct in a “financial subsidiary,” if a bank meets specified conditions and deducts its investment in the subsidiary for regulatory capital purposes.

Prompt Corrective Regulatory Action. Federal law requires, among other things, that federal bank regulatory authorities take “prompt corrective action” with respect to banks that do not meet minimum capital requirements. For these purposes, the law establishes five capital categories: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized.
 
The applicable FDIC regulations were amended to incorporate the previously mentioned increased regulatory capital standards that were effective January 1, 2015. Under the amended regulations, an institution is deemed to be "well capitalized" if it has a total risk-based capital ratio of 10.0% or greater, a Tier 1 risk-based capital ratio of 8.0% or greater, a leverage ratio of 5.0% or greater and a common equity Tier 1 ratio of 6.5% or greater. An institution is "adequately capitalized" if it has a total risk-based capital ratio of 8.0% or greater, a Tier 1 risk-based capital ratio of 6.0% or greater, a leverage ratio of 4.0% or greater and a common equity Tier 1 ratio of 4.5% or greater. An institution is "undercapitalized" if it has a total risk-based capital ratio of less than 8.0%, a Tier 1 risk-based capital ratio of less than 6.0%, a leverage ratio of less than 4.0% or a common equity Tier 1 ratio of less than 4.5%. An institution is deemed to be "significantly undercapitalized" if it has a total risk-based capital ratio of less than 6.0%, a Tier 1 risk-based capital ratio of less than 4.0%, a leverage ratio of less than 3.0% or a common equity Tier 1 ratio of less than 3.0%. An institution is considered to be "critically undercapitalized" if it has a ratio of tangible equity (as defined in the regulations) to total assets that is equal to or less than 2.0%.
 
“Undercapitalized” banks must adhere to growth, capital distribution (including dividend) and other limitations and are required to submit a capital restoration plan. A bank’s compliance with such a plan must be guaranteed by any company that controls the undercapitalized institution in an amount equal to the lesser of 5% of the institution’s total assets when deemed undercapitalized or the amount necessary to achieve the status of adequately capitalized. If an “undercapitalized” bank fails to submit an acceptable plan, it is treated as if it is “significantly undercapitalized.” “Significantly undercapitalized” banks must comply with one or more of a number of additional measures, including, but not limited to, a required sale of sufficient voting stock to become adequately capitalized, a requirement to reduce total assets, cessation of taking deposits from correspondent banks, the dismissal of directors or officers and restrictions on interest rates paid on deposits, compensation of executive officers and capital distributions by the parent holding company. “Critically undercapitalized” institutions are subject to additional measures including, subject to a narrow exception, the appointment of a receiver or conservator within 270 days after it obtains such status.
 
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Transactions with Related Parties. Transactions between a bank (and, generally, its subsidiaries) and its related parties or affiliates are limited by Sections 23A and 23B of the Federal Reserve Act. An affiliate of a bank is any company or entity that controls, is controlled by or is under common control with the bank. In a holding company context, the parent bank holding company and any companies which are controlled by such parent holding company are affiliates of the bank. Generally, Sections 23A and 23B of the Federal Reserve Act limit the extent to which the bank or its subsidiaries may engage in “covered transactions” with any one affiliate to 10% of such institution’s capital stock and surplus and contain an aggregate limit on all such transactions with all affiliates to an amount equal to 20% of such institution’s capital stock and surplus. The term “covered transaction” includes the making of loans, purchase of assets, issuance of a guarantee and similar transactions. In addition, loans or other extensions of credit by the institution to the affiliate are required to be collateralized in accordance with specified requirements. The law also requires that affiliate transactions be on terms and conditions that are substantially the same, or at least as favorable to the institution, as those provided to non-affiliates.
 
First Guaranty Bank’s authority to extend credit to its directors, executive officers and 10% shareholders, as well as to entities controlled by such persons, is currently governed by the requirements of Sections 22(g) and 22(h) of the Federal Reserve Act and Regulation O of the Federal Reserve Board. Among other things, these provisions generally require that extensions of credit to insiders:
 
●
be made on terms that are substantially the same as, and follow credit underwriting procedures that are not less stringent than, those prevailing for comparable transactions with unaffiliated persons and that do not involve more than the normal risk of repayment or present other unfavorable features; and
 
●
not exceed certain limitations on the amount of credit extended to such persons, individually and in the aggregate, which limits are based, in part, on the amount of First Guaranty Bank’s capital.
 
In addition, extensions of credit in excess of certain limits must be approved by First Guaranty Bank’s board of directors. Extensions of credit to executive officers are subject to additional limits based on the type of extension involved.
 
Enforcement. The FDIC has extensive enforcement authority over insured state banks, including First Guaranty Bank. That enforcement authority includes, among other things, the ability to assess civil money penalties, issue cease and desist orders and remove directors and officers. In general, enforcement actions may be initiated in response to violations of laws and regulations and unsafe or unsound practices. The FDIC also has authority under federal law to appoint a conservator or receiver for an insured bank under certain circumstances. The FDIC is required, with certain exceptions, to appoint a receiver or conservator for an insured state non-member bank if that bank was “critically undercapitalized” on average during the calendar quarter beginning 270 days after the date on which the institution became “critically undercapitalized.”
 
Federal Insurance of Deposit Accounts. The Dodd-Frank Act permanently increased the maximum amount of deposit insurance for banks, savings institutions and credit unions to $250,000 per depositor.
 
Under the FDIC’s risk-based assessment system, insured institutions are assigned to one of four risk categories based on supervisory evaluations, regulatory capital levels and certain other risk factors. Rates are based on each institution’s risk category and certain specified risk adjustments. Stronger institutions pay lower rates while riskier institutions pay higher rates.
 
The FDIC published a final rule under the Dodd-Frank Act to reform the deposit insurance assessment system. The rule redefined the assessment base used for calculating deposit insurance assessments effective April 1, 2011. Under the rule, assessments are based on an institution’s average consolidated total assets minus average tangible equity instead of total deposits. The rule revised the assessment rate schedule to establish assessments ranging from 2.5 to 45 basis points.
 
In addition to the FDIC assessments, the Financing Corporation (“FICO”) is authorized to impose and collect, with the approval of the FDIC, assessments for anticipated payments, issuance costs and custodial fees on bonds issued by the FICO in the 1980s to recapitalize the former Federal Savings and Loan Insurance Corporation. The bonds issued by the FICO are due to mature in 2017 through 2019. For the quarter ended December 31, 2015, the annualized Financing Corporation assessment was equal to 0.60 of a basis point of total assets less tangible capital.
 
The Dodd-Frank Act increased the minimum target Deposit Insurance Fund ratio from 1.15% of estimated insured deposits to 1.35% of estimated insured deposits. The FDIC must seek to achieve the 1.35% ratio by September 30, 2020. It is intended that insured institutions with assets of $10 billion or more will fund the increase. The Dodd-Frank Act eliminated the 1.5% maximum fund ratio, instead leaving it to the discretion of the FDIC and the FDIC has exercised that discretion by establishing a long-term fund ratio of 2%.
 
The FDIC has authority to increase insurance assessments. Any significant increases would have an adverse effect on the operating expenses and results of operations of First Guaranty Bank. Management cannot predict what assessment rates will be in the future.
 
Insurance of deposits may be terminated by the FDIC upon a finding that an institution has engaged in unsafe or unsound practices, is in an unsafe or unsound condition to continue operations or has violated any applicable law, regulation, rule, order or condition imposed by the FDIC. We do not currently know of any practice, condition or violation that may lead to termination of our deposit insurance.
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Community Reinvestment Act. Under the CRA, a bank has a continuing and affirmative obligation, consistent with its safe and sound operation, to help meet the credit needs of its entire community, including low and moderate income neighborhoods. The CRA does not establish specific lending requirements or programs for financial institutions nor does it limit an institution’s discretion to develop the types of products and services that it believes are best suited to its particular community. The CRA does require the FDIC, in connection with its examination of a bank, to assess the institution’s record of meeting the credit needs of its community and to take such record into account in its evaluation of certain applications by such institution, including applications to establish or acquire branches and merger with other depository institutions. The CRA requires the FDIC to provide a written evaluation of an institution’s CRA performance utilizing a four-tiered descriptive rating system. First Guaranty Bank’s latest FDIC CRA rating, dated June 28, 2013, was “satisfactory.”
 
Federal Reserve System. The Federal Reserve Board regulations require savings institutions to maintain non interest-earning reserves against their transaction accounts (primarily negotiable order of withdrawal (NOW) and regular checking accounts). For 2015, the regulations generally provide that reserves be maintained against aggregate transaction accounts as follows: a 3% reserve ratio is assessed on net transaction accounts up to and including $103.6 million; a 10% reserve ratio is applied above $103.6 million. The first $14.5 million of otherwise reservable balances are exempted from the reserve requirements. The amounts are adjusted annually. First Guaranty Bank complies with the foregoing requirements.
 
FHLB System. First Guaranty Bank is a member of the FHLB System, which consists of twelve regional FHLBs. The FHLB System provides a central credit facility primarily for member institutions as well as other entities involved in home mortgage lending. As a member of the FHLB, First Guaranty Bank is required to acquire and hold a specified amount of shares of capital stock in the FHLB. As of December 31, 2015, First Guaranty Bank complies with this requirement.
 
Other Regulations
 
Interest and other charges collected or contracted for by First Guaranty Bank are subject to state usury laws and federal laws concerning interest rates. First Guaranty Bank’s operations are also subject to federal laws applicable to credit transactions, such as the:
 
●
Truth-In-Lending Act, governing disclosures of credit terms to consumer borrowers;
 
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Real Estate Settlement Procedures Act, requiring that borrowers for mortgage loans for one- to four-family residential real estate receive various disclosures, including good faith estimates of settlement costs, lender servicing and escrow account practices, and prohibiting certain practices that increase the cost of settlement services;
 
●
Home Mortgage Disclosure Act, requiring financial institutions to provide information to enable the public and public officials to determine whether a financial institution is fulfilling its obligation to help meet the housing needs of the community it serves;
 
●
Equal Credit Opportunity Act, prohibiting discrimination on the basis of race, creed or other prohibited factors in extending credit;
 
●
Fair Credit Reporting Act, governing the use and provision of information to credit reporting agencies;
 
●
Fair Debt Collection Act, governing the manner in which consumer debts may be collected by collection agencies;
 
●
Truth in Savings Act; and
 
●
Rules and regulations of the various federal agencies charged with the responsibility of implementing such federal laws.
 
The operations of First Guaranty Bank also are subject to the:
 
●
Right to Financial Privacy Act, which imposes a duty to maintain confidentiality of consumer financial records and prescribes procedures for complying with administrative subpoenas of financial records;
 
●
Electronic Funds Transfer Act and Regulation E promulgated thereunder, which govern automatic deposits to and withdrawals from deposit accounts and customers’ rights and liabilities arising from the use of automated teller machines and other electronic banking services;
 
●
Check Clearing for the 21st Century Act (also known as “Check 21”), which gives “substitute checks,” such as digital check images and copies made from that image, the same legal standing as the original paper check;
 
●
USA PATRIOT Act, which requires banks operating to, among other things, establish broadened anti-money laundering compliance programs, due diligence policies and controls to ensure the detection and reporting of money laundering. Such required compliance programs are intended to supplement existing compliance requirements, also applicable to financial institutions, under the Bank Secrecy Act and the Office of Foreign Assets Control regulations; and
 
●
Gramm-Leach-Bliley Act, which places limitations on the sharing of consumer financial information by financial institutions with unaffiliated third parties. Specifically, the Gramm-Leach-Bliley Act requires all financial institutions offering financial products or services to retail customers to provide such customers with the financial institution’s privacy policy and provide such customers the opportunity to “opt out” of the sharing of certain personal financial information with unaffiliated third parties.
 
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Holding Company Regulation
 
As a bank holding company, First Guaranty is subject to examination, regulation, and periodic reporting under the Bank Holding Company Act of 1956, as amended, as administered by the Federal Reserve Board. We are required to obtain the prior approval of the Federal Reserve Board to acquire all, or substantially all, of the assets of any bank or bank holding company. Prior Federal Reserve Board approval would be required for us to acquire direct or indirect ownership or control of any voting securities of any bank or bank holding company if it would, directly or indirectly, own or control more than 5% of any class of voting shares of the bank or bank holding company.
 
A bank holding company is generally prohibited from engaging in, or acquiring, direct or indirect control of more than 5% of the voting securities of any company engaged in non-banking activities. One of the principal exceptions to this prohibition is for activities found by the Federal Reserve Board to be so closely related to banking or managing or controlling banks as to be a proper incident thereto. Some of the principal activities that the Federal Reserve Board has determined by regulation to be closely related to banking are: (1) making or servicing loans; (2) performing certain data processing services; (3) providing securities brokerage services; (4) acting as fiduciary, investment or financial advisor; (5) leasing personal or real property under certain conditions; (6) making investments in corporations or projects designed primarily to promote community welfare; and (7) acquiring a savings association.
 
The Gramm-Leach-Bliley Act of 1999 authorizes a bank holding company that meets specified conditions, including depository institutions subsidiaries that are “well capitalized” and “well managed,” to opt to become a “financial holding company.” A “financial holding company” may engage in a broader array of financial activities than permitted a typical bank holding company. Such activities can include insurance underwriting and investment banking. We have not elected “financial holding company” status.
 
The Dodd-Frank Act required the Federal Reserve Board to revise its consolidated capital requirements for holding companies so that they are no less stringent, both quantitatively and in terms of components of capital, than those applicable to the subsidiary banks. This eliminated certain instruments from tier 1 capital, such as trust preferred securities that were previously includable for bank holding companies. The previously mentioned new capital rules were also effective for First Guaranty on January 1, 2015 and are the same rules as apply to First Guaranty Bank.
 
We are subject to the Federal Reserve Board’s consolidated capital adequacy guidelines for bank holding companies as we have more than $1.0 billion in total assets, subject to certain grandfathered rules.
 
A bank holding company is generally required to give the Federal Reserve Board prior written notice of any purchase or redemption of then outstanding equity securities if the gross consideration for the purchase or redemption, when combined with the net consideration paid for all such purchases or redemptions during the preceding 12 months, is equal to 10% or more of the company’s consolidated net worth. The Federal Reserve Board may disapprove such a purchase or redemption if it determines that the proposal would constitute an unsafe and unsound practice, or would violate any law, regulation, Federal Reserve Board order or directive, or any condition imposed by, or written agreement with, the Federal Reserve Board. The Federal Reserve Board has adopted an exception to that approval requirement for well-capitalized bank holding companies that meet certain other conditions.
 
The Federal Reserve Board has issued a policy statement regarding the payment of dividends by bank holding companies. In general, the Federal Reserve Board’s policies provide that dividends should be paid only out of current earnings and only if the prospective rate of earnings retention by the bank holding company appears consistent with the organization’s capital needs, asset quality and overall financial condition. The Federal Reserve Board’s policies also require that a bank holding company serve as a source of financial strength to its subsidiary banks by using available resources to provide capital funds during periods of financial stress or adversity and by maintaining the financial flexibility and capital-raising capacity to obtain additional resources for assisting its subsidiary banks where necessary. The Dodd-Frank Act codified the source of strength policy and requires the promulgation of implementing regulations. Under the prompt corrective action laws, the ability of a bank holding company to pay dividends may be restricted if a subsidiary bank becomes undercapitalized. These regulatory policies could affect our ability to pay dividends or otherwise engage in capital distributions.
 
The Federal Deposit Insurance Act makes depository institutions liable to the FDIC for losses suffered or anticipated by the insurance fund in connection with the default of a commonly controlled depository institution or any assistance provided by the FDIC to such an institution in danger of default. That law would have potential applicability if we ever held as a separate subsidiary a depository institution in addition to the Bank.
 
We are affected by the monetary and fiscal policies of various agencies of the United States Government, including the Federal Reserve System. In view of changing conditions in the national economy and in the money markets, it is impossible for management to accurately predict future changes in monetary policy or the effect of such changes on our business or financial condition.
 
Federal Securities Laws
 
First Guaranty's common stock is registered with the Securities and Exchange Commission under the Securities Exchange Act of 1934. First Guaranty is subject to the information, proxy solicitation, insider trading restrictions and other requirements under the Securities Exchange Act of 1934.
 
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Sarbanes-Oxley Act
 
The Sarbanes-Oxley Act addresses, among other issues, corporate governance, auditing and accounting, executive compensation, and enhanced and timely disclosure of corporate information. As directed by the Sarbanes-Oxley Act, our Chief Executive Officer and Chief Financial Officer are required to certify that our quarterly and annual reports do not contain any untrue statement of a material fact. The rules adopted by the Securities and Exchange Commission under the Sarbanes-Oxley Act have several requirements, including having these officers certify that: they are responsible for establishing, maintaining and regularly evaluating the effectiveness of our internal control over financial reporting; they have made certain disclosures to our auditors and the audit committee of the board of directors about our internal control over financial reporting; and they have included information in our quarterly and annual reports about their evaluation and whether there have been changes in our internal control over financial reporting or in other factors that could materially affect internal control over financial reporting. We have prepared policies, procedures and systems designed to ensure compliance with these regulations.
 
Concentrated Commercial Real Estate Lending Regulations.
 
The Federal Reserve Board and FDIC have promulgated guidance governing financial institutions with concentrations in commercial real estate lending. The guidance provides that a company has a concentration in commercial real estate lending if (i) total reported loans for construction, land development, and other land represent 100% or more of total capital or (ii) total reported loans secured by multifamily and non-farm residential properties and loans for construction, land development, and other land represent 300% or more of total capital and the outstanding balance of such loans has increased 50% or more during the prior 36 months. If a concentration is present, Management must employ heightened risk management practices including board and Management oversight and strategic planning, development of underwriting standards, risk assessment and monitoring through market analysis and stress testing, and increasing capital requirements. First Guaranty is subject to these regulations.
 
 
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An investment in shares of our common stock involves substantial risks. You should carefully consider, among other matters, the factors set forth below as well as the other information included in this Annual Report on Form 10-K before deciding whether an investment in shares of our common stock is suitable for you. If any of the risks described herein develop into actual events, our business, financial condition, liquidity, results of operations and prospects could be materially and adversely affected, the market price of our common stock could decline and you may lose all or part of your investment.
 
Risks Related to Our Business and Operations
 
Adverse events in Louisiana, where our business is concentrated, could adversely affect our results of operations and future growth.
 
Our business, the location of our branches and the real estate used as collateral on our real estate loans are primarily concentrated in Louisiana. At December 31, 2015, approximately 74.1% of the secured loans in our loan portfolio were secured by real estate and other collateral located in Louisiana. As a result, we are exposed to risks associated with a lack of geographic diversification. The occurrence of an economic downturn in Louisiana, the current budget crisis, or adverse changes in laws or regulations in Louisiana could impact the credit quality of our assets, the businesses of our customers and our ability to expand our business. Our success significantly depends upon the growth in population, income levels, deposits and housing in our market area. If the communities in which we operate do not grow or if prevailing economic conditions locally or nationally are unfavorable, our business may be negatively affected.
 
Material fluctuations in the price of oil and gas could adversely affect our business. At December 31, 2015, approximately $27.3 million, or 3.2% of our total loan portfolio was comprised of loans to businesses engaged in support or service activities for oil and gas operations. We had $7.9 million in unfunded commitments related to these businesses. In addition, the market value of the real estate securing loans as collateral could be adversely affected by unfavorable changes in market and economic conditions. Adverse developments affecting commerce or real estate values in the local economies in our primary market areas could increase the credit risk associated with our loan portfolio. In addition, substantially all of our loans are to individuals and businesses in Louisiana. Our business customers may not have customer bases that are as diverse as businesses serving regional or national markets. Consequently, any decline in the economy of our market area could have an adverse impact on our revenues and financial condition. In particular, we may experience increased loan delinquencies, which could result in a higher provision for loan losses and increased charge-offs. Any sustained period of increased non-payment, delinquencies, foreclosures or losses caused by adverse market or economic conditions in our market area could adversely affect the value of our assets, revenues, results of operations and financial condition.
 
We have a significant number of loans secured by real estate, and a downturn in the local real estate market could negatively impact our profitability.
 
At December 31, 2015, approximately 63.9% of our total loan portfolio was secured by real estate, almost all of which is located in Louisiana. As a result of the severe recession in 2008 and 2009, real estate values nationally and in our Louisiana markets declined. Recently, real estate values both nationally and in our market areas have shown improvement. Future declines in the real estate values in our Louisiana markets could significantly impair the value of the particular collateral securing our loans and our ability to sell the collateral upon foreclosure for an amount necessary to satisfy the borrower's obligations to us. This could require increasing our allowance for loan losses to address the decrease in the value of the real estate securing our loans which could have a material adverse effect on our business, financial condition, results of operations and growth prospects.
 
Our loan portfolio consists of a high percentage of loans secured by non-farm non-residential real estate. These loans carry a greater credit risk than loans secured by one- to four-family properties.
 
Our loan portfolio includes non-farm non-residential real estate loans, primarily loans secured by commercial real estate such as office buildings, hotels and retail facilities. At December 31, 2015, our non-farm non-residential loans totaled $323.4 million, or 38.3% of our total loan portfolio. Our non-farm non-residential real estate loans expose us to greater risk of nonpayment and loss than one- to four-family family residential mortgage loans because repayment of the loans often depends on the successful operation and income stream of the borrowers. If we foreclose on these loans, our holding period for the collateral typically is longer than for a one- to four-family residential property because there are fewer potential purchasers of the collateral. In addition, non-farm non-residential real estate loans typically involve larger loan balances to single borrowers or groups of related borrowers compared to one- to four-family residential loans. Accordingly, charge-offs on non-farm non-residential loans may be larger on a per loan basis than those incurred with our residential or consumer loan portfolios. An unexpected adverse development on one or more of these types of loans can expose us to a significantly greater risk of loss compared to an adverse development with respect to a one- to four-family residential mortgage loan.
 
A large portion of our loan portfolio is comprised of commercial and industrial loans secured by receivables, inventory, equipment or other commercial collateral, the deterioration in value of which could increase the potential for future losses.
 
At December 31, 2015, $224.2 million, or 26.6% of our total loans, was comprised of commercial and industrial loans to businesses collateralized by general business assets including, among other things, accounts receivable, inventory and equipment and generally backed by a personal guaranty of the borrower or principal. These commercial and industrial loans are typically larger in amount than loans to individuals and, therefore, have the potential for larger losses on a single loan basis. Additionally, the repayment of commercial and industrial loans is subject to the ongoing business operations of the borrower. The collateral securing such loans generally includes movable property such as equipment and inventory, which may decline in value more rapidly than we anticipate, or may be difficult to market and sell, exposing us to increased credit risk. Significant adverse changes in the economy or local market conditions in which our commercial lending customers operate could cause rapid declines in loan collectability and the values associated with general business assets, resulting in inadequate collateral coverage that may expose us to credit losses and could adversely affect our business, financial condition and results of operations.
 
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A portion of our loan portfolio consists of syndicated loans, including syndicated loans known as shared national credits, secured by assets located generally outside of our market area. Syndicated loans may have a higher risk of loss than other loans we originate because we are not the lead lender and we have limited control over credit monitoring.
 
Over the last eight years, we have pursued a focused program to participate in select syndicated loans (loans made by a group of lenders, including us, who share or participate in a specific loan) with a larger regional financial institution as the lead lender. Syndicated loans are typically made to large businesses (which are referred to as shared national credits) or middle market companies (which do not meet the regulatory definition of shared national credits), both of which are secured by business assets or equipment, and commercial real estate located generally outside of our market area. The syndicate group for both types of loans usually consists of two to three other financial institutions. First Guaranty's commitment typically ranges between $5.0 million to $10.0 million.  At December 31, 2015, we had $105.9 million in syndicated loans, or 12.6% of our total loan portfolio. At December 31, 2015, shared national credit loans totaled $89.4 million, or 10.6% of our total loan portfolio. In addition at December 31, 2015, we had $16.5 million in syndicated loans that were not shared national credits. Syndicated loans may have a higher risk of loss than other loans we originate because we rely on the lead lender to monitor the performance of the loan. Moreover, our decision regarding the classification of a syndicated loan and loan loss provisions associated with a syndicated loan are made in part based upon information provided by the lead lender. A lead lender also may not monitor a syndicated loan in the same manner as we would for other loans that we originate. If our underwriting of these syndicated loans is not sufficient, our non-performing loans may increase and our earnings may decrease.
 
Curtailment of government guaranteed loan programs could affect a segment of our business, and government agencies may not honor their guarantees if we do not originate loans in compliance with their guidelines.
 
As of December 31, 2015, $26.8 million, or 3.2% of our total loan portfolio, were comprised of loans where all or some portion of the loans were guaranteed through the SBA, USDA or FSA lending programs, and we intend to grow this segment of our portfolio in the future. From time to time, the government agencies that guarantee these loans reach their internal limits and cease to guarantee loans. In addition, these agencies may change their rules for loans or Congress may adopt legislation that would have the effect of discontinuing or changing the loan programs. Non-governmental programs could replace government programs for some borrowers, but the terms might not be equally acceptable. Therefore, if these changes occur, the volume of loans to small business, industrial and agricultural borrowers of the types that now qualify for government guaranteed loans could decline. Also, the profitability of these loans could decline.
 
In addition, while we follow the SBA's, USDA's and FSA's underwriting guidelines, our ability to do so depends on the knowledge and diligence of our employees and the effectiveness of controls we have established. If our employees do not follow the SBA, USDA or FSA guidelines in originating loans and if our loan review and audit programs fail to identify and rectify such failures, the government agencies that guarantee these loans may refuse to honor their guarantee obligations and we may incur losses as a result.
 
Interest rate shifts may reduce net interest income and otherwise negatively impact our financial condition and results of operations.
 
The majority of our banking assets are monetary in nature and subject to risk from changes in interest rates. Like most financial institutions, our earnings and cash flows depend to a great extent upon the level of our net interest income, or the difference between the interest income we earn on loans, investments and other interest-earning assets, and the interest we pay on interest-bearing liabilities, such as deposits and borrowings. Changes in interest rates can increase or decrease our net interest income, because different types of assets and liabilities may react differently, and at different times, to market interest rate changes.
 
When interest-bearing liabilities mature or reprice more quickly, or to a greater degree than interest-earning assets in a period, an increase in interest rates could reduce net interest income. Similarly, when interest-earning assets mature or reprice more quickly, or to a greater degree than interest-bearing liabilities, falling interest rates could reduce net interest income. Additionally, an increase in interest rates may, among other things, reduce the demand for loans and our ability to originate loans and decrease loan repayment rates. A decrease in the general level of interest rates may affect us through, among other things, increased prepayments on our loan portfolio and increased competition for deposits. Accordingly, changes in the level of market interest rates affect our net yield on interest-earning assets, loan origination volume and our overall results. Although our asset-liability management strategy is designed to control and mitigate exposure to the risks related to changes in market interest rates, those rates are affected by many factors outside of our control, including governmental monetary policies, inflation, deflation, recession, changes in unemployment, the money supply, international disorder and instability in domestic and foreign financial markets.
 
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We could recognize losses on securities held in our securities portfolio, particularly if interest rates increase or economic and market conditions deteriorate.
 
While we attempt to invest a significant percentage of our assets in loans (our loan to deposit ratio was 64.9% at December 31, 2015), we invest a large portion of our total assets (37.4% at December 31, 2015) in investment securities with the primary objectives of providing a source of liquidity, generating an appropriate return on funds invested, managing interest rate risk, meeting pledging requirements of our public funds deposits and meeting regulatory capital requirements. At December 31, 2015, the carrying value of our securities portfolio was $546.1 million. Factors beyond our control can significantly influence the fair value of securities in our portfolio and can cause potential adverse changes to the fair value of these securities. For example, fixed-rate securities are generally subject to decreases in market value when interest rates rise. Additional factors include, but are not limited to, rating agency downgrades of the securities, defaults by the issuer or individual borrowers with respect to the underlying securities, and continued instability in the credit markets. Any of the foregoing factors could cause an other-than-temporary impairment in future periods and result in realized losses. The process for determining whether impairment is other-than-temporary usually requires difficult, subjective judgments about the future financial performance of the issuer and any collateral underlying the security in order to assess the probability of receiving all contractual principal and interest payments on the security. In 2015, First Guaranty deemed two corporate debt securities to be other-than-temporarily impaired. Credit related impairment in the amount of $0.2 million was charged to earnings. Non-credit related other-than-temporary impairment of $0.4 million was recorded in other comprehensive income. Because of changing economic and market conditions affecting interest rates, the financial condition of issuers of the securities and the performance of the underlying collateral, we may recognize realized and/or unrealized losses in future periods, which could have an adverse effect on our business, financial condition and results of operations.
 
Public funds deposits are an important source of funds for us and a reduced level of those deposits may hurt our profits.
 
Public funds deposits are a significant source of funds for our lending and investment activities. At December 31, 2015, $568.7 million, or 43.9% of our total deposits, consisted of public funds deposits from local government entities such as school districts, hospital districts, sheriff departments and other municipalities, which are collateralized by letters of credit from the Federal Home Loan Bank ("FHLB") and investment securities. Given our dependence on high-average balance public funds deposits as a source of funds, our inability to retain such funds could significantly and adversely affect our liquidity. Further, our public funds deposits are primarily demand deposit accounts or short-term time deposits and are therefore more sensitive to interest rate risks. If we are forced to pay higher rates on our public funds accounts to retain those funds, or if we are unable to retain such funds and we are forced to resort to other sources of funds for our lending and investment activities, such as borrowings from the FHLB, the interest expense associated with these other funding sources may be higher than the rates we are currently paying on our public funds deposits, which would adversely affect our net income.
 
Our strategy of pursuing acquisitions exposes us to financial, execution and operational risks that could have a material adverse effect on our business, financial condition, results of operations and growth prospects.
 
We have selectively acquired financial institutions over the past ten years. We intend to continue pursuing a strategy that includes acquisitions. An acquisition strategy involves significant risks, including the following:
 
•
finding suitable candidates for acquisition;
 
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attracting funding to support additional growth within acceptable risk tolerances;
 
•
maintaining asset quality;
 
•
retaining customers and key personnel;
 
•
obtaining necessary regulatory approvals;
 
•
conducting adequate due diligence and managing known and unknown risks and uncertainties;
 
•
integrating acquired businesses; and
 
•
maintaining adequate regulatory capital.
 
The market for acquisition targets is highly competitive, which may adversely affect our ability to find acquisition candidates that fit our strategy and standards. To the extent that we are unable to find suitable acquisition targets, an important component of our growth strategy may not be realized. Acquisitions will be subject to regulatory approvals, and we may be unable to obtain such approvals. Acquisitions of financial institutions also involve operational risks and uncertainties, and acquired companies may have unknown or contingent liabilities with no available manner of recourse, exposure to unexpected problems such as asset quality, the retention of key employees and customers and other issues that could negatively affect our business. We may not be able to complete future acquisitions or, if completed, we may not be able to successfully integrate the operations, technology platforms, management, products and services of the entities that we acquire and to realize our attempts to eliminate redundancies. The integration process may also require significant time and attention from our management that they would otherwise be able to direct toward servicing existing business and developing new business. Acquisitions typically involve the payment of a premium over book and market trading values and, therefore, some dilution of our tangible book value and net income per common share may occur in connection with any future acquisition of a financial institution or service company, and the carrying amount of any goodwill that we acquire may be subject to impairment in future periods. Failure to successfully integrate the entities we acquire into our existing operations may increase our operating costs significantly and adversely affect our business, financial condition and results of operations.
 
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We may not be able to successfully maintain and manage our growth.
 
Continued growth depends, in part, upon the ability to expand market presence, to successfully attract core deposits, and to identify attractive commercial lending opportunities. Management may not be able to successfully manage increased levels of assets and liabilities. We may be required to make additional investments in equipment and personnel to manage higher asset levels and loan balances, which may adversely impact our efficiency, earnings and shareholder returns. In addition, franchise growth may increase through acquisitions and de novo branching. The ability to successfully integrate such acquisitions into our consolidated operations will have a direct impact on our financial condition and results of operations.
 
We depend primarily on net interest income for our earnings rather than noninterest income.
 
Net interest income is the most significant component of our operating income. For the year ended December 31, 2015, our net interest income totaled $47.5 million in comparison to our total noninterest income of $9.0 million earned during the same period. We do not rely on nontraditional sources of fee income utilized by some community banks, such as fees from sales of insurance, securities or investment advisory products or services. The amount of our net interest income is influenced by the overall interest rate environment, competition, and the amount of interest-earning assets relative to the amount of interest-bearing liabilities. In the event that one or more of these factors were to result in a decrease in our net interest income, we have limited sources of noninterest income to offset any decrease in our net interest income.
 
If our nonperforming assets increase, our earnings will be adversely affected.
 
At December 31, 2015, our non-performing assets, which consist of non-performing loans and other real estate owned, were $22.0 million, or 1.51% of total assets. Our non-performing assets adversely affect our net income in various ways:
 
•
we record interest income only on the cash basis or cost-recovery method for nonaccrual loans and we do not record interest income for other real estate owned;
 
•
we must provide for probable loan losses through a current period charge to the provision for loan losses;
 
•
noninterest expense increases when we write down the value of properties in our other real estate owned portfolio to reflect changing market values;
 
•
there are legal fees associated with the resolution of problem assets, as well as carrying costs, such as taxes, insurance, and maintenance fees; and
 
•
the resolution of non-performing assets requires the active involvement of management, which can distract them from more profitable activity.
 
If additional borrowers become delinquent and do not pay their loans and we are unable to successfully manage our non-performing assets, our losses and troubled assets could increase significantly, which could have a material adverse effect on our financial condition and results of operations.
 
If the allowance for loan losses is not sufficient to cover actual loan losses, earnings could decrease.
 
Loan customers may not repay their loans according to the terms of their loans, and the collateral securing the payment of their loans may be insufficient to assure repayment. We may experience significant credit losses, which could have a material adverse effect on our operating results. Various assumptions and judgments about the collectability of the loan portfolio are made, including the creditworthiness of borrowers and the value of the real estate and other assets serving as collateral for the repayment of many loans. In determining the amount of the allowance for loan losses, management reviews the loans and the loss and delinquency experience and evaluates economic conditions.
 
At December 31, 2015, our allowance for loan losses as a percentage of total loans, net of unearned income, was 1.12% and as a percentage of total non-performing loans was 46.0%. The determination of the appropriate level of allowance is subject to judgment and requires us to make significant estimates of current credit risks and future trends, all of which are subject to material changes. If assumptions prove to be incorrect, the allowance for loan losses may not cover inherent losses in the loan portfolio at the date of the financial statements. Significant additions to the allowance would materially decrease net income. Non-performing loans may increase and non-performing or delinquent loans may adversely affect future performance. In addition, federal and state regulators periodically review the allowance for loan losses and may require an increase in the allowance for loan losses or recognize further loan charge-offs. Any significant increase in our allowance for loan losses or loan charge-offs as required by these regulatory agencies could have a material adverse effect on our results of operations and financial condition.
 
Emphasis on the origination of short-term loans could expose us to increased lending risks.
 
At December 31, 2015, $697.1 million, or 82.8% of our total loans consisted of short-term loans, defined as loans whose payments are typically based on ten to 20-year amortization schedules but have maturities typically ranging from one to five years. This results in our borrowers having significantly higher final payments due at maturity, known as a "balloon payment." In the event our borrowers are unable to make their balloon payments when they are due, we may incur significant losses in our loan portfolio. Moreover, while the shorter maturities of our loan portfolio help us to manage our interest rate risk, they also increase the reinvestment risk associated with new loan originations. During an economic slow-down, we might incur significant losses as our loan portfolio matures.
 
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We rely on our management team and our board of directors for the successful implementation of our business strategy.
 
Our success depends significantly on the continued service and skills of our senior management team and our board of directors, particularly Marshall T. Reynolds, our Chairman, Alton B. Lewis, our President and Chief Executive Officer and Eric J. Dosch, our Chief Financial Officer. The implementation of our business and growth strategies also depends significantly on our ability to attract, motivate and retain highly qualified executives and directors. The loss of services of one or more of these individuals could have a negative impact on our business because of their skills, years of industry experience and difficulty of promptly finding qualified replacement personnel.
 
We obtain a significant portion of our noninterest revenue through service charges on core deposit accounts, and regulations impacting service charges could reduce our fee income.
 
A significant portion of our noninterest revenue is derived from service charge income. During the year ended December 31, 2015, service charges, commissions and fees represented $2.7 million, or 30.5% of our total noninterest income. During the year ended December 31, 2014, service charges, commissions and fees represented $2.8 million, or 44.8% of our total noninterest income. The largest component of this service charge income is overdraft-related fees. Management believes that changes in banking regulations pertaining to rules on certain overdraft payments on consumer accounts have and will continue to have an adverse impact on our service charge income. Additionally, changes in customer behavior, as well as increased competition from other financial institutions, may result in declines in deposit accounts or in overdraft frequency resulting in a decline in service charge income. A reduction in deposit account fee income could have a material adverse effect on our earnings.
 
We may be unable to successfully compete with others for business.
 
The area in which we operate is considered attractive from an economic and demographic viewpoint, and is a highly competitive banking market. We compete for loans and deposits with numerous regional and national banks and other community banking institutions, as well as other kinds of financial institutions and enterprises, such as securities firms, insurance companies, savings associations, credit unions, mortgage brokers and private lenders. Many competitors have substantially greater resources than we do. The differences in resources may make it harder for us to compete profitably, reduce the rates that we can earn on loans and investments, increase the rates we must offer on deposits and other funds, and adversely affect our overall financial condition and earnings.
 
Hurricanes or other adverse weather conditions in Louisiana can have an adverse impact on our market area.
 
Our market area in Southeast Louisiana is close to New Orleans and the Gulf of Mexico, areas which are susceptible to hurricanes, tropical storms and other natural disasters and adverse weather conditions. For example, Hurricane Katrina hit the greater New Orleans area in August 2005 causing widespread damage. Similar future events could potentially cause widespread property damage, require the relocation of an unprecedented number of residents and business operations, and severely disrupt normal economic activity in our market areas, which may have an adverse effect on our operations, loan originations and deposit base. Moreover, our ability to compete effectively with financial institutions whose operations are not concentrated in areas affected by hurricanes or other adverse weather conditions or whose resources are greater than ours will depend primarily on our ability to continue normal business operations following such event. The severity and duration of the effects of hurricanes or other adverse weather conditions will depend on a variety of factors that are beyond our control, including the amount and timing of government, private and philanthropic investments including deposits in the region, the pace of rebuilding and economic recovery in the region and the extent to which a hurricane's property damage is covered by insurance. The occurrence of any such event could have a material adverse effect on our business, financial condition and results of operations.
 
We face risks related to our operational, technological and organizational infrastructure.
 
Our ability to grow and compete is dependent on our ability to build or acquire the necessary operational and technological infrastructure and to manage the cost of that infrastructure as we expand. Similar to other large corporations, operational risk can manifest itself in many ways, such as errors related to failed or inadequate processes, faulty or disabled computer systems, fraud by employees or outside persons and exposure to external events. As discussed below, we are dependent on our operational infrastructure to help manage these risks. In addition, we are heavily dependent on the strength and capability of our technology systems which we use both to interface with our customers and to manage our internal financial and other systems. Our ability to develop and deliver new products that meet the needs of our existing customers and attract new ones depends on the functionality of our technology systems. Additionally, our ability to run our business in compliance with applicable laws and regulations is dependent on these infrastructures.
 
We continuously monitor our operational and technological capabilities and make modifications and improvements when we believe it will be cost effective to do so. In some instances, we may build and maintain these capabilities ourselves. We also outsource some of these functions to third parties. These third parties may experience errors or disruptions that could adversely impact us and over which we may have limited control. We also face risk from the integration of new infrastructure platforms and/or new third party providers of such platforms into its existing businesses.
 
-24-
A failure in our operational systems or infrastructure, or those of third parties, could impair our liquidity, disrupt our businesses, result in the unauthorized disclosure of confidential information, damage our reputation and cause financial losses.
 
Our businesses are dependent on their ability to process and monitor, on a daily basis, a large number of transactions, many of which are highly complex, across numerous and diverse markets. These transactions, as well as the information technology services we provide to clients, often must adhere to client-specific guidelines, as well as legal and regulatory standards. Due to the breadth of our client base and our geographical reach, developing and maintaining our operational systems and infrastructure is challenging, particularly as a result of rapidly evolving legal and regulatory requirements and technological shifts. Our financial, accounting, data processing or other operating systems and facilities may fail to operate properly or become disabled as a result of events that are wholly or partially beyond our control, such as a spike in transaction volume, cyber-attack or other unforeseen catastrophic events, which may adversely affect our ability to process these transactions or provide services.
 
In addition, our operations rely on the secure processing, storage and transmission of confidential and other information on our computer systems and networks. Although we take protective measures to maintain the confidentiality, integrity and availability of information across all geographic and product lines, and endeavor to modify these protective measures as circumstances warrant, the nature of the threats continues to evolve. As a result, our computer systems, software and networks may be vulnerable to unauthorized access, loss or destruction of data (including confidential client information), account takeovers, unavailability of service, computer viruses or other malicious code, cyber-attacks and other events that could have an adverse security impact. Despite the defensive measures we take to manage our internal technological and operational infrastructure, these threats may originate externally from third parties such as foreign governments, organized crime and other hackers, and outsource or infrastructure-support providers and application developers, or may originate internally from within our organization. Given the increasingly high volume of our transactions, certain errors may be repeated or compounded before they can be discovered and rectified.
 
Changes in accounting policies or in accounting standards could materially affect how we report our financial condition and results of operations.
 
Accounting policies are essential to understanding our financial condition and results of operations. Some of these policies require the use of estimates and assumptions that may affect the value of our assets or liabilities and financial results. Some of our accounting policies are critical because they require management to make difficult, subjective, and complex judgments about matters that are inherently uncertain, and because it is likely that materially different amounts would be reported under different conditions or using different assumptions. If such estimates or assumptions underlying our financial statements are incorrect, we may experience material losses.
 
From time to time, the Financial Accounting Standards Board ("FASB") and the Securities and Exchange Commission change the financial accounting and reporting standards or the interpretation of those standards that govern the preparation of our financial statements. These changes are beyond our control, can be difficult to predict and could materially affect how we report our financial condition and results of operations. We could also be required to apply a new or revised standard retroactively, which may result in our restating our prior period financial statements.
 
We hold certain intangible assets that could be classified as impaired in the future. If these assets are considered to be either partially or fully impaired in the future, our earnings and the book values of these assets would decrease.
 
We are required to test goodwill and core deposit intangible assets for impairment on a periodic basis. The impairment testing process considers a variety of factors, including macroeconomic conditions, industry and market considerations, cost factors, and financial performance. If an impairment determination is made in a future reporting period, our earnings and the book value of these intangible assets will be reduced by the amount of the impairment which would adversely affect our financial performance.
 
A lack of liquidity could adversely affect our operations and jeopardize our business, financial condition and results of operations.
 
Liquidity is essential to our business. We rely on our ability to generate deposits and effectively manage the repayment and maturity schedules of our loans and investment securities, respectively, to ensure that we have adequate liquidity to fund our operations. An inability to raise funds through deposits, borrowings, the sale of our investment securities, the sale of loans and other sources could have a substantial negative effect on our liquidity. Our most important source of funds is deposits. Deposit balances can decrease when customers perceive alternative investments as providing a better risk/return tradeoff. If customers move money out of bank deposits and into other investments such as money market funds, we would lose a relatively low-cost source of funds, increasing our funding costs and reducing our net interest income and net income. As stated above, public funds are a sizeable portion of our deposits. Loss of a large public funds depositor at the end of a contract would negatively impact liquidity.
 
Other primary sources of funds consist of cash flows from operations, maturities and sales of investment securities, and proceeds from the issuance and sale of our equity securities to investors. Additional liquidity is provided by the ability to borrow from the FHLB or the Federal Reserve. We also may borrow funds from third-party lenders, such as other financial institutions. Our access to funding sources in amounts adequate to finance or capitalize our activities, or on terms that are acceptable to us, could be impaired by factors that affect us directly or the financial services industry or economy in general, such as disruptions in the financial markets or negative views and expectations about the prospects for the financial services industry. Our access to funding sources could also be affected by a decrease in the level of our business activity as a result of a downturn in our target markets or by one or more adverse regulatory actions against us.
 
Any decline in available funding could adversely impact our ability to originate loans, invest in securities, meet our expenses, or to fulfill obligations such as repaying our borrowings or meeting deposit withdrawal demands, any of which could have a material adverse impact on our liquidity, business, financial condition and results of operations.
 
-25-
We are subject to environmental liability risk associated with lending activities.
 
A significant portion of our loan portfolio is secured by real property. During the ordinary course of business, we may foreclose on and take title to properties securing certain loans. In doing so, there is a risk that hazardous or toxic substances could be found on these properties. If hazardous or toxic substances are found, we may be liable for remediation costs, as well as for personal injury and property damage. Environmental laws may require us to incur substantial expenses to address unknown liabilities and may materially reduce the affected property's value or limit our ability to use or sell the affected property. In addition, future laws or more stringent interpretations or enforcement policies with respect to existing laws may increase our exposure to environmental liability. Although we have policies and procedures to perform an environmental review before initiating any foreclosure action on nonresidential real property, these reviews may not be sufficient to detect all potential environmental hazards. The remediation costs and any other financial liabilities associated with an environmental hazard could have a material adverse effect on our financial condition and results of operations.
Risks Related to Our Industry
We operate in a highly regulated environment and may be adversely affected by changes in federal, state and local laws and regulations.
 
We are subject to extensive regulation, supervision and examination by federal and state banking authorities. Any change in applicable regulations or federal, state or local legislation could have a substantial impact on us and our operations. Additional legislation and regulations that could significantly affect our powers, authority and operations may be enacted or adopted in the future, which could have a material adverse effect on our financial condition and results of operations. Further, regulators have significant discretion and authority to prevent or remedy unsafe or unsound practices or violations of laws by banks and bank holding companies in the performance of their supervisory and enforcement duties. The exercise of regulatory authority may have a negative impact on our results of operations and financial condition. Like other bank holding companies and financial institutions, we must comply with significant anti-money laundering and anti-terrorism laws. Under these laws, we are required, among other things, to enforce a customer identification program and file currency transaction and suspicious activity reports with the federal government. Government agencies have substantial discretion to impose significant monetary penalties on institutions which fail to comply with these laws or make required reports.
-26-
 
Federal and state regulators periodically examine our business, and we may be required to remediate adverse examination findings.
 
The Federal Reserve Board, the FDIC and the OFI, periodically examine our business, including our compliance with laws and regulations. If, as a result of an examination, a federal banking agency were to determine that our financial condition, capital resources, asset quality, earnings prospects, management, liquidity or other aspects of any of our operations had become unsatisfactory, or that we were in violation of any law or regulation, it may take a number of different remedial actions as it deems appropriate. These actions include the power to enjoin "unsafe or unsound" practices, to require affirmative action to correct any conditions resulting from any violation or practice, to issue an administrative order that can be judicially enforced, to direct an increase in our capital, to restrict our growth, to assess civil monetary penalties against our officers or directors, to remove officers and directors and, if it is concluded that such conditions cannot be corrected or there is an imminent risk of loss to depositors, to terminate our deposit insurance and place us into receivership or conservatorship. If we become subject to any regulatory actions, it could have a material adverse effect on our business, results of operations, financial condition and growth prospects.
 
Financial reform legislation enacted by Congress has, among other things, tightened capital standards and resulted in new laws and regulations that likely will increase our costs of operations.
 
The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 ("Dodd-Frank Act") was signed into law on July 21, 2010. This law significantly changed the then-existing bank regulatory structure and affected the lending, deposit, investment, trading and operating activities of financial institutions and their holding companies. The Dodd-Frank Act changed the regulatory structure to which we are subject in numerous ways, including, but not limited to, the following:
 
•
the base for FDIC insurance assessments has been changed to a bank's average consolidated total assets minus average tangible equity, rather than upon its deposit base, while the FDIC's authority to raise insurance premiums has been expanded;
 
•
the current standard deposit insurance limit has been permanently raised to $250,000;
 
•
the FDIC must raise the ratio of reserves to deposits from 1.15% to 1.35% for deposit insurance purposes by September 30, 2020 and to "offset the effect" of increased assessments on insured depository institutions with assets of less than $10.0 billion;
 
•
the interchange fees payable on debit card transactions have been limited;
 
•
there are multiple new provisions affecting corporate governance and executive compensation at all publicly traded companies; and
 
•
all federal prohibitions on the ability of financial institutions to pay interest on commercial demand deposit accounts have been repealed.
 
In addition to the foregoing, the Dodd-Frank Act established the Consumer Financial Protection Bureau (the "CFPB") as an independent entity within the Federal Reserve. The CFPB has broad rulemaking, supervisory and enforcement authority over consumer financial products and services, including deposit products, residential mortgages, home-equity loans and credit cards, as well as with respect to certain mortgage-related matters, such as steering incentives, determinations as to a borrower's ability to repay and prepayment penalties.
 
Our management continues to assess the impact on our operations of the Dodd-Frank Act and its regulations, some of which have yet to be proposed or adopted or are to be phased-in over time. Because the full impact of many of the regulations adopted pursuant to the Dodd-Frank Act may not be known for some time, it is difficult to predict at this time what specific impact the Dodd-Frank Act will have on us. However, it is expected that at a minimum our operating and compliance costs will increase, and our interest expense could increase.
 
We have become subject to more stringent capital requirements, which may adversely impact our return on equity, require us to raise additional capital, or constrain us from paying dividends or repurchasing shares.
 
In July 2013, the FDIC and the Federal Reserve Board approved a new rule that substantially amended the regulatory risk-based capital rules applicable to First Guaranty Bancshares, on a consolidated basis, and First Guaranty Bank, on a stand-alone basis. The final rule implements the "Basel III" regulatory capital reforms and changes required by the Dodd-Frank Act.
 
The final rule includes new minimum risk-based capital and leverage ratios, which became effective for First Guaranty Bancshares and First Guaranty Bank on January 1, 2015, and refines the definition of what constitutes "capital" for purposes of calculating these ratios. The new minimum capital requirements are: (i) a new common equity Tier 1 capital ratio of 4.5%; (ii) a Tier 1 to risk-based assets capital ratio of 6% (increased from 4%); (iii) a total capital ratio of 8% (unchanged from former rules); and (iv) a Tier 1 leverage ratio of 4%. The final rule also establishes a "capital conservation buffer" of 2.5%, and will result in the following minimum ratios: (i) a common equity Tier 1 capital ratio of 7.0%, (ii) a Tier 1 to risk-based assets capital ratio of 8.5%, and (iii) a total capital ratio of 10.5%. The new capital conservation buffer requirement will be phased in beginning in January 2016 at 0.625% of risk-weighted assets and will increase each year until fully implemented in January 2019. An institution will be subject to limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses if its capital level falls below the buffer amount. These limitations will establish a maximum percentage of eligible retained income that can be utilized for such actions.
 
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The application of more stringent capital requirements for First Guaranty Bank and First Guaranty Bancshares could, among other things, result in lower returns on equity, require the raising of additional capital, and result in regulatory actions constraining us from paying dividends or repurchasing shares if we are unable to comply with such requirements.
 
We are subject to the CRA and fair lending laws, and failure to comply with these laws could lead to material penalties.
 
The CRA, the Equal Credit Opportunity Act, the Fair Housing Act and other fair lending laws and regulations impose nondiscriminatory lending requirements on financial institutions. The CFPB, the United States Department of Justice and other federal agencies are responsible for enforcing these laws and regulations. A successful challenge to an institution's performance under the CRA or fair lending laws and regulations could result in a wide variety of sanctions, including the required payment of damages and civil money penalties, injunctive relief, imposition of restrictions on mergers and acquisitions activity and restrictions on expansion activity. Private parties may also have the ability to challenge an institution's performance under fair lending laws in private class action litigation.
 
Difficult market conditions have adversely affected the industry in which we operate.
 
If capital and credit markets experience volatility and disruption as they did during the recent financial crisis, we may face the following risks:
 
●
increased regulation of our industry;
 
●
compliance with such regulation may increase our costs and limit our ability to pursue business opportunities;
 
●
market developments and the resulting economic pressure on consumers may affect consumer confidence levels and may cause increases in delinquencies and default rates, which, among other effects, could affect our charge-offs and provision for loan losses. Competition in the industry could intensify as a result of the increasing consolidation of financial institutions in connection with the current market conditions;
 
 
●
 
market disruptions make valuation even more difficult and subjective, and our ability to measure the fair value of our assets could be adversely affected. If we determine that a significant portion of our assets have values significantly below their recorded carrying value, we could recognize a material charge to earnings in the quarter in which such determination was made, our capital ratios would be adversely affected and a rating agency might downgrade our credit rating or put us on credit watch; and
 
●
the downgrade of the United States government's sovereign credit rating, any related rating agency action in the future, and the downgrade of the sovereign credit ratings for several European nations could negatively impact our business, financial condition and results of operations.
Changes in the policies of monetary authorities and other government action could adversely affect our profitability.
The results of operations are affected by credit policies of monetary authorities, particularly the policies of the Federal Reserve. The instruments of monetary policy employed by the Federal Reserve Board include open market operations in U.S. government securities, changes in the discount rate or the federal funds rate on bank borrowings and changes in reserve requirements against bank deposits. In view of changing conditions in the national economy and in the money markets, particularly in light of the continuing threat of terrorist attacks and the current military operations in the Middle East, we cannot predict possible future changes in interest rates, deposit levels, loan demand or our business and earnings. Furthermore, the actions of the United States government and other governments in responding to such terrorist attacks or the military operations in the Middle East may result in currency fluctuations, exchange controls, market disruption and other adverse effects.
-28-
 
Risk Associated with an Investment in our Common Stock
 
An active, liquid market for our common stock may not develop or be sustained.
 
Our shares of common stock began trading on the NASDAQ Global Market in November 2015. However, an active trading market for shares of our common stock may never develop on NASDAQ or be sustained. If an active trading market does not develop, you may have difficulty selling your shares of common stock at an attractive price, or at all. An inactive market may also impair our ability to raise capital by selling our common stock and may impair our ability to expand our business by using our common stock as consideration in an acquisition.
 
We are an emerging growth company within the meaning of the JOBS Act, and if we decide to take advantage of certain exemptions from various reporting requirements applicable to emerging growth companies, our common stock could be less attractive to investors.
 
We are an "emerging growth company," as defined in the JOBS Act. We are eligible to take advantage of certain exemptions from various reporting requirements that are applicable to other public companies that are not emerging growth companies, including, but not limited to, reduced disclosure about our executive compensation and omission of compensation discussion and analysis, and an exemption from the requirement of holding a non-binding advisory vote on executive compensation. In addition, we will not be subject to certain requirements of Section 404 of the Sarbanes Oxley Act of 2002, as amended ("Sarbanes-Oxley Act"), including the additional level of review of our internal control over financial reporting that may occur when outside auditors attest to our internal control over financial reporting.
 
We could remain an emerging growth company for up to five years, or until the earliest of: (1) the last day of the first fiscal year in which our annual gross revenues exceed $1.0 billion; (2) the date that we become a "large accelerated filer" as defined in Rule 12b-2 under the Securities Exchange Act of 1934, as amended, which would occur if the market value of our common stock that is held by non-affiliates exceeds $700 million as of the last business day of our most recently completed second fiscal quarter; or (3) the date on which we have issued more than $1.0 billion in non-convertible debt during the preceding three-year period.
 
If we choose to take advantage of any of these exemptions while we are an emerging growth company, investors would have access to less information and analysis about our executive compensation, which may make it difficult for investors to evaluate our executive compensation practices. Additionally, investors may become less comfortable with the effectiveness of our internal control and the risk that material weaknesses or other deficiencies in our internal controls go undetected may increase. We cannot predict if investors will find our common stock less attractive because we may rely on these exemptions and provide reduced disclosure. If some investors find our common stock less attractive as a result, there may be a less active trading market for our common stock and our stock price may be more volatile.
 
Failure to maintain effective internal controls over financial reporting in the future could impair our ability to accurately and timely report our financial results or prevent fraud.
 
Effective internal controls over financial reporting are necessary to provide reliable financial reports and prevent fraud. As a bank holding company, we are subject to regulation that focuses on effective internal controls and procedures. Such controls and procedures are modified, supplemented, and changed from time-to-time as necessary in relation to our growth and in reaction to external events and developments. Any failure to maintain, in the future, an effective internal control environment could impact our ability to report our financial results on an accurate and timely basis, which could result in regulatory actions, loss of investor confidence, and adversely impact our business.
 
We have several large shareholders, and such shareholders may independently vote their shares in a manner that you may not consider to be consistent with your best interest or the best interest of our shareholders as a whole.
 
Our principal shareholders (Marshall T. Reynolds, Douglas V. Reynolds, William K. Hood and Edgar R. Smith III) beneficially own, approximately 40% of our outstanding common stock as of December 31, 2015. Each of these shareholders will continue to have the ability to independently vote a meaningful percentage of our outstanding common stock on all matters put to a vote of our shareholders, including the election of our board of directors and certain other significant corporate transactions, such as a merger or acquisition transaction. On any such matter, the interests of these shareholders may not coincide with the interests of the other holders of our common stock and any such difference in interests may result in that shareholder voting its shares in a manner inconsistent with the interests of other shareholders.
 
Our dividend policy may change without notice, and our future ability to pay dividends is also subject to regulatory restrictions.
 
Holders of our common stock are entitled to receive only such cash dividends as our board of directors may declare out of funds legally available for the payment of dividends. First Guaranty is obligated to make payments on its senior debt and subordinated debt before making dividend payments to common shareholders.
 
Although First Guaranty Bancshares, and First Guaranty Bank prior to the Share Exchange, paid a quarterly dividend to our shareholders for 90 consecutive quarters at December 31, 2015, we have no obligation to continue paying dividends, and we may change our dividend policy at any time without prior notice to our shareholders. In addition, our ability to pay dividends will continue to be subject, among other things, to certain regulatory guidance and/or restrictions.
 
None.
 
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First Guaranty does not directly own any real estate, but it does own real estate indirectly through its subsidiary. The Bank operates 21 banking centers, including one drive-up facility. The following table sets forth certain information relating to each office. The net book value of premises at all branch locations, including the raw land of branches under development, at December 31, 2015 totaled $22.0 million. We believe that our properties are adequate for our business operations as they are currently being conducted.
Location
  
Use of Facilities
  
Year Facility Opened or Acquired
  
Owned/Leased
First Guaranty Square
400 East Thomas Street
Hammond, LA  70401
  
First Guaranty Bank’s Main Office
  
1975
  
Owned
2111 West Thomas Street
Hammond, LA  70401
  
Guaranty West Banking Center
  
1974
  
Owned
100 East Oak Street
Amite, LA  70422
  
Amite Banking Center
  
1970
  
Owned
455 West Railroad Avenue
Independence, LA  70443
  
Independence Banking Center
  
1979
  
Owned
301 Avenue F
Kentwood, LA  70444
  
Kentwood Banking Center
  
1975
  
Owned
189 Burt Blvd
Benton, LA  71006
  
Benton Banking Center
  
2010
  
Owned
126 South Hwy. 1
Oil City, LA  71061
  
Oil City Banking Center
  
1999
  
Owned
401 North 2nd Street
Homer, LA  71040
  
Homer Main Banking Center
  
1999
  
Owned
10065 Hwy 79
Haynesville, LA  71038
  
Haynesville Banking Center
  
1999
  
Owned
117 East Hico Street
Dubach, LA 71235
  
Dubach Banking Center
  
1999
  
Owned
102 East Louisiana Avenue
Vivian, LA  71082
  
Vivian Banking Center
  
1999
  
Owned
500 North Cary Ave
Jennings, LA  70546
  
Jennings Banking Center
  
1999
  
Owned
799 West Summers Drive
Abbeville, LA  70510
  
Abbeville Banking Center
  
1999
  
Owned
105 Berryland
Ponchatoula, LA  70454
  
Berryland Banking Center
  
2004
  
Leased
2231 S. Range Avenue
Denham Springs, LA 70726
  
Denham Springs Banking Center
  
2005
  
Owned
195 North 6th Street
Ponchatoula, LA  70454
  
Ponchatoula Banking Center(1)
  
2007
  
Owned
29815 Walker Rd S
Walker, LA 70785
  
Walker Banking Center
  
2007
  
Owned
6151 Hwy 10
Greensburg, LA 70441
   Greensburg Banking Center   2011   Owned
723 Avenue G
Kentwood, LA 70444
   Kentwood West Banking Center   2011   Owned
35651 Hwy 16
Montpelier, LA 70422
   Montpelier Banking Center   2011   Owned
33818 Hwy 16
Denham Springs, LA 70706
   Watson Banking Center   2011   Owned
(1) This branch was closed on March 7, 2016 and replaced with a new banking center on property that we own located on 500 West Pine Street, Ponchatoula, LA 70454.
 
 
First Guaranty is subject to various legal proceedings in the normal course of its business. At December 31, 2015, we were not involved in any legal proceedings, the outcome of which would have a material adverse effect on the financial condition or results of operation of First Guaranty.
 
 
Not applicable.
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Item 5 - Market for Registrant’s Common Equity, Related Shareholder Matters and Issuer Purchases of Equity Securities
 
Shares of our common stock are traded on the NASDAQ Global Marketplace as of November 5, 2015, under the symbol "FGBI". Prior to November 5, 2015 our shares were quoted on the OTC Pink Marketplace. As of December 31, 2015, there were approximately 1,800 holders of record of our common stock.
 
The following table sets forth the quarterly high and low reported sales prices for our common stock for the years ended December 31, 2015 and 2014. These reported sales prices represent trades that were either quoted on the NASDAQ, OTC Pink or reported to First Guaranty’s stock transfer agent, and prior to November 5, 2015, do not include retail markups, markdowns or commissions, and do not necessarily reflect actual transactions.
 
 
2015
  
2014
  
Quarter Ended*:
High
  
Low
  
Dividend
  
High
  
Low
  
Dividend
  
March 31,
$
19.00
  
$
16.70
  
$
0.16
  
$
19.60
  
$
13.77
  
$
0.16
  
June 30,
 $ 21.00   $
15.00
   $
0.16
   $
19.81
   $
13.50
   $
0.16
  
September 30,
 $
20.74
   $
15.00
   $
0.16
   $
19.81
   $
12.00
   $
0.16
  
December 31,
 $
21.73
   $ 14.60   $
0.16
   $
20.50
   $
15.39
   $
0.16
  
*Data above has not been adjusted to reflect the ten percent stock dividend paid December 17, 2015 to shareholders of record as of December 10, 2015.                  
 
Our shareholders are entitled to receive dividends when, and if, declared by the Board of Directors, out of funds legally available for dividends. We have paid consecutive quarterly cash dividends on our common stock for each of the last 90 quarters dating back to the third quarter of 1993. The Board of Directors intends to continue to pay regular quarterly cash dividends. The ability to pay dividends in the future will depend on earnings and financial condition, liquidity and capital requirements, regulatory restrictions, the general economic and regulatory climate and ability to service any equity or debt obligations senior to common stock. There are legal restrictions on the ability of First Guaranty Bank to pay cash dividends to First Guaranty Bancshares, Inc. Under federal and state law, we are required to maintain certain surplus and capital levels and may not distribute dividends in cash or in kind, if after such distribution we would fall below such levels. Specifically, an insured depository institution is prohibited from making any capital distribution to its shareholders, including by way of dividend, if after making such distribution, the depository institution fails to meet the required minimum level for any relevant capital measure including the risk-based capital adequacy and leverage standards.
 
Additionally, under the Louisiana Business Corporation Act, First Guaranty Bancshares, Inc. is prohibited from paying any cash dividends to shareholders if, after the payment of such dividend First Guaranty Bancshares would not be able to pay its debts as they became due in the usual course of business or its total assets would be less than its total liabilities or where net assets are less than the liquidation value of shares that have a preferential right to participate in First Guaranty Bancshares, Inc.’s assets in the event First Guaranty Bancshares, Inc. were to be liquidated.
 
On November 19, 2015, First Guaranty sold an additional 26,560 shares of its common stock, $1.00 par value per share, pursuant to the partial exercise of the over-allotment option granted to the underwriter in connection with its public offering, at a public offering price of $18.50 per share.  The partial exercise of the underwriter's over-allotment option generated additional gross proceeds of $491,360. The total number of shares sold in the offering was 626,560, resulting in net proceeds of approximately $9.3 million.  The shares were issued pursuant to an effective Registration Statement on Form S-1 (File No. 333-199602) declared effective as of November 5, 2015 by the Securities and Exchange Commission.
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Item 6 - Selected Financial Data
 
The following table presents consolidated selected financial data for First Guaranty. It does not purport to be complete and is qualified in its entirety by more detailed financial information and the audited consolidated financial statements contained elsewhere in this annual report.
 
    At or For the Years Ended December 31,  
(in thousands except for %)   2015     2014     2013     2012    
2011
  
Year End Balance Sheet Data:
                    
Investment securities
   $ 546,121     $ 641,603     $ 634,504     $ 659,243    
$
633,163
  
Federal funds sold
   $ 582     $ 210     $ 665     $ 2,891    
$
68,630
  
Loans, net of unearned income
   $  841,583     $ 790,321     $ 703,166     $ 629,500    
$
573,100
  
Allowance for loan losses
   $   9,415     $ 9,105     $ 10,355     $ 10,342    
$
8,879
  
Total assets
  $   1,459,753     $ 1,518,876     $ 1,436,441     $ 1,407,303    
$
1,353,866
  
Total deposits
   $   1,295,870     $ 1,371,839     $ 1,303,099     $ 1,252,612    
$
1,207,302
  
Borrowings
   $  42,221     $ 3,255     $ 6,288     $ 15,846    
$
15,423
  
Shareholders' equity
  $  118,224     $ 139,583     $ 123,405     $ 134,181    
$
126,602
  
Common shareholders' equity
   $   118,224     $ 100,148     $ 83,970     $ 94,746    
$
87,167
  
                                         
Performance Ratios and Other Data:
                                        
Return on average assets
     0.97 %     0.77 %     0.65 %     0.89 %    
0.65
%
Return on average common equity
      12.98 %      11.40 %     9.31 %    
10.90
 %    
7.37
%
Return on average tangible assets
    0.99 %      0.79 %     0.67 %     0.91 %    
0.67
 %
Return on average tangible common equity
     13.60 %      12.10 %     9.99 %     11.70 %     7.97 %
Net interest margin
      3.26 %      3.11 %     2.92 %     3.20 %    
3.31
%
Average loans to average deposits
     61.31 %      55.72 %     53.58 %     49.04 %    
52.79
%
Efficiency ratio(1)
     55.11 %      62.85 %     65.61 %     58.56 %    
56.77
%
Efficiency ratio (excluding amortization of intangibles and securities transactions)(1)
     57.74 %      62.58 %     67.17 %     63.73 %    
60.29
%
Full time equivalent employees (year end)
     277       271       278       274      
269
  
                                         
(Footnotes follow on next page)  
 
 
-32-
 
Item 6- Selected Financial Data continued
 
    At or For the Years Ended December 31,  
(in thousands except for % and share data)   2015     2014     2013     2012    
2011
  
Capital Ratios:
                    
Average shareholders' equity to average assets
   9.88 %     9.24 %     9.28 %     9.72 %    
8.80
%
Average tangible equity to average tangible assets
     9.67 %      9.00 %     9.02 %     9.43 %    
8.52
%
Common shareholders' equity to total assets
    8.10 %     
6.59
 %     5.85 %    
6.73
 %    
6.44
%
Tier 1 leverage capital consolidated 
     8.17 %      9.33 %     9.14 %     9.24 %    
9.03
%
Tier 1 capital consolidated 
     10.85 %      13.16 %     13.61 %     14.13 %    
13.71
%
Total risk-based capital consolidated 
     13.13 %      14.05 %     14.71 %     15.31 %    
14.75
%
Common equity tier one capital consolidated     10.85 %     N/A       N/A       N/A       N/A  
Tangible common equity to tangible assets(2)     7.89 %      6.37 %     5.59 %     6.45 %     6.12 %
                                         
Income Data:
                                        
Interest income
   $  56,079     $ 53,297     $ 50,886     $ 55,195    
$
54,609
  
Interest expense
   $   8,608     $ 9,202     $ 11,134     $ 13,120    
$
15,118
  
Net interest income
   $   47,471     $ 44,095     $ 39,752     $ 42,075    
$
39,491
  
Provision for loan losses
   $   3,864     $ 1,962     $ 2,520     $ 4,134    
$
10,187
  
Noninterest income (excluding securities transactions)
   $  5,656     $ 5,882     $ 5,907     $ 6,272    
$
7,742
  
Securities gains
   $   3,300     $ 295     $ 1,571     $ 4,868    
$
3,531
  
Noninterest expense
   $   31,095     $ 31,594     $ 30,987     $ 31,161    
$
28,821
  
Earnings before income taxes
   $   21,468     $ 16,716     $ 13,723     $ 17,920    
$
11,756
  
Net income
   $   14,505     $ 11,224     $ 9,146     $ 12,059    
$
8,033
  
Net income available to common shareholders
   $   14,121     $ 10,830     $ 8,433     $ 10,087    
$
6,057
  
                                         
Per Common Share Data(4):
                                        
Net earnings
   $  2.01     $ 1.57     $ 1.22     $ 1.46    
$
0.89
  
Cash dividends paid
   $  0.60     $ 0.58     $ 0.58     $ 0.58    
$
0.52
  
Book value
   $  15.54    
$
14.47
     $ 12.13     $ 13.69    
$
12.59
  
Tangible book value (3)   $  15.10     $ 13.95     $ 11.57     $ 13.08     $ 11.93  
Dividend payout ratio
     30.07 %      37.18 %     47.75 %    
40.00
 %    
59.60
%
Weighted average number of shares outstanding
     7,013,869       6,920,022       6,920,022       6,921,696      
6,825,779
  
Number of shares outstanding
     7,609,194       6,920,022       6,920,022       6,920,022      
6,923,205
  
                                         
Asset Quality Ratios:
                                        
Non-performing assets to total assets
     1.51 %     0.99 %     1.27 %     1.67 %    
2.13
%
Non-performing assets to total loans
      2.62 %      1.90 %     2.60 %     3.74 %    
5.04
%
Non-performing loans to total loans      2.43 %      1.62 %     2.12 %     3.36 %     4.05 %
Loan loss reserve to non-performing assets
     42.74 %      60.74 %     56.72 %    
43.94
 %    
30.73
%
Net charge-offs to average loans
    0.44 %      0.45 %     0.38 %     0.45 %    
1.65
%
Provision for loan loss to average loans
     0.47 %      0.27 %     0.38 %     0.70 %    
1.75
%
Allowance for loan loss to total loans
     1.12 %      1.15 %     1.47 %     1.64 %    
1.55
%
                                         
(1) Efficiency ratio represents noninterest expense divided by the sum of net interest income and noninterest income. We calculate both a GAAP and a non-GAAP efficiency ratio. The GAAP-based efficiency ratio is noninterest expenses divided by net interest income plus noninterest income. See below for our reconciliation of non-GAAP financial measures to their most directly comparable GAAP financial measures under the caption “Selected Financial Data—Non-GAAP Financial Measures.”
  
(2) We calculate tangible common equity as total shareholders’ equity less preferred stock, goodwill and acquisition intangibles, principally core deposit intangibles, net of accumulated amortization, and we calculate tangible assets as total assets less goodwill and core deposit intangibles. Tangible common equity to tangible assets is a non-GAAP financial measure, and, as we calculate tangible common equity to tangible assets, the most directly comparable GAAP financial measure is total shareholders’ equity to total assets. See below for our reconciliation of non-GAAP financial measures to their most directly comparable GAAP financial measures under the caption “Selected Historical Consolidated Financial and Other Data—Non-GAAP Financial Measures.”
  
(3) We calculate tangible book value per common share as total shareholders’ equity less preferred stock, goodwill and acquisition intangibles, principally core deposit intangibles, net of accumulated amortization at the end of the relevant period, divided by the outstanding number of shares of our common stock at the end of the relevant period. Tangible book value per common share is a non-GAAP financial measure, and, as we calculate tangible book value per common share, the most directly comparable GAAP financial measure is book value per common share. See below for our reconciliation of non-GAAP financial measures to their most directly comparable GAAP financial measures under the caption “Selected Financial Data—Non-GAAP Financial Measures.”
  
(4) Historical share and per share amounts have been adjusted to reflect the ten percent stock dividend paid December 17, 2015 to shareholders of record as of December 10, 2015.  
 
-33-
Non-GAAP Financial Measures
 
Our accounting and reporting policies conform to accounting principles generally accepted in the United States, or GAAP, and the prevailing practices in the banking industry. However, we also evaluate our performance based on certain additional metrics. Tangible book value per share and the ratio of tangible equity to tangible assets are not financial measures recognized under GAAP and, therefore, are considered non-GAAP financial measures.
 
Our management, banking regulators, many financial analysts and other investors use these non-GAAP financial measures to compare the capital adequacy of banking organizations with significant amounts of preferred equity and/or goodwill or other intangible assets, which typically stem from the use of the purchase accounting method of accounting for mergers and acquisitions. Tangible equity, tangible assets, tangible book value per share or related measures should not be considered in isolation or as a substitute for total shareholders’ equity, total assets, book value per share or any other measure calculated in accordance with GAAP. Moreover, the manner in which we calculate tangible equity, tangible assets, tangible book value per share and any other related measures may differ from that of other companies reporting measures with similar names.
 
The following table reconciles, as of the dates set forth below, shareholders’ equity (on a GAAP basis) to tangible equity and total assets (on a GAAP basis) to tangible assets and calculates our tangible book value per share.
 
    At December 31,  
(in thousands except for share data and %)   2015     2014     2013     2012     2011  
Tangible Common Equity                    
Total shareholders' equity   $ 118,224     $ 139,583     $ 123,405     $ 134,181     $ 126,602  
Adjustments:                                        
    Preferred      -       39,435       39,435       39,435       39,435  
    Goodwill      1,999       1,999       1,999       1,999       1,999  
    Acquisition intangibles      1,298       1,618       1,938       2,257       2,608  
Tangible common equity   $ 114,927     $ 96,531     $ 80,033     $ 90,490     $ 82,560  
Common shares outstanding     7,609,194       6,920,022       6,920,022       6,920,022       6,923,205  
Book value per common share   $ 15.54     $ 14.47     $ 12.13     $ 13.69     $ 12.59  
Tangible book value per common share   $ 15.10     $ 13.95     $ 11.57     $ 13.08     $ 11.93  
Tangible Assets                                        
Total Assets   $ 1,459,753     $ 1,518,876     $ 1,436,441     $ 1,407,303     $ 1,353,866  
Adjustments:                                        
    Goodwill     1,999       1,999       1,999       1,999       1,999  
    Acquisition intangibles      1,298       1,618       1,938       2,257       2,608  
Tangible Assets   $   1,456,456     $ 1,515,259     $ 1,432,504     $ 1,403,047     $ 1,349,259  
Tangible common equity to tangible assets     7.89 %     6.37 %     5.59 %     6.45 %     6.12 %
 
The efficiency ratio is a non-GAAP measure generally used by financial analysts and investment bankers to evaluate financial institutions. We calculate the efficiency ratio by dividing noninterest expense by the sum of net interest income and noninterest income, excluding amortizations of intangibles and securities transactions. The GAAP-based efficiency ratio is noninterest expenses divided by net interest income plus noninterest income.
 
The following table reconciles, as of the dates set forth below, our efficiency ratio to the GAAP-based efficiency ratio:
 
      For the Year Ended December 31,  
(in thousands except for share data and %)   2015     2014     2013     2012     2011  
GAAP-based efficiency ratio   55.11 %     62.85 %     65.61 %     58.56 %     56.77 %
Noninterest expense   $ 31,095     $ 31,594     $ 30,987     $ 31,161     $ 28,821  
    Amortization of intangibles      320       320       320       350       286  
Noninterest expense, excluding amortization      30,775       31,274       30,667       30,811       28,535  
Net interest income      47,471       44,095       39,752       42,075       39,491  
Noninterest income      8,956       6,177       7,478       11,140       11,273  
Adjustments:                                        
    Securities transactions      3,125       295       1,571       4,868       3,434  
Noninterest income, excluding securities transactions   $ 5,831     $ 5,882     $ 5,907     $ 6,272     $ 7,839  
Efficiency ratio     57.74 %      62.58 %     67.17 %     63.73 %     60.29 %
 
 
-34-
 
Item 7 - Management’s Discussion and Analysis of Financial Condition and Results of Operations

The following discussion and analysis of our financial condition and results of operations should be read in conjunction with Item 6, “Selected Financial Data” and our audited consolidated financial statements and the accompanying notes included elsewhere in this Annual Report on Form 10-K. This discussion and analysis contains forward-looking statements that are subject to certain risks and uncertainties and are based on certain assumptions that we believe are reasonable but may prove to be inaccurate. Certain risks, uncertainties and other factors, including those set forth under “Forward-Looking Statements,” “Risk Factors” and elsewhere in this Annual Report on Form 10-K, may cause actual results to differ materially from those projected results discussed in the forward-looking statements appearing in this discussion and analysis. We assume no obligation to update any of these forward-looking statements.
 
Special Note Regarding Forward-Looking Statements
 
Congress passed the Private Securities Litigation Act of 1995 in an effort to encourage corporations to provide information about a Company's anticipated future financial performance. This act provides a safe harbor for such disclosure, which protects us from unwarranted litigation, if actual results are different from Management expectations. This discussion and analysis contains forward-looking statements and reflects Management’s current views and estimates of future economic circumstances, industry conditions, company performance and financial results. The words “may,” “should,” “expect,” “anticipate,” “intend,” “plan,” “continue,” “believe,” “seek,” “estimate” and similar expressions are intended to identify forward-looking statements. These forward-looking statements are subject to a number of factors and uncertainties, including, changes in general economic conditions, either nationally or in our market areas, that are worse than expected; competition among depository and other financial institutions; inflation and changes in the interest rate environment that reduce our margins or reduce the fair value of financial instruments; adverse changes in the securities markets; changes in laws or government regulations or policies affecting financial institutions, including changes in regulatory fees and capital requirements; our ability to enter new markets successfully and capitalize on growth opportunities; our ability to successfully integrate acquired entities, if any; changes in consumer spending, borrowing and savings habits; changes in accounting policies and practices, as may be adopted by the bank regulatory agencies, the Financial Accounting Standards Board, the Securities and Exchange Commission and the Public Company Accounting Oversight Board; changes in our organization, compensation and benefit plans; changes in our financial condition or results of operations that reduce capital available to pay dividends; and changes in the financial condition or future prospects of issuers of securities that we own, which could cause our actual results and experience to differ from the anticipated results and expectations, expressed in such forward-looking statements.
 
Overview
 
First Guaranty Bancshares is a Louisiana corporation and a bank holding company headquartered in Hammond, Louisiana. Our wholly-owned subsidiary, First Guaranty Bank, a Louisiana-chartered commercial bank, provides personalized commercial banking services primarily to Louisiana customers through 21 banking facilities primarily located in the MSAs of Hammond, Baton Rouge, Lafayette and Shreveport-Bossier City. We emphasize personal relationships and localized decision making to ensure that products and services are matched to customer needs. We compete for business principally on the basis of personal service to customers, customer access to officers and directors and competitive interest rates and fees.
 
Total assets were $1.5 billion at December 31, 2015 and December 31, 2014. Total deposits were $1.3 billion at December 31, 2015 and $1.4 billion at December 31, 2014. Total loans were $841.6 million at December 31, 2015, an increase of $51.3 million, or 6.5%, compared with December 31, 2014. Common shareholders’ equity was $118.2 million and $100.1 million at December 31, 2015 and December 31, 2014, respectively.
 
Net income was $14.5 million, $11.2 million and $9.1 million for the years ended December 31, 2015, 2014 and 2013, respectively. We generate most of our revenues from interest income on loans, interest income on securities, sales of securities and service charges, commissions and fees. We incur interest expense on deposits and other borrowed funds and noninterest expense such as salaries and employee benefits and occupancy and equipment expenses. Net interest income is the difference between interest income earned on interest-earning assets such as loans and securities and interest expense paid on interest-bearing liabilities such as deposits and borrowings which are used to fund those assets. Net interest income is our largest source of revenue. To evaluate net interest income, we measure and monitor: (1) yields on our loans and other interest-earning assets; (2) the costs of our deposits and other funding sources; (3) our net interest spread and (4) our net interest margin. Net interest spread is the difference between rates earned on interest-earning assets and rates paid on interest-bearing liabilities. Net interest margin is calculated as net interest income divided by average interest-earning assets. Because noninterest-bearing sources of funds, such as noninterest-bearing deposits also fund interest-earning assets, net interest margin includes the benefit of these noninterest-bearing sources.
 
Changes in market interest rates and interest rates we earn on interest-earning assets or pay on interest-bearing liabilities, as well as the volume and types of interest-earning assets, interest-bearing and noninterest-bearing liabilities are usually the largest drivers of periodic changes in net interest spread, net interest margin and net interest income. Fluctuations in market interest rates are driven by many factors, including governmental monetary policies, inflation, deflation, macroeconomic developments, changes in unemployment, the money supply, political and international conditions and conditions in domestic and foreign financial markets. Periodic changes in the volume and types of loans in our loan portfolio are affected by, among other factors, economic and competitive conditions in Louisiana and our other out-of-state market areas. During the extended period of historically low interest rates, we continue to evaluate our investments in interest-earning assets in relation to the impact such investments have on our financial condition, results of operations and shareholders’ equity if interest rates were to suddenly increase as they did in the second and third quarters of 2013.
 
-35-
Financial highlights for 2015 and 2014:
● Total assets at December 31, 2015 decreased $59.1 million, or 3.9%, to $1.5 billion when compared to December 31, 2014. Total loans at December 31, 2015 were $841.6 million, an increase of $51.3 million, or 6.5%, compared with December 31, 2014. Common shareholders' equity was $118.2 million and $100.1 million at December 31, 2015 and 2014, respectively.
   
●
Net income for the years ended December 31, 2015 and 2014 was $14.5 million and $11.2 million, respectively. The increase in net income for 2015 was the result of higher loan interest income and non-interest income and lower interest expense compared to 2014. In addition, First Guaranty liquidated an equity security during 2015 at a gain of $2.7 million. 
   
●
Net income available to common shareholders after preferred stock dividends was $14.1 million and $10.8 million for the years ended December 31, 2015 and 2014, respectively. Dividends on preferred stock were $0.4 million in 2015 and 2014.
   
●
Earnings per common share were $2.01 and $1.57 for the years ended December 31, 2015 and 2014, respectively.
   
● First Guaranty completed its common stock offering on November 12, 2015 that raised $9.3 million in capital.  First Guaranty's common stock is traded on NASDAQ under the symbol FGBI.
   
● First Guaranty declared a 10% common stock dividend on November 19, 2015 that was paid on December 17, 2015 to shareholders of record as of December 10, 2015. 
   
●
First Guaranty used proceeds from a $25.0 million senior secured loan and a $15.0 million subordinated debt offering to redeem all $39.4 million of its Series C preferred stock from the U.S. Treasury Department Small Business Lending Fund on December 22, 2015. 
   
●
Net interest income for 2015 was $47.5 million compared to $44.1 million for 2014.
   
●
The provision for loan losses totaled $3.9 million for 2015 compared to $2.0 million in 2014.  The increase in provision was due to growth in the loan portfolio and due to charge-offs of $4.2 million associated primarily with five loan relationships.
   
● The net interest margin for 2015 was 3.26%, which was an increase of fifteen basis points from the net interest margin of 3.11% for 2014. First Guaranty attributed the improvement in the net interest margin to the continued shift in interest earning asset balances from securities to loans and the continued reduction in interest expense over the last year.
   
●
Investment securities totaled $546.1 million at December 31, 2015, a decrease of $95.5 million when compared to $641.6 million at December 31, 2014. At December 31, 2015, available for sale securities, at fair value, totaled $376.4 million; a decrease of $123.4 million when compared to $499.8 million at December 31, 2014. At December 31, 2015, held to maturity securities, at amortized cost, totaled $169.8 million; an increase of $28.0 million when compared to $141.8 million at December 31, 2014. Mortgage-backed securities, backed by U.S. Government agencies or enterprises, made up $92.4 million of the $169.8 million of the held to maturity securities at December 31, 2015.
   
●
Total loans net of unearned income were $841.6 million at December 31, 2015 compared to $790.3 million at December 31, 2014. The net loan portfolio at December 31, 2015 totaled $832.2 million, a net increase of $51.0 million from $781.2 million at December 31, 2014. Total loans net of unearned income are reduced by the allowance for loan losses which totaled $9.4 million at December 31, 2015 and $9.1 million at December 31, 2014.
   
●
Total impaired loans decreased $3.7 million to $25.8 million at December 31, 2015 compared to $29.5 million at December 31, 2014.
   
●
Nonaccrual loans increased $7.8 million to $20.0 million at December 31, 2015 compared to $12.2 million at December 31, 2014.
   
●
Common stock increased 0.7 million shares to 7.6 million shares at December 31, 2015 when compared to 6.9 million shares at December 31, 2014. This was due to the completion of the public offering in the fourth quarter of 2015.
   
●
Retained earnings increased $8.5 million to $49.9 million at December 31, 2015 when compared to $41.4 million at December 31, 2014.
   
●
Return on average assets for the year end December 31, 2015 and December 31, 2014 was 0.97% and 0.77%, respectively. Return on average common equity was 12.98% and 11.40% for 2015 and 2014, respectively. Return on average assets is calculated by dividing net income before preferred dividends by average assets. Return on average common equity is calculated by dividing net income to common shareholders by average common equity.
   
●
Book value per common share was $15.54 as of December 31, 2015 compared to $14.47 as of December 31, 2014. Tangible book value per common share was $15.10 as of December 31, 2015 compared to $13.95 as of December 31, 2014.
   
●
The increase in book value was principally due to an increase in common shareholders' equity of $18.1 million to $118.2 million at December 31, 2015. Surplus increased $9.9 million to $61.6 million at December 31, 2015. Retained earnings increased $8.5 million to $49.9 million at December 31, 2015. These increases were offset by a change in accumulated other comprehensive income (loss) from an unrealized gain of $0.2 million at December 31, 2014 to an unrealized loss of $0.9 million at December 31, 2015.
   
●
First Guaranty's Board of Directors declared and First Guaranty paid cash dividends of $0.60 and $0.58 per common share in 2015 and 2014.
-36-
Application of Critical Accounting Policies
 
Our accounting and reporting policies conform to generally accepted accounting principles in the United States and to predominant accounting practices within the banking industry. Certain critical accounting policies require judgment and estimates which are used in the preparation of the financial statements.
 
Allowance for Loan Losses. The allowance for loan losses is established through a provision for loan losses charged to expense. Loans are charged against the allowance for loan losses when management believes that the collectability of the principal is unlikely. The allowance, which is based on evaluation of the collectability of loans and prior loan loss experience, is an amount that, in the opinion of management, reflects the risks inherent in the existing loan portfolio and exists at the reporting date. The evaluations take into consideration a number of subjective factors including changes in the nature and volume of the loan portfolio, overall portfolio quality, review of specific problem loans, current economic conditions that may affect a borrower’s ability to pay, adequacy of loan collateral and other relevant factors. In addition, regulatory agencies, as an integral part of their examination process, periodically review the estimated losses on loans. Such agencies may require additional recognition of losses based on their judgments about information available to them at the time of their examination.
The following are general credit risk factors that affect our loan portfolio segments. These factors do not encompass all risks associated with each loan category. Construction and land development loans have risks associated with interim construction prior to permanent financing and repayment risks due to the future sale of developed property. Farmland and agricultural loans have risks such as weather, government agricultural policies, fuel and fertilizer costs, and market price volatility. One- to four-family residential, multi-family, and consumer credits are strongly influenced by employment levels, consumer debt loads and the general economy. Non-farm non-residential loans include both owner-occupied real estate and non-owner occupied real estate. Common risks associated with these properties is the ability to maintain tenant leases and keep lease income at a level able to service required debt and operating expenses. Commercial and industrial loans generally have non-real estate secured collateral which requires closer monitoring than real estate collateral.
 
Although management uses available information to recognize losses on loans, because of uncertainties associated with local economic conditions, collateral values and future cash flows on impaired loans, it is reasonably possible that a material change could occur in the allowance for loan losses in the near term. However, the amount of the change that is reasonably possible cannot be estimated. The evaluation of the adequacy of loan collateral is often based upon estimates and appraisals. Because of changing economic conditions, the valuations determined from such estimates and appraisals may also change. Accordingly, we may ultimately incur losses that vary from management’s current estimates. Adjustments to the allowance for loan losses will be reported in the period such adjustments become known or can be reasonably estimated. All loan losses are charged to the allowance for loan losses when the loss actually occurs or when the collectability of the principal is unlikely. Recoveries are credited to the allowance at the time of recovery.
 
The allowance consists of specific, general, and unallocated components. The specific component relates to loans that are classified as doubtful, substandard, and impaired. For such loans that are also classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. Also, a specific reserve is allocated for our syndicated loans. The general component covers non-classified loans and special mention loans and is based on historical loss experience adjusted for qualitative factors. An unallocated component is maintained to cover uncertainties that could affect the estimate of probable losses.
 
The allowance for loan losses is reviewed on a monthly basis. The monitoring of credit risk also extends to unfunded credit commitments, such as unused commercial credit lines and letters of credit. A reserve is established as needed for estimates of probable losses on such commitments.
 
-37-
Other-Than-Temporary Impairment of Investment Securities. Management evaluates securities for other-than-temporary impairment ("OTTI") at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation.  Declines in the fair value of securities below their cost that are other-than-temporary are reflected as realized losses.  In estimating other-than-temporary losses, management considers the length of time and extent that fair value has been less than cost and the financial condition and near term prospects of the issuer.  Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings.  For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in other comprehensive income.  The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings.
 
Valuation of Goodwill, Intangible Assets and Other Purchase Accounting Adjustments. Intangible assets are comprised of goodwill, core deposit intangibles and mortgage servicing rights. Goodwill and intangible assets deemed to have indefinite lives are no longer amortized, but are subject to annual impairment tests. Our goodwill is tested for impairment on an annual basis, or more often if events or circumstances indicate impairment may exist. Adverse changes in the economic environment, declining operations, or other factors could result in a decline in the implied fair value of goodwill. If the implied fair value is less than the carrying amount, a loss would be recognized in other noninterest expense to reduce the carrying amount to implied fair value of goodwill. Our goodwill impairment test includes two steps that are preceded by a “step zero” qualitative test. The qualitative test allows management to assess whether qualitative factors indicate that it is more likely than not that impairment exists. If it is not more likely than not that impairment exists, then the two step quantitative test would not be necessary. These qualitative indicators include factors such as earnings, share price, market conditions, etc. If the qualitative factors indicate that it is more likely than not that impairment exists, then the two step quantitative test would be necessary. Step one is used to identify potential impairment and compares the estimated fair value of a reporting unit with its carrying amount, including goodwill. If the estimated fair value of a reporting unit exceeds its carrying amount, goodwill of the reporting unit is considered not impaired. If the carrying amount of a reporting unit exceeds its estimated fair value, the second step of the goodwill impairment test is performed to measure the amount of impairment loss, if any. Step two of the goodwill impairment test compares the implied estimated fair value of reporting unit goodwill with the carrying amount of that goodwill. If the carrying amount of goodwill for that reporting unit exceeds the implied fair value of that unit’s goodwill, an impairment loss is recognized in an amount equal to the excess.
 
Identifiable intangible assets are acquired assets that lack physical substance but can be distinguished from goodwill because of contractual or legal rights or because the assets are capable of being sold or exchanged either on their own or in combination with related contract, asset or liability. Our intangible assets primarily relate to core deposits. Management periodically evaluates whether events or circumstances have occurred that would result in impairment of value.
-38-
Financial Condition
 
Assets.
 
Our total assets were $1.5 billion at December 31, 2015, a decrease of $59.1 million, or 3.9%, from total assets at December 31, 2014, primarily due to the decrease of our investment securities portfolio of $95.5 million and cash and cash equivalents of $7.3 million, partially offset by growth of $51.0 million in our loan portfolio.

Loans.
 
Net loans increased $51.0 million, or 6.5%, to $832.2 million at December 31, 2015 from $781.2 million at December 31, 2014. Net loans increased during 2015 primarily due to a $27.9 million increase in commercial and industrial loans, a $11.4 million increase in one- to four-family residential loans, a $11.2 million increase in consumer and other loans, a $4.1 million increase in farmland loans and a $4.0 million increase in construction and land development loans. Commercial and industrial loans increased primarily due to an increase in our small business lending as a result of our participation in the SBLF. Syndicated loans declined during 2015 from $129.0 million at December 31, 2014 to $105.9 million at December 31, 2015. One- to four-family residential loans increased due to an increase in our loan originations and the decision to retain one-to-four family residential loans in our portfolio rather than sell them in the secondary market.  Consumer and other loans increased due to the continued growth in our commercial lease originations and due to increased funding associated with an existing credit facility to a financial institution. The increase in farmland loans was primarily the result of the increase in the disbursement of our farmland loan commitments due to the seasonality of farming operations during the year ended December 31, 2015. The increase in construction and land development loans was due to increased draws on lines of credit. There are no significant concentrations of credit to any individual borrower.
 
As of December 31, 2015, 63.9% of our loan portfolio was secured primarily or secondarily by real estate. The largest portion of our loan portfolio, at 38.3% at December 31, 2015, was non-farm non-residential loans secured by real estate. Approximately 39.8% of the loan portfolio is based on a floating rate tied to the prime rate or London InterBank Offered Rate, or LIBOR, at December 31, 2015. Approximately 82.6% of the loan portfolio is scheduled to mature within 5 years from December 31, 2015.
 
Loan Portfolio Composition. The tables below sets forth the balance of loans, excluding loans held for sale, outstanding by loan type as of the dates presented, and the percentage of each loan type to total loans.
 
       At December 31,  
    2015       2014     2013     2012     2011  
(in thousands except for %)   Amount     Percent     Amount    
Percent
     Amount     Percent    
Amount
    
Percent
    
Amount
    
Percent
  
Real Estate:
                                        
Construction & land development
   $ 56,132       6.6 %   $ 52,094       6.6 %   $ 47,550       6.7 %  
$
44,856
      
7.1
%
  
$
78,614
      
13.7
%
Farmland
      17,672        2.1 %     13,539       1.7 %     9,826       1.4 %    
11,182
      
1.8
%
    
11,577
      
2.0
%
1- 4 Family
      129,610        15.4 %      118,181       14.9 %     103,764       14.7 %    
87,473
      
13.8
%
    
89,202
      
15.6
%
Multifamily
      12,629        1.5 %      14,323       1.8 %     13,771       2.0 %    
14,855
      
2.4
%
    
16,914
      
2.9
%
Non-farm non-residential
      323,363        38.3 %      328,400       41.5 %     336,071       47.7 %    
312,716
      
49.6
%
    
268,618
      
46.8
%
Total Real Estate
      539,406        63.9 %      526,537       66.5 %     510,982       72.5 %    
471,082
      
74.7
%
    
464,925
      
81.0
%
Non-real Estate:                                                                                
Agricultural
     25,838       3.1 %      26,278       3.3 %     21,749       3.1 %    
18,476
      
2.9
%
    
17,338
      
3.0
%
Commercial and industrial
      224,201        26.6 %      196,339       24.8 %     151,087       21.4 %    
117,425
      
18.6
%
    
68,025
      
11.9
%
Consumer and other
      54,163        6.4 %      42,991       5.4 %     20,917       3.0 %    
23,758
      
3.8
%
    
23,455
      
4.1
%
Total Non-real Estate      304,202        36.1 %      265,608       33.5 %     193,753       27.5 %     159,659       25.3 %     108,818       19.0 %
Total Loans Before Unearned Income
     843,608       100.0 %      792,145       100.0 %     704,735       100.0 %    
630,741
      
100.0
%
    
573,743
      
100.0
%
Less: Unearned income
     (2,025 )              (1,824 )             (1,569 )            
(1,241
)
            
(643
)
        
Total Loans Net of Unearned Income
   $  841,583             $ 790,321             $ 703,166            
$
629,500
            
$
573,100
          
 
 
-39-
 
Loan Portfolio Maturities. The following tables summarize the scheduled repayments of our loan portfolio at December 31, 2015 and 2014. Demand loans, loans having no stated repayment schedule or maturity, and overdraft loans are reported as being due in one year or less. Maturities are based on the final contractual payment date and do not reflect the effect of prepayments and scheduled principal amortization.
 
 
  December 31, 2015  
(in thousands)
 One Year or Less   More Than One Year Through Five Years   After Five Years   Total  
Real Estate:
                        
Construction & land development
$
6,450
   $ 39,133   $ 10,549   $  56,132  
Farmland
  
4,080
     9,115     4,477      17,672  
1 - 4 family
 
15,543
     44,109     69,958      129,610  
Multifamily
  
4,386
     7,055     1,188     12,629  
Non-farm non-residential
  
63,145
     237,223     22,995      323,363  
Total Real Estate
  
93,604
     336,635     109,167      539,406  
Non-real Estate:                        
Agricultural
  
10,364
     3,704     11,770      25,838  
Commercial and industrial
  
28,261
     188,732     7,208     224,201  
Consumer and other
  
11,834
     41,965     364      54,163  
Total Non-Real Estate   50,459     234,401     19,342      304,202  
Total Loans Before Unearned Income
$
144,063
   $ 571,036   $
128,509
      843,608  
Less: unearned income                      (2,025 ) 
Total Loans Net of Unearned Income                   $  841,583  
 
 
  December 31, 2014  
(in thousands)
 One Year or Less   More Than One Year Through Five Years   After Five Years   Total  
Real Estate:
                        
Construction & land development
$
19,747
   $ 30,376   $  1,971   $  52,094  
Farmland
  
1,084
      9,135     3,320      13,539  
1 - 4 family
 
20,869
     32,048     65,264      118,181  
Multifamily
  
5,437
      7,686      1,200      14,323  
Non-farm non-residential
  
69,575
     222,648      36,177      328,400  
Total Real Estate
  
116,712
     301,893      107,932      526,537  
Non-real Estate:                        
Agricultural
  
12,190
     3,214     10,874      26,278  
Commercial and industrial
  
32,140
     147,005     17,194      196,339  
Consumer and other
  
6,642
     30,660      5,689      42,991  
Total Non-Real Estate    50,972      180,879     33,757      265,608  
Total Loans Before Unearned Income
$
167,684
   $  482,772   $
141,689
      792,145  
Less: unearned income                      (1,824 ) 
Total Loans Net of Unearned Income                   $  790,321  
 
-40-
The following table sets forth the scheduled repayments of fixed and adjustable-rate loans at December 31, 2015 that are contractually due after December 31, 2016.
 
 
Due After December 31, 2015
  
(in thousands)
Fixed
  
Floating
  
Total
  
One to five years
  
315,685
    
246,374
    
562,059
  
Five to 15 years
  
49,197
    
31,456
    
80,653
  
Over 15 years
  
36,438
    
9,333
    
45,771
  
Subtotal
$
401,320
   $
287,163
    $
688,483
  
Nonaccrual loans
              
20,039
  
Total
            $
668,444
  
 
As of December 31, 2015, $132.9 million of floating rate loans were at their interest rate floor. At December 31, 2014, $195.7 million of floating rate loans were at the floor rate. Nonaccrual loans have been excluded from these totals.
  
Non-performing Assets.
Non-performing assets consist of non-performing loans and other real-estate owned. Non-performing loans (including nonaccruing troubled debt restructurings described below) are those on which the accrual of interest has stopped or loans which are contractually 90 days past due on which interest continues to accrue. Loans are ordinarily placed on nonaccrual status when principal and interest is delinquent for 90 days or more. However, management may elect to continue the accrual when the estimated net available value of collateral is sufficient to cover the principal balance and accrued interest. It is our policy to discontinue the accrual of interest income on any loan for which we have reasonable doubt as to the payment of interest or principal. When a loan is placed on nonaccrual status, unpaid interest credited to income is reversed. Nonaccrual loans are returned to accrual status when the financial position of the borrower indicates there is no longer any reasonable doubt as to the payment of principal or interest. Other real estate owned consists of property acquired through formal foreclosure, in-substance foreclosure or by deed in lieu of foreclosure.
 
-41-
The following table shows the principal amounts and categories of our non-performing assets at December 31, 2015, 2014, 2013, 2012 and 2011.
      December 31,  
(in thousands)
   2015     2014     2013    
2012
     2011  
Nonaccrual loans:
                    
Real Estate:
                  
Construction and land development
   $ 558     $ 486    
$
73
    
$
854
     $ 1,520  
Farmland
     117       153      
130
      
312
       562  
1 - 4 family residential
      4,538       3,819      
4,248
      
4,603
       5,647  
Multifamily
      9,045       -      
-
      
-
       -  
Non-farm non-residential
      2,934       4,993      
7,539
      
11,571
       12,400  
Total Real Estate      17,192       9,451       11,990       17,340       20,129  
Non-Real Estate:
                                        
Agricultural
     2,628       832      
526
      
512
       315  
Commercial and industrial
      48       1,907      
1,946
      
2,831
       1,986  
Consumer and other
      171       4      
23
      
5
       20  
Total Non-Real Estate      2,847       2,743       2,495       3,348       2,321  
Total nonaccrual loans
     20,039       12,194      
14,485
      
20,688
       22,450  
                                         
Loans 90 days and greater delinquent & still accruing:
                                        
Real Estate:
                                        
Construction and land development
     -       -      
-
      
-
       -  
Farmland
      19       -      
-
      
-
       -  
1 - 4 family residential
      391       599      
414
      
455
       309  
Multifamily
      -       -      
-
      
-
       -  
Non-farm non-residential
      -       -      
-
      
-
       419  
Total Real Estate      410       599       414       455       728  
Non-Real Estate:
                                        
Agricultural
     -       -      
-
      
-
       -  
Commercial and industrial
      -       -      
-
      
-
       -  
Consumer and other
      -       -      
-
      
-
       8  
Total Non-Real Estate      -       -       -       -       8  
Total loans 90 days and greater delinquent & still accruing
      410       599      
414
      
455
       736  
                                         
Total non-performing loans
   $ 20,449     $ 12,793    
$
14,899
    
$
21,143
     $ 23,186  
                                         
Other real estate owned and foreclosed assets:
                                        
Real Estate:                                        
Construction and land development
     25       127      
754
      
1,083
       1,161  
Farmland     -       -       -       -       -  
1 - 4 family residential
     880       1,121      
1,803
      
1,186
       1,342  
Multifamily      -       -       -       -       -  
Non-farm non-residential
     672       950      
800
      
125
       3,206  
Total Real Estate     1,577       2,198       3,357       2,394       5,709  
Non-Real Estate:                                        
Agricultural     -       -       -       -       -  
Commercial and industrial       -       -       -       -       -  
Consumer and other       -       -       -       -       -  
Total Non-Real estate      -       -       -       -       -  
Total other real estate owned and foreclosed assets       1,577       2,198       3,357       2,394       5,709  
                                         
Total non-performing assets
   $  22,026     $ 14,991    
$
18,256
    
$
23,537
     $ 28,895  
                                         
Non-performing assets to total loans     2.62 %      1.90 %     2.60 %     3.74 %     5.04 %
Non-performing assets to total assets     1.51 %      0.99 %     1.27 %     1.67 %     2.13 %
Non-performing loans to total loans     2.43 %      1.62 %     2.12 %     3.36 %     4.05 %
 
-42-
 
For the years ended December 31, 2015 and 2014, gross interest income which would have been recorded had the non-performing loans been current in accordance with their original terms amounted to $1.1 million and $0.9 million, respectively. We recognized $0.1 million and $0.4 million of interest income on such loans during the years ended December 31, 2015 and 2014, respectively. For the years ended December 31, 2015 and 2014, gross interest income which would have been recorded had the troubled debt restructured loans been current in accordance with their original terms amounted to $0.3 million and $0.2 million, respectively. We recognized $0.2 million and $0.1 million of interest income on such loans during the years ended December 31, 2015 and 2014, respectively.
 
Non-performing assets were $22.0 million, or 1.51%, of total assets at December 31, 2015, compared to $15.0 million, or 0.99%, of total assets at December 31, 2014, which represented an increase in non-performing assets of $7.0 million. The increase in non-performing assets occurred primarily as a result of an increase in non-accrual loans from $12.2 million at December 31, 2014 to $20.0 million at December 31, 2015. The increase in non-performing assets was concentrated in multifamily real estate loans.  This increase was partially offset by a decrease in other real estate owned of $0.6 million to $1.6 million at December 31, 2015. Non-performing assets includes $2.1 million, or 9.5% in loans with a government guarantee. These are structured as net loss guarantees in which up to 90% of loss exposure is covered.
 
At December 31, 2015, our largest non-performing assets were comprised of the following nonaccrual loans: (1) a multifamily real estate loan with a balance of $5.3 million secured by commercial property; (2) a multifamily real estate loan with a balance of $2.9 million secured by commercial property; (3) a non-farm non-residential loan with a balance of $1.8 million secured by commercial property; and (4) a lending relationship with three one- to four-family residential loans that in aggregate total $1.7 million.
 
Troubled Debt Restructuring. Another category of assets which contribute to our credit risk is troubled debt restructurings (“TDRs”). A TDR is a loan for which a concession has been granted to the borrower due to a deterioration of the borrower’s financial condition. Such concessions may include reduction in interest rates, deferral of interest or principal payments, principal forgiveness and other actions intended to minimize the economic loss and to avoid foreclosure or repossession of the collateral. We strive to identify borrowers in financial difficulty early and work with them to modify to more affordable terms before such loan reaches nonaccrual status. In evaluating whether to restructure a loan, management analyzes the long-term financial condition of the borrower, including guarantor and collateral support, to determine whether the proposed concessions will increase the likelihood of repayment of principal and interest. TDRs that are not performing in accordance with their restructured terms and are either contractually 90 days past due or placed on nonaccrual status are reported as non-performing loans. Our policy provides that nonaccrual TDRs are returned to accrual status after a period of satisfactory and reasonable future payment performance under the terms of the restructuring. Satisfactory payment performance is generally no less than six consecutive months of timely payments and demonstrated ability to continue to repay.
 
The following is a summary of loans restructured as TDRs at December 31, 2015, 2014 and 2013:
 
      At December 31,  
(in thousands)   2015     2014    
2013
  
TDRs:            
In Compliance with Modified Terms   $ 3,431    
$
2,998
    
$
3,006
  
Past Due 30 through 89 days and still accruing      -       2,204       -  
Past Due 90 days and greater and still accruing      -       -       -  
Nonaccrual     368       -       -  
Restructured Loans that subsequently defaulted     1,908       230       230  
Total TDR   $ 5,707     $ 5,432     $ 3,236  
  
At December 31, 2015, the outstanding balance of our troubled debt restructurings, was $5.7 million as compared to $5.4 million at December 31, 2014. At December 31, 2015, we had five outstanding TDRs: (1) a $2.9 million non-farm non-residential loan secured by commercial real estate, which is performing in accordance with its modified terms; (2) a $1.7 million relationship with three individual loans secured by one-to-four family residential properties that subsequently defaulted and is on non-accrual; (3) a $0.4 million construction and land development loan secured by raw land that is on non-accrual; (4) a $0.4 million non-farm non-residential loan secured by commercial real estate, which is performing in accordance with its modified terms; and (5) a $0.2 million loan secured by commercial real estate that subsequently defaulted and is on non-accrual. Relationship number three was a new troubled debt restructuring in 2015. The other relationships were from prior years. The restructuring of these loans were related to interest rate or amortization concessions .
 
Classified Assets. Federal regulations provide for the classification of loans and other assets, such as debt and equity securities considered by the FDIC to be of lesser quality, as “substandard,” “doubtful” or “loss.” An asset is considered “substandard” if it is inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. “Substandard” assets include those characterized by the “distinct possibility” that the insured institution will sustain “some loss” if the deficiencies are not corrected. Assets classified as “doubtful” have all of the weaknesses inherent in those classified as “substandard,” with the added characteristic that the weaknesses present make “collection or liquidation in full,” on the basis of currently existing facts, conditions, and values, “highly questionable and improbable.” Assets classified as “loss” are those considered “uncollectible” and of such little value that their continuance as assets without the establishment of a specific allowance for loan losses is not warranted. Assets that do not currently expose the insured institution to sufficient risk to warrant classification in one of the aforementioned categories but possess weaknesses are designated as “special mention” by our management.
-43-
When an insured institution classifies problem assets as either substandard or doubtful, it may establish general allowances in an amount deemed prudent by management to cover losses that were both probable and reasonable to estimate. General allowances represent allowances which have been established to cover accrued losses associated with lending activities that were both probable and reasonable to estimate, but which, unlike specific allowances, have not been allocated to particular problem assets. When an insured institution classifies problem assets as “loss,” it is required either to establish a specific allowance for losses equal to 100% of that portion of the asset so classified or to charge-off such amount. An institution’s determination as to the classification of its assets and the amount of its valuation allowances is subject to review by the regulatory authorities, which may require the establishment of additional general or specific allowances.
 
In connection with the filing of our periodic regulatory reports and in accordance with our classification of assets policy, we continuously assess the quality of our loan portfolio and we regularly review the problem loans in our loan portfolio to determine whether any loans require classification in accordance with applicable regulations. Loans are listed on the “watch list” initially because of emerging financial weaknesses even though the loan is currently performing as agreed, or delinquency status, or if the loan possesses weaknesses although currently performing. Management reviews the status of our loan portfolio delinquencies, by product types, with the full board of directors on a monthly basis. Individual classified loan relationships are discussed as warranted. If a loan deteriorates in asset quality, the classification is changed to “special mention,” “substandard,” “doubtful” or “loss” depending on the circumstances and the evaluation. Generally, loans 90 days or more past due are placed on nonaccrual status and classified “substandard.”
 
We also employ a risk grading system for our loans to help assure that we are not taking unnecessary and/or unmanageable risk. The primary objective of the loan risk grading system is to establish a method of assessing credit risk to further enable management to measure loan portfolio quality and the adequacy of the allowance for loan losses. Further, we contract with an external loan review firm to complete a credit risk assessment of the loan portfolio on a regular basis to help determine the current level and direction of our credit risk. The external loan review firm communicates the results of their findings to the Bank’s audit committee. Any material issues discovered in an external loan review are also communicated to us immediately.
 
The following table sets forth our amounts of classified loans and loans designated as special mention at December 31, 2015, 2014 and 2013. Classified assets totaled $58.7 million at December 31, 2015, and included $20.4 million of non-performing loans.
 
      At December 31,  
(in thousands)   2015     2014     2013  
Classification of Loans:            
Substandard   $ 58,654     $ 44,752     $ 39,856  
Doubtful     -       -       -  
Total Classified Assets   $ 58,654     $ 44,752     $ 39,856  
Special Mention   $ 10,752     $ 28,702     $ 21,327  
 
The increase in classified assets at December 31, 2015 as compared to December 31, 2014 was due to a $13.9 million increase in substandard loans. The increase in classified assets came primarily from assets previously designated as special mention that were moved to substandard.  Substandard loans at December 31, 2015 consisted of $23.4 million in non-farm non-residential, $9.5 million in commercial and industrial, $9.0 million in multifamily, $7.3 million in one- to four-family residential, $5.0 million in agricultural and the remaining $4.4 million comprised of farmland, construction and land development and consumer and other loans. Substandard loans included one syndicated loan with a principal balance of $7.9 million that provides services for the oil and gas industry.

-44-
Allowance for Loan Losses
 
The allowance for loan losses is maintained to absorb potential losses in the loan portfolio. The allowance is increased by the provision for loan losses offset by recoveries of previously charged-off loans and is decreased by loan charge-offs. The provision is a charge to current expense to provide for current loan losses and to maintain the allowance commensurate with management’s evaluation of the risks inherent in the loan portfolio. Various factors are taken into consideration when determining the amount of the provision and the adequacy of the allowance. These factors include but are not limited to:

●
past due and non-performing assets;
 
●
specific internal analysis of loans requiring special attention;
 
●
the current level of regulatory classified and criticized assets and the associated risk factors with each;
 
●
changes in underwriting standards or lending procedures and policies;
 
●
charge-off and recovery practices;
 
●
national and local economic and business conditions;
 
● 
nature and volume of loans;
 
●
overall portfolio quality;
 
●
adequacy of loan collateral;
 
●
quality of loan review system and degree of oversight by our board of directors;
 
●
competition and legal and regulatory requirements on borrowers;
 
●
examinations of the loan portfolio by federal and state regulatory agencies and examinations; and
 
●
review by our internal loan review department and independent accountants.
 
The data collected from all sources in determining the adequacy of the allowance is evaluated on a regular basis by management with regard to current national and local economic trends, prior loss history, underlying collateral values, credit concentrations and industry risks. An estimate of potential loss on specific loans is developed in conjunction with an overall risk evaluation of the total loan portfolio. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as new information becomes available.
 
The allowance consists of specific, general, and unallocated components. The specific component relates to loans that are classified as doubtful, substandard, and impaired. For such loans that are also classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. Also, a specific reserve is allocated for our syndicated loans, including shared national credits. The general component covers non-classified loans and special mention loans and is based on historical loss experience for the past three years adjusted for qualitative factors described above. An unallocated component is maintained to cover uncertainties that could affect the estimate of probable losses.
 
The allowance for losses was $9.4 million at December 31, 2015 compared to $9.1 million at December 31, 2014.
-45-
The balance in the allowance for loan losses is principally influenced by the provision for loan losses and by net loan loss experience. Additions to the allowance are charged to the provision for loan losses. Losses are charged to the allowance as incurred and recoveries on losses previously charged to the allowance are credited to the allowance at the time recovery is collected. The table below reflects the activity in the allowance for loan losses for the years indicated.
 
      At or For the Years Ended December 31,  
(dollars in thousands)
   2015     2014     2013     2012    
2011
  
Balance at beginning of year
   $ 9,105     $ 10,355     $ 10,342     $ 8,879    
$
8,317
  
                                     
Charge-offs:
                                        
Real Estate:
                                        
Construction and land development
     (559 )      (1,032 )     (233 )     (65 )    
(1,093
)
Farmland
      -       -       (31 )     -      
(144
 )
1 - 4 family residential
      (410 )      (589 )     (220 )     (1,409 )    
(1,613
)
Multifamily
      (947 )      -       -       (187 )    
-
  
Non-farm non-residential
      (1,137 )      (1,515 )     (1,148 )     (459 )    
(5,193
)
Total Real Estate      (3,053 )      (3,136 )     (1,632 )     (2,120 )     (8,043 )
Non-Real Estate:                                        
Agricultural     (491 )      (2 )     (41 )     (49 )     (23 )
Commercial and industrial loans
      (79 )      (266 )     (1,098 )     (809 )    
(1,638
)
Consumer and other
      (550 )      (289 )     (262 )     (473 )    
(653
)
Total Non-Real Estate      (1,120 )      (557 )     (1,401 )     (1,331 )     (2,314 )
Total charge-offs
     (4,173 )      (3,693 )     (3,033 )     (3,451 )    
(10,357
)
                                         
Recoveries:
                                        
Real Estate:
                                        
Construction and land development
     5       6       10       15      
1
  
Farmland
      -       -       140       1      
-
  
1 - 4 family residential
     94       99       49       35      
118
  
Multifamily
      46       49       -       -      
-
  
Non-farm non-residential
      5       9       8       116      
13
  
Total Real Estate      150       163       207       167       132  
Non-Real Estate:                                        
Agricultural     3       1       5       1       2  
Commercial and industrial loans
      315       118       71       329      
371
  
Consumer and other
      151       199       243       283      
227
  
Total Non-Real Estate      469       318       319       613       600  
Total recoveries
     619       481       526       780      
732
  
                                         
Net (charge-offs) recoveries
     (3,554 )      (3,212 )     (2,507 )     (2,671 )    
(9,625
)
Provision for loan losses
     3,864       1,962       2,520       4,134      
10,187
  
                                         
Balance at end of year
   $  9,415     $ 9,105     $ 10,355     $ 10,342    
$
8,879
  
                                         
Ratios:
                                        
Net loan charge-offs to average loans
     0.44 %     0.45 %     0.38 %     0.45 %    
1.65
%
Net loan charge-offs to loans at end of year
     0.42 %     0.41 %     0.36 %     0.42 %    
1.68
%
Allowance for loan losses to loans at end of year
     1.12 %     1.15 %     1.47 %     1.64 %    
1.55
%
Net loan charge-offs to allowance for loan losses
     37.75 %     35.28 %     24.21 %     25.83 %    
108.40
%
Net loan charge-offs to provision charged to expense
     91.98 %     163.71 %     99.48 %     64.61 %    
94.48
%
 
-46-
A provision for loan losses of $3.9 million was made during the year ended December 31, 2015 as compared to $2.0 million for 2014. The provisions made in 2015 were taken to provide for current loan losses as a result of increased charge-offs and to maintain the allowance proportionate to risks inherent in the loan portfolio.
 
Total charge-offs were $4.2 million during the year ended December 31, 2015 as compared to $3.7 million for 2014. Recoveries totaled $0.6 million for the year ended December 31, 2015 and $0.5 million during 2014. Comparing the year ended December 31, 2015 to the year ended December 31, 2014, the increase in the allowance was attributed to growth in the loan portfolio. The primary change to the credit quality of the loan portfolio was associated with the downgrades of loans. Special mention loans decreased principally due to the downgrade of loans from special mention to substandard.
 
The charged-off loan balances for the year ended December 31, 2015 were concentrated in five loan relationships which totaled $2.5 million, or 61.4%, of the total charged-off amount. The details of the $4.2 million in charged-off loans were as follows:
 
● 
First Guaranty recorded a partial charge off of $0.8 million on a non-farm non-residential loan. The loan had a balance of $1.8 million at December 31, 2015.
● 
First Guaranty recorded a partial charge off of $0.5 million on a multi-family loan. The loan had a balance of $0.9 million at December 31, 2015.
● 
First Guaranty recorded a partial charge off of $0.5 million on a multi-family loan. The loan had a balance of $5.3 million at December 31, 2015.
● 
First Guaranty recorded a partial charge off of $0.4 million on a construction and land development loan relationship. The relationship had a balance of $0.4 million at December 31, 2015.
● 
First Guaranty charged off a $0.3 million agriculture loan.
● 
The remaining $1.7 million of charge-offs for 2015 were comprised of smaller loans and overdrawn deposit accounts.
 
-47-
 
Allocation of Allowance for Loan Losses. The following tables set forth the allowance for loan losses allocated by loan category and the percent of loans in each category to total loans at the dates indicated. The allowance for loan losses allocated to each category is not necessarily indicative of future losses in any particular category and does not restrict the use of the allowance for losses in other categories.
 
    At December 31,  
    2015     2014  
(dollars in thousands)   Allowance for Loan Losses     Percent of Allowance to Total Allowance for Loan Losses     Percent of Loans in Each Category to Total Loans     Allowance for Loan Losses     Percent of Allowance to Total Allowance for Loan Losses     Percent of Loans in Each Category to Total Loans  
Real Estate:                        
Construction and land development   $ 962       10.2 %     6.6 %   $ 702       7.7 %     6.6 %
Farmland     54       0.6 %     2.1 %     21       0.2 %     1.7 %
1-4 family residential     1,771       18.8 %     15.4 %     2,131       23.4 %     14.9 %
Multifamily      557       5.9 %     1.5 %     813       8.9 %    
1.8
 %
Non-farm non-residential      3,298       35.0 %     38.3 %     2,713       29.8 %     41.5 %
                                                 
Non-Real Estate:                                                
Agricultural   $ 16       0.2 %     3.1 %   $ 293       3.2 %     3.3 %
Commercial and industrial      2,527       26.9 %     26.6 %     1,797       19.8 %     24.8 %
Consumer and other      230       2.4 %     6.4 %     371       4.1 %     5.4 %
Unallocated      -       - %     - %     264       2.9 %     - %
                                                 
Total Allowance   $ 9,415       100.0 %     100.0 %   $ 9,105       100.0 %     100.0 %
 
    At December 31,  
    2013     2012  
(dollars in thousands)   Allowance for Loan Losses     Percent of Allowance to Total Allowance for Loan Losses     Percent of Loans in Each Category to Total Loans     Allowance for Loan Losses     Percent of Allowance to Total Allowance for Loan Losses     Percent of Loans in Each Category to Total Loans  
Real Estate:                        
Construction and land development   $ 1,530       14.8 %     6.7 %   $ 1,098       10.6 %     7.1 %
Farmland     17       0.2 %     1.4 %     50       0.5 %     1.8 %
1-4 family residential     1,974       19.1 %     14.7 %     2,239       21.7 %     13.8 %
Multifamily     376       3.6 %     2.0 %     284       2.7 %     2.4 %
Non-farm non-residential     3,607       34.8 %     47.7 %     3,666       35.4 %     49.6 %
                                                 
Non-Real Estate:                                                
Agricultural   $ 46       0.4 %     3.1 %   $ 64       0.6 %     2.9 %
Commercial and industrial     2,176       21.0 %     21.4 %     2,488       24.1 %     18.6 %
Consumer and other     208       2.0 %     3.0 %     233       2.3 %     3.8 %
Unallocated     421       4.1 %     - %     220       2.1 %     - %
                                                 
Total Allowance   $ 10,355       100.0 %     100.0 %   $ 10,342       100.0 %     100.0 %
 
-48-
    At December 31,  
    2011  
(dollars in thousands)   Allowance for Loan Losses     Percent of Allowance to Total Allowance for Loan Losses     Percent of Loans in Each Category to Total Loans  
Real Estate:            
Construction and land development   $ 1,002       11.3 %     13.7 %
Farmland     65       0.7 %     2.0 %
1-4 family residential     1,917       21.6 %     15.6 %
Multifamily     780       8.8 %     2.9 %
Non-farm non-residential     2,980       33.6 %     46.8 %
                         
Non-Real Estate:                        
Agricultural   $ 125       1.4 %     3.0 %
Commercial and industrial     1,407       15.8 %     11.9 %
Consumer and other     314       3.5 %     4.1 %
Unallocated     289       3.3 %     - %
                         
Total Allowance   $ 8,879       100.0 %     100.0 %
 
-49-
Investment Securities.
 
Investment securities at December 31, 2015 totaled $546.1 million, a decrease of $95.5 million, or 14.9%, compared to $641.6 million at December 31, 2014. The decrease was primarily attributed to the sale of short-term U.S. government agencies and corporate bonds. Our investment securities portfolio is comprised of both available-for-sale securities and securities that we intend to hold to maturity. We purchase securities for our investment portfolio to provide a source of liquidity, to provide an appropriate return on funds invested, to manage interest rate risk and meet pledging requirements for public funds and borrowings. In particular, our held-to-maturity securities portfolio is used as collateral for our public funds deposits.
 
The securities portfolio consisted principally of U.S. Government and Government agency securities, agency mortgage-backed securities, corporate debt securities and municipal bonds. U.S. government agencies consist of FHLB, Federal Farm Credit Bank (“FFCB”), Freddie Mac and Fannie Mae obligations. Mortgage backed securities that we purchase are issued by Freddie Mac and Fannie Mae. Management monitors the securities portfolio for both credit and interest rate risk. We generally limit the purchase of corporate securities to individual issuers to manage concentration and credit risk. Corporate securities generally have a maturity of 10 years or less. U.S. Government securities consist of U.S. Treasury bills that have maturities of less than 30 days. Government agency securities generally have maturities of 15 years or less. Agency mortgage backed securities have stated final maturities of 15 to 20 years.
 
At December 31, 2015, the U.S Government and Government agency securities and municipal bonds qualified as securities available to collateralize public funds. Securities pledged totaled $427.4 million at December 31, 2015 and $516.5 million at December 31, 2014. Our public funds deposits have a seasonal increase due to tax collections at the end of the year and the first quarter. We typically collateralize the seasonal public fund increases with short term instruments such as U.S. Treasuries or other agency backed securities.
 
The following table sets forth the amortized cost and fair values of our securities portfolio at the dates indicated.
 
        At December 31,  
      2015     2014     2013  
(in thousands)  
Amortized Cost
    
Fair Value
    
Amortized Cost
    
Fair Value
    
Amortized Cost
    
Fair Value
  
Available-for-sale:
                        
U.S Treasuries   $ 29,999     $ 29,999     $ 36,000     $ 36,000     $ 36,000     $ 36,000  
U.S. Government Agencies
      165,364        163,811       295,620      
291,495
      
302,816
      
286,699
  
Corporate debt securities
     105,680        105,136       126,654      
130,063
      
142,580
       144,481  
Mutual funds or other equity securities
      580        582       570      
574
      
564
      
556
  
Municipal bonds
      47,339        48,233       40,599       41,676      
16,091
      
16,475
  
Mortgage-backed securities      28,891        28,608       -       -       -       -  
Total available-for-sale securities
      377,853        376,369      
499,443
      
499,808
      
498,051
      
484,211
  
                                                 
Held to maturity:
                                                
U.S. Government Agencies
     77,343       76,622      
84,479
      
82,529
      
86,927
      
80,956
  
Mortgage-backed securities      92,409        91,526       57,316       57,159       63,366       60,686  
Total held to maturity securities
   $  169,752     $  168,148    
$
141,795
    
$
139,688
    
$
150,293
    
$
141,642
  
 
Our available-for-sale securities portfolio totaled $376.4 million at December 31, 2015, a decrease of $123.4 million, or 24.7%, compared to $499.8 million at December 31, 2014. The decrease was due to the transfer of securities classified as available-for-sale to held-to-maturity along with the sale and maturities of short-term US government agencies and corporate bonds. The securities transferred to held-to-maturity were $51.8 million of government agency securities with unrealized losses of $128,000. These securities are primarily used for the collateralization of public funds deposits. These securities have a contractual maturity of five to ten years. First Guaranty completed its liquidation of the common stock from a converted preferred security in the third quarter of 2015 that generated a gain on sale of $2.7 million.  During 2015, First Guaranty deemed two corporate debt securities to be other-than-temporarily impaired.  Credit related impairment in the amount of $0.2 million was charged to earnings.  Non-credit related other-than-temporary impairment of $0.4 million was recorded in other comprehensive income.  No other declines in fair value were deemed other-than-temporary.  During 2014 and 2013 there were no other-than-temporary charges recorded on First Guaranty's investment portfolio.
 
Our held-to-maturity securities portfolio had an amortized cost of $169.8 million at December 31, 2015, an increase of $28.0 million, or 19.7%, compared to $141.8 million at December 31, 2014. The increase was due to the transfer of securities classified as available-for-sale to held-to-maturity of $51.8 million, and the purchase of $48.3 million of securities classified as held-to-maturity that was partially offset by early payoffs of $64.1 million of government agencies and the continued amortization of our mortgage-backed securities.
 
-50-

 
The following table sets forth the stated maturities and weighted average yields of our investment securities at December 31, 2015 and 2014.
 
 
 At December 31, 2015
  One Year or Less   More than One Year through Five Years   More than Five Years through Ten Years   More than Ten Years  
(in thousands except for %)
Carrying Value
  
Weighted Average Yield
  
Carrying Value
  
Weighted Average Yield
  
Carrying Value
  
Weighted Average Yield
  
Carrying Value
  
Weighted Average Yield
  
Available for sale:
                                
U.S Treasuries $ 29,999   0.1 % $ -   - % $ -   - % $ -   - %
U.S. Government Agencies
-
   - %
86,856
   1.6 %
67,173
   2.4 %
9,782
   3.0 %
Corporate and other debt securities
  
7,656
   3.5 %  
47,586
    4.1 %  
47,895
    3.8 %   1,999   4.4 %
Mutual funds or other equity securities
  
-
   - %  
-
   - %  
-
   - %  
582
   - %
Municipal bonds 
   1,250   1.7 %     4,482    2.1 %    7,638    2.8 %    34,863    2.7 %
Mortgage-backed securities
  
-
   - %  
-
   - %  
-
   - %  
28,608
   2.6 %
Total available for sale securities
  
38,905
   0.8 %  
138,924
   2.5 %  
122,706
   3.0 %  
75,834
   2.8 %
                                         
Held to maturity:
                                        
U.S. Government Agencies   -   - %   21,803   1.6 %   55,540   2.2 %   -   - %
Mortgage-backed securities    -   - %   -   - %   -   - %   92,409   2.4 %
Corporate and other debt securities     -   - %    -   - %    -   - %    -   - %
Total held to maturity securities
$
-
   - %
$
21,803
   1.6 %
$
55,540
   2.2 %
$
92,409
   2.4 %
 
 At December 31, 2014
  One Year or Less   More than One Year through Five Years   More than Five Years through Ten Years   More than Ten Years  
(in thousands except for %)
Carrying Value
  
Weighted Average Yield
  
Carrying Value
  
Weighted Average Yield
  
Carrying Value
  
Weighted Average Yield
  
Carrying Value
  
Weighted Average Yield
  
Available for sale:
                                
U.S Treasuries $ 36,000   0.0 % $ -   - % $ -   - % $ -   - %
U.S. Government Agencies
15,029
   0.3 %
160,611
   1.0 %
  94,787
    1.9 %
21,068
    3.0 %
Corporate and other debt securities
  
  18,834
   1.7 %  
53,797
    3.8 %  
  53,748
    3.9 %  
3,684
    4.7 %
Mutual funds or other equity securities
  
-
   - %  
-
    - %  
-
    - %  
574
    0.0 %
Municipal bonds
  
1,802
   2.0 %  
5,377
    1.9 %  
8,996
    3.2 %  
25,501
    3.0 %
Mortgage Backed Securities   -    - %    -    - %   -    - %    -    - %
Total available for sale securities
  
71,665
   0.6 %  
219,785
   1.7 %  
157,531
   2.7 %  
50,827
    3.1 %
                                         
Held to maturity:
                                        
U.S. Government Agencies   -   - %   24,999   1.2  %   59,480   1.9 %   -   - %
Mortgage-backed securities    -    - %    -   - %   -   - %   57,316   2.2 %
Corporate and other debt securities     -    - %    -   - %    -    - %    -   - %
Total held to maturity securities
$
  -
    - %
$
24,999
   1.2 %
$
59,480
   1.9 %
$
57,316
   2.2 %

At December 31, 2015, $38.9 million, or 7.1%, of the securities portfolio was scheduled to mature in less than one year. Securities, not including mortgage-backed securities, with contractual maturity dates over 10 years totaled $47.2 million, or 8.7%, of the total portfolio at December 31, 2015. We closely monitor the investment portfolio’s yield, duration, and maturity to ensure a satisfactory return. The average maturity of the securities portfolio is affected by call options that may be exercised by the issuer of the securities and are influenced by market interest rates. Prepayments of mortgages that collateralize mortgage-backed securities also affect the maturity of the securities portfolio. Based on internal forecasts at December 31, 2015, we believe that the securities portfolio has a forecasted weighted average life of approximately 5.3 years based on the current interest rate environment. A parallel interest rate shock of 400 basis points is forecasted to increase the weighted average life of the portfolio to approximately 5.7 years.
 
-51-
At December 31, 2015, the following table identifies the issuers, and the aggregate amortized cost and aggregate fair value of the securities of such issuers that exceeded 10% of our total shareholders’ equity:
 
  At December 31, 2015
(in thousands) Amortized Cost   Fair Value
U.S. Treasuries $ 29,999   $ 29,999
FHLB   85,507      84,689
Freddie Mac    66,271     65,589
Fannie Mae    127,504     126,294
Federal Farm Credit Bank   84,726      83,996
Total $ 394,007   $  390,567
 
-52-
Deposits
 
Managing the mix and pricing the maturities of deposit liabilities is an important factor affecting our ability to maximize our net interest margin. The strategies used to manage interest-bearing deposit liabilities are designed to adjust as the interest rate environment changes. We regularly assess our funding needs, deposit pricing and interest rate outlooks. From December 31, 2014 to December 31, 2015, total deposits decreased $76.0 million, or 5.5%, to $1.3 billion. Time deposits decreased $65.0 million, or 9.9%, to $592.0 million at December 31, 2015 compared to $657.0 million at December 31, 2014. The majority of the decrease in time deposits was associated with the maturity of higher priced individual and business time deposits that did not renew. Noninterest-bearing demand deposits increased $5.2 million from December 31, 2014 to December 31, 2015. Interest-bearing demand deposits decreased $23.1 million from December 31, 2014 to December 31, 2015.  First Guaranty had $26.7 million in brokered deposits at December 31, 2015.
 
As we seek to strengthen our net interest margin and improve our earnings, attracting core noninterest-bearing deposits will be a primary emphasis. Management will continue to evaluate and update our product mix in its efforts to attract additional core customers. We currently offer a number of noninterest-bearing deposit products that are competitively priced and designed to attract and retain customers with primary emphasis on core deposits.
 
The following table sets forth the distribution of deposit accounts, by account type, for the dates indicated.
 
For the Years Ended December 31,   
Total Deposits  2015    2014   2013   
(in thousands except for %)  Average Balance    Percent    
Weighted Average Rate
    Average Balance   Percent     
Weighted Average Rate
   Average Balance    Percent   
Weighted Average Rate
 		  
Noninterest-bearing Demand $  211,584   15.9 %   0.0 %    $ 200,127   15.3 %   0.0 %   $  196,589   15.8 %   0.0 %  
Interest-bearing Demand    401,617    30.2 %    0.4 %       386,363    29.6 %    0.3 %      334,573    26.8 %    0.4 %  
Savings    77,726    5.8 %     0.0 %       69,719    5.4 %    0.0 %      64,639    5.2 %    0.1 %  
Time    640,134    48.1 %     1.1 %       649,165    49.7 %    1.2 %      650,540    52.2 %    1.5 %  
Total Deposits $  1,331,061    100.0 %     0.6 %    $  1,305,374    100.0 %    0.8 %   $   1,246,341  
 100.0
 %    0.9 %  
 
For the Years Ended December 31,   
Individual and Business Deposits  2015    2014   2013   
(in thousands except for %)  Average Balance    Percent    
Weighted Average Rate
    Average Balance   Percent     
Weighted Average Rate
   Average Balance    Percent   
Weighted Average Rate
 		  
Noninterest-bearing Demand $  207,334  
27.6
 %   0.0 %    $ 197,332   25.3 %   0.0 %   $  193,773   24.6 %   0.0 %  
Interest-bearing Demand   112,864    15.0 %    0.2 %       105,569    13.5 %    0.2 %      85,384    10.9 %    0.3 %  
Savings    65,775    8.7 %     0.1 %      61,288    7.9 %    0.0 %      57,819    7.3 %    0.1 %  
Time    366,244    48.7 %     1.4 %       414,975   53.3 %    1.4 %      450,178   57.2 %    1.8 %  
Total Individual and Business Deposits $   752,217   100.0 %     0.7 %    $  779,164    100.0 %    0.8 %   $   787,154    100.0 %    1.1 %  
 
For the Years Ended December 31,   
Public Fund Deposits  2015    2014   2013   
(in thousands except for %)  Average Balance    Percent    
Weighted Average Rate
    Average Balance   Percent     
Weighted Average Rate
   Average Balance    Percent   
Weighted Average Rate
 		  
Noninterest-bearing Demand $  4,250   0.7 %   0.0 %    $ 2,795   0.5 %   0.0 %   $  2,816   0.6 %   0.0 %  
Interest-bearing Demand   288,753    49.9 %    0.4 %       280,794    53.4 %    0.4 %      249,189   54.3 %    0.4 %  
Savings   11,951    2.1 %     0.0 %       8,431    1.6 %    0.0 %     6,820    1.5 %    0.1 %  
Time   273,890    47.3 %     0.7 %      234,190    44.5 %    0.7 %      200,362    43.6 %    0.8 %  
Total Public Fund Deposits $  578,844   100.0 %     0.5 %    $  526,210    100.0 %    0.5 %   $   459,187    100.0 %    0.6 %  
 
-53-
At December 31, 2015, public funds deposits totaled $568.7 million compared to $601.5 million at December 31, 2014. We have developed a program for the retention and management of public funds deposits. Since the end of 2012, we have maintained public funds deposits in excess of $400.0 million. These deposits are from public entities such as school districts, hospital districts, sheriff departments and municipalities. $462.9 million of these accounts at December 31, 2015 are under contracts with terms of three years or less. Three of these relationships account for 42.5% of our contract public funds deposits, each of which is currently under contract with us. These deposits generally have stable balances as we maintain both operating accounts and time deposits for these entities. There is a seasonal component to public deposit levels associated with annual tax collections.  Public funds deposits will increase at the end of the year and the first quarter.  Public funds deposit accounts are collateralized by FHLB letters of credit, by Louisiana municipal bonds and eligible government and government agency securities such as those issued by the FHLB, FFCB, Fannie Mae, and Freddie Mac. We invest the majority of these public deposits in our investment portfolio, but have increasingly invested more public funds into loans during the last three years.
 
The following table sets forth our public funds as a percent of total deposits.
 
    At December 31,  
(in thousands except for %)
   2015     2014    
2013
    
2012
  
Public Funds:
              
 
Noninterest-bearing Demand   $ 4,906     $ 3,241     $ 3,016     $ 3,735  
Interest-bearing Demand     296,416       321,382       296,739       265,296  
Savings     14,667       10,142       7,209       6,415  
Time     252,688       266,743       208,614       195,052  
Total Public Funds    $ 568,677     $ 601,508     $ 515,578     $ 470,498  
Total Deposits
   $ 1,295,870     $ 1,371,839    
$
1,303,099
    
$
1,252,612
  
Total Public Funds as a percent of Total Deposits
    43.9 %      43.9 %    
39.6
 %    
37.6
 %
 
 
-54-
At December 31, 2015, the aggregate amount of outstanding certificates of deposit in amounts greater than or equal to $100,000 was approximately $426.1 million. At December 31, 2015, approximately $114.2 million of our certificates of deposit greater than or equal to $100,000 had a remaining term greater than one year.
 
The following table sets forth the maturity of the total certificates of deposit greater than or equal to $100,000 at December 31, 2015.
 
(in thousands)
 December 31, 2015  
Due in one year or less
 $ 311,868  
Due after one year through three years
   88,315  
Due after three years
   25,885  
Total certificates of deposit greater than or equal to $100,000
 $ 426,068
 
Borrowings.
 
We maintain borrowing relationships with other financial institutions as well as the FHLB on a short and long-term basis to meet liquidity needs. Short-term borrowings totaled $1.8 million at December 31, 2015 and 2014. The short-term borrowings at December 31, 2015 were comprised of a line of credit of $2.5 million, with an outstanding balance of $1.8 million.
 
At December 31, 2015, we had $195.0 million in FHLB letters of credit outstanding obtained solely for collateralizing public deposits.
 
The following table sets forth information concerning balances and interest rates on our short-term borrowings at the dates and for the years indicated.
 
      At or For the Years Ended December 31,   
(in thousands except for %)   2015     2014    
2013
  
Balance at end of year 
   $ 1,800   $ 1,800    
$
5,788
  
Maximum month-end outstanding
   $ 13,800     $ 22,356    
$
57,302
  
Average daily outstanding
   $  4,217     $ 6,960    
$
21,387
  
Total Weighted average rate during the year
     2.12 %     1.08 %    
0.98
%
Average rate during year
     4.50 %      4.50 %    
1.51
%
 
First Guaranty Bancshares had senior long-term debt totaling $25.8 million at December 31, 2015, an increase of $24.4 million, as compared to $1.5 million at December 31, 2014. The increase in long-term senior debt was due to the new term loan with a balance of $25.0 million at December 31, 2015 which was used to assist in repaying SBLF in December 2015.
 
First Guaranty also had junior subordinated debentures totaling $14.6 million at December 31, 2015 which were used to assist in repaying the preferred stock issued in connection with the SBLF program in December 2015.
 
Shareholders’ Equity
 
Total shareholders’ equity decreased to $118.2 million at December 31, 2015 from $139.6 million at December 31, 2014. The decrease in total shareholders’ equity was principally the result of the redemption of the Series C Preferred Stock for $39.4 million in December 2015 from the U.S. Treasury in order to exit the SBLF program. The decrease was partially offset by the net proceeds of $9.3 million from the issuance of common stock in a public offering which closed in the fourth quarter of 2015. Total shareholders' equity also increased due to net income of $14.5 million during the year ended December 31, 2015, partially offset by $4.2 million in cash dividends paid on our common stock and $0.4 million in dividends paid on our preferred stock. The change in the balance of the accumulated other comprehensive income from a $0.2 million gain at December 31, 2014 to a $0.9 million loss at December 31, 2015 also reduced shareholders' equity. The reduction was due to a $1.6 million reduction in the gross unrealized mark to market gains on available for sale securities (before taxes).
 
-55-
Results of Operations
Performance Summary
 
Year ended December 31, 2015 compared with year ended December 31, 2014. Net income for the year ended December 31, 2015 was $14.5 million, an increase of $3.3 million, or 29.2%, from $11.2 million for the year ended December 31, 2014. Net income available to common shareholders for the year ended December 31, 2015 was $14.1 million which was an increase of $3.3 million from $10.8 million for 2014. The increase in net income for the year ended December 31, 2015 was primarily the result of increased loan interest income, increased noninterest income, and lower interest expense. Net gains on securities for the years ended December 31, 2015 and 2014 were $3.3 million and $0.3 million, respectively. Earnings per common share for the year ended December 31, 2015 was $2.01 per common share, an increase of 28.0% or $0.44 per common share from $1.57 per common share for the year ended December 31, 2014 (as adjusted for the 10% stock dividend in December 2015).
 
Year ended December 31, 2014 compared with year ended December 31, 2013. Net income for the year ended December 31, 2014 was $11.2 million, an increase of $2.1 million, or 22.7%, from $9.1 million for the year ended December 31, 2013. Net income available to common shareholders for the year ended December 31, 2014 was $10.8 million which was an increase of $2.4 million from $8.4 million for 2013. The increase in net income for the year ended December 31, 2014 was primarily the result of increased loan interest income, lower interest expense and a lower provision expense. Net gains on securities for the years ended December 31, 2014 and 2013 were $0.3 million and $1.6 million, respectively. Earnings per common share for the year ended December 31, 2014 was $1.57 per common share, an increase of 28.7% or $0.35 per common share from $1.22 per common share for the year ended December 31, 2013 (as adjusted for the 10% stock dividend in December 2015).
 
Net Interest Income
 
Our operating results depend primarily on our net interest income, which is the difference between interest income earned on interest-earning assets, including loans and securities, and interest expense incurred on interest-bearing liabilities, including deposits and other borrowed funds. Interest rate fluctuations, as well as changes in the amount and type of interest-earning assets and interest-bearing liabilities, combine to affect net interest income. Our net interest income is affected by changes in the amount and mix of interest-earning assets and interest-bearing liabilities. It is also affected by changes in yields earned on interest-earning assets and rates paid on interest-bearing deposits and other borrowed funds.
A financial institution’s asset and liability structure is substantially different from that of a non-financial company, in that virtually all assets and liabilities are monetary in nature. Accordingly, changes in interest rates may have a significant impact on a financial institution’s performance. The impact of interest rate changes depends on the sensitivity to the change of our interest-earning assets and interest-bearing liabilities. The effects of the low interest rate environment in recent years and our interest sensitivity position is discussed below.
 
Year ended December 31, 2015 compared with the year ended December 31, 2014. Net interest income for the year ended December 31, 2015 and 2014 was $47.5 million and $44.1 million, respectively. The increase in net interest income for the year ended December 31, 2015 was primarily due to the increase in the average balance of our total interest-earning assets and a decrease in the average rate of our total interest-bearing liabilities. The average balance of total interest-earning assets increased by $37.5 million to $1.5 billion for the year  ended December 31, 2015 as compared to the year ended December 31, 2014. The average yield on our total interest-earning assets increased nine basis points to 3.85% for the year ended December 31, 2015 compared to 3.76% for the year ended December 31, 2014. The average rate of our total interest-bearing liabilities decreased by seven basis points to 0.76% for the year ended December 31, 2015 compared to 0.83% for the year ended December 31, 2014, which was partially offset by the increase in the average balance of total interest-bearing liabilities by $10.5 million to $1.1 billion for the year ended December 31, 2015 as compared to the year ended December 31, 2014.  As a result, our net interest rate spread increased 16 basis points to 3.09% for the year ended December 31, 2015 from 2.93% for the year ended December 31, 2014, and our net interest margin increased 15 basis points to 3.26% for the year ended December 31, 2015 from 3.11% for the year ended December 31, 2014.
 
Year ended December 31, 2014 compared with the year ended December 31, 2013. Net interest income for the year ended December 31, 2014 and 2013 was $44.1 million and $39.8 million, respectively. The increase in net interest income for the year ended December 31, 2014 was primarily due to the increase in the average balance of our total interest-earning assets and a decrease in the average rate of our total interest-bearing liabilities. The average balance of total interest-earning assets increased by $55.0 million to $1.4 billion for the year  ended December 31, 2014 as compared to the year ended December 31, 2013. The average yield on our total interest-earning assets increased 3 basis points to 3.76% for the year ended December 31, 2014 compared to 3.73% for the year ended December 31, 2013. The average rate of our total interest-bearing liabilities decreased by 21 basis points to 0.83% for the year ended December 31, 2014 compared to 1.04% for the year ended December 31, 2013, which was partially offset by the increase in the average balance of total interest-bearing liabilities by $46.3 million to $1.1 billion for the year  ended December 31, 2014 as compared to the year ended December 31, 2013. As a result, our net interest rate spread increased 24 basis points to 2.93% for the year ended December 31, 2014 from 2.69% for the year ended December 31, 2013, and our net interest margin increased 19 basis points to 3.11% for the year ended December 31, 2014 from 2.92% for the year ended December 31, 2013.
 
-56-
Interest Income
 
Year ended December 31, 2015 compared with the year ended December 31, 2014. Interest income increased $2.8 million, or 5.2%, to $56.1 million for the year ended December 31, 2015 from $53.3 million for the year ended December 31, 2014 primarily as a result of a $2.7 million increase in interest income on loans. The increase in interest income resulted primarily from a $37.5 million increase in the average balance of our interest-earnings assets to $1.5 billion for the year ended December 31, 2015. The average yield on our interest-earning assets increased by nine basis points to 3.85% for the year ended December 31, 2015 compared to 3.76% for the year ended December 31, 2014.
 
Interest income on loans increased $2.7 million, or 6.9%, to $42.5 million for the year ended December 31, 2015 as a result of an increase in the average balance of loans, partially offset by a decrease in the average yield on loans. The average balance of loans (excluding loans held for sale) increased by $88.6 million to $816.0 million for the year ended December 31, 2015 from $727.4 million for the year ended December 31, 2014 as a result of new loan originations, the majority of which were one-to-four family residential loans, a purchased pool of performing commercial leases, the origination of commercial leases, and commercial and industrial loans. Partially offsetting the increase in interest income on loans was a decrease in the average yield on loans (excluding loans held for sale), which decreased by 26 basis points to 5.21% for the year ended December 31, 2015 compared to 5.47% for the year ended December 31, 2014 due to pay-offs of higher-yielding existing loans in the current low interest rate environment.
 
Interest income on securities increased $76,000, or 0.6%, to $13.5 million for the year ended December 31, 2015 as a result of the increase in the average yield on securities, which was partially offset by a decrease in the average balance of securities. The average yield on securities increased by 13 basis points to 2.21% for the year ended December 31, 2015 compared to 2.08% for the year ended December 31, 2014 due to the sale of lower yielding securities, which were reinvested in shorter duration higher yielding securities. The average balance of securities decreased $35.2 million to $609.3 million for the year ended December 31, 2015 from $644.6 million for the year ended December 31, 2014 due to the decrease in the average balance of our municipal and short-term agency securities. 
 
Year ended December 31, 2014 compared with the year ended December 31, 2013. Interest income increased $2.4 million, or 4.7%, to $53.3 million for the year ended December 31, 2014 from $50.9 million for the year ended December 31, 2013 primarily as a result of a $2.5 million increase in interest income on loans. The increase in interest income resulted primarily from a $55.0 million increase in the average balance of our interest-earnings assets to $1.4 billion for the year ended December 31, 2014. The average yield on our interest-earning assets increased by 3 basis points to 3.76% for the year ended December 31, 2014 compared to 3.73% for the year ended December 31, 2013.
 
Interest income on loans increased $2.5 million, or 6.7%, to $39.8 million for the year ended December 31, 2014 as a result of an increase in the average balance of loans, partially offset by a decrease in the average yield on loans. The average balance of loans (excluding loans held for sale) increased by $59.6 million to $727.4 million for the year ended December 31, 2014 from $667.8 million for the year ended December 31, 2013 as a result of new loan originations, the majority of which were owner-occupied non-farm non-residential loans and commercial and industrial loans associated with syndicated loans, including shared national credits. Partially offsetting the increase in interest income on loans was a decrease in the average yield on loans (excluding loans held for sale), which decreased by 11 basis points to 5.47% for the year ended December 31, 2014 compared to 5.58% for the year ended December 31, 2013 due to pay-offs of higher-yielding existing loans in the current low interest rate environment.
 
Interest income on securities decreased $44,000, or 0.3%, to $13.4 million for the year ended December 31, 2014 as a result of the decrease in the average yield on securities, which was partially offset by an increase in the average balance of securities. The average balance of securities increased $14.0 million to $644.6 million for the year ended December 31, 2014 from $630.6 million for the year ended December 31, 2013 due to the increase in the average balance of our municipal and short-term agency securities. The average yield on securities decreased by 5 basis points to 2.08% for the year ended December 31, 2014 compared to 2.13% for the year ended December 31, 2013 due to payoffs of higher yielding securities, which were reinvested in shorter duration lower yielding securities.
 
Interest Expense
 
Year ended December 31, 2015 compared with the year ended December 31, 2014. Interest expense decreased $0.6 million, or 6.5%, to $8.6 million for the year ended December 31, 2015 from $9.2 million for the year ended December 31, 2014 due primarily to a decrease in the average rate on time deposits. The average rate of time deposits decreased by 10 basis points during the year ended December 31, 2015 to 1.09%, reflecting downward repricing of our time deposits in the continued low interest rate environment. The average balance of interest-bearing deposits increased by $14.2 million during the year ended December 31, 2015 to $1.1 billion as a result of a $15.3 million increase in the average balance of interest- bearing demand deposits, which was partially offset by a $9.0 million decrease in the average balance of time deposits.
 
Year ended December 31, 2014 compared with the year ended December 31, 2013. Interest expense decreased $1.9 million, or 17.4%, to $9.2 million for the year ended December 31, 2014 from $11.1 million for the year ended December 31, 2013 due primarily to a decrease in the average rate on time deposits. The average rate of time deposits decreased by 30 basis points during the year ended December 31, 2014 to 1.19%, reflecting downward repricing of our time deposits in the continued low interest rate environment. The average balance of interest-bearing deposits increased by $55.5 million during the year ended December 31, 2014 to $1.1 billion as a result of a $51.8 million increase in the average balance of interest- bearing demand deposits, which was partially offset by a $1.4 million decrease in the average balance of time deposits.
 
During the year ended December 31, 2014 and the year ended December 31, 2013, the lower cost of our deposits and the change in the mix of our deposits were primarily due to the repricing of our time deposits that were offered to customers through our local marketing campaign in 2010 to diversify our deposit base. These time deposits primarily matured in 2012, which allowed us to lower the costs of our time deposits by repricing our time deposits to lower interest rates which continued in 2014.
-57-
Average Balances and Yields. The following table sets forth average balance sheet balances, average yields and costs, and certain other information for the years indicated. No tax-equivalent yield adjustments were made, as the effect thereof was not material. All average balances are daily average balances. Nonaccrual loans were included in the computation of average balances, but have been reflected in the table as loans carrying a zero yield. Loans, net of unearned income, include loans held for sale. The yields set forth below include the effect of deferred fees, discounts and premiums that are amortized or accreted to interest income or expense.

The net interest income yield presented below is calculated by dividing net interest income by average interest-earning assets and is a measure of the efficiency of the earnings from the balance sheet activities. It is affected by changes in the difference between interest on interest-earning assets and interest-bearing liabilities and the percentage of interest-earning assets funded by interest-bearing liabilities.
 
        December 31, 2015     December 31, 2014     December 31, 2013  
(in thousands except for %)
   Average  Balance     Interest    
Yield/Rate
     Average Balance     Interest    
Yield/Rate
     Average  Balance     Interest    
 
Yield/Rate
  
Assets
                                    
Interest-earning assets:
                                             
Interest-earning deposits with banks(1)
   $ 30,485     $ 72       0.24 %  
$
46,455
    
$
115
       0.25 %  
$
63,417
    
$
157
       0.25 %
Securities (including FHLB stock)
      609,348       13,471        2.21 %    
644,561
      
13,395
       2.08 %    
630,586
      
13,439
       2.13 %
Federal funds sold
      312        -        - %     
304
      
-
       - %    
1,738
      
1
       0.06 %
Loans held for sale      -        -        - %      10       -       - %     119       -       - %
Loans, net of unearned income
      816,027        42,536        5.21 %     
727,385
      
39,787
       5.47 %    
667,814
      
37,289
       5.58 %
Total interest-earning assets
      1,456,172        56,079        3.85 %    
1,418,715
      
53,297
       3.76 %    
1,363,674
      
50,886
       3.73 %
                                                                         
Noninterest-earning assets:
                                                                        
Cash and due from banks
     7,191                      
9,030
                      
9,219
                  
Premises and equipment, net
      20,300                      
19,738
                      
19,681
                  
Other assets
      5,870                      
7,528
                      
8,216
                  
Total Assets
   $  1,489,533                    
$
1,455,011
                    
$
1,400,790
                  
                                                                         
Liabilities and Shareholders' Equity
                                                                        
Interest-bearing liabilities:
                                                                      
Demand deposits
   $ 401,617       1,419       0.35 %  
$
386,363
      
1,312
       0.34 %  
$
334,573
      
1,262
       0.38 %
Savings deposits
      77,726       38      0.05 %    
69,719
      
33
       0.05 %    
64,639
      
41
       0.06 %
Time deposits
      640,134        6,985      1.09 %     
649,165
      
7,716
       1.19 %    
650,540
      
9,682
       1.49 %
Borrowings
      6,320        166        2.62 %     
10,083
      
141
       1.40 %    
19,286
      
149
       0.77 %
Total interest-bearing liabilities
      1,125,797        8,608        0.76 %     
1,115,330
      
9,202
       0.83 %    
1,069,038
      
11,134
       1.04 %
                                                                         
Noninterest-bearing liabilities:
                                                                        
Demand deposits
     211,584                      
200,127
                      
196,589
                  
Other
      5,010                      
5,157
                      
5,110
                  
Total Liabilities
      1,342,391                      
1,320,614
                      
1,270,737
                  
                                                                         
Shareholders' Equity
     147,142                      
134,397
                      
130,053
                  
Total Liabilities and Shareholders' Equity
   $ 1,489,533                    
$
1,455,011
                    
$
1,400,790
                  
Net interest income
           $ 47,471                    
$
44,095
                    
$
39,752
          
                                                                         
Net interest rate spread(2)
                     3.09 %                      2.93 %                     2.69 %
Net interest-earning assets(3)
   $ 330,375                    
$
303,385
                    
$
294,636
                  
Net interest margin(4)(5)
                     3.26 %                     3.11 %                     2.92 %
                                                                         
Average interest-earning assets to interest-bearing liabilities
                     129.35 %                     127.20 %                     127.56 %
(1) Includes Federal Reserve balances reported in cash and due from banks on the consolidated balance sheets.
(2) Net interest rate spread represents the difference between the yield on average interest-earning assets and the cost of average interest-bearing liabilities.
(3) Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.
(4) Net interest margin represents net interest income divided by average total interest-earning assets.
 (5) The tax adjusted net interest margin was 3.29%, 3.13% and 2.93%  for the years ended December 31, 2015, 2014 and 2013. A 35% tax rate was used to calculate the effect on securities income from tax exempt securities.
-58-
Volume/Rate Analysis.
 
The following table presents the dollar amount of changes in interest income and interest expense for major components of interest-earning assets and interest-bearing liabilities for the years indicated. The table distinguishes between: (1) changes attributable to volume (changes in volume multiplied by the prior year’s rate); (2) changes attributable to rate (change in rate multiplied by the prior year’s volume) and (3) total increase (decrease) (the sum of the previous columns). Changes attributable to both volume and rate are allocated ratably between the volume and rate categories.
 
        For the Years Ended December 31, 2015 vs. 2014     For the Years Ended December 31, 2014 vs. 2013  
        Increase (Decrease) Due To     Increase (Decrease) Due To  
(in thousands except for %)   Volume     Rate     Increase/Decrease     Volume     Rate     Increase/Decrease  
Interest earned on:
                        
Interest-earning deposits with banks
   $ (38 )   $ (5 )   $ (43 )   $ (42
)
  
$
-
    
$
(42
)
Securities (including FHLB stock)
     (754 )      830       76       294      
(338
)
    
(44
 )
Federal funds sold
     -        -       -      
-
      
(1
)
    
(1
)
Loans held for sale     -        -       -       -       -       -  
Loans, net of unearned income
     4,684       (1,935 )      2,749      
3,271
      
(773
 )    
2,498
  
Total interest income
     3,892       (1,110 )      2,782      
3,523
      
(1,112
 )    
2,411
  
                                                 
Interest paid on:
                                                
Demand deposits
     53       54       107      
184
      
(134
)
    
50
  
Savings deposits
     4       1        5      
3
      
(11
)
    
(8
)
Time deposits
     (106 )      (625 )       (731 )     
(20
 )    
(1,946
)
    
(1,966
)
Borrowings
     (66 )      91        25      
(92
 )    
84
      
(8
)
Total interest expense
     (115 )      (479 )       (594 )     
75
      
(2,007
)
     (1,932
)
                                                 
Change in net interest income
   $ 4,007     $ (631 )   $ 3,376    
$
3,448
    
$
895
    
$
4,343
  
 
Provision for Loan Losses
 
A provision for loan losses is a charge to income in an amount that management believes is necessary to maintain an adequate allowance for loan losses. The provision is based on management’s regular evaluation of current economic conditions in our specific markets as well as regionally and nationally, changes in the character and size of the loan portfolio, underlying collateral values securing loans, and other factors which deserve recognition in estimating loan losses. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available or as future events change.
 
We recorded a $3.9 million provision for loan losses for the year ended December 31, 2015 compared to $2.0 million for 2014. The allowance for loan losses at December 31, 2015 was $9.4 million or 1.12% of total loans, compared to $9.1 million or 1.15% of total loans at December 31, 2014. The increase in the provision was attributed to growth in the loan portfolio and a $0.3 million increase in net charge-offs. The primary change to the credit quality of the loan portfolio was associated with the downgrades of loans. Substandard loans increased $13.9 million to $58.7 million at December 31, 2015 from $44.8 million at December 31, 2014. The impaired loan portfolio did not suffer additional declines in estimated fair value requiring further provisions. We believe that the allowance is adequate to cover potential losses in the loan portfolio given the current economic conditions, and current expected net charge-offs and non-performing asset levels. 
 
For the year ended December 31, 2014, the provision for loan losses was $2.0 million, a decrease of $0.6 million from $2.5 million for 2013. The allowance for loan losses was $9.1 million and $10.4 million at December 31, 2014 and 2013, respectively. The decline in the provision was attributed to charge-offs related to impaired loans that had existing specific reserves, as well as improvement in the credit quality of the loan portfolio. The impaired loan portfolio did not suffer additional declines in estimated fair value requiring further provisions. The decline was also due to an improvement in our historical charge-off trends.
 
 
-59-
Noninterest Income.
 
Our primary sources of recurring noninterest income are customer service fees, loan fees, gains on the sale of loans and available-for-sale securities and other service fees. Noninterest income does not include loan origination fees which are recognized over the life of the related loan as an adjustment to yield using the interest method.
 
Noninterest income totaled $9.0 million for the year ended December 31, 2015, an increase of $2.8 million when compared to $6.2 million for 2014. The majority of the increase was due to higher gains on securities sales. Net securities gains were $3.3 million for the year ended December 31, 2015 and $0.3 million for 2014. The gains on securities sales occurred as First Guaranty sold investment securities in order to fund loan growth and liquidated its shares in a preferred security that converted to common stock in 2015 for a gain of $2.7 million.  Service charges, commissions and fees totaled $2.7 million for the year ended December 31, 2015 and $2.8 million for 2014. ATM and debit card fees totaled $1.8 million for the year ended December 31, 2015 and $1.7 million for 2014. Other noninterest income decreased by $0.3 million to $1.1 million  for the year ended December 31, 2015 compared to $1.5 million for 2014. The $0.3 million decrease in other noninterest income was partially caused by a $0.2 million other-than-temporary impairment charge on an investment security.
 
Noninterest income totaled $6.2 million in 2014 which was a decrease of $1.3 million compared to $7.5 million in 2013. The decrease in noninterest income was primarily due to a decrease in gains from the sale of investment securities of $1.3 million. Service charges, commissions and fees totaled $2.8 million for 2014 and $3.0 million for 2013. Other noninterest income increased $0.1 million to $1.5 million in 2014 from $1.3 million in 2013.
Noninterest Expense
 
Noninterest expense includes salaries and employee benefits, occupancy and equipment expense and other types of expenses. Noninterest expense decreased $0.5 million to $31.1 million for the year ended December 31,  2015 compared to 2014. Salaries and benefits expense totaled $15.5 million for 2015 and $15.8 million for 2014. Occupancy and equipment expense totaled $3.8 million for 2015 and $3.9 million for 2014. Other noninterest expense decreased by $0.1 million to $11.8 million for the year ended December 31, 2015.
 
Noninterest expense totaled $31.6 million in 2014 and $31.0 million in 2013. Salaries and benefits expense increased $1.5 million to $15.8 million for 2014 compared to $14.4 million in 2013. The increase in salaries and benefits expense was due primarily to increased costs associated with our employee health insurance plan. First Guaranty terminated the plan in 2014 and enrolled in a fully insured plan from a third party national provider of health insurance. Occupancy and equipment expense totaled $3.9 million for 2014 and 2013. Other noninterest expense totaled $11.8 million in 2014, a decrease of $0.8 million, or 6.7%, when compared to $12.7 million in 2013.
 
The following table presents, for the years indicated, the major categories of other noninterest expense:
 
 
(in thousands)
   December 31, 2015     December 31, 2014    
December 31, 2013
  
Other noninterest expense:
            
Legal and professional fees
   $ 2,019     $ 1,982    
$
2,347
  
Data processing
      1,184       1,153      
1,269
  
Marketing and public relations
      848       700      
638
  
Taxes - sales, capital, and franchise
      717       605      
584
  
Operating supplies
      414       410      
487
  
Travel and lodging
      818       566      
563
  
Telephone      172       242       206  
Amortization of core deposits      320       320       320  
Donations      332       150       294  
Net costs from other real estate and repossessions
      493       1,374      
941
  
Regulatory assessment
      1,111       1,181      
1,784
  
Other
      3,326       3,143      
3,237
  
Total other expense
   $ 11,754     $ 11,826    
$
12,670
  
 
-60-
Income Taxes.
 
The amount of income expense is influenced by the amount of pre-tax income, the amount of tax-exempt income and the amount of other non-deductible expenses. The provision for income taxes for the years ended December 31, 2015, 2014 and 2013 was $7.0 million, $5.5 million and $4.6 million, respectively. The provision for income taxes increased in 2015 as compared to 2014 due to the increase in income before taxes. Our statutory tax rate was 35.0% for 2015, 2014 and 2013.
Impact of Inflation
 
Our consolidated financial statements and related notes included elsewhere in this Annual Report on Form 10-K have been prepared in accordance with GAAP. These require the measurement of financial position and operating results in terms of historical dollars, without considering changes in the relative value of money over time due to inflation or recession.
 
Unlike many industrial companies, substantially all of our assets and liabilities are monetary in nature. As a result, interest rates have a more significant impact on our performance than the effects of general levels of inflation. Interest rates may not necessarily move in the same direction or in the same magnitude as the prices of goods and services. However, other operating expenses do reflect general levels of inflation.

 
-61-
 
Liquidity and Capital Resources
 
Liquidity
 
Liquidity refers to the ability or flexibility to manage future cash flows to meet the needs of depositors and borrowers and fund operations. Maintaining appropriate levels of liquidity allows us to have sufficient funds available to meet customer demand for loans, withdrawal of deposit balances and maturities of deposits and other liabilities. Liquid assets include cash and due from banks, interest-earning demand deposits with banks, federal funds sold and available for sale investment securities.
 
Loans maturing within one year or less at December 31, 2015 totaled $135.1 million. At December 31, 2015, time deposits maturing within one year or less totaled $401.5 million. Our held-to-maturity investment securities portfolio at December 31, 2015 was $169.8 million or 31.1% of the investment portfolio compared to $141.8 million or 22.1% at December 31, 2014. The securities in the held-to-maturity portfolio are used to collateralize public funds deposits and may also be used to secure borrowings with the FHLB or Federal Reserve Bank. The agency securities in the held-to-maturity portfolio have maturities of 10 years or less. The mortgage backed securities have stated final maturities of 15 to 20 years at December 31, 2015. The held-to-maturity portfolio had a forecasted weighted average life of approximately 5.6 years based on current interest rates at December 31, 2015. Management regularly monitors the size and composition of the held-to-maturity portfolio to evaluate its effect on our liquidity. Our available for sale portfolio was $376.4 million, or 68.9% of the investment portfolio at December 31, 2015 compared to $499.8 million, or 77.9% at December 31, 2014. The majority of the available for sale portfolio was comprised of U.S. Treasuries, U.S. Government Agencies, mortgage backed securities, municipal bonds and investment grade corporate bonds. We believe these securities are readily marketable and enhance our liquidity.
 
We maintained a net borrowing capacity at the FHLB totaling $116.7 million and $156.4 million at December 31, 2015 and December 31, 2014, respectively with no borrowings outstanding at either date. At December 31, 2015, we have outstanding letters of credit from the FHLB in the amount of $195.0 million that were used to collateralize public funds deposits. We also have a discount window line with the Federal Reserve Bank of $18.2 million, with no outstanding balance at December 31, 2015. We also maintain federal funds lines of credit at various correspondent banks with borrowing capacity of $70.5 million at December 31, 2015. We have a revolving line of credit for $2.5 million, with an outstanding balance of $1.8 million at December 31, 2015 secured by a pledge of the Bank's common stock. Management believes there is sufficient liquidity to satisfy current operating needs.
 
Capital Resources

Our capital position is reflected in total shareholders’ equity, subject to certain adjustments for regulatory purposes. Further, our capital base allows us to take advantage of business opportunities while maintaining the level of resources we deem appropriate to address business risks inherent in daily operations.
 
Total shareholders’ equity decreased to $118.2 million at December 31, 2015 from $139.6 million at December 31, 2014. The decrease in total shareholders’ equity was principally the result of the redemption of the Series C Preferred Stock for $39.4 million in December 2015 from the U.S. Treasury in order to exit the SBLF program. The decrease was partially offset by the net proceeds of $9.3 million from the issuance of common stock in a public offering which closed in the fourth quarter of 2015. Total shareholders' equity also increased due to net income of $14.5 million during the year ended December 31, 2015, partially offset by $4.2 million in cash dividends paid on our common stock and $0.4 million in dividends paid on our preferred stock. The change in the balance of the accumulated other comprehensive income from a $0.2 million gain at December 31, 2014 to a $0.9 million loss at December 31, 2015 also reduced shareholders' equity. The reduction was due to a $1.6 million reduction in the gross unrealized mark to market gains on available for sale securities (before taxes).
-62-
Capital Management
 
We manage our capital to comply with our internal planning targets and regulatory capital standards administered by the Federal Reserve and the FDIC. We review capital levels on a monthly basis. We evaluate a number of capital ratios, including Tier 1 capital to total adjusted assets (the leverage ratio) and Tier 1 capital to risk-weighted assets. At December 31, 2015, First Guaranty Bancshares and First Guaranty Bank were classified as well-capitalized.
 
The following table presents our capital ratios as of the indicated dates.
  "Well Capitalized Minimums"    
At December 31, 2015
     "Well Capitalized Minimums"    
At December 31, 2014
  
               
Tier 1 Leverage Ratio:
                
Consolidated
     N/A
 
     8.17 %     5.00 %    
9.33
 %
Bank
     5.00
%
     9.74 %      5.00 %     
9.26
 %
                                 
Tier 1 Risk-based Capital Ratio:
                                
Consolidated
     N/A
 
     10.85 %      6.00 %     
13.16
 %
Bank
     8.00
%
     12.98 %      6.00 %     
13.08
 %
                                 
Total Risk-based Capital Ratio:
                                
Consolidated
     N/A
 
     13.13 %      10.00 %     
14.05
 %
Bank
     10.00
%
     13.86 %      10.00 %     
13.96
 %
                                 
Common Equity Tier One Capital:                                
 Consolidated     N/A       10.85 %     N/A       N/A
 Bank     6.50 %      12.98 %      N/A       N/A
 
 
-63-
Off-balance sheet commitments
 
We are a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers and to reduce its own exposure to fluctuations in interest rates. These financial instruments include commitments to extend credit and standby and commercial letters of credit. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in our consolidated balance sheets. The contract or notional amounts of those instruments reflect the extent of the involvement in particular classes of financial instruments.
 
The exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby and commercial letters of credit is represented by the contractual notional amount of those instruments. The same credit policies are used in making commitments and conditional obligations as it does for on-balance sheet instruments. Unless otherwise noted, collateral or other security is not required to support financial instruments with credit risk.
 
The notional amounts of the financial instruments with off-balance sheet risk at December 31, 2015, 2014 and 2013 are as follows:
 
Contract Amount
(in thousands)
   December 31, 2015     December 31, 2014     December 31, 2013  
Commitments to Extend Credit   $ 88,081     $ 59,675     $ 30,516  
Unfunded Commitments under lines of credit    $ 107,581     $ 111,247     $ 115,311  
Commercial and Standby letters of credit   $ 7,486     $ 7,743     $ 7,695  
 
Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Each customer’s creditworthiness is evaluated on a case-by-case basis. The amount of collateral obtained, if deemed necessary upon extension of credit, is based on our credit evaluation of the counterpart. Collateral requirements vary but may include accounts receivable, inventory, property, plant and equipment, residential real estate and commercial properties.
 
Unfunded commitments under lines of credit are contractually obligated by us as long as the borrower is in compliance with the terms of the loan relationship. Unfunded lines of credit are typically operating lines of credit that adjust on a regular basis as a customer requires funding. There may be seasonal variations to the usage of these lines. At December 31, 2015, the largest concentration of unfunded commitments were lines of credit associated with commercial and industrial loans.
 
Commercial and standby letters of credit are conditional commitments to guarantee the performance of a customer to a third party. These guarantees are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing and similar transactions. The majority of these guarantees are short-term (one year or less); however, some guarantees extend for up to three years. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. Collateral requirements are the same as on-balance sheet instruments and commitments to extend credit.
 
There were no losses incurred on any commitments during the years ended December 31, 2015, 2014 and 2013.
 
Contractual Obligations
    
The following table summarizes our fixed and determinable contractual obligations and other funding needs by payment date at December 31, 2015. The payment amounts represent those amounts due to the recipient and do not include any unamortized premiums or discounts or other similar carrying amount adjustments.
 
Payments Due by Period: December 31, 2015  
(in thousands)
Less Than One Year
  
One to Three Years
  
Over Three Years
  
Total
  
Operating leases
$
32
  
$
 61  
$
57
  
$
150
  
Software contracts
  
1,105
    
1,696
    
608
     3,409  
Time deposits
  
401,535
    
137,037
    
53,438
    
592,010
  
Short-term borrowings
   1,800    
-
    
-
    
1,800
  
Senior long-term debt
   3,100     7,755     15,000      25,855  
Junior subordinated debentures
  
-
    
-
    
15,000
    
15,000
  
Total contractual obligations
$
407,572
  
$
146,549
  
$
84,103
  
$
638,224
  
 
 
-64-
Item 7A – Quantitative and Qualitative Disclosures about Market Risk
 
Asset/Liability Management and Market Risk
Asset/Liability Management.

Our asset/liability management process consists of quantifying, analyzing and controlling interest rate risk to maintain reasonably stable net interest income levels under various interest rate environments. The principal objective of asset/liability management is to maximize net interest income while operating within acceptable limits established for interest rate risk and to maintain adequate levels of liquidity.
 
The majority of our assets and liabilities are monetary in nature. Consequently, one of our most significant forms of market risk is interest rate risk, which is inherent in our lending and deposit-taking activities. Our assets, consisting primarily of loans secured by real estate and fixed rate securities in our investment portfolio, have longer maturities than our liabilities, consisting primarily of deposits. As a result, a principal part of our business strategy is to manage interest rate risk and reduce the exposure of our net interest income to changes in market interest rates. The board of directors of First Guaranty Bank has established two committees, the management asset liability committee and the board investment committee, to oversee the interest rate risk inherent in our assets and liabilities, for determining the level of risk that is appropriate given our business strategy, operating environment, capital, liquidity and performance objectives, and for managing this risk consistent with the guidelines approved by the board of directors. The management asset liability committee is comprised of senior officers of the Bank and meets as needed to review our asset liability policies and interest rate risk position. The board ALCO investment committee is comprised of certain members of the board of directors of the Bank and meets monthly. The management asset liability committee provides a monthly report to the board ALCO investment committee.
 
The need for interest sensitivity gap management is most critical in times of rapid changes in overall interest rates. We generally seek to limit our exposure to interest rate fluctuations by maintaining a relatively balanced mix of rate sensitive assets and liabilities on a one-year time horizon and greater than one-year time horizon. Because of the significant impact on net interest margin from mismatches in repricing opportunities, we monitor the asset-liability mix periodically depending upon the management asset liability committee’s assessment of current business conditions and the interest rate outlook. We maintain exposure to interest rate fluctuations within prudent levels using varying investment strategies. These strategies include, but are not limited to, frequent internal modeling of asset and liability values and behavior due to changes in interest rates. We monitor cash flow forecasts closely and evaluate the impact of both prepayments and extension risk.
 
The following interest sensitivity analysis is one measurement of interest rate risk. This analysis, which we prepare monthly, reflects the contractual maturity characteristics of assets and liabilities over various time periods. This analysis does not factor in prepayments or interest rate floors on loans which may significantly change the report. This table includes nonaccrual loans in their respective maturity periods. The gap indicates whether more assets or liabilities are subject to repricing over a given time period. The interest sensitivity analysis at December 31, 2015 illustrated below reflects a liability-sensitive position with a negative cumulative gap on a one-year basis.

 
December 31, 2015
  
 
Interest Sensitivity Within
  
(dollars in thousands)
3 Months Or Less
  
Over 3 Months thru 12 Months
  
Total One Year
  
Over One Year
   Total  
Earning Assets:
                    
Loans (including loans held for sale) $
358,994
  
$
58,193
  
$
417,187
  
$
424,396
  
$
 841,583  
Securities (including FHLB stock)
  
33,694
    
6,146
    
39,840
    
507,216
    
547,056
  
Federal Funds Sold
  
582
    
-
    
582
    
-
    
582
  
Other earning assets
  
38,467
    
-
    
38,467
    
-
     38,467  
Total earning assets
$
431,737
  
$
64,339
  
$
496,076
  
$
931,612
  
$
1,427,688
  
                               
Source of Funds:
                              
Interest-bearing accounts:
                              
Demand deposits
$
409,209
  
$
-
  
$
409,209
  
$
-
  
$
409,209
  
Savings deposits
  
81,448
    
-
    
81,448
    
-
    
81,448
  
Time deposits
  
143,708
    
257,827
    
401,535
    
190,475
    
592,010
  
Short-term borrowings
  
-
    
1,800
    
1,800
    
-
    
1,800
  
Senior long-term debt
  
25,824
    
-
    
25,824
    
-
    
25,824
  
Junior subordinated debt    -      -      -      14,597      14,597  
Noninterest-bearing, net
  
-
    
-
    
-
    
302,800
    
302,800
  
Total source of funds
$
660,189
  
$
259,627
  
$
919,816
  
$
507,872
  
$
1,427,688
  
                               
Period gap
$
(228,452
)
$
(195,288
)
$
(423,740
)
$
423,740
        
Cumulative gap
$
 (228,452
)
$
(423,740
)
$
(423,740
)
$
-
        
                               
Cumulative gap as a percent of earning assets
  
-16.0
%
  
-29.7
%
  
-29.7
%
            
 
-65-
Net Interest Income at Risk.
 
Net interest income at risk measures the risk of a decline in earnings due to changes in interest rates. The first table below presents an analysis of our interest rate risk as measured by the estimated changes in net interest income resulting from an instantaneous and sustained parallel shift in the yield curve over a 12-month horizon at December 31, 2015. The second table below presents an analysis of our interest rate risk as measured by the estimated changes in net interest income resulting from a gradual shift in the yield curve over a 12-month period. Shifts are measured in 100 basis point increments (+400 through -100 basis points) from base case. We do not present shifts less than 100 basis points because of the current low interest rate environment. The base case scenario encompasses key assumptions for asset/liability mix, loan and deposit growth, pricing, prepayment speeds, deposit decay rates, securities portfolio cash flows and reinvestment strategy and the market value of certain assets under the various interest rate scenarios. The base case scenario assumes that the current interest rate environment is held constant throughout the forecast period for a static balance sheet and the instantaneous and gradual shocks are performed against that yield curve.

December 31, 2015
Instantaneous Changes in Interest Rates (basis points)  
Percent Change in Net Interest Income
+400   (18.38 %)
+300   (10.29 %)
+200   (5.69 %)
+100   (2.29 %)
Base   - %
-100   (2.83 %)
 
 
Gradual Changes in Interest Rates (basis points)  
Percent Change in Net Interest Income
+400   (5.35 %)
+300   (3.28 %)
+200   (1.76 %)
+100   (0.71 %)
Base   - %
-100  
(0.04
 %)

These scenarios above are both instantaneous and gradual shocks that assume balance sheet management will mirror the base case. Even if interest rates change in the designated amounts, there can be no assurance that our assets and liabilities would perform as anticipated. Additionally, a change in the U.S. Treasury rates in the designated amounts accompanied by a change in the shape of the U.S. Treasury yield curve would cause significantly different changes to net interest income than indicated above. Strategic management of our balance sheet would be adjusted to accommodate these movements. As with any method of measuring interest rate risk, certain shortcomings are inherent in the methods of analysis presented above. For example, although certain assets and liabilities may have similar maturities or periods to repricing, they may react in different degrees to changes in market interest rates. Also, the interest rates on certain types of assets and liabilities may fluctuate in advance of changes in market interest rates, while interest rates on other types may lag behind changes in market rates. Also, the ability of many borrowers to service their debt may decrease in the event of an interest rate increase. We consider all of these factors in monitoring exposure to interest rate risk.
 
We are pursuing a strategy that began in 2012 to reduce long-term interest rate risk. The contractual maturity of the investment portfolio was shortened and mortgage backed securities were purchased to enhance cash flow. We were able to grow our loan portfolio while reducing the size of the investment portfolio. New loans originated generally were either floating rate or were fixed rate with maturities that did not exceed five years. Securities as a percentage of average interest-earning assets decreased from 45.4% in 2014 to 37.5% in 2015. Deposit maturities were extended and generally priced lower. We believe that the addition of short-term securities and deploying our capital to grow our loan portfolio will help to lower interest rate risk.
-66-
Item 8 - Financial Statements and Supplementary Data
 
Report of Castaing, Hussey & Lolan, LLC
Independent Registered Accounting Firm
 
To the Shareholders and Board of Directors
First Guaranty Bancshares, Inc.
 
   
We have audited the accompanying consolidated balance sheets of First Guaranty Bancshares, Inc. as of December 31, 2015 and 2014, and the related consolidated statements of income, comprehensive income, changes in shareholders’ equity and cash flows for each of the years in the three-year period ended December 31, 2015. First Guaranty's management is responsible for these financial statements. Our responsibility is to express an opinion on these financial statements based on our audits.
 
We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by Management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.
 
In our opinion, the financial statements referred to above present fairly, in all material respects, the consolidated financial position of First Guaranty Bancshares, Inc. as of December 31, 2015 and 2014, and the consolidated results of its operations and its cash flows for each of the years in the three-year period ended December 31, 2015 in conformity with accounting principles generally accepted in the United States of America.
 
We also audited, in accordance with the standards of the American Institute of Certified Public Accountants, First Guaranty Bancshares, Inc.'s internal control over financial reporting as of December 31, 2015, based on criteria established in Internal Control-Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO) and our report dated March 28, 2016 expressed an unqualified opinion thereon.
 
 
/s/ Castaing, Hussey & Lolan, LLC
 
Castaing, Hussey & Lolan, LLC
New Iberia, Louisiana
March 28, 2016
 
 
-67-
 
CONSOLIDATED BALANCE SHEETS
   
(in thousands, except share data) December 31, 2015  
December 31, 2014
  
Assets
            
Cash and cash equivalents:
            
Cash and due from banks
 $ 36,690  
$
44,365
  
Federal funds sold
    582    
210
  
Cash and cash equivalents
   37,272    
44,575
  
             
Interest-earning time deposits with banks    997     10,247  
             
Investment securities:
            
Available for sale, at fair value
    376,369    
499,808
  
Held to maturity, at cost (estimated fair value of $168,148 and $139,688, respectively)
    169,752    
141,795
  
Investment securities
    546,121    
641,603
  
             
Federal Home Loan Bank stock, at cost
    935    
1,621
  
             
Loans, net of unearned income
    841,583    
790,321
  
Less: allowance for loan losses
   9,415    
9,105
  
Net loans
    832,168    
781,216
  
             
Premises and equipment, net
    22,019    
19,211
  
Goodwill
    1,999    
1,999
  
Intangible assets, net
    1,394    
1,733
  
Other real estate, net
    1,577    
2,198
  
Accrued interest receivable
    6,015    
6,384
  
Other assets
    9,256    
8,089
  
Total Assets
 $  1,459,753  
$
1,518,876
  
             
Liabilities and Shareholders' Equity
            
Deposits:
            
Noninterest-bearing demand
 $ 213,203  
$
207,969
  
Interest-bearing demand
    409,209    
432,294
  
Savings
    81,448    
74,550
  
Time
    592,010    
657,026
  
Total deposits
    1,295,870    
1,371,839
  
             
Short-term borrowings
    1,800    
1,800
  
Accrued interest payable
    1,707    
1,997
  
Senior long-term debt    25,824     1,455  
Junior subordinated debentures    14,597     -  
Other liabilities
    1,731    
2,202
  
Total Liabilities
    1,341,529    
1,379,293
  
             
Shareholders' Equity
            
Preferred stock:
            
Series C - $1,000 par value - authorized 39,435 shares; issued and outstanding 0 and 39,435    -     39,435  
Common stock:1
            
$1 par value - authorized 100,600,000 shares; issued 7,609,194 and 6,923,206 shares
    7,609    
6,923
  
Surplus
   61,584    
51,646
  
Treasury stock, at cost, 0 and 3,184 shares    -     (54 )
Retained earnings
   49,932    
41,392
  
Accumulated other comprehensive income (loss)
    (901 )   
241
 
Total Shareholders' Equity
    118,224    
139,583
  
Total Liabilities and Shareholders' Equity
 $  1,459,753  
$
1,518,876
  
See Notes to Consolidated Financial Statements.
1 2014 and 2015 share amounts reflect the ten percent stock dividend paid December 17, 2015 to shareholders of record as of December 10, 2015.
 
-68-
FIRST GUARANTY BANCSHARES, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF INCOME
 
  Years Ended December 31,  
(in thousands, except share data) 2015   2014  
2013
  
Interest Income:
                  
Loans (including fees)
 $ 42,536  
$
 39,787   $
37,289
  
Deposits with other banks
   72     115    
157
  
Securities (including FHLB stock)
   13,471     13,395    
13,439
  
Federal funds sold
    -     -    
1
  
Total Interest Income
   56,079     53,297    
50,886
  
                   
Interest Expense:
                  
Demand deposits
    1,419     1,312    
1,262
  
Savings deposits
   38     33    
41
  
Time deposits
   6,985     7,716    
9,682
  
Borrowings
   166     141    
149
  
Total Interest Expense
   8,608     9,202    
11,134
  
                   
Net Interest Income
   47,471     44,095    
39,752
  
Less: Provision for loan losses
   3,864     1,962    
2,520
  
Net Interest Income after Provision for Loan Losses
    43,607     42,133    
37,232
  
                   
Noninterest Income:
                  
Service charges, commissions and fees
   2,736     2,767    
3,006
  
ATM and debit card fees    1,779     1,671     1,634  
Net gains on securities
   3,300     295    
1,571
  
Net gain (loss) on sale of loans
   4   (12 )  
(70
 ) 
Other
   1,137     1,456    
1,337
  
Total Noninterest Income
   8,956     6,177    
7,478
  
                   
Noninterest Expense:
                  
Salaries and employee benefits
    15,496     15,840    
14,368
  
Occupancy and equipment expense
    3,845     3,928    
3,949
  
Other
    11,754     11,826    
12,670
  
Total Noninterest Expense
   31,095     31,594    
30,987
  
                   
Income Before Income Taxes
   21,468     16,716    
13,723
  
Less: Provision for income taxes
   6,963     5,492    
4,577
  
Net Income
 $ 14,505   $ 11,224   $
9,146
  
Preferred stock dividends
    (384 )    (394 )  
(713
 )
Income Available to Common Shareholders
 $ 14,121  
$
 10,830   $
8,433
  
                   
Per Common Share:1
                  
Earnings
 $ 2.01  
$
 1.57   $
1.22
  
Cash dividends paid
 $  0.60  
$
 0.58   $
0.58
  
                   
Weighted Average Common Shares Outstanding
    7,013,869     6,920,022    
6,920,022
  
See Notes to Consolidated Financial Statements
1 All share and per share amounts reflect the ten percent stock dividend paid December 17, 2015 to shareholders of record as of December 10, 2015.
 
 
-69-
FIRST GUARANTY BANCSHARES, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)
 
  Years Ended December 31,  
(in thousands) 2015   2014   2013  
Net Income $ 14,505   $ 11,224   $ 9,146  
Other comprehensive income (loss):                  
Unrealized gains (losses) on securities:                  
 Unrealized holding gains (losses) arising during the period   1,394   14,499     (21,432 ) 
 Reclassification adjustments for net gains included in net income   (3,300 )    (295 )    (1,571 )
 Reclassification of OTTI losses included in net income   175   -   -  
Change in unrealized gains (losses) on securities   (1,731 )    14,204     (23,003 ) 
Tax impact   589   (4,829 )    7,821
Other comprehensive income (loss)   (1,142 )    9,375     (15,182 ) 
Comprehensive Income (Loss) $ 13,363   $ 20,599   $ (6,036 ) 
See Notes to Consolidated Financial Statements
 
 
-70-
FIRST GUARANTY BANCSHARES, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY
 
  Series C                   Accumulated      
  Preferred   Common               Other      
  Stock   Stock       Treasury   Retained   Comprehensive      
(in thousands, except share data) $1,000 Par   $1 Par   Surplus   Stock   Earnings   Income/(Loss)   Total  
Balance December 31, 2012
 $ 39,435   $
6,923
 
 $
51,646
 
 $ (54 )  $
30,183
 
 $
6,048
 
 $
134,181
  
Net income
   -    
-
    
-
     -    
9,146
    
-
    
9,146
  
Other comprehensive income
   -    
-
    
-
     -    
-
    
(15,182
 )   
(15,182
 ) 
Cash dividends on common stock ($0.58 per share)   -     -     -     -     (4,027 )    -     (4,027 ) 
Preferred stock dividends
   -    
-
    
-
     -    
(713
)
  
-
    
(713
)
Balance December 31, 2013
 $ 39,435   $
6,923
 
 $
51,646
 
 $ (54 )  $
34,589
 
 $
(9,134
)
  $
123,405
  
Net income   -     -     -     -     11,224     -     11,224  
Other comprehensive income
   -    
-
    
-
     -    
-
    
9,375
 
  
9,375
 
Cash dividends on common stock ($0.58 per share)   -     -     -     -     (4,027 )    -     (4,027 )
Preferred stock dividends
   -    
-
    
-
     -    
(394
)
  
-
    
(394
)
Balance December 31, 2014
  $ 39,435    $ 6,923   $ 51,646   $ (54 ) $ 41,392   $ 241   $ 139,583  
Net income
    -      -      -     -     14,505      -     14,505  
Reclassification of treasury stock under the LCBA (1)   -     (3 )    -     54     (51 )    -     -  
Other comprehensive income    -      -      -      -      -      (1,142 )     (1,142 ) 
Preferred stock redeemed, Series C   (39,435 )    -     -     -     -     -     (39,435 ) 
Common stock issued in initial public offering, 689,172 shares(2)   -     689     9,938     -     (1,283 )    -     9,344  
Cash dividends on common stock ($0.60 per share)
    -      -      -      -      (4,247 )     -      (4,247 ) 
Preferred stock dividends    -      -      -      -      (384 )     -      (384 ) 
Balance December 31, 2015 $ -    $ 7,609   $ 61,584   $ -  $ 49,932   $ (901 )  $ 118,224  
See Notes to Consolidated Financial Statements
(1) Effective January 1, 2015, companies incorporated under Louisiana law became subject to the Louisiana Business Corporation Act (which replaces the Louisiana Business Corporation Law). Provisions of the Louisiana Business Corporation Act eliminate the concept of treasury stock and provide that shares reacquired by a company are to be treated as authorized but unissued shares. As a result of this change in law, shares previously classified as treasury stock were reclassified as a reduction to issued shares of common stock in the consolidated financial statements as of June 30, 2015, reducing the stated value of common stock and retained earnings.
(2) All share and per share amounts reflect the ten percent stock dividend paid December 17, 2015 to shareholders of record as of December 10, 2015.
 
 
-71-
 
FIRST GUARANTY BANCSHARES, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF CASH FLOWS
 
  Years Ended December 31,  
(in thousands) 2015  
2014
  
2013
  
Cash Flows From Operating Activities:
              
Net income
 $ 14,505  
$
11,224
  
$
9,146
  
Adjustments to reconcile net income to net cash provided by operating activities:
                  
Provision for loan losses
   3,864    
1,962
    
2,520
  
Depreciation and amortization
   1,995    
2,143
    
2,111
  
Amortization/Accretion of investments
   2,036    
2,164
    
2,141
  
Gain on sale/call of securities
   (3,300 )  
(295
 )  
(1,571
 )
Other than temporary impairment charge on securities   175     -     -  
Loss (gain) on sale of assets
   (6 )  
(17
 )   
61
  
ORE and repossessed property writedowns and loss on disposition
   411    
665
    
335
  
FHLB stock dividends
   (4 )  
(4
 )  
(4
 )
Net decrease in loans held for sale   -     88     469
Change in other assets and liabilities, net
   (2,461 )  
(1,140
 )   
1,958
  
Net cash provided by operating activities
   17,215    
16,790
    
17,166
  
                   
Cash Flows From Investing Activities:
                  
Funds invested in certificates of deposit   -     (10,000 )    -  
Proceeds from maturities and calls of certificates of deposit    9,250     500     -  
Proceeds from maturities and calls of HTM securities
   72,036    
8,279
    
16,184
  
Proceeds from maturities, calls and sales of AFS securities
   723,249    
535,167
    
626,433
  
Funds invested in HTM securities
   (48,318 )   
-
  
(107,616
 )
Funds Invested in AFS securities
   (650,698 )   
(538,209
)
  
(533,320
 )
Proceeds from sale/redemption of Federal Home Loan Bank stock   3,554     4,169     3,268  
Funds invested in Federal Home Loan Bank stock   (2,864 )   (3,950 )   (3,825 )
Net increase in loans
   (56,000 )    (92,697 )  
(78,777
 )
Purchases of premises and equipment
   (4,400 )  
(1,668
)
  
(1,757
 )
Proceeds from sales of premises and equipment   4     375     -  
Proceeds from sales of other real estate owned
   1,394    
3,049
    
1,306
  
Net cash provided by (used in) investing activities
   47,207  
(94,985
 )  
(78,104
 )
                   
Cash Flows From Financing Activities:
                  
Net (decrease) increase in deposits
   (75,969 )   
68,740
    
50,487
  
Net decrease in federal funds purchased and short-term borrowings
   -  
(3,988
 )   (8,958 )
Proceeds from long-term borrowings, net of costs   24,969     1,555     -  
Repayment of long-term borrowings
   (600 )   
(600
 )   
(600
 )
Proceeds from junior subordinated debentures, net of costs   14,597     -     -  
Issuance of common stock, net of costs   9,344   -     -
Redemption of preferred stock   (39,435 )    -     -  
Dividends paid
   (4,631 )  
(4,421
)
  
(4,740
 )
Net cash (used in) provided by financing activities
   (71,725 )   
61,286
    
36,189
  
                   
Net decrease in cash and cash equivalents
   (7,303 )  
(16,909
 )  
(24,749
 ) 
Cash and cash equivalents at the beginning of the period
   44,575    
61,484
    
86,233
  
Cash and cash equivalents at the end of the period
 $ 37,272  
$
44,575
  
$
61,484
  
                   
Noncash activities:
                  
Loans transferred to foreclosed assets
 $ 1,184  
$
2,330
  
$
2,604
  
                   
Cash paid during the period:
                  
Interest on deposits and borrowed funds
 $ 8,898  
$
9,569
  
$
11,610
  
Income taxes
 $  8,400  
$
4,500
  
$
2,850
  
 
See Notes to Consolidated Financial Statements.
 
 
Note 1.  Business and Summary of Significant Accounting Policies
 
Business
 
First Guaranty Bancshares, Inc. ("First Guaranty" or the “Company”) is a Louisiana corporation headquartered in Hammond, LA. First Guaranty owns all of the outstanding shares of common stock of First Guaranty Bank. First Guaranty Bank (the “Bank”) is a Louisiana state-chartered commercial bank that provides a diversified range of financial services to consumers and businesses in the communities in which it operates. These services include consumer and commercial lending, mortgage loan origination, the issuance of credit cards and retail banking services. The Bank also maintains an investment portfolio comprised of government, government agency, corporate, and municipal securities. The Bank has twenty-one banking offices, including one drive-up banking facility, and twenty-seven automated teller machines (ATMs) in Southeast, Southwest and North Louisiana.
 
Summary of significant accounting policies
    
The accounting and reporting policies of First Guaranty conform to generally accepted accounting principles and to predominant accounting practices within the banking industry. The more significant accounting and reporting policies are as follows:
 
Consolidation
 
The consolidated financial statements include the accounts of First Guaranty Bancshares, Inc., and its wholly owned subsidiary, First Guaranty Bank. All significant intercompany balances and transactions have been eliminated in consolidation.
 
Acquisition Accounting
 
Acquisitions are accounted for under the purchase method of accounting. Purchased assets, including identifiable intangibles, and assumed liabilities are recorded at their respective acquisition date fair values. If the fair value of net assets purchased exceeds the consideration given, a gain on acquisition is recognized. If the consideration given exceeds the fair value of the net assets received, goodwill is recognized. Fair values are subject to refinement for up to one year after the closing date of an acquisition as information relative to closing date fair values becomes available. Purchased loans acquired in a business combination are recorded at estimated fair value on their purchase date with no carryover of the related allowance for loan losses. See Acquired Loans section below for accounting policy regarding loans acquired in a business combination.
 
Use of estimates
    
The preparation of financial statements in conformity with generally accepted accounting principles requires Management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the dates of the financial statements and the reported amounts of revenue and expense during the reporting periods. Actual results could differ from those estimates.  Material estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for loan losses, the valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, and the valuation of investment securities. In connection with the determination of the allowance for loan losses and real estate owned, First Guaranty obtains independent appraisals for significant properties.
 
Cash and cash equivalents
    
For purposes of reporting cash flows, cash and cash equivalents are defined as cash, due from banks, interest-bearing demand deposits with banks and federal funds sold with maturities of three months or less.
Securities
 
First Guaranty reviews its financial position, liquidity and future plans in evaluating the criteria for classifying investment securities. Debt securities that Management has the ability and intent to hold to maturity are classified as held to maturity and carried at cost, adjusted for amortization of premiums and accretion of discounts using methods approximating the interest method. Securities available for sale are stated at fair value. The unrealized difference, if any, between amortized cost and fair value of these AFS securities is excluded from income and is reported, net of deferred taxes, in accumulated other comprehensive income as a part of shareholders’ equity. Details of other comprehensive income are reported in the consolidated statements of comprehensive income. Realized gains and losses on securities are computed based on the specific identification method and are reported as a separate component of other income. Amortization of premiums and discounts is included in interest income. Discounts and premiums related to debt securities are amortized using the effective interest rate method.
 
Management evaluates securities for other-than-temporary impairment ("OTTI") at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. In estimating other-than-temporary losses, management considers the length of time and extent that fair value has been less than cost and the financial condition and near term prospects of the issuer.  Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings.  For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in other comprehensive income.  The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings.  
-73-
Loans held for sale
 
Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated fair value in the aggregate. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. Loans held for sale have primarily been fixed rate single-family residential mortgage loans under contract to be sold in the secondary market. In most cases, loans in this category are sold within thirty days. Buyers generally have recourse to return a purchased loan under limited circumstances. Recourse conditions may include early payment default, breach of representations or warranties and documentation deficiencies.  Mortgage loans held for sale are generally sold with the mortgage servicing rights released. Gains or losses on sales of mortgage loans are recognized based on the differences between the selling price and the carrying value of the related mortgage loans sold.
 
Loans
 
Loans are stated at the principal amounts outstanding, net of unearned income and deferred loan fees. In addition to loans issued in the normal course of business, overdrafts on customer deposit accounts are considered to be loans and reclassified as such. Interest income on all classifications of loans is calculated using the simple interest method on daily balances of the principal amount outstanding.
 
Accrual of interest is discontinued on a loan when Management believes, after considering economic and business conditions and collection efforts, the borrower’s financial condition is such that reasonable doubt exists as to the full and timely collection of principal and interest. This evaluation is made for all loans that are 90 days or more contractually past due. When a loan is placed in nonaccrual status, all interest previously accrued but not collected is reversed against current period interest income. Income on such loans is then recognized only to the extent that cash is received and where the future collection of interest and principal is probable. Loans are returned to accrual status when, in the judgment of Management, all principal and interest amounts contractually due are reasonably assured to be collected within a reasonable time frame and when the borrower has demonstrated payment performance of cash or cash equivalents; generally for a period of six months. All loans, except mortgage loans, are considered past due if they are past due 30 days. Mortgage loans are considered past due when two consecutive payments have been missed. Loans that are past due 90-120 days and deemed uncollectible are charged-off. The loan charge off is a reduction of the allowance for loan losses.
 
Troubled Debt Restructurings (TDRs)
 
TDRs are loans in which the borrower is experiencing financial difficulty at the time of restructuring, and the Bank has granted a concession to the borrower.  TDRs are undertaken in order to improve the likelihood of recovery on the loan and may take the form of modifications made with the stated interest rate lower than the current market rate for new debt with similar risk, other modifications to the structure of the loan that fall outside of normal underwriting policies and procedures, or in limited circumstances forgiveness of principal and / or interest.  TDRs can involve loans remaining on non-accrual, moving to non-accrual, or continuing on accrual status, depending on the individual facts and circumstances of the borrower.  TDRs are subject to policies governing accrual and non-accrual evaluation consistent with all other loans as discussed in the “Loans” section above.  All loans with the TDR designation are considered to be impaired, even if they are accruing. 
 
First Guaranty's policy is to evaluate TDRs that have subsequently been restructured and returned to market terms after 12 months of performance. The evaluation includes a review of the loan file and analysis of the credit to assess the loan terms, including interest rate to insure such terms are consistent with market terms.  The loan terms are compared to a sampling of loans with similar terms and risk characteristics, including loans originated by First Guaranty and loans lost to a competitor.  The sample provides a guide to determine market terms pursuant to ASC 310-40-50-2.  The loan is also evaluated at that time for impairment  A loan determined to be restructured to market terms and not considered impaired will no longer be disclosed as a TDR in the years following the restructuring.  These loans will continue to be individually evaluated for impairment.  A loan determined to either be restructured to below market terms or to be impaired will remain a TDR. 
 
Credit Quality
 
First Guaranty's credit quality indicators are pass, special mention, substandard, and doubtful.
 
Loans included in the pass category are performing loans with satisfactory debt coverage ratios, collateral, payment history, and documentation requirements.
 
Special mention loans have potential weaknesses that deserve close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects. Borrowers may be experiencing adverse operating trends (declining revenues or margins) or an ill proportioned balance sheet (e.g., increasing inventory without an increase in sales, high leverage, tight liquidity). Adverse economic or market conditions, such as interest rate increases or the entry of a new competitor, may also support a special mention rating. Nonfinancial reasons include management problems, pending litigation, an ineffective loan agreement or other material structural weakness, and any other significant deviation from prudent lending practices.
 
A substandard loan is inadequately protected by the paying capacity of the obligor or of the collateral pledged, if any. Loans classified as substandard have a well-defined weakness. They are characterized by the distinct possibility that First Guaranty will sustain some loss if the deficiencies are not corrected. These loans require more intensive supervision. Substandard loans are generally characterized by current or expected unprofitable operations, inadequate debt service coverage, inadequate liquidity, or marginal capitalization. Repayment may depend on collateral or other credit risk mitigates. For some substandard loans, the likelihood of full collection of interest and principal may be in doubt and interest is no longer accrued. Consumer loans that are 90 days or more past due or that are nonaccrual are considered substandard.
 
Doubtful loans have the weaknesses of substandard loans with the additional characteristic that the weaknesses make collection or liquidation in full questionable and there is a high probability of loss based on currently existing facts, conditions and values.
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A loan is considered impaired when, based on current information and events, it is probable that First Guaranty will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by Management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent. This process is only applied to impaired loans or relationships in excess of $250,000. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, individual consumer and residential loans are not separately identified for impairment disclosures, unless such loans are the subject of a restructuring agreement. Loans that have been restructured in a troubled debt restructuring will continue to be evaluated individually for impairment, including those no longer requiring disclosure.
 
Acquired Loans
 
Loans are recorded at estimated fair value on their purchase date with no carryover of the related allowance for loan losses. Acquired loans are segregated between those with deteriorated credit quality at acquisition and those deemed as performing. To make this determination, Management considers such factors as past due status, nonaccrual status, credit risk ratings, interest rates and collateral position. The fair value of acquired loans deemed performing is determined by discounting cash flows, both principal and interest, for each pool at prevailing market interest rates as well as consideration of inherent potential losses. The difference between the fair value and principal balances due at acquisition date, the fair value discount, is accreted into income over the estimated life of each loan pool.
 
Loans acquired in a business combination are recorded at their estimated fair value on their purchase date with no carryover of the related allowance for loan losses. Performing acquired loans are subsequently evaluated for any required allowance at each reporting date. An allowance for loan losses is calculated using a similar methodology for originated loans.

Loan fees and costs
    
Nonrefundable loan origination and commitment fees and direct costs associated with originating loans are deferred and recognized over the lives of the related loans as an adjustment to the loans' yield using the level yield method.
 
Allowance for loan losses
 
The allowance for loan losses is established through a provision for loan losses charged to expense. Loans are charged against the allowance for loan losses when Management believes that the collectability of the principal is unlikely. The allowance, which is based on evaluation of the collectability of loans and prior loan loss experience, is an amount that, in the opinion of Management, reflects the risks inherent in the existing loan portfolio and exists at the reporting date. The evaluations take into consideration a number of subjective factors including changes in the nature and volume of the loan portfolio, historical losses, overall portfolio quality, review of specific problem loans, current economic conditions that may affect a borrower’s ability to pay, adequacy of loan collateral and other relevant factors. In addition, regulatory agencies, as an integral part of their examination process, periodically review the estimated losses on loans. Such agencies may require additional recognition of losses based on their judgments about information available to them at the time of their examination.
 
The following are general credit risk factors that affect First Guaranty's loan portfolio segments.  These factors do not encompass all risks associated with each loan category.  Construction and land development loans have risks associated with interim construction prior to permanent financing and repayment risks due to the future sale of developed property.  Farmland and agricultural loans have risks such as weather, government agricultural policies, fuel and fertilizer costs, and market price volatility.  1-4 family, multi-family, and consumer credits are strongly influenced by employment levels, consumer debt loads and the general economy.  Non-farm non-residential loans include both owner occupied real estate and non-owner occupied real estate.  Common risks associated with these properties is the ability to maintain tenant leases and keep lease income at a level able to service required debt and operating expenses.  Commercial and industrial loans generally have non-real estate secured collateral which requires closer monitoring than real estate collateral.
  
Although Management uses available information to recognize losses on loans, because of uncertainties associated with local economic conditions, collateral values and future cash flows on impaired loans, it is reasonably possible that a material change could occur in the allowance for loan losses in the near term. However, the amount of the change that is reasonably possible cannot be estimated.  The evaluation of the adequacy of loan collateral is often based upon estimates and appraisals. Because of changing economic conditions, the valuations determined from such estimates and appraisals may also change. Accordingly, First Guaranty may ultimately incur losses that vary from Management's current estimates. Adjustments to the allowance for loan losses will be reported in the period such adjustments become known or can be reasonably estimated. All loan losses are charged to the allowance for loan losses when the loss actually occurs or when the collectability of the principal is unlikely. Recoveries are credited to the allowance at the time of recovery.
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The allowance consists of specific, general, and unallocated components. The specific component relates to loans that are classified as doubtful, substandard, and impaired. For such loans that are also classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. Also, a specific reserve is allocated for syndicated loans. The general component covers non-classified loans and special mention loans and is based on historical loss experience adjusted for qualitative factors. An unallocated component is maintained to cover uncertainties that could affect the estimate of probable losses.
 
The allowance for loan losses is reviewed on a monthly basis. The monitoring of credit risk also extends to unfunded credit commitments, such as unused commercial credit lines and letters of credit. A reserve is established as needed for estimates of probable losses on such commitments.  
 
Goodwill and intangible assets

Goodwill and intangible assets deemed to have indefinite lives are subject to annual impairment tests. First Guaranty's goodwill is tested for impairment on an annual basis, or more often if events or circumstances indicate that there may be impairment. Adverse changes in the economic environment, declining operations, or other factors could result in a decline in the implied fair value of goodwill. If the implied fair value is less than the carrying amount, a loss would be recognized in other non-interest expense to reduce the carrying amount to implied fair value of goodwill. The goodwill impairment test includes two steps that are preceded by a, “step zero”, qualitative test. The qualitative test allows Management to assess whether qualitative factors indicate that it is more likely than not that impairment exists. If it is not more likely than not that impairment exists, then no impairment exists and the two step quantitative test would not be necessary. These qualitative indicators include factors such as earnings, share price, market conditions, etc. If the qualitative factors indicate that it is more likely than not that impairment exists, then the two step quantitative test would be necessary. Step one is used to identify potential impairment and compares the estimated fair value of a reporting unit with its carrying amount, including goodwill. If the estimated fair value of a reporting unit exceeds its carrying amount, goodwill of the reporting unit is not considered impaired. If the carrying amount of a reporting unit exceeds its estimated fair value, the second step of the goodwill impairment test is performed to measure the amount of impairment loss, if any. Step two of the goodwill impairment test compares the implied estimated fair value of reporting unit goodwill with the carrying amount of that goodwill. If the carrying amount of goodwill for that reporting unit exceeds the implied fair value of that unit’s goodwill, an impairment loss is recognized in an amount equal to that excess.
 
Identifiable intangible assets are acquired assets that lack physical substance but can be distinguished from goodwill because of contractual or legal rights or because the assets are capable of being sold or exchanged either on their own or in combination with the related contract, asset or liability. First Guaranty's intangible assets primarily relate to core deposits. These core deposit intangibles are amortized on a straight-line basis over terms ranging from seven to fifteen years. Management periodically evaluates whether events or circumstances have occurred that impair this deposit intangible.
 
Premises and equipment
    
Premises and equipment are stated at cost, less accumulated depreciation. Depreciation is computed for financial reporting purposes using the straight-line method over the estimated useful lives of the respective assets as follows:
 
Buildings and improvements 10-40 years
Equipment, fixtures and automobiles 3-10 years
 
Expenditures for renewals and betterments are capitalized and depreciated over their estimated useful lives. Repairs, maintenance and minor improvements are charged to operating expense as incurred. Gains or losses on disposition, if any, are recorded as a separate line item in noninterest income on the Statements of Income.
 
Other real estate
 
Other real estate includes properties acquired through foreclosure or acceptance of deeds in lieu of foreclosure. These properties are recorded at the lower of the recorded investment in the property or its fair value less the estimated cost of disposition. Any valuation adjustments required prior to foreclosure are charged to the allowance for loan losses. Subsequent to foreclosure, losses on the periodic revaluation of the property are charged to current period earnings as other real estate expense. Costs of operating and maintaining the properties are charged to other real estate expense as incurred. Any subsequent gains or losses on dispositions are credited or charged to income in the period of disposition.
 
Off-balance sheet financial instruments
    
In the ordinary course of business, First Guaranty has entered into commitments to extend credit, including commitments under credit card arrangements, commitments to fund commercial real estate, construction and land development loans secured by real estate, and performance standby letters of credit. Such financial instruments are recorded when they are funded.
 
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Income taxes
    
First Guaranty and its subsidiary file a consolidated federal income tax return on a calendar year basis. In lieu of Louisiana state income tax, the Bank is subject to the Louisiana bank shares tax, which is included in noninterest expense in First Guaranty's consolidated financial statements. With few exceptions, First Guaranty is no longer subject to U.S. federal, state or local income tax examinations for years before 2012. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the deferred tax assets or liabilities are expected to be settled or realized. Valuation allowances are established when necessary to reduce deferred tax assets to the amount expected to be utilized.
 
Comprehensive income
    
Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities, are reported as a separate component of the equity section of the balance sheet, such items along with net income, are components of comprehensive income. The components of other comprehensive income and related tax effects are presented in the Statements of Comprehensive Income.

Fair Value Measurements
 
The fair value of a financial instrument is the current amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. A fair value measurement assumes that the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability or, in the absence of a principal market, the most advantageous market for the asset or liability. Valuation techniques use certain inputs to arrive at fair value. Inputs to valuation techniques are the assumptions that market participants would use in pricing the asset or liability. They may be observable or unobservable. First Guaranty uses a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. See Note 21 for a detailed description of fair value measurements.
 
Transfers of Financial Assets
 
Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (i) the assets have been isolated from First Guaranty, (ii) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (iii) First Guaranty does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
 
Earnings per common share
Earnings per share represents income available to common shareholders divided by the weighted average number of common shares outstanding during the period. In December of 2015, First Guaranty issued a pro rata, 10% common stock dividend. The shares issued for the stock dividend have been retrospectively factored into the calculation of earnings per share as well as cash dividends paid on common stock and represented on the face of the financial statements. No convertible shares of First Guaranty's stock are outstanding.
 
Operating Segments
 
All of First Guaranty's operations are considered by management to be aggregated into one reportable operating segment. While the chief decision-makers monitor the revenue streams of the various products and services, the identifiable segments are not material. Operations are managed and financial performance is evaluated on a Company-wide basis.
 
Reclassifications
 
Certain reclassifications have been made to prior year end financial statements in order to conform to the classification adopted for reporting in 2015.
 
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Note 2. Recent Accounting Pronouncements
 
In April 2015, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") No. 2015-03, "Interest - Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs." The amendments in this guidance require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this ASU.

This guidance is effective for interim and annual reporting periods beginning after December 15, 2015, with early adoption permitted. This guidance must be adopted retrospectively, wherein the balance sheet of each period presented should be adjusted to reflect the new guidance. First Guaranty has elected early adoption of this guidance in 2015. The adoption of this guidance did not have a material impact upon First Guaranty's financial statements. No adjustments to prior year information was necessary upon the adoption of the guidance.
 
In September 2015, the FASB issued ASU 2015-16, "Simplifying the Accounting for Measurement-Period Adjustments". The guidance eliminates the requirement that an acquirer in a business combination account for measurement-period adjustments retrospectively. The ASU is effective for annual and interim periods beginning after December 15, 2015. The adoption of this ASU is not expected to have a material effect on First Guaranty's Consolidated Financial Statements.
In January 2016, the FASB issued ASU 2016-01, "Recognition and Measurement of Financial Assets and Financial Liabilities". The ASU amendments include changes related to how certain equity investments are measured, recognize changes in the fair value of financial certain liabilities measured under the fair value option, and disclose and present financial assets and liabilities on First Guaranty's consolidated financial statements. Additionally, the ASU will also require entities to present financial assets and financial liabilities separately, grouped by measurement category and form of financial asset in the statement of financial position or in the accompanying notes to the financial statements. Entities will also no longer have to disclose the methods and significant assumptions for financial instruments measured at amortized cost, but will be required to measure such instruments under the "exit price" notion for disclosure purposes. The ASU is effective for annual and interim periods beginning after December 15, 2017. The adoption of this ASU is not expected to have a material effect on First Guaranty's Consolidated Financial Statements.
In February 2016, the FASB issued ASU 2016-02, "Conforming Amendments Related to Leases". This ASU amends the codification regarding leases in order to increase transparency and comparability. The ASU requires companies to recognize lease assets and liabilities on the statement of condition and disclose key information about leasing arrangements. A lessee would recognize a liability to make lease payments and a right-of-use asset representing its right to use the leased asset for the lease term. The ASU is effective for annual and interim periods beginning after December 15, 2018. The adoption of this ASU is not expected to have a material effect on First Guaranty's Consolidated Financial Statements.
 
Note 3. Cash and Due from Banks
 
Certain reserves are required to be maintained at the Federal Reserve Bank. There was no reserve requirement as of December 31, 2015 and 2014.  At December 31, 2015 First Guaranty had only one account at correspondent banks, excluding the Federal Reserve Bank, that exceeded the FDIC insurable limit of $250,000. This account was over the insurable limit by $2,000. At December 31, 2014 First Guaranty had only one account at correspondent banks, excluding the Federal Reserve Bank, that exceeded the FDIC insurable limit of $250,000. This account was over the insurable limit by $1,000.
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Note 4.  Securities
 
A summary comparison of securities by type at December 31, 2015 and 2014 is shown below.
 
 
December 31, 2015
  
December 31, 2014
  
(in thousands)
Amortized Cost
  
Gross Unrealized Gains
  
Gross Unrealized Losses
  
Fair Value
  
Amortized Cost
  
Gross Unrealized Gains
  
Gross Unrealized Losses
  
Fair Value
  
Available-for-sale:
                                
U.S Treasuries $ 29,999   $ -   $ -   $ 29,999   $ 36,000   $ -   $ -   $ 36,000  
U.S. Government Agencies
    165,364  
 
-
  
 
(1,553
)
 
163,811
  
 
295,620
    
30
  
 
(4,155
)
  
291,495
  
Corporate debt securities
   105,680    
2,259
    
(2,803
)
  
105,136
    
126,654
    
4,415
    
(1,006
)
  
130,063
  
Mutual funds or other equity securities
   580    
2
    
-
 
  
582
    
570
    
4
    
-
 
  
574
  
Municipal bonds
   47,339    
899
    
(5
)
  
48,233
    
40,599
    
1,077
    
-
 
  
41,676
  
Mortgage-backed securities   28,891     -     (283 )    28,608     -     -     -     -  
Total available-for-sale securities
 
377,853
  
 
3,160
  
 
(4,644
)
 
376,369
  
 
499,443
  
 
5,526
  
 
(5,161
)
 
499,808
  
                                                 
Held to maturity:
                                                
U.S. Government Agencies
 
77,343
  
 
-
  
 
(721
)
 
76,622
  
 
84,479
  
 
-
  
 
(1,950
)
 
82,529
  
Mortgage-backed securities   92,409     9     (892 )    91,526     57,316     57     (214 )    57,159  
Total held to maturity securities
$
 169,752  
$
9
  
$
(1,613
)
$
168,148
  
$
141,795
  
$
57
  
$
(2,164
)
$
139,688
  
 
The scheduled maturities of securities at December 31, 2015, by contractual maturity, are shown below. Actual maturities may differ from contractual maturities due to call or prepayments. Mortgage-backed securities are not due at a single maturity because of amortization and potential prepayment of the underlying mortgages. For this reason they are presented separately in the maturity table below.
 
 
December 31, 2015
  
(in thousands)
Amortized Cost
  
Fair Value
  
Available-for-sale:
        
Due in one year or less
$
38,847
  
$
38,905
  
Due after one year through five years
  
138,704
    
138,924
  
Due after five years through 10 years
  
124,736
    
122,706
  
Over 10 years
  
46,675
    
47,226
  
   Subtotal   348,962     347,761  
 Mortgage-backed Securities   28,891     28,608  
Total available-for-sale securities
 
377,853
  
 
376,369
  
             
Held to maturity:
            
Due in one year or less
 
-
  
 
-
  
Due after one year through five years
  
21,803
    
21,545
  
Due after five years through 10 years
  
55,540
    
55,077
  
Over 10 years
  
-
    
-
  
  Subtotal   77,343     76,622  
Mortgage-backed Securities   92,409     91,526  
Total held to maturity securities
$
169,752
  
$
 168,148  
 
 
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The following is a summary of the fair value of securities with gross unrealized losses and an aging of those gross unrealized losses as of the dates indicated:
 
At December 31, 2015  
  Less Than 12 Months   12 Months or More   Total  
(in thousands) Number of Securities  
Fair Value
  
Gross Unrealized Losses
   Number of Securities  
Fair Value
  
Gross Unrealized Losses
   Number of Securities  
Fair Value
  
Gross Unrealized Losses
  
Available-for-sale:
                                    
U.S. Treasuries  2   $ 9,999   $ -    -   $ -   $ -   2    $ 9,999   $ -  
U.S. Government agencies
 49    
116,473
    
(921
 )   11    
47,338
  
 
(632
 )   60    
163,811
    
(1,553
 )
Corporate debt securities
 112    
31,414
    
(1,509
 ) 27     
5,344
    
(1,294
 ) 139     
36,758
    
(2,803
 )
Mutual funds or other equity securities
 -     -     -   -      -     -    -     -     -  
Municipal bonds  2     679     (5 )   -     -     -   2      679     (5 ) 
Mortgage-backed securities  14     28,608     (283 )   -     -     -   14      28,608     (283 ) 
Total available-for-sale securities
 179    
187,173
  
(2,718
 )  38  
52,682
  
(1,926
 )  217  
239,855
    
(4,644
 )
                                                 
Held to maturity:
                                                
U.S. Government agencies
 16  
51,865
    
(404
 )  7    
23,852
  
(317
 )   23  
75,717
  
(721
 )
Mortgage-backed securities 39      82,863     (892 )  -      -     -    39     82,863     (892 ) 
Total held to maturity securities
 55   
$
134,728
  
$
(1,296
 ) 7   
$
23,852
  
$
(317
 )   62  
$
158,580
  
$
(1,613
 ) 
 
 
  At December 31, 2014  
  Less Than 12 Months   12 Months or More   Total  
(in thousands) Number of Securities  
Fair Value
  
Gross Unrealized Losses
   Number of Securities  
Fair Value
  
Gross Unrealized Losses
   Number of Securities  
Fair Value
  
Gross Unrealized Losses
  
Available-for-sale:
                                    
U.S. Treasuries  4   $  24,000   $  -    -   $  -   $  -    4   $  24,000   $  -  
U.S. Government agencies
  4    
43,983
    
(17
 )   66    
232,482
  
 
(4,138
 )   70    
276,465
    
(4,155
 ) 
Corporate debt securities
  37    
15,395
    
(238
 )   50    
15,397
    
(768
 )   87    
30,792
    
(1,006
 ) 
Mutual funds or other equity securities
  -      -      -    -      -      -    -      -      -  
Municipal bonds  -       -      -    -      -      -    -      -      -  
Total available-for-sale securities
  45    
83,378
  
(255
 )  116  
247,879
  
(4,906
 )   161  
331,257
    
(5,161
 ) 
                                                 
Held to maturity:
                                                
U.S. Government agencies
  1  
4,993
    
(7
 )   19    
77,536
  
(1,943
 )   20  
82,529
  
(1,950
 ) 
Mortgage-backed securities  7      12,008     (13 )   12      29,415     (201 )   19      41,423      (214 ) 
Total held to maturity securities
  8  
$
17,001
  
$
(20
 )  31  
$
106,951
  
$
(2,144
 )   39  
$
123,952
  
$
(2,164
 ) 
 
As of December 31, 2015, 279 of First Guaranty's debt securities had unrealized losses totaling 1.5% of the individual securities’ amortized cost basis and 1.1% of First Guaranty's total amortized cost basis of the investment securities portfolio. 45 of the 279 securities had been in a continuous loss position for over 12 months at such date.  The 45 securities had an aggregate amortized cost basis of $78.8 million and an unrealized loss of $2.2 million at December 31, 2015.  Management has the intent and ability to hold these debt securities until maturity or until anticipated recovery. 
-80-
Securities are evaluated for other-than-temporary impairment ("OTTI") at least quarterly and more frequently when economic or market conditions warrant. Consideration is given to (i) the length of time and the extent to which the fair value has been less than cost, (ii) the financial condition and near-term prospects of the issuer, (iii) the recovery of contractual principal and interest and (iv) the intent and ability of First Guaranty to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value.
 
Investment securities issued by the U.S. Government and Government sponsored agencies with unrealized losses and the amount of unrealized losses on those investment securities are the result of changes in market interest rates. First Guaranty has the ability and intent to hold these securities until recovery, which may not be until maturity.
 
Corporate debt securities in a loss position consist primarily of corporate bonds issued by businesses in the financial, insurance, utility, manufacturing, industrial, consumer products and oil and gas industries. Two issuers were determined during 2015 to have other-than-temporary impairment losses.  First Guaranty believes that the remaining issuers will be able to fulfill the obligations of these securities based on evaluations described above. First Guaranty has the ability and intent to hold these securities until they recover, which could be at their maturity dates.
 
During the years ended December 31, 2015, First Guaranty recorded OTTI losses on available-for-sale securities as follows:
(in thousands)
  
Year Ended
December 31, 2015
  
Total OTTI charge realized and unrealized
  
$
571
  
OTTI recognized in other comprehensive income (non-credit component)
    
396
  
Net impairment losses recognized in earnings (credit component)
  
$
175
  
 
There were no other-than-temporary impairment losses recognized on securities in 2014 or 2013.
 
The following table presents a roll-forward of the amount of credit losses on debt securities held by First Guaranty for which a portion of OTTI was recognized in other comprehensive income for the year end year ended December 31, 2015:
 
(in thousands)        
Beginning balance of credit losses at December 31, 2014
  
$
-
  
Other-than-temporary impairment credit losses on securities not previously OTTI
    
175
  
Increases for additional credit losses on securities previously determined to be OTTI
    
-
  
Reduction for increases in cash flows
    
-
  
Reduction due to credit impaired securities sold or fully settled
    
-
  
Ending balance of cumulative credit losses recognized in earnings at December 31, 2015
  
$
175
  
 
In 2015 there were no other-than-temporary impairment credit losses on securities for which we had previously recognized OTTI. The amount related to losses on securities with no previous losses amounted to $0.2 million at December 31, 2015.  For securities that have indications of credit related impairment, management analyzes future expected cash flows to determine if any credit related impairment is evident.   Estimated cash flows are determined using management's best estimate of future cash flows based on specific assumptions.  The assumptions used to determine the cash flows were based on estimates of loss severity and credit default probabilities.  Management reviews reports from credit rating agencies and public filings of issuers.  The credit related impairment was related to one corporate debt security with a book balance of $0.5 million that experienced declines in its financial performance associated with the mining industry.  This corporate debt security had a non-credit related impairment of $0.3 million.  A second corporate debt security had a non-credit related impairment of $0.1 million due to the fact that the issuer went private and liquidity in its debt securities was reduced.  Management anticipates receipt of all scheduled cash flows for this security.
 
Non-credit related other-than-temporary impairment losses recognized in other comprehensive income totaled $0.4 million in 2015 and zero in 2014. The impairment losses were related to two available for sale corporate bond securities, described above, which had original amortized cost of $0.8 million. 
 
At December 31, 2015 and 2014 the carrying value of pledged securities totaled $427.4 million and $516.5 million, respectively. First Guaranty completed its liquidation of the common stock from a converted preferred security in the third quarter of 2015. The total gains realized on the security were $2.7 million. Gross realized gains on sales of securities were $3.3 million (including the sale of the converted preferred security), $0.2 million and $1.4 million for the years ended December 31, 2015, 2014 and 2013, respectively. Gross realized losses were $0.4 million, $0.2 million and $0 for the years ended December 31, 2015, 2014 and 2013. The tax applicable to these transactions amounted to $1.2 million, $0 million, and $0.5 million for 2015, 2014 and 2013, respectively. Proceeds from sales of securities classified as available-for-sale amounted to $290.0 million, $109.8 million and $18.6 million for the years ended December 31, 2015, 2014 and 2013, respectively.

Net unrealized losses on available-for-sale securities included in accumulated other comprehensive income (loss) ("AOCI"), net of applicable income taxes, totaled $0.9 million at December 31, 2015. At December 31, 2014 net unrealized gains included in AOCI, net of applicable income taxes, totaled $0.2 million. During 2015 and 2014 gains, net of tax, reclassified out of AOCI into earnings totaled $2.1 million and $0.2 million, respectively.    
 
-81-
At December 31, 2015, First Guaranty's exposure to investment securities issuers that exceeded 10% of shareholders’ equity as follows:
 
 
At December 31, 2015
  
(in thousands)
Amortized Cost
  
Fair Value
  
U.S. Treasuries
$
29,999
  
$
29,999
  
Federal Home Loan Bank (FHLB)  
85,507
    
84,689
  
Federal Home Loan Mortgage Corporation (Freddie Mac-FHLMC)
  
66,271
    
65,589
  
Federal National Mortgage Association (Fannie Mae-FNMA)
  
127,504
    
126,294
  
Federal Farm Credit Bank (FFCB)
   84,726     83,996  
Total
$
394,007
  
$
390,567
  
 
-82-
Note 5. Loans
 
The following table summarizes the components of First Guaranty's loan portfolio as of the dates indicated:
 
 
December 31, 2015
  
December 31, 2014
  
(in thousands except for %)
Balance
  
As % of Category
  
Balance
  
As % of Category
  
Real Estate:
                
Construction & land development
$
56,132
  
6.6
%
$
52,094
  
6.6
%
Farmland
  
17,672
  
2.1
%
  
13,539
  
1.7
%
1- 4 Family
  
129,610
  
15.4
%
  
118,181
  
14.9
%
Multifamily
  
12,629
  
1.5
%
  
14,323
  
1.8
%
Non-farm non-residential
  
323,363
  
38.3
%
  
328,400
  
41.5
%
Total Real Estate
  
539,406
  
63.9
%
  
526,537
  
66.5
%
Non-real Estate:                    
Agricultural
  
25,838
  
3.1
%
  
26,278
  
3.3
%
Commercial and industrial
  
224,201
  
26.6
%
  
196,339
  
24.8
%
Consumer and other
  
54,163
  
6.4
%
  
42,991
  
5.4
%
Total Non-real Estate   304,202   36.1 %   265,608   33.5 %
Total Loans Before Unearned Income
  
843,608
  
100.0
%
  
792,145
  
100.0
%
Unearned income
  
(2,025
)
      
(1,824
)
    
Total Loans Net of Unearned Income
$
841,583
      
$
790,321
      
 
The following table summarizes fixed and floating rate loans by contractual maturity, excluding nonaccrual loans, as of December 31, 2015 and December 31, 2014 unadjusted for scheduled principal payments, prepayments, or repricing opportunities. The average life of the loan portfolio may be substantially less than the contractual terms when these adjustments are considered.
 
 
December 31, 2015
   December 31, 2014  
(in thousands)
Fixed
  
Floating
  
Total
   Fixed   Floating   Total  
One year or less
$
86,975
  
$
48,111
  
$
135,086
   $ 88,686   $ 72,250   $ 160,936  
One to five years
  
315,685
    
246,374
    
562,059
     253,306     225,655     478,961  
Five to 15 years
  
49,197
    
31,456
    
80,653
     67,012     39,634     106,646  
Over 15 years
  
36,438
    
9,333
    
45,771
     25,304     8,104     33,408  
  Subtotal
$
488,295
   $
335,274
    
823,569
   $ 434,308   $ 345,643     779,951  
Nonaccrual loans
              
20,039
                 12,194  
Total Loans Before Unearned Income
              
843,608
                 792,145  
Unearned income
              
(2,025
)
               (1,824 )
Total Loans Net of Unearned Income
            
$
841,583
               $ 790,321  
 
As of December 31, 2015, $132.9 million of floating rate loans were at their interest rate floor. At December 31, 2014, $195.7 million of floating rate loans were at the floor rate. Nonaccrual loans have been excluded from these totals.
 
 
-83-
The following tables present the age analysis of past due loans for the periods indicated:
 
As of December 31, 2015
  
(in thousands)
30-89 Days Past Due
  
90 Days or Greater Past Due
  
Total Past Due
  
Current
  
Total Loans
  
Recorded Investment 90 Days Accruing
  
Real Estate:
                                    
Construction & land development
$
12
  
$
558
  
$
570
  
$
55,562
  
$
56,132
  
$
 -  
Farmland
  
-
     136    
136
    
17,536
    
17,672
     19  
1 - 4 family
  
2,546
    
4,929
    
7,475
    
122,135
    
129,610
     391  
Multifamily
  
-
    
9,045
    
9,045
    
3,584
    
12,629
     -  
Non-farm non-residential
  
1,994
    
2,934
     4,928    
318,435
    
323,363
     -  
Total Real Estate
  
4,552
    
17,602
    
22,154
    
517,252
    
539,406
     410  
Non-Real Estate:                                    
Agricultural
  
2,346
     2,628    
4,974
    
20,864
     25,838     -  
Commercial and industrial
  
314
     48    
362
    
223,839
    
224,201
     -  
Consumer and other
   965     171    
1,136
    
53,027
    
54,163
     -  
Total Non-Real Estate   3,625     2,847     6,472      297,730     304,202     -  
Total Loans Before Unearned Income
$
8,177
  
$
20,449
  
$
28,626
  
$
814,982
  
 
843,608
  
$
 410  
Unearned income
                          
(2,025
)
      
Total Loans Net of Unearned Income
                        
$
841,583
        
 
 
 
As of December 31, 2014
  
(in thousands)
30-89 Days Past Due
  
90 Days or Greater Past Due
  
Total Past Due
  
Current
  
Total Loans
  
Recorded Investment 90 Days Accruing
  
Real Estate:
                                    
Construction & land development
$
338
  
$
486
  
$
824
  
$
51,270
  
$
52,094
  
$
  -  
Farmland
  
10
     153    
163
    
13,376
    
13,539
      -  
1 - 4 family
  
2,924
    
4,418
    
7,342
    
110,839
    
118,181
     599  
Multifamily
  
2,990
    
-
    
2,990
    
11,333
    
14,323
      -  
Non-farm non-residential
  
1,509
    
4,993
    
6,502
    
321,898
    
328,400
     -  
Total Real Estate
  
7,771
    
10,050
    
17,821
    
508,716
    
526,537
      599  
Non-Real Estate:                                    
Agricultural
  
-
     832    
832
    
25,446
      26,278      -  
Commercial and industrial
  
1,241
     1,907    
3,148
    
193,191
    
196,339
      -  
Consumer and other
  
105
    
4
    
109
    
42,882
    
42,991
      -  
Total Non-Real Estate   1,346     2,743      4,089      261,519      265,608      -  
Total Loans Before Unearned Income
$
9,117
  
$
12,793
  
$
21,910
  
$
770,235
  
 
792,145
  
$
 599  
Unearned income
                          
(1,824
)
      
Total Loans Net of Unearned Income
                        
$
790,321
        
 
The tables above include $20.0 million and $12.2 million of nonaccrual loans for December 31, 2015 and 2014, respectively. See the tables below for more detail on nonaccrual loans.
 
-84-
The following is a summary of nonaccrual loans by class for the periods indicated:
 
  As of December 31,  
(in thousands)
2015
   2014  
Real Estate:
            
Construction & land development
$
558
   $ 486  
Farmland
   117     153  
1 - 4 family 
  
4,538
     3,819  
Multifamily
  
9,045
     -  
Non-farm non-residential
  
2,934
     4,993  
Total Real Estate
  
17,192
     9,451  
Non-Real Estate:            
Agricultural
  
2,628
     832  
Commercial and industrial
  
48
     1,907  
Consumer and other
  
171
     4  
Total Non-Real Estate   2,847     2,743  
Total Nonaccrual Loans
$
20,039
   $ 12,194  
 
The following table identifies the credit exposure of the loan portfolio by specific credit ratings for the periods indicated:
 
 
As of December 31, 2015
   As of December 31, 2014  
(in thousands)
Pass
  
Special Mention
  
Substandard
   Doubtful  
Total
   Pass   Special Mention   Substandard   Doubtful   Total  
Real Estate:
                                                            
Construction & land development
$
51,681
  
$
386
  
$
4,065
   $ -  
$
56,132
   $ 46,451   $ 559   $ 5,084   $ -   $ 52,094  
Farmland
  
17,554
    
-
    
118
     -    
17,672
     13,299     87     153     -     13,539  
1 - 4 family
  
115,878
    
6,425
    
7,307
     -    
129,610
     103,582     6,113     8,486     -     118,181  
Multifamily
  
3,584
    
-
    
9,045
     -    
12,629
     3,581     6,414     4,328     -     14,323  
Non-farm non-residential
  
296,682
    
3,288
    
23,393
     -    
323,363
     300,319     6,788     21,293     -     328,400  
Total Real Estate
  
485,379
    
10,099
    
43,928
     -    
539,406
     467,232     19,961     39,344     -     526,537  
Non-Real Estate:                                                            
Agricultural
  
20,860
    
4
    
4,974
     -    
25,838
     22,789     7     3,482     -     26,278  
Commercial and industrial
  
214,184
    
471
    
9,546
     -      224,201     185,839     8,611     1,889     -     196,339  
Consumer and other
  
53,779
    
178
    
206
     -    
54,163
     42,831     123     37     -     42,991  
Total Non-Real Estate   288,823     653     14,726     -     304,202     251,459     8,741     5,408     -     265,608  
Total Loans Before Unearned Income
$
774,202
  
$
10,752
  
$
58,654
   $ -  
 
843,608
   $ 718,691   $ 28,702   $ 44,752   $ -     792,145  
Unearned income
                          
(2,025
)
                            (1,824 )
Total Loans Net of Unearned Income
                        
$
841,583
                           $ 790,321  
 
 
-85-
Note 6. Allowance for Loan Losses
 
A summary of changes in the allowance for loan losses, by loan type, for the years ended December 31, 2015, 2014 and 2013 are as follows:
 
     
    As of December 31,  
   
2015
     2014  
(in thousands)
  
Beginning
Allowance (12/31/14)
    
Charge-offs
    
Recoveries
     Provision    
Ending
Allowance (12/31/15)
    
Beginning
Allowance (12/31/13)
    
Charge-offs
    
Recoveries
     Provision    
Ending Allowance(12/31/14)
  
Real Estate:
                                        
Construction & land development
  
$
702
    
$
(559
 )  
$
5
     $ 814    
$
962
    
$
1,530
    
$
(1,032
 )  
$
6
     $ 198    
$
702
  
Farmland
    
21
      
-
      
-
       33       54      
17
       -      
-
       4      
21
  
1 - 4 family
    
2,131
      
(410
 )    
94
       (44 )    
1,771
      
1,974
      
(589
 )    
99
       647      
2,131
  
Multifamily
    
813
      
(947
 )    
46
       645      
557
      
376
      
-
      
49
       388      
813
  
Non-farm non-residential
    
2,713
      
(1,137
 )     5       1,717      
3,298
      
3,607
      
(1,515
 )    
9
       612      
2,713
  
Total Real Estate
    
6,380
      
(3,053
 )    
150
       3,165      
6,642
      
7,504
      
(3,136
 )    
163
       1,849      
6,380
  
Non-Real Estate:                                                                                
Agricultural
    
293
      
(491
 )     3       211      
16
      
46
      
(2
 )    
1
       248      
293
  
Commercial and industrial
    
1,797
      
(79
 )    
315
       494      
2,527
      
2,176
      
(266
 )    
118
       (231 )    
1,797
  
Consumer and other
    
371
      
(550
 )    
151
       258      
230
      
208
      
(289
 )    
199
       253      
371
  
Unallocated     264      
-
       -       (264 )     -       421       -       -       (157 )     264  
Total Non-Real Estate     2,725      
(1,120
 )     469       699       2,773       2,851       (557 )     318       113       2,725  
Total
  
$
9,105
    
$
(4,173
 )   $ 619     $ 3,864    
$
9,415
    
$
10,355
    
$
(3,693
 )  
$
481
     $ 1,962    
$
9,105
  
     
    As of December 31,  
    2013  
(in thousands)
  
Beginning
Allowance
(12/31/12)
    
Charge-offs
    
Recoveries
     Provision    
Ending
Allowance
(12/31/13)
  
Real Estate:
                    
Construction & land development
  
$
1,098
    
$
(233
 )  
$
10
     $ 655    
$
1,530
  
Farmland
    
50
       (31 )    
140
       (142 )    
17
  
1 - 4 family
    
2,239
      
(220
 )    
49
       (94 )    
1,974
  
Multifamily
    
284
      
-
      
-
       92      
376
  
Non-farm non-residential
    
3,666
      
(1,148
 )    
8
       1,081      
3,607
  
Total Real Estate
    
7,337
      
(1,632
 )    
207
       1,592      
7,504
  
Non-Real Estate:                                        
Agricultural
    
64
      
(41
 )    
5
       18      
46
  
Commercial and industrial
    
2,488
      
(1,098
 )    
71
       715      
2,176
  
Consumer and other
    
233
      
(262
 )    
243
       (6 )    
208
  
Unallocated     220       -       -       201       421  
Total Non-Real Estate     3,005       (1,401 )     319       928       2,851  
Total
  
$
10,342
    
$
(3,033
 )  
$
526
     $ 2,520    
$
10,355
  
 
Negative provisions are caused by changes in the composition and credit quality of the loan portfolio. The result is an allocation of the loan loss reserve from one category to another.
 
 
-86-
A summary of the allowance and loans individually and collectively evaluated for impairment are as follows:
 
     
  As of December 31, 2015  
(in thousands)
Allowance Individually Evaluated for Impairment
   Allowance Collectively Evaluated for Impairment  
Total Allowance for Credit Losses
  
Loans
Individually Evaluated for Impairment
  
Loans
Collectively Evaluated for Impairment
  
Total Loans before Unearned Income
  
Real Estate:
                                    
Construction & land development
$
-
   $ 962  
$
962
   $
368
   $ 55,764   $
56,132
  
Farmland
  
-
     54     54    
-
     17,672     
17,672
  
1 - 4 family
  
611
     1,160    
1,771
    
3,049
     126,561    
129,610
  
Multifamily
   454     103     557    
9,045
     3,584    
12,629
  
Non-farm non-residential
  
1,298
      2,000     3,298    
13,646
     309,717    
323,363
  
Total Real Estate
  
2,363
     4,279    
6,642
    
26,108
     513,298    
539,406
  
Non-Real Estate:                                    
Agricultural
  
-
     16    
16
    
4,863
     20,975    
25,838
  
Commercial and industrial
  
-
     2,527    
2,527
    
-
     224,201    
224,201
  
Consumer and other
  
-
     230    
230
    
171
     53,992    
54,163
  
Unallocated   -     -     -   -     -     -  
Total Non-Real Estate   -     2,773     2,773     5,034     299,168     304,202  
Total
$
2,363
   $ 7,052  
$
9,415
   $ 31,142   $ 812,466    
843,608
  
Unearned Income                                 (2,025 ) 
Total Loans Net of Unearned Income                               $ 841,583  
 
     
  As of December 31, 2014  
(in thousands)
Allowance Individually Evaluated for Impairment
   Allowance Collectively Evaluated for Impairment  
Total Allowance for Credit Losses
  
Loans
Individually Evaluated for Impairment
  
Loans
Collectively Evaluated for Impairment
  
Total Loans before Unearned Income
  
Real Estate:
                                    
Construction & land development
$
126
   $ 576  
$
702
   $
4,150
   $ 47,944   $
52,094
  
Farmland
  
-
     21    
21
    
-
     13,539    
13,539
  
1 - 4 family
  
598
     1,533    
2,131
    
3,420
     114,761    
118,181
  
Multifamily
  
437
     376    
813
    
7,201
     7,122    
14,323
  
Non-farm non-residential
  
468
     2,245    
2,713
    
16,287
     312,113    
328,400
  
Total Real Estate
  
1,629
    
4,751
    
6,380
    
31,058
     495,479    
526,537
  
Non-Real Estate:                                    
Agricultural
  
262
     31    
293
    
2,650
     23,628    
26,278
  
Commercial and industrial
  
19
     1,778    
1,797
    
1,664
     194,675    
196,339
  
Consumer and other
  
-
     371    
371
    
-
     42,991    
42,991
  
Unallocated   -     264     264     -     -     -  
Total Non-Real Estate   281     2,444     2,725     4,314     261,294     265,608  
Total
$
1,910
   $ 7,195  
$
9,105
   $
35,372
   $ 756,773    
792,145
  
Unearned Income                                 (1,824 )
Total Loans Net of Unearned Income                               $ 790,321  
 
As of December 31, 2015, 2014 and 2013, First Guaranty had loans totaling $20.0 million, $12.2 million and $14.5 million, respectively, not accruing interest. As of December 31, 2015, 2014 and 2013, First Guaranty had loans past due 90 days or more and still accruing interest totaling $0.4 million, $0.6 million and $0.4 million, respectively. The average outstanding balance of nonaccrual loans in 2015 was $14.9 million compared to $13.8 million in 2014 and $17.3 million in 2013.
 
Included in the above table is a loan for $5.3 million and $5.9 million at December 31, 2015 and 2014, respectively, that is no longer considered impaired but is still individually evaluated for impairment since it was formally a restructured credit that subsequently return to market terms. 
 
As of December 31, 2015, First Guaranty has no outstanding commitments to advance additional funds in connection with impaired loans.
 
 
-87-
The following is a summary of impaired loans by class at December 31, 2015:
 
As of December 31, 2015
  
(in thousands)
Recorded Investment
  
Unpaid Principal Balance
  
Related Allowance
  
Average Recorded Investment
  
Interest Income Recognized
   Interest Income Cash Basis  
Impaired Loans with no related allowance:
                                    
Real Estate:
                                    
Construction & land development   
$
368
  
$
823
  
$
-
  
$
 825  
$
41
   $ 44  
Farmland
  
-
    
-
    
-
    
-
    
-
     -  
1 - 4 family
  
1,054
    
1,358
    
-
    
1,354
    
79
     84  
Multifamily
  
3,728
     4,240    
-
    
4,305
    
254
     72  
Non-farm non-residential
  
3,637
    
4,116
    
-
    
4,124
    
165
     147  
Total Real Estate
  
8,787
    
10,537
    
-
    
10,608
     539     347  
Non-Real Estate:                                    
Agricultural
  
4,863
    
5,019
    
-
    
5,036
    
300
     300  
Commercial and industrial
  
-
    
-
    
-
    
-
    
-
     -  
Consumer and other
  
171
    
317
    
-
    
335
    
27
     20  
Total Non-Real Estate   5,034     5,336      -     5,371     327     320  
Total Impaired Loans with no related allowance   13,821     15,873      -     15,979     866     667  
                                     
Impaired Loans with an allowance recorded:
                                    
Real estate:
                                  
Construction & land development
  
-
    
-
    
-
    
-
    
-
     -  
Farmland
   -    
-
    
-
    
-
    
-
     -  
1 - 4 family
  
1,995
    
2,144
    
611
    
2,079
    
103
     125  
Multifamily
  
-
    
 
    
-
    
-
     -     -  
Non-farm non-residential
  
10,009
    
10,841
    
1,298
    
11,035
    
566
     569  
Total Real Estate
  
12,004
    
12,985
    
1,909
    
13,114
    
669
     694  
Non-Real Estate:                                    
Agricultural
  
-
    
-
    
-
    
-
    
-
     -  
Commercial and industrial
  
-
    
-
    
-
    
-
    
-
     -  
Consumer and other
  
-
    
-
    
-
    
-
    
-
     -  
Total Non-Real Estate   -     -     -     -     -     -  
Total Impaired Loans with an allowance recorded   12,004     12,985     1,909     13,114     669     694  
                                     
Total Impaired Loans
$
25,825
  
$
28,858
  
$
1,909
  
$
29,093
  
$
1,535
   $ 1,361  
 
 
-88-
 
The following is a summary of impaired loans by class at December 31, 2014:
As of December 31, 2014
  
(in thousands)
Recorded Investment
  
Unpaid Principal Balance
  
Related Allowance
  
Average Recorded Investment
  
Interest Income Recognized
   Interest Income Cash Basis  
Impaired Loans with no related allowance:
                                    
Real Estate:
                                    
Construction & land development   
$
3,308
  
$
4,359
  
$
-
  
$
 3,479  
$
217
   $ 224  
Farmland
  
-
    
-
    
-
    
-
    
-
      -  
1 - 4 family
  
1,368
    
1,656
    
-
    
397
    
72
      43  
Multifamily
  
-
      -    
-
    
148
    
31
      34  
Non-farm non-residential
  
7,439
    
9,008
    
-
    
8,694
    
422
      275  
Total Real Estate
  
12,115
    
15,023
    
-
    
12,718
     742      576  
Non-Real Estate:                                    
Agricultural
  
-
    
-
    
-
    
-
    
-
      -  
Commercial and industrial
  
-
    
-
    
-
    
-
    
-
      -  
Consumer and other
  
-
    
-
    
-
    
-
    
-
      -  
Total Non-Real Estate    -      -      -      -      -      -  
Total Impaired Loans with no related allowance    12,115      15,023      -     12,718     742      576  
                                     
Impaired Loans with an allowance recorded:
                                    
Real estate:
                                    
Construction & land development
  
842
    
842
    
126
    
829
    
48
     43  
Farmland
   -    
-
    
-
    
-
    
-
      -  
1 - 4 family
  
2,052
    
2,068
    
598
    
2,062
    
97
      87  
Multifamily
  
1,338
    
1,337
    
398
    
1,340
      60      55  
Non-farm non-residential
  
8,848
    
8,913
    
468
    
8,948
    
317
      327  
Total Real Estate
  
13,080
    
13,160
    
1,590
    
13,179
    
522
      512  
Non-Real Estate:                                    
Agricultural
  
2,650
    
2,650
    
262
    
-
    
-
      -  
Commercial and industrial
  
1,664
    
1,854
    
19
    
-
    
-
      -  
Consumer and other
  
-
    
-
    
-
    
-
    
-
      -  
Total Non-Real Estate    4,314      4,504      281     -     -      -  
Total Impaired Loans with an allowance recorded    17,394      17,664      1,871     13,179     522      512  
                                     
Total Impaired Loans
$
29,509
  
$
32,687
  
$
1,871
  
$
25,897
  
$
1,264
   $  1,088  
 
 
-89-
Troubled Debt Restructurings

A Troubled Debt Restructuring ("TDR") is a debt restructuring in which the creditor for economic or legal reasons related to the debtor's financial difficulties grants a concession to the debtor that it would not otherwise consider. The modifications to First Guaranty's TDRs were concessions on the interest rate charged. The effect of the modifications to First Guaranty was a reduction in interest income. These loans were evaluated in First Guaranty's reserve for loan losses. In 2015, there was one credit relationship in the amount of $0.4 million that was restructured in a troubled debt restructuring. The relationship was secured by raw land. The relationship was placed on interest only with a reduction in scheduled amortization payments and contractual interest rate. In 2014, there was one credit relationship in the amount of $2.2 million that was restructured in a troubled debt restructuring. The relationship was secured by 1-4 family real estate and a non-farm non-residential real estate property. The relationship was placed on interest only with a reduction in scheduled amortization payments and contractual interest rate.
 
The following table is an age analysis of TDRs as of December 31, 2015 and December 31, 2014:
 
Troubled Debt Restructurings December 31, 2015   December 31, 2014  
  Accruing Loans           Accruing Loans          
(in thousands) Current   30-89 Days Past Due   Nonaccrual   Total TDRs   Current   30-89 Days Past Due   Nonaccrual   Total TDRs  
Real Estate:                                                
Construction & land development $  -   $ -   $ 368   $ 368   $ -   $ -   $ -   $ -  
Farmland    -     -      -      -     -     -     -     -  
1 - 4 Family    -     -     1,702   1,702     -     1,752     -     1,752  
Multifamily    -     -      -      -     -     -     -     -  
Non-farm non residential   3,431     -     206     3,637     2,998     452     230     3,680  
Total Real Estate   3,431     -     2,276     5,707     2,998     2,204     230     5,432  
Non-Real Estate:                                                
Agricultural    -     -      -      -     -     -     -     -  
Commercial and industrial    -     -      -      -     -     -     -     -  
Consumer and other    -     -      -      -     -     -     -     -  
Total Non-Real Estate    -     -      -      -     -     -     -     -  
Total $ 3,431   $ -   $ 2,276   $ 5,707   $ 2,998   $ 2,204   $ 230   $ 5,432  
 
 
The following table discloses TDR activity for the twelve months ended December 31, 2015.
 
  Trouble Debt Restructured Loans Activity  
 
Twelve Months Ended December 31, 2015
  
(in thousands)
Beginning balance
(December 31, 2014)
  
New TDRs
  
Charge-offs post-modification
  
Transferred to ORE
  
Paydowns
  
Construction to permanent financing
   Restructured to market terms  
Ending balance
 
(December 31, 2015)
  
Real Estate:
                                                
Construction & land development
$
-
  
$
368
  
$
-
  
$
-
  
$
-
   $ -   $  -   $ 368  
Farmland
  
-
    
-
    
-
    
-
    
-
     -      -     -  
1 - 4 family
  
1,752
    
-
    
-
    
-
    
(50
 )    -      -     1,702  
Multifamily
  
-
    
-
    
-
    
-
    
-
     -      -     -  
Non-farm non-residential
  
3,680
    
-
    
(29
 )   
-
    
(14
 )   -      -     3,637  
Total Real Estate
  
5,432
    
368
    
(29
 )   
-
    
(64
 )    -           5,707  
Non-Real Estate:                                                
Agricultural
  
-
    
-
    
-
    
-
    
-
     -      -     -  
Commercial and industrial
  
-
    
-
    
-
    
-
    
-
     -      -     -  
Consumer and other
  
-
    
-
    
-
    
-
    
-
     -      -     -  
Total Non-Real Estate    -      -      -      -      -     -      -     -  
Total Impaired Loans with no related allowance $  5,432   $ 368   $ (29 )  $  -   $ (64 ) $ -   $  -   $ 5,707  
 
There were no commitments to lend additional funds to debtors whose terms have been modified in a troubled debt restructuring at December 31, 2015.
 
-90-
 
Note 7.  Premises and Equipment
 
The components of premises and equipment at December 31, 2015 and 2014 are as follows:
 
(in thousands)  
December 31, 2015
    
December 31, 2014
  
Land
   $ 7,227    
$
6,933
  
Bank premises
   18,914      
18,324
  
Furniture and equipment
     21,060      
19,995
  
Construction in progress
     2,667      
254
  
Acquired value
     49,868      
45,506
  
Less: accumulated depreciation
     27,849      
26,295
  
Net book value
   $ 22,019    
$
19,211
  
 
Depreciation expense amounted to $1.6 million, $1.7 million  and $1.7 million for 2015, 2014 and 2013, respectively.
 
 
Note 8. Goodwill and Other Intangible Assets
 
Goodwill and intangible assets deemed to have indefinite lives are no longer amortized, but are subject to impairment testing. Other intangible assets continue to be amortized over their useful lives. Goodwill represents the purchase price over the fair value of net assets acquired from the Homestead Bancorp in 2007. No impairment charges have been recognized since acquisition. Goodwill totaled $2.0 million at December 31, 2015 and 2014.
 
The following table summarizes intangible assets subject to amortization.
 
  December 31, 2015   December 31, 2014  
(in thousands)
 Gross Carrying Amount   Accumulated Amortization   Net Carrying Amount   Gross Carrying Amount   Accumulated Amortization    Net Carrying Amount  
Core deposit intangibles $  9,350   $  8,052   $ 1,298   $ 9,350   $ 7,732   $ 1,618  
Mortgage servicing rights    267     171      96     267     152     115  
Total $  9,617   $  8,223   $  1,394   $ 9,617   $ 7,884   $ 1,733  
 
The core deposits intangible reflect the value of deposit relationships, including the beneficial rates, which arose from acquisitions. The weighted-average amortization period remaining for the core deposit intangibles is 4.4 years.
 
Amortization expense relating to purchase accounting intangibles totaled $0.3 million, $0.3 million, and $0.3 million for the year ended December 31, 2015, 2014, and 2013, respectively.  
 
Amortization expense of the core deposit intangible assets for the next five years is as follows:
For the Years Ended
  
Estimated Amortization Expense (in thousands)
December 31, 2016
  
$  
320
December 31, 2017
  
$  
320
December 31, 2018
  
$  
320
December 31, 2019
  
$  
135
December 31, 2020
  
$  
135
 
 
Note 9. Other Real Estate
 
Other real estate owned consists of the following:
 
(in thousands)
 December 31, 2015   December 31, 2014  
Real Estate Owned Acquired by Foreclosure:            
Residential $  880   $ 1,121  
Construction & land development    25     127  
Non-farm non-residential    672     950  
Total Other Real Estate Owned and Foreclosed Property $ 1,577   $ 2,198  
 
 
-91-
Note 10.  Deposits
    
A schedule of maturities of all time deposits are as follows:
 
(in thousands)
 December 31, 2015  
2016
 $ 401,535  
2017
   118,340  
2018
    18,697  
2019   28,209  
2020 and thereafter   25,229  
Total
 $ 592,010  
 
The table above includes, for December 31, 2015, brokered deposits totaling $26.7 million. The aggregate amount of jumbo time deposits, each with a minimum denomination of $250,000 totaled $305.1 million and $323.7 million at December 31, 2015 and 2014, respectively.
 
Note 11.  Borrowings
    
Short-term borrowings are summarized as follows:
 
(in thousands)
December 31, 2015
  
December 31, 2014
  
Securities sold under agreements to repurchase
$
-
  
$
-
  
Line of credit    1,800     1,800  
Total short-term borrowings
$
1,800
  
$
1,800
  
 
Securities sold under agreements to repurchase, which are classified as secured borrowings, generally mature daily. Interest rates on repurchase agreements are set by Management and are generally based on the 91-day Treasury bill rate. First Guaranty no longer offered repurchase agreements beginning in April 2014. 
 
Available lines of credit totaled $206.2 million at December 31, 2015 and $266.7 million at December 31, 2014.
  
The following schedule provides certain information about First Guaranty's short-term borrowings for the periods indicated:
 
  December 31,  
(in thousands except for %) 2015  
2014
  
2013
  
Outstanding at year end
 $  1,800  
$
1,800
  
$
5,788
  
Maximum month-end outstanding
 $ 13,800   $
22,356
   $
57,302
  
Average daily outstanding
 $ 4,217   $
6,960
   $
21,387
  
Weighted average rate during the year
   2.12 %  
1.08
%
  
0.98
%
Average rate at year end
   4.50 %  
4.50
%
  
1.51
%
 
-92-
Long-term debt is summarized as follows:
 
Senior long-term debt with a commercial bank, priced at Wall Street Journal Prime plus 75 basis points (4.00%), totaled $0.9 million at December 31, 2015 and $1.5 million at December 31, 2014. First Guaranty pays $50,000 principal plus interest monthly. This loan has a contractual maturity date of  May 12, 2017. This long-term debt is secured by a pledge of 13.2% (735,745 shares) of First Guaranty's interest in First Guaranty Bank (a wholly owned subsidiary).
 
Senior long-term debt with a commercial bank, priced at floating 3-month LIBOR plus 250 basis points, totaled $25.0 million at December 31, 2015. First Guaranty pays $625,000 principal plus interest quarterly. This loan was originated in December 2015 and has a contractual maturity date of December 22, 2020. This long-term debt is secured by a pledge of 85% (4,823,899 shares) of First Guaranty's interest in First Guaranty Bank (a wholly owned subsidiary).
 
Junior subordinated debt, priced at Wall Street Journal Prime plus 75 basis points (4.00%), totaled $14.6 million at December 31, 2015. First Guaranty pays interest semi-annually for the Fixed Interest Rate Period and quarterly for the Floating Interest Rate Period. The Note is unsecured and ranks junior in right of payment to any senior indebtedness and obligations to general and secured creditors. The Note was originated in December 2015 is scheduled to mature on December 21, 2025. Subject to limited exceptions, First Guaranty cannot repay the Note until after December 21, 2020. The Note qualifies for treatment as Tier 2 capital for regulatory capital purposes.
 
First Guaranty maintains a revolving line of credit for $2.5 million with an availability of $0.7 million at December 31, 2015. This line of credit is secured by the same collateral as the senior term loan and is priced at 4.50%.
 
At December 31, 2015, letters of credit issued by the FHLB totaling $195.0 million were outstanding and carried as off-balance sheet items, all of which expire in 2016. At December 31, 2014, letters of credit issued by the FHLB totaling $150.0 million were outstanding and carried as off-balance sheet items, all of which expired in 2015. The letters of credit are solely used for pledging towards public fund deposits. The FHLB has a blanket lien on substantially all of the loans in First Guaranty's portfolio which is used to secure borrowing availability from the FHLB. First Guaranty has obtained a subordination agreement from the FHLB on First Guaranty's farmland, agricultural, and commercial and industrial loans. These loans are available to be pledged for additional reserve liquidity.
 
As of December 31, 2015 obligations on senior long-term debt and junior subordinated debentures totalled $40.4 million.  The scheduled maturities are as follows:
(in thousands)
  
Senior
Long-term Debt
    
Junior Subordinated Debentures
  
2016
  
$
3,100
    
$
-
  
2017
    
2,755
      
-
  
2018
    
2,500
      
-
  
2019
    
2,500
      
-
  
2020
    
2,500
      
-
  
2021 and thereafter     12,500       15,000  
Subtotal
  
$
25,855
    
$
15,000
  
Debt issuance costs     (31 )      (403 ) 
Total   $ 25,824     $ 14,597  
 
Note 12. Preferred Stock
 
On September 22, 2011, First Guaranty received $39.4 million in funds from the U.S. Treasury's Small Business Lending Fund program. $21.1 million of the funds were used to redeem First Guaranty's Series A and B Preferred Stock issued to the U.S. Treasury under the Capital Purchase Program. The Preferred Series C shares received quarterly dividends and the initial dividend rate was 5.00%. The dividend rate was based on qualified loan growth two quarters in arrears. During 2014 First Guaranty achieved the growth in qualified loans required to achieve the 1.0% dividend rate. The 1.0% rate was locked in until December 31, 2015. During 2015 First Guaranty paid $0.4 million in preferred stock dividends compared to $0.4 million in 2014 and $0.7 million in 2013.
 
On December 22, 2015, First Guaranty redeemed all of the 39,435 shares of its Senior Non-Cumulative Perpetual Preferred Stock, Series C, that had been issued to the United States Department of Treasury pursuant to the Small Business Lending Fund (the "SBLF"). The shares were redeemed at their liquidation value of $1,000 per share plus accrued and unpaid dividends to, but excluding December 22, 2015, for a total redemption price of $39.5 million. The redemption was approved by the Federal Reserve Bank of Atlanta and the United States Department of Treasury. The redemption terminated First Guaranty's participation in the SBLF.
 
-93-
Note 13. Capital Requirements
    
First Guaranty and the Bank are subject to various regulatory capital requirements administered by federal and state banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions that, if undertaken, could have a direct material effect on First Guaranty's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, First Guaranty and the Bank must meet specific capital guidelines that involve quantitative measures of their 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. Prompt corrective action provisions are not applicable to bank holding companies.
 
Quantitative measures established by regulation to ensure capital adequacy require First Guaranty and the Bank to maintain minimum amounts and ratios of total and Tier 1 capital to risk-weighted assets and of Tier 1 capital to average assets. Management believes, as of December 31, 2015 and 2014, that First Guaranty and the Bank met all capital adequacy requirements.
    
As of December 31, 2015, the most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the following table. There are no conditions or events since the notification that Management believes have changed the Bank’s category. First Guaranty's and the Bank’s actual capital amounts and ratios as of December 31, 2015 and 2014 are presented in the following table.
 
  Actual   Minimum Capital Requirements   Minimum to be Well Capitalized Under Action Provisions  
(in thousands except for %) Amount
Ratio
   Amount
Ratio
   Amount
Ratio
  
December 31, 2015                        
Total Risk-based Capital:
                        
Consolidated
 $
141,022
13.13
 % $
85,952
8.00
 %  
N/A
N/A
  
Bank
 $
148,316
13.86
 % $
85,632
8.00
 % $
107,040
10.00
 %
                         
Tier 1 Capital:
                        
Consolidated
 $
116,607
10.85
 % $
64,464
6.00
 %  
N/A
N/A
  
Bank
 $
138,901
 12.98 % $
64,224
6.00
 % $ 85,632
8.00
 %
                         
Tier 1 Leverage Capital:
                        
Consolidated
 $
116,607
8.17
 % $
57,121
4.00
 %  
N/A
N/A
  
Bank
 $
138,901
9.74
 % $
57,062
4.00
 % $
71,328
5.00
 %
                         
Common Equity Tier One Capital:                        
Consolidated  $  116,607  10.85 %  $  48,348  4.50 %    N/A  N/A  
Bank  $  138,901  12.98 %  $ 48,168  4.50 %  $  69,576  6.50 % 
                         
December 31, 2014
                        
Total Risk-based Capital:
                        
Consolidated
 $
144,834
14.05
 % $
82,486
8.00
 %  
N/A
N/A
  
Bank
 $
143,426
13.96
 % $
82,170
8.00
 % $
102,712
10.00
 %
                         
Tier 1 Capital:
                        
Consolidated
 $
135,727
13.16
 % $
41,243
4.00
 %  
N/A
N/A
  
Bank
 $
134,319
13.08
 % $
41,085
4.00
 % $
61,627
6.00
 %
                         
Tier 1 Leverage Capital:
                        
Consolidated
 $
135,737
9.33
 % $
58,173
4.00
 %  
N/A
N/A
  
Bank
 $
134,319
9.26
 % $
58,025
4.00
 % $
72,532
5.00
 %
                         
Common Equity Tier One Capital: N/A  N/A  N/A  N/A N/A N/A  
Consolidated   N/A  N/A   N/A  N/A    N/A N/A  
Bank                        
 
 
-94-
Note 14. Dividend Restrictions
 
The Federal Reserve Bank ("FRB") has stated that, generally, a bank holding company should not maintain a rate of distributions to shareholders unless its available net income has been sufficient to fully fund the distributions, and the prospective rate of earnings retention appears consistent with the bank holding company’s capital needs, asset quality and overall financial condition. As a Louisiana corporation, First Guaranty is restricted under the Louisiana corporate law from paying dividends under certain conditions.
 
First Guaranty Bank may not pay dividends or distribute capital assets if it is in default on any assessment due to the FDIC. First Guaranty Bank is also subject to regulations that impose minimum regulatory capital and minimum state law earnings requirements that affect the amount of cash available for distribution. In addition, under the Louisiana Banking Law, dividends may not be paid if it would reduce the unimpaired surplus below 50% of outstanding capital stock in any year.
 
The Bank is restricted under applicable laws in the payment of dividends to an amount equal to current year earnings plus undistributed earnings for the immediately preceding year, unless prior permission is received from the Commissioner of Financial Institutions for the State of Louisiana. Dividends payable by the Bank in 2016 without permission will be limited to 2016 earnings plus the undistributed earnings of $3.5 million from 2015.
 
Accordingly, at January 1, 2016, $137.0 million of First Guaranty's equity in the net assets of the Bank was restricted. In addition, dividends paid by the Bank to First Guaranty would be prohibited if the effect thereof would cause the Bank’s capital to be reduced below applicable minimum capital requirements.
 
Note 15.  Related Party Transactions
    
In the normal course of business, First Guaranty and its subsidiary, First Guaranty Bank,  have loans, deposits and other transactions with its executive officers, directors and certain business organizations and individuals with which such persons are associated. These transactions are completed with terms no less favorable than current market rates. An analysis of the activity of loans made to such borrowers during the year ended December 31, 2015 and 2014 follows:
 
  December 31,  
(in thousands)
2015
  
2014
  
Balance, beginning of year
$
53,808
  
$
49,951
  
Net Increase
 
4,008
    
3,857
  
Balance, end of year
$
57,816
  
$
53,808
  
 
Unfunded commitments to First Guaranty and Bank directors and executive officers totaled $31.6 million and $19.7 million at December 31, 2015 and 2014, respectively. At December 31, 2015 First Guaranty and the Bank had deposits from directors and executives totaling $22.7 million. There were no participations in loans purchased from affiliated financial institutions included in First Guaranty's loan portfolio in 2015 or 2014.
 
During the years ended 2015, 2014 and 2013, First Guaranty paid approximately $0.2 million, $0.2 million and $0.5 million, respectively, for printing services and supplies and office furniture and equipment to Champion Industries, Inc., of which Mr. Marshall T. Reynolds, the Chairman of First Guaranty's Board of Directors, is President, Chief Executive Officer, Chairman of the Board of Directors and a major shareholder of Champion.
 
First Guaranty paid insurance expenses of $0, $2.3 million and $2.4 million for 2015, 2014 and 2013, respectively for participation in an employee medical benefit plan in which several entities under common ownership of First Guaranty's Chairman participate. First Guaranty terminated the plan in 2014 and enrolled in a fully insured plan from a third party national provider of health insurance.
 
First Guaranty paid travel expenses to Sabre Transportation, Inc. of $0, $0 and $49,000 for 2015, 2014 and 2013, respectively. These expenses include the utilization of an aircraft, fuel, air crew and ramp fees. The Harrah and Reynolds Corporation, of which Mr. Reynolds is President and Chief Executive Officer and sole shareholder, has controlling interest in Sabre Transportation, Inc.
 
-95-
Note 16. Employee Benefit Plans 
    
First Guaranty has an employee savings plan to which employees, who meet certain service requirements, may defer 1% to 20% of their base salaries, 6% of which may be matched up to 100%, at its sole discretion. Contributions to the savings plan were $86,000, $87,000 and $81,000 in 2015, 2014 and 2013, respectively.  First Guaranty has an Employee Stock Ownership Plan (“ESOP”) which was frozen in 2010. No contributions were made to the ESOP for the years 2015, 2014 or 2013. As of December 31, 2015, the ESOP held 14,653 shares. First Guaranty does not plan to make future contributions to this plan.
 
 
Note 17. Other Expenses
 
The following is a summary of the significant components of other noninterest expense:
 
      December 31,  
(in thousands)
   2015     2014    
2013
  
Other noninterest expense:
            
Legal and professional fees
   $ 2,019     $ 1,982    
$
2,347
  
Data processing
     1,184       1,153      
1,269
  
Marketing and public relations
     848       700      
638
  
Taxes - sales, capital and franchise
     717       605      
584
  
Operating supplies
     414       410      
487
  
Travel and lodging
     818       566      
563
  
Telephone     172       242       206  
Amortization of core deposits     320       320       320  
Donations     332       150       294  
Net costs from other real estate and repossessions
     493       1,374      
941
  
Regulatory assessment
     1,111       1,181      
1,784
  
Other
     3,326       3,143      
3,237
  
Total other noninterest expense
   $ 11,754     $ 11,826    
$
12,670
  
 
First Guaranty does not capitalize advertising costs. They are expensed as incurred and are included in other noninterest expense on the Consolidated Statements of Income. Advertising expense was $0.6 million, $0.4 million and $0.4 million for 2015, 2014 and 2013, respectively.
 
-96-
 
Note 18.  Income Taxes
 
The following is a summary of the provision for income taxes included in the Consolidated Statements of Income:
 
     December 31,  
(in thousands)
   2015  
2014
  
2013
  
Current
   $ 7,347    
$
4,898
    
$
4,748
  
Deferred
     (384 )      594      
(171
 )
Total
   $ 6,963    
$
5,492
    
$
4,577
  
 
The difference between income taxes computed by applying the statutory federal income tax rate and the provision for income taxes in the financial statements is reconciled as follows:
 
    December 31,  
(in thousands except for %)   2015    
2014
    
2013
  
Statutory tax rate
   35.0 %    
35.0
%
    
35.0
%
                         
Federal income taxes at statutory rate
   $ 7,514     $ 5,851    
$
4,803
  
Tax exempt municipal income     (436 )      (284 )     (133 )
Other
     (115 )      (75 )    
(93
)
Total
   $ 6,963    
$
5,492
    
$
4,577
  
 
Deferred taxes are recorded based upon differences between the financial statement and tax basis of assets and liabilities, and available tax credit carry forwards. Temporary differences between the financial statement and tax values of assets and liabilities give rise to deferred taxes. The significant components of deferred taxes classified in First Guaranty's Consolidated Balance Sheets at December 31, 2015 and 2014 are as follows:
 
      December 31,  
(in thousands)   2015    
2014
  
Deferred tax assets:
        
Allowance for loan losses
   $ 3,201    
$
3,096
  
Other real estate owned
     127       148  
Unrealized losses on available for sale securities
     445       -  
Other
     541      
407
  
Gross deferred tax assets
     4,314      
3,651
  
                 
Deferred tax liabilities:
                
Depreciation and amortization
     (1,588 )      (1,779
)
Core deposit intangibles     (441 )      (550 )
Unrealized gains on available for sale securities
     -      
(124
 )
Other
     (373 )    
(359
)
Gross deferred tax liabilities
     (2,402 )     
(2,812
)
                 
Net deferred tax assets
  $ 1,912    
$
839
  
 
As of December 31, 2015 and 2014, there were no net operating loss carryforwards for income tax purposes.
   
ASC 740-10, Income Taxes, clarifies the accounting for uncertainty in income taxes and prescribes a recognition threshold and measurement attribute for the consolidated financial statements recognition and measurement of a tax position taken or expected to be taken in a tax return. First Guaranty does not believe it has any unrecognized tax benefits included in its consolidated financial statements. First Guaranty has not had any settlements in the current period with taxing authorities, nor has it recognized tax benefits as a result of a lapse of the applicable statute of limitations.  First Guaranty recognizes interest and penalties accrued related to unrecognized tax benefits, if applicable, in noninterest expense. During the years ended December 31, 2015, 2014 and 2013, First Guaranty did not recognize any interest or penalties in its consolidated financial statements, nor has it recorded an accrued liability for interest or penalty payments.
 
 
-97-
Note 19.  Commitments and Contingencies
    
Off-balance sheet commitments
 
First Guaranty is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers and to reduce its own exposure to fluctuations in interest rates. These financial instruments include commitments to extend credit and standby and commercial letters of credit. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the Consolidated Balance Sheets. The contract or notional amounts of those instruments reflect the extent of the involvement in particular classes of financial instruments.
 
The exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby and commercial letters of credit is represented by the contractual notional amount of those instruments. Unless otherwise noted, collateral or other security is not required to support financial instruments with credit risk.
 
Set forth below is a summary of the notional amounts of the financial instruments with off-balance sheet risk at December 31, 2015 and December 31, 2014.
 
(in thousands)
   December 31, 2015     December 31, 2014  
Contract Amount        
Commitments to Extend Credit   $ 88,081     $ 59,675  
Unfunded Commitments under lines of credit    $ 107,581     $ 111,247  
Commercial and Standby letters of credit   $ 7,486     $ 7,743  
 
Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Each customer's creditworthiness is evaluated on a case-by-case basis. The amount of collateral obtained, if deemed necessary upon extension of credit, is based on Management's credit evaluation of the counterpart. Collateral requirements vary but may include accounts receivable, inventory, property, plant and equipment, residential real estate and commercial properties.
   
Standby and commercial letters of credit are conditional commitments to guarantee the performance of a customer to a third party. These guarantees are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing and similar transactions. The majority of these guarantees are short-term, one year or less; however, some guarantees extend for up to three years. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities. Collateral requirements are the same as on-balance sheet instruments and commitments to extend credit.
 
There were no losses incurred on off-balance sheet commitments in 2015, 2014 or 2013.
-98-
    
Note 20.  Fair Value Measurements
 
The fair value of a financial instrument is the current amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. A fair value measurement assumes that the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability or, in the absence of a principal market, the most advantageous market for the asset or liability. Valuation techniques use certain inputs to arrive at fair value. Inputs to valuation techniques are the assumptions that market participants would use in pricing the asset or liability. They may be observable or unobservable. First Guaranty uses a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. The fair value hierarchy is as follows:
 
Level 1 Inputs – Unadjusted quoted market prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date.
 
Level 2 Inputs – Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (such as interest rates, volatilities, prepayment speeds or credit risks) or inputs that are derived principally from or corroborated by market data by correlation or other means.
 
Level 3 Inputs – Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity’s own assumptions about the assumptions that market participants would use in pricing the assets or liabilities.
 
A description of the valuation methodologies used for instruments measured at fair value follows, as well as the classification of such instruments within the valuation hierarchy.
 
Securities available for sale. Securities are classified within Level 1 where quoted market prices are available in an active market. Inputs include securities that have quoted prices in active markets for identical assets. If quoted market prices are unavailable, fair value is estimated using quoted prices of securities with similar characteristics, at which point the securities would be classified within Level 2 of the hierarchy. Securities classified Level 3 as of December 31, 2015 include municipal bonds and an equity security.
 
Impaired loans. Loans are measured for impairment using the methods permitted by ASC Topic 310. Fair value of impaired loans is measured by either the fair value of the collateral if the loan is collateral dependent (Level 2 or Level 3), or the present value of expected future cash flows, discounted at the loan's effective interest rate (Level 3). Fair value of the collateral is determined by appraisals or by independent valuation.
 
Other real estate owned. Properties are recorded at the balance of the loan or at estimated fair value less estimated selling costs, whichever is less, at the date acquired. Fair values of other real estate owned ("OREO") at December 31, 2015 and 2014 are determined by sales agreement or appraisal, and costs to sell are based on estimation per the terms and conditions of the sales agreement or amounts commonly used in real estate transactions. Inputs include appraisal values or recent sales activity for similar assets in the property’s market; thus OREO measured at fair value would be classified within either Level 2 or Level 3 of the hierarchy.

Certain non-financial assets and non-financial liabilities are measured at fair value on a non-recurring basis including assets and liabilities related to reporting units measured at fair value in the testing of goodwill impairment, as well as intangible assets and other non-financial long-lived assets measured at fair value for impairment assessment.
 
The following table summarizes financial assets measured at fair value on a recurring basis as of December 31, 2015 and 2014, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value:
 
(in thousands) December 31, 2015   December 31, 2014  
Available for Sale Securities Fair Value Measurements Using:
           
Level 1: Quoted Prices in Active Markets For Identical Assets
$
30,501
  
$
36,504
  
Level 2: Significant Other Observable Inputs
 
338,167
    
454,524
  
Level 3: Significant Unobservable Inputs
 
7,701
    
8,780
  
Securities available for sale measured at fair value $ 376,369   $ 499,808  
 
First Guaranty's valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values.  While Management believes the methodologies used are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value.  
 
The change in Level 1 securities available for sale from December 31, 2014 was due to a reduction in Treasury bills of $6.0 million. The change in Level 2 securities available for sale from December 31, 2014 was due principally to the sale of short term agency securities.
 
-99-
The following table reconciles assets measured at fair value on a recurring basis using unobservable inputs (Level 3):
 
  Level 3 Changes  
(in thousands) December 31, 2015   December 31, 2014  
Balance, beginning of year
 $ 8,780  
$
5,834
  
Total gains or losses (realized/unrealized):
            
   Included in earnings
    -    
-
  
   Included in other comprehensive income
    -    
-
  
Purchases, sales, issuances and settlements, net
   (1,079 )  
2,946
 
Transfers in and/or out of Level 3
    -    
-
  
Balance as of end of year
 $ 7,701   $
8,780
  
 
There were no gains or losses for the period included in earnings attributable to the change in unrealized gains or losses relating to assets still held as of December 31, 2015.
 
The following table measures financial assets and financial liabilities measured at fair value on a non-recurring basis as of December 31, 2015, segregated by the level of valuation inputs within the fair value hierarchy utilized to measure fair value:
 
(in thousands)
At December 31, 2015
  
At December 31, 2014
  
Fair Value Measurements Using: Impaired Loans
            
Level 1: Quoted Prices in Active Markets For Identical Assets
$
  -  
$
 -  
Level 2: Significant Other Observable Inputs
293  
5,244  
Level 3: Significant Unobservable Inputs
16,401  
15,618  
Impaired loans measured at fair value $ 16,694   $ 20,862  
             
Fair Value Measurements Using: Other Real Estate Owned
            
Level 1: Quoted Prices in Active Markets For Identical Assets
$
  -  
$
 -  
Level 2: Significant Other Observable Inputs
1,104  
1,847  
Level 3: Significant Unobservable Inputs
473     351  
Other real estate owned measured at fair value $ 1,577   $ 2,198  
 
ASC 825-10 provides First Guaranty with an option to report selected financial assets and liabilities at fair value. The fair value option established by this statement permits First Guaranty to choose to measure eligible items at fair value at specified election dates and report unrealized gains and losses on items for which the fair value option has been elected in earnings at each reporting date subsequent to implementation.
 
First Guaranty has chosen not to elect the fair value option for any items that are not already required to be measured at fair value in accordance with accounting principles generally accepted in the United States.
 
 
-100-
Note 21.  Financial Instruments
    
Fair value estimates are generally subjective in nature and are dependent upon a number of significant assumptions associated with each instrument or group of similar instruments, including estimates of discount rates, risks associated with specific financial instruments, estimates of future cash flows and relevant available market information. Fair value information is intended to represent an estimate of an amount at which a financial instrument could be exchanged in a current transaction between a willing buyer and seller engaging in an exchange transaction. However, since there are no established trading markets for a significant portion of First Guaranty's financial instruments, First Guaranty may not be able to immediately settle financial instruments; as such, the fair values are not necessarily indicative of the amounts that could be realized through immediate settlement. In addition, the majority of the financial instruments, such as loans and deposits, are held to maturity and are realized or paid according to the contractual agreement with the customer.
 
Quoted market prices are used to estimate fair values when available. However, due to the nature of the financial instruments, in many instances quoted market prices are not available. Accordingly, estimated fair values have been estimated based on other valuation techniques, such as discounting estimated future cash flows using a rate commensurate with the risks involved or other acceptable methods. Fair values are estimated without regard to any premium or discount that may result from concentrations of ownership of financial instruments, possible income tax ramifications or estimated transaction costs. The fair value estimates are subjective in nature and involve matters of significant judgment and, therefore, cannot be determined with precision. Fair values are also estimated at a specific point in time and are based on interest rates and other assumptions at that date. As events change the assumptions underlying these estimates, the fair values of financial instruments will change.
 
Disclosure of fair values is not required for certain items such as lease financing, investments accounted for under the equity method of accounting, obligations of pension and other postretirement benefits, premises and equipment, other real estate, prepaid expenses, the value of long-term relationships with depositors (core deposit intangibles) and other customer relationships, other intangible assets and income tax assets and liabilities. Fair value estimates are presented for existing on- and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. In addition, the tax ramifications related to the realization of the unrealized gains and losses have not been considered in the estimates. Accordingly, the aggregate fair value amounts presented do not purport to represent and should not be considered representative of the underlying market or franchise value of First Guaranty.
 
Because the standard permits many alternative calculation techniques and because numerous assumptions have been used to estimate the fair values, reasonable comparison of the fair value information with other financial institutions' fair value information cannot necessarily be made. The methods and assumptions used to estimate the fair values of financial instruments are as follows:
 
Cash and due from banks, interest-bearing deposits with banks, federal funds sold and federal funds purchased.
 
These items are generally short-term and the carrying amounts reported in the consolidated balance sheets are a reasonable estimation of the fair values.
 
Investment Securities.
 
Fair values are principally based on quoted market prices. If quoted market prices are not available, fair values are based on quoted market prices of comparable instruments or the use of discounted cash flow analyses.
 
Loans Held for Sale.
 
Fair values of mortgage loans held for sale are based on commitments on hand from investors or prevailing market prices. These loans are classified within level 3 of the fair value hierarchy.
 
Loans, net.
 
Market values are computed present values using net present value formulas. The present value is the sum of the present value of all projected cash flows on an item at a specified discount rate. The discount rate is set as an appropriate rate index, plus or minus an appropriate spread. These loans are classified within level 3 of the fair value hierarchy.
 
Impaired loans
 
Fair value of impaired loans is measured by either the fair value of the collateral if the loan is collateral dependent (Level 2 or Level 3), or the present value of expected future cash flows, discounted at the loan's effective interest rate (Level 3). Fair value of the collateral is determined by appraisals or by independent valuation.
 
-101-
Accrued interest receivable.
 
The carrying amount of accrued interest receivable approximates its fair value.
 
Deposits.
 
Market values are actually computed present values using net present value formulas. The present value is the sum of the present value of all projected cash flows on an item at a specified discount rate. The discount rate is set as an appropriate rate index, plus or minus an appropriate spread. Deposits are classified within level 3 of the fair value hierarchy.
 
Accrued interest payable.
 
The carrying amount of accrued interest payable approximates its fair value.
 
Borrowings.
 
The carrying amount of federal funds purchased and other short-term borrowings approximate their fair values. The fair value of First Guaranty's long-term borrowings is computed using net present value formulas. The present value is the sum of the present value of all projected cash flows on an item at a specified discount rate. The discount rate is set as an appropriate rate index, plus or minus an appropriate spread. Borrowings are classified within level 3 of the fair value hierarchy.
 
Other Unrecognized Financial Instruments.
 
The fair value of commitments to extend credit is estimated using the fees charged to enter into similar legally binding agreements, taking into account the remaining terms of the agreements and customers' credit ratings. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. Noninterest-bearing deposits are held at cost. The fair values of letters of credit are based on fees charged for similar agreements or on estimated cost to terminate them or otherwise settle the obligations with the counterparties at the reporting date. At December 31, 2015 and 2014 the fair value of guarantees under commercial and standby letters of credit was not material.
 
The estimated fair values and carrying values of the financial instruments at December 31, 2015 and 2014 are presented in the following table:
  December 31,  
 
2015
  
2014
  
(in thousands)
Carrying Value
  
Estimated Fair Value
  
Carrying Value
  
Estimated Fair Value
  
Assets
                
Cash and cash equivalents
$
37,272
  
$
37,272
  
$
44,575
  
$
44,575
  
Securities, available for sale
 $
376,369
   $
376,369
   $
499,808
   $
499,808
  
Securities, held to maturity
 $
169,752
   $
168,148
   $
141,795
   $
139,688
  
Federal Home Loan Bank stock
 $
935
   $
935
   $
1,621
   $
1,621
  
Loans, net
 $
832,168
   $
831,731
   $
781,216
   $
780,470
  
Accrued interest receivable
 $
6,015
   $
6,015
   $
6,384
   $
6,384
  
                         
Liabilities
                        
Deposits
$
1,295,870
  
$
1,296,468
  
$
1,371,839
  
$
1,373,537
  
Borrowings
 $
27,624
   $
27,624
   $
3,255
   $
3,255
  
Junior subordinated debentures $ 14,597   $ 14,597   $ -   $ -  
Accrued interest payable
 $
1,707
   $
1,707
   $
1,997
   $
1,997
   
 
There is no material difference between the contract amount and the estimated fair value of off-balance sheet items that are primarily comprised of short-term unfunded loan commitments that are generally at market prices.
 
-102-
Note 22.  Concentrations of Credit and Other Risks
    
First Guaranty monitors loan portfolio concentrations by region, collateral type, loan type, and industry on a monthly basis and has established maximum thresholds as a percentage of its capital to ensure that the desired mix and diversification of its loan portfolio is achieved. First Guaranty is compliant with the established thresholds as of December 31, 2015. Personal, commercial and residential loans are granted to customers, most of who reside in northern and southern areas of Louisiana. Although First Guaranty has a diversified loan portfolio, significant portions of the loans are collateralized by real estate located in Tangipahoa Parish and surrounding parishes in Southeast Louisiana. Declines in the Louisiana economy could result in lower real estate values which could, under certain circumstances, result in losses to First Guaranty.
 
The distribution of commitments to extend credit approximates the distribution of loans outstanding. Commercial and standby letters of credit were granted primarily to commercial borrowers. Generally, credit is not extended in excess of $10.0 million to any single borrower or group of related borrowers.
 
Approximately 43.9% of First Guaranty's deposits are derived from local governmental agencies at December 31, 2015. These governmental depositing authorities are generally long-term customers. A number of the depositing authorities are under contractual obligation to maintain their operating funds exclusively with First Guaranty. In most cases, First Guaranty is required to pledge securities or letters of credit issued by the Federal Home Loan Bank to the depositing authorities to collateralize their deposits. Under certain circumstances, the withdrawal of all of, or a significant portion of, the deposits of one or more of the depositing authorities may result in a temporary reduction in liquidity, depending primarily on the maturities and/or classifications of the securities pledged against such deposits and the ability to replace such deposits with either new deposits or other borrowings. Public fund deposits totaled $568.7 million at December 31, 2015.
 
Note 23.  Litigation
 
    
First Guaranty is subject to various legal proceedings in the normal course of its business. It is Management’s belief that the ultimate resolution of such claims will not have a material adverse effect on First Guaranty's financial position or results of operations.
-103-
Note 24.  Condensed Parent Company Information
 
The following condensed financial information reflects the accounts and transactions of First Guaranty Bancshares, Inc. for the dates indicated:
 
First Guaranty Bancshares, Inc.
Condensed Balance Sheets
 
  December 31,  
(in thousands) 2015   2014  
Assets
        
Cash
$
16,862
  
$
723
  
Investment in bank subsidiary
  
140,518
    
138,176
  
Investment Securities (available for sale, at fair value)    80     70  
Other assets
  
3,233
    
5,129
  
Total Assets
$
160,693
  
$
144,098
  
             
Liabilities and Shareholders' Equity
            
Short-term debt           $  1,800   $ 1,800  
Senior long-term debt   25,824     2,439  
Junior subordinated debentures   14,597     -  
Other liabilities
  
248
    
276
  
Total Liabilities   42,469     4,515  
Shareholders' Equity
   118,224    
139,583
  
Total Liabilities and Shareholders' Equity
$
160,693
  
$
144,098
  
 
 
First Guaranty Bancshares, Inc.
  
Condensed Statements of Income
  
 
      December 31,  
(in thousands)   2015     2014     2013  
Operating Income            
Dividends received from bank subsidiary
   $ 9,843    
$
6,448
    
$
4,669
  
Net gains on securities     2,652       -       -  
Other income
     261       162      
90
  
Total operating income
     12,756      
6,610
      
4,759
  
                         
Operating Expenses
                        
Interest expense
     192      
130
      
115
  
Salaries & Benefits         
     172       140      
88
  
Other expenses
     766      
464
      
449
  
Total operating expenses
     1,130      
734
      
652
  
                         
Income before income tax benefit and increase in equity in undistributed earnings of subsidiary
     11,626      
5,876
      
4,107
  
Income tax benefit (expense)
     (605 )     
229
      
212
  
Income before increase in equity in undistributed earnings of subsidiary
     11,021      
6,105
      
4,319
  
Increase in equity in undistributed earnings of subsidiary
     3,484      
5,119
      
4,827
  
Net Income
     14,505       11,224      
9,146
  
Less preferred stock dividends
     (384 )     
(394
)
    
(713
)
Net income available to common shareholders
   $ 14,121    
$
10,830
    
$
8,433
  
 
-104-
 
 
First Guaranty Bancshares, Inc.
  
Condensed Statements of Cash Flows
  
 
      December 31,  
(in thousands)   2015    
2014
    
2013
  
Cash flows from operating activities:
            
Net income
   $ 14,505    
$
11,224
    
$
9,146
  
Adjustments to reconcile net income to net cash provided by operating activities:
                      
Increase in equity in undistributed earnings of subsidiary
    $ (3,484 )   
$
(5,119
)
    
(4,827
)
Gain on sale of securities  
 
(2,652
 )     
-
       -  
Net change in other liabilities
     (28 )     
55
      
2
  
Net change in other assets
     396      
(3,383
 )    
161
  
Net cash provided by operating activities
     8,737      
2,777
      
4,482
  
                         
Cash flows from investing activities:
                        
Proceeds from maturities, calls and sales of AFS securities
     4,152       -       -  
Funds Invested in AFS securities
     (10 )      (5 )     -  
Net cash provided by (used in) investing activities
     4,142      
(5
 )    
-
  
                         
Cash flows from financing activities:
                        
Proceeds from long-term debt, net of costs     24,969       2,555       -  
Repayment of long-term debt     (1,584 )      (616 )     (600 )
Proceeds from junior subordinated debentures, net of costs
     14,597      
-
    
-
Issuance of common stock, net of costs     9,344       -       -  
Redemption of preferred stock     (39,435 )      -       -  
Dividends paid
     (4,631 )     
(4,421
)
    
(4,740
)
Net cash provided by (used in) financing activities
     3,260    
(2,482
)
    
(5,340
 )
                         
Net increase (decrease) in cash and cash equivalents
     16,139      
290
      
(858
 )
Cash and cash equivalents at the beginning of the period
     723      
433
      
1,291
  
Cash and cash equivalents at the end of the period
   $ 16,862     $ 723    
$
433
  
 
 
-105-
Item 9 - Changes in and Disagreements with Accountants on Accounting and Financial Disclosure
    
There were no changes in or disagreements with accountants on accounting and financial disclosures for the year ended December 31, 2015.
 
 
Item 9A - Controls and Procedures
 
Evaluation of Disclosure Controls and Procedures
    
As of the end of the period covered by this report, an evaluation was carried out under the supervision and with the participation of First Guaranty's management, including its Chief Executive Officer (Principal Executive Officer) and its Chief Financial Officer (Principal Financial Officer), of the effectiveness of its disclosure controls and procedures (as defined in Rule 13a-15(e) under the Securities Exchange Act of 1934). Based on that evaluation, the Chief Executive Officer and the Chief Financial Officer concluded that these disclosure controls and procedures were effective.
 
For further information, see “Management’s annual report on internal control over financial reporting” below. There was no change in First Guaranty's internal control over financial reporting (as defined in Rule 13a-15(f) under the Securities Exchange Act of 1934) that occurred during the quarter ended December 31, 2015, that has materially affected, or is reasonably likely to materially affect, First Guaranty's internal control over financial reporting.
 
Management’s Annual Report on Internal Control over Financial Reporting
    
The Management of First Guaranty Bancshares, Inc. has prepared the consolidated financial statements and other information in our Annual Report in accordance with accounting principles generally accepted in the United States of America and is responsible for its accuracy. The financial statements necessarily include amounts that are based on Management’s best estimates and judgments. In meeting its responsibility, Management relies on internal accounting and related control systems. The internal control systems are designed to ensure that transactions are properly authorized and recorded in our financial records and to safeguard our assets from material loss or misuse. Such assurance cannot be absolute because of inherent limitations in any internal control system.
    
Management is responsible for establishing and maintaining the adequate internal control over financial reporting, as such term is defined in the Exchange Act Rules 13 – 15(f). Under the supervision and with the participation of Management, including our principal executive officer and principal financial officer, we conducted an evaluation of the effectiveness of internal control over financial reporting based on the framework in Internal Control – Integrated Framework(1992) issued by the Committee of Sponsoring Organizations of the Treadway Commission. This section relates to Management’s evaluation of internal control over financial reporting including controls over the preparation of the schedules equivalent to the basic financial statements and compliance with laws and regulations. Our evaluation included a review of the documentation of controls, evaluations of the design of the internal control system and tests of the effectiveness of internal controls.
    
Based on our evaluation under the framework in Internal Control – Integrated Framework, Management concluded that internal control over financial reporting was effective as of December 31, 2015.
 
This annual report does not include an attestation report of First Guaranty's independent registered public accounting firm regarding internal control over financial reporting.  Management’s report was not subject to attestation by First Guaranty's independent registered public accounting firm pursuant to the rules of the Securities and Exchange Commission that permit First Guaranty to provide only management’s report in this annual report.
 
9B - Other Information
    
None
 
 
-106-
 
Item 10 – Directors, Executive Officers and Corporate Governance
    
Pursuant to General Instruction G (3), information on directors and executive officers of the Registrant will be incorporated by reference from First Guaranty's Definitive Proxy Statement.
 
Item 11 - Executive Compensation
    
Pursuant to General Instruction G (3), information on directors and executive officers of the Registrant will be incorporated by reference from First Guaranty's Definitive Proxy Statement.
 
Item 12 - Security Ownership of Certain Beneficial Owners, Management and Related Shareholder Matters
    
Pursuant to General Instruction G (3), information on directors and executive officers of the Registrant will be incorporated by reference from First Guaranty's Definitive Proxy Statement.
 
Item 13 - Certain Relationships and Related Transactions and Director Independence
    
Pursuant to General Instruction G (3), information on directors and executive officers of the Registrant will be incorporated by reference from First Guaranty's Definitive Proxy Statement.
 
Item 14 - Principal Accountant Fees and Services
    
Pursuant to General Instruction G (3), information on directors and executive officers of the Registrant will be incorporated by reference from First Guaranty's Definitive Proxy Statement.
 
 
-107-
Part IV
Item 15 - Exhibits and Financial Statement Schedules
(a) 1
Consolidated Financial Statements
  
     
 
Item
Page
 
First Guaranty Bancshares, Inc. and Subsidiary
  
 
Report of Independent Registered Accounting Firm
52
 
Consolidated Balance Sheets - December 31, 2015 and 2014
53
 
Consolidated Statements of Income – Years Ended December 31, 2015, 2014 and 2013
54
 
Consolidated Statements of Comprehensive Income – Years Ended December 31, 2015, 2014 and 2013
 55
 
Consolidated Statements of Changes in Shareholders’ Equity -  Years Ended December 31, 2015, 2014 and 2013
56
 
Consolidated Statements of Cash Flows - Years Ended December 31, 2015, 2014 and 2013
57
 
Notes to Consolidated Financial Statements
58
     
2
Consolidated Financial Statement Schedules
  
 
All schedules to the consolidated financial statements of First Guaranty Bancshares, Inc. and its subsidiary have been omitted because they are not required under the related instructions or are inapplicable, or because the required information has been provided in the consolidated financial statements or the notes thereto.
  
     
3
Exhibits
  
 
The exhibits required by Regulation S-K are set forth in the following list and are filed either by incorporation by reference from previous filings with the Securities and Exchange Commission or by attachment to this Annual Report on Form 10-K as indicated below.
  
     
Exhibit Number
Exhibit
  
3.1
Restated Articles of Incorporation of First Guaranty Bancshares, Inc.(1)
  
3.2
Articles of Amendment to the Restated Articles of Incorporation of First Guaranty Bancshares, Inc.(2)
  
3.3
Bylaws of First Guaranty Bancshares, Inc.(3)
  
3.4 
Amendment to Bylaws of First Guaranty Bancshares, Inc.(4)
  
4.1
Form of Common Stock Certificate of First Guaranty Bancshares, Inc.(5)
  
4.2
Subordinated Note, dated as of December 21, 2015, by and between First Guaranty Bancshares, Inc. and Edgar Ray Smith, III. (6)
  
10.1
Subordinated Note Purchase Agreement, dated as of December 21, 2015, by and between First Guaranty Bancshares, Inc. and Edgar Ray Smith, III. (7)
  
10.2
Loan Agreement, dated as of December 22, 2015, by and between First Guaranty Bancshares, Inc. and First Tennessee Bank National Association. (8)
  
10.3 
Pledge and Security Agreement, dated as of December 22, 2015, by and between First Guaranty Bancshares, Inc. and First Tennessee Bank National Association. (9)
  
10.4
Term Note, dated as of December 22, 2015, by and between First Guaranty Bancshares, Inc. and First Tennessee Bank National Association. (10)
  
14.3
First Guaranty Bancshares, Inc. and Subsidiary Code of Conduct and Ethics for Employees, Officers and Directors.
  
14.4
First Guaranty Bancshares, Inc. Code of Ethics for Senior Financial Officers.
  
21
Subsidiaries of the First Guaranty Bancshares, Inc.(11)
 
31.1
Certification of principal executive officer pursuant to Exchange Act Rule 13(a)-15(e) pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
  
31.2
Certification of principal financial officer pursuant to Exchange Act Rule 13(a)-15(e) pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
  
32.1
Certification of principal executive officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
  
32.2
Certification of principal financial officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
  
101.SCH XBRL Taxonomy Extension Schema.  
101.CAL XBRL Taxonomy Extension Calculation Linkbase.  
101.DEF XBRL Taxonomy Extension Definition Linkbase.  
101.PRE XBRL Taxonomy Extension Presentation Linkbase.  
101.LAB XBRL Taxonomy Extension Label Linkbase.  
101.INS XBRL Instance Document  
(1)Incorporated by reference to Exhibit 3.1 of the Current Report on Form 8-K12G3 filed by First Guaranty Bancshares, Inc. with the Securities and Exchange Commission on August 2, 2007. 
(2)Incorporated by reference to Exhibit 3.1 of the Current Report on Form 8-K filed by First Guaranty Bancshares, Inc. with the Securities and Exchange Commission on September 23, 2011. 
(3)Incorporated by reference to Exhibit 3.2 of the Current Report on Form 8-K12G3 filed by First Guaranty Bancshares, Inc. with the Securities and Exchange Commission on August 2, 2007. 
(4)Incorporated by reference to Exhibit 3.3 of the Current Report on Form 8-K12G3 filed by First Guaranty Bancshares, Inc. with the Securities and Exchange Commission on August 2, 2007. 
(5)Incorporated by reference to Exhibit 4 of the Current Report on Form 8-K12G3 filed by First Guaranty Bancshares, Inc. with the Securities and Exchange Commission on August 2, 2007. 
(6)Incorporated by reference to Exhibit 4.1 of the Current Report on Form 8-K filed by First Guaranty Bancshares, Inc. with the Securities and Exchange Commission on December 23, 2015.
(7)Incorporated by reference to Exhibit 10.1 of the Current Report on Form 8-K filed by First Guaranty Bancshares, Inc. with the Securities and Exchange Commission on December 23, 2015.
(8)Incorporated by reference to Exhibit 10.2 of the Current Report on Form 8-K filed by First Guaranty Bancshares, Inc. with the Securities and Exchange Commission on December 23, 2015.
(9)Incorporated by reference to Exhibit 10.3 of the Current Report on Form 8-K filed by First Guaranty Bancshares, Inc. with the Securities and Exchange Commission on December 23, 2015.
(10)Incorporated by reference to Exhibit 10.4 of the Current Report on Form 8-K filed by First Guaranty Bancshares, Inc. with the Securities and Exchange Commission on December 23, 2015.
(11)Incorporated by reference to Exhibit 21 of the Registration statement on Form S-1 filed by First Guaranty Bancshares, Inc. with the Securities and Exchange Commission on October 24, 2014. 
 
-108-
 
SIGNATURES
 
Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, First Guaranty has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
 
FIRST GUARANTY BANCSHARES, INC.
 
Dated: March 28, 2016
 
 
Pursuant to the requirements of the Securities and Exchange Act of 1934, this report has been signed below by the following persons on behalf of First Guaranty and in the capacities and on the dates indicated.
 
 
 /s/ Alton B. Lewis
President,
Chief Executive Officer and
Director
(Principal Executive Officer)
March 28, 2016
     
     
/s/ Eric J. Dosch
Chief Financial Officer,
Secretary and Treasurer
(Principal Financial and Accounting Officer)
March 28, 2016
     
     
/s/ Marshall T. Reynolds
         Marshall T. Reynolds    
Chairman of the Board
March 28, 2016
     
     
/s/ William K. Hood
     William K. Hood
Director
March 28, 2016
     
     
 /s/ Glenda B. Glover
     Glenda B. Glover
 Director
 March 28, 2016
     
/s/ Edgar R. Smith, III
     Edgar R. Smith, III
  Director March 28, 2016
     
 
 
 
-109-
 EX-14.3 2 codeofconductandethics.htm CODE OF CONDUCT AND ETHICS codeofconductandethics.htm
 

FIRST GUARANTY BANCSHARES, INC. AND SUBSIDIARY
CODE OF CONDUCT AND ETHICS
FOR
EMPLOYEES, OFFICERS AND DIRECTORS


Adherence to the Highest Ethical Standards
 
First Guaranty Bancshares, Inc. and its consolidated subsidiary (the “Company”) are committed to the highest ethical standards in the conduct of our business.  Honesty, integrity, and trust are essential to our reputation with our customers, employees, and the communities we serve.  They are also essential to our ability to attract and retain customers and grow our business.  Users of our services must be able to do so with complete confidence in the integrity of those with whom they deal.
 
Although this Code of Conduct and Ethics (the “Code”) does not cover every ethical issue that may arise, it sets out basic principles to guide our employees, officers and directors.
 
Each of our employees, officers, and directors must read, understand and adhere to this Code, and conduct themselves accordingly, avoiding even the appearance of any impropriety.
 
In the event an applicable law, regulation, or regulatory rule conflicts with this Code, such law, regulation, or regulatory rule shall take precedence.  However, if a local custom or policy conflicts with this Code, this Code takes precedence.  We will have more detailed policies covering certain topics in this Code, as deemed necessary.  You are expected to comply both with this Code and any other policies, operating rules and procedures set forth in the applicable policies or department or branch manuals.  If you have any questions about compliance with policy, or possible conflicts between policies, you should seek guidance from your manager or Human Resources.  Violations of the standards set forth in this Code will be subject to disciplinary action.  If you are in a situation which you believe may lead to a violation of this Code, please follow the guidelines described in the section entitled “Prompt Confidential Reporting of Code Violations.”
 
Our Basic Ethical Principles
 
Honesty.  Our business is based on mutual trust and absolute honesty in all our dealings whether internally or externally.  We must adhere to and demonstrate this principle at all times in both our personal and corporate behavior.
 
Integrity.  Our business creates opportunities that can be realized only if we demonstrate the integrity of the Company, as well as the integrity of our personnel.  We therefore use corporate assets, including our name, with the care befitting a valuable resource.
 
Respect.  We treat one another with respect and dignity, and we respect the diversity of our workforce, our customers, and our communities.
 


Responsibility.  We are accountable for our actions and we ask for clarification when necessary, and are responsible for reporting concerns or observed violations of the Code.
 
Good Citizenship.  We comply with both the intent and spirit of laws that govern our business and the community, thereby contributing to the strength and well being of our constituent customers and communities we serve.
 
Compliance with Laws, Rules, and Regulations
 
Employees should become familiar with all laws and regulations applicable to the Company, as such laws and regulations relate to daily work requirements and professional responsibilities.  Each of these and other laws and regulations are addressed in our various policies and procedures which are available to employees.  Therefore, all of our employees, officers, and directors are required to carry out their responsibilities in accordance with applicable laws, regulations, and policy, including all applicable federal and state criminal laws governing fraud, bribery, embezzlement, conversion, and conflicts of interest.  They also must conduct their business affairs consistent with applicable safety and soundness standards and Code requirements.  Everyone is expected to have sufficient knowledge of applicable laws and regulations that relate to their duties, and should know when to seek guidance from higher authority.  It is imperative to follow operating rules and procedures covered in applicable department or branch manuals, and to use the proper Company or First Guaranty Bank forms, which have been prepared with legal requirements in mind.
 
Accurate Record Keeping and Accounting.  We require honest and accurate recording and reporting of financial and other information both to make responsible business decisions, and to provide accurate reporting of our performance to regulators, depositors, and employees.  We require full, fair, accurate, timely, and understandable disclosure in all reports and documents we file with, or submit to the regulators, and in other material public communications.  It is a violation of law and our policy for any employee to attempt to improperly influence or mislead the financial reporting process or our accountants who audit our financial statements.  Our financial and other reporting must fairly present the financial condition, results of operations and cash flow of the Company, and it must comply in all material respects with applicable law, governmental rules and regulations, including generally accepted accounting principles and applicable rules of banking regulators.
 
We have implemented disclosure controls and procedures to ensure that our public disclosures are timely, comply with laws and regulations, and are otherwise fair, accurate, and understandable.  Employees responsible for the preparation of our public disclosures, or who provide information as part of that process, have a responsibility to ensure that such disclosures and information are complete, accurate and comply with our Company’s disclosure controls and procedures.
 
Document Retention and Destruction.  Employees and directors must fully comply with our document retention and destruction policy.  In addition, once a legal proceeding has begun (or when one is threatened or reasonably likely), federal and state obstruction-of-justice statutes require us to preserve documents relevant to the issues in that proceeding even before specific documents are requested.  Any employee, officer, or director, who fails to comply with this policy, as well as industry regulations and state and federal laws, is subject to termination or removal and may also face criminal or civil prosecution, with possible fines and prison terms.
 
Confidentiality of Information.  Employees, officers and directors who have access to confidential information are not permitted to use or share that information for any purpose except the conduct of our business.  Non-public information regarding the Company, or our customers, is confidential and should be safeguarded appropriately.  Any use of non-public information for personal financial benefit or to “tip” others who might make an investment choice based on this information is both unethical and illegal.  Please consult the Company’s Compliance Department for further details on this topic.
 
Regulatory Agencies, Auditors, and Counsel
 
Honesty, candor, and cooperation are required in dealing with our independent and internal auditors, and attorneys.  Any request by regulatory or governmental agencies for information, which is not incidental to periodic bank and holding company examinations and required reports, should be referred to the Compliance Department.
 
Competition and Fair Dealing
 
Competition requires fair dealing with customers, competitors, suppliers, and fellow employees.  We compete based on achieving advantage in the marketplace through superior service, competitive interest rates, and ethical business practices.  Accordingly, it is against our policy to attempt to win or keep business relationships based on unethical or illegal activities.
 
Employees must not attempt to obtain unfair advantage over competitors, customers, suppliers, or fellow employees through manipulation, abuse of privileged information, misrepresentation of material facts, or any other unfair-dealing practice.
 
Anti-Competitive Activities.  Federal and state law prohibits any combination, conspiracy, or agreement among competitors to restrict or prevent competition.  Violations can occur through both formal and informal agreements between the Company and a competitor to fix prices, allocate markets or customers, or refuse to deal with particular suppliers or customers.
 
All employees should be especially careful at social or professional meetings to avoid discussions or exchanges of information relating to competitive matters (i.e., cost, pricing, or strategy).
 
Employees with questions concerning any such antitrust issues should be directed to the Compliance Officer.
 
Vendors.  Employees who select or work with vendors for the Company are required to be objective and fair and employ professional business practices when selecting sources, in negotiations, in awarding business, and in the administration of purchasing activities.  Although we expect employees to strive for good relationships with suppliers, it is wrong to create even the impression that a supplier has a “friend” at the Company and can therefore exert special influence.
 
Safeguarding and Proper Use of Our Assets
 
Our employees, officers and directors are bound by this Code to protect our assets, ensuring they are used only for legitimate business purposes.  Such assets include, but are not limited to, capital, facilities, equipment, proprietary information, technology, business plans, ideas for new products and services, trade secrets, inventions, copyrightable materials and customer lists.
 
Corporate Funds.  Employees entrusted with the Company’s funds are personally responsible for the handling of those funds.
 
Physical Assets.  Employees entrusted with use of our physical assets (such as computer equipment, corporate charge cards, telephones and office supplies) must protect them from loss, damage, misuse or theft.  These assets should be used only to conduct our business and for purposes authorized by management.
 
Information Technology.  Our information systems, such as Internet access, e-mail and software programs are vital to conducting our business and, accordingly, are to be used only for business purposes.  Using the Internet for non-business purposes is inappropriate.  Visiting sites with sexual or hate content as well as gambling-related sites is strictly prohibited.
 
All data stored in the computer system, such as data files or word processing documents, must be treated as proprietary information.  Our technology policy sets the standards relating to the use and protection of computer and information assets, and employees must adhere to this policy.
 
Conflicts of Interest
 
Employees, officers and directors are expected to make business decisions on behalf of the Company free from conflicting outside interests.  It is a violation of this Code and of our policies to foster personal or business interests (or those of others with whom such persons have a personal or business relationship) at the expense of the Company.
 
Although it is impossible to cover every potential conflict of interest situation, a potential conflict exists whenever an employee, officer, or director of the Company has an outside interest, direct or indirect, which conflicts with their duty to the Company or adversely affects their judgment in the discharge of their responsibilities to the Company.
 
Examples of conflicts of interest include receiving money or other benefits from a third party in return for the Company granting a loan to or purchasing property or services from such third party, and advocating a transaction between the Company and another entity in which such person owns stock or otherwise stands to benefit from the transaction at the expense of the Company.
 
The appearance of a conflict of interest may be just as damaging to our reputation as a real conflict of interest and may be difficult to discern.  Our employees, officers and directors are expected to objectively assess their actions periodically to determine whether a reasonable, disinterested observer, a customer, a supplier, a shareholder, an acquaintance, or a government official would have grounds to believe a conflict of interest exists.
 
Giving and Receiving Gifts.  Employees, officers and directors or their close family members should not accept any gift, regardless of its value, that might appear to compromise independent business judgment.  Neither should employees, officers or directors give a gift to a customer, vendor, or prospect that might appear to be an attempt to influence them.  Gifts include cash, material goods, services, promotional premiums, knowingly accepting a discount, and receipt of a loan.
 
When the value of the gift is appropriate to an occasion (e.g., holidays), and permitted by law, non-cash gifts may be accepted from, or provided to, customers or suppliers, provided they are valued at $100 or less.  Any gift received over such amount should be politely returned or approval from the Chief Executive Officer obtained prior to acceptance.  Gifts are permitted under this policy in the following circumstances:
 
·
Gifts of reasonable value based on a family or personal relationship where that relationship is the obvious motivating factor for the gift;
 
·
Discounts or rebates on merchandise or services that do not exceed those available to other customers of the merchant;
 
·
Awards for recognition of service or accomplishments from civic, charitable, educational, or religious organizations.
 
GIFTS OR GRATUITIES TO GOVERNMENT OFFICIALS ARE INAPPROPRIATE, POSSIBLY ILLEGAL AND ARE STRICTLY PROHIBITED.
 
Business Functions and Entertaining.  Meals, refreshments, entertainment, accommodation, or travel arrangements of a reasonable value may be accepted if they are provided in the course of a meeting or occasion, the purpose of which is to hold bona fide business discussions or to foster better relations, and provided that the expense would be paid for by the Company if not paid for by another party.
 
Customary and reasonable business and related development practices, consisting of appropriate entertainment events, including meals, are not prohibited by this Code.  Such activities are prohibited if they are or may appear to be lavish.  Frequent entertaining could appear to influence the judgment of the person being entertained.  The purchase of tickets to fundraising events sponsored by non-profit organizations is considered a “normal business practice.”
 
Invitations received by employees and officers that may seem inappropriate should be discussed with the Executive Vice President responsible for your functional area prior to acceptance.  In matters involving Executive Vice Presidents or above, such invitations should be discussed with the Chief Executive Officer prior to acceptance.  Invitations involving the Chief Executive Officer or a director should be discussed with the Chair of the Nominating and Corporate Governance Committee.
 
Relationships with Outside Interests.  Employees, officers and directors must avoid conflicts and the appearance of conflicts between personal interests and the interests of the Company.  Employees, officers, and directors may own securities (e.g., debt or stock) in entities who are competitors or customers, without providing immediate notification to the Company.  Employees, officers and directors must not act on behalf of the Company in any transaction involving persons or organizations with which you, or a family member, have any personal, financial, or residual interest without first providing written disclosure of such interest to the CEO, or the Board, as applicable.  A family member includes a person’s spouse, parents, children, siblings, mothers and fathers-in-law, sons and daughters-in-law, and brothers and sisters-in-law.  The CEO or Board, as applicable, will review any personal disclosures and make a recusal determination promptly and will advise you if additional actions must be taken.Additionally, you must recuse yourself from any decision making process when you believe you or your family’s personal, financial, or residual interest presents a conflict or is sufficient that a conflict could be perceived.  Such recusal shall be clearly documented in the minutes of any meeting at which the conflict or appearance of conflict is discussed.

Relationships, other than normal and customary relationships at prevailing terms that an employee, officer or director may have with Company suppliers (for example, home improvement services, security firms, attorneys, lawn services, or automobile repair shops)  should always be disclosed in writing to Human Resources prior to its commencement, and must be approved in writing in advance. 

Employees and officers who serve in a “financial oversight role” are not permitted to receive any tax services from the Company’s independent auditors.  The prohibition extends to the employee or officer’s Immediate Family Members.  Immediate Family Member is defined as “spouse, spousal equivalent, or dependents.”  The characteristic that identifies a “financial reporting role” is the ability to exercise influence over the contents of the financial statements of the Company or anyone who prepares them.  The following roles are among those that meet the criterion: chief executive officer; president; chief financial officer; chief operating officer; general counsel, chief accounting officer; controller; director of internal audit; director of financial reporting, treasurer, and director of internal controls compliance.
 
Tax services to a board member are permitted provided the Board member does not also function in any of the other financial reporting oversight roles noted immediately above.
 
Secondary Employment.  We do not prohibit other employment; however, full time employees are expected to devote their complete attention and energy to their duties.  Employees must notify their immediate supervisor and the Human Resource Officer prior to accepting any outside employment.  Officers holding the title of Senior Vice President or higher (“Executive Officer”) must notify the Chief Executive Officer.  Outside employment will not be approved which might subject the Company to criticism or which would encroach on working time, interfere with regular duties, or otherwise affect an individual's effectiveness.
 
Employees are prohibited from outside employment that may appear to create a conflict of interest.  This section should not be construed as prohibiting or discouraging an employee from serving as a volunteer at a non-profit organization.
 
Examples include:
 
·  
Engaging in any activity that competes with the Company.
 
·  
Employment which involves the use of our equipment, supplies, or facilities.
 
·  
Employment which involves the preparation, audit or certification of financial statements, tax returns, or other documents upon which we may rely for lending or other decisions.  Senior Managers and employees who prepare income tax returns for individuals or entities other than themselves must obtain confirmation that the customer does not intend to use the officer's or employee's work product as part of any transaction with the Company.
 
·  
Employment which involves giving investment, legal or other advice, or exercising judgment which is based upon information, reports, or analyses that are accessible from the Company.
 
·  
Employment which may reflect adversely on the officer, employee, or the Company.
 
·  
Employment under circumstances which may suggest the sponsorship or support of the Company on behalf of the outside employer or an outside organization.
 
·  
Employment as an insurance or securities broker, agent or representative.
 
·  
Employment as a real estate salesman, broker, agent, or contractor, (except with the prior written approval of Chief Executive Officer).
 
Confidentiality and Privacy
 
Nonpublic Information.  Employees are required to maintain the confidentiality of information entrusted to them by the Company and provided by our customers and vendors.  Confidential information includes all non-public information that might be of use to competitors, or harmful to us or to our customers, if disclosed.  It also includes non-public information about our financial condition, results of operations, business operations, and future prospects.  All employees must exercise care not to misuse nonpublic information obtained during their employment, including customer lists, information about our personnel and customers, and business plans and ideas.  The obligation to preserve confidential information continues even after employment ends.
 
The obligation to maintain the confidentiality of information may be subject to legal or regulatory requirements to disclose that information.  Discuss your concerns with your manager or Human Resource Officer if you have any questions regarding what constitutes confidential information or when such information must be disclosed.
 
Customer Information Privacy.  We protect the confidentiality and security of customer information.  The Company has a policy governing Customer Information Privacy and such policy should be referenced for more detailed information.  Our Privacy Policy for customer information provides, among other things, that:
 
·  
We do not sell or rent customers’ personal information.
 
·  
We do not release customer information to third parties, except upon a customer’s authorization or when required by law.  Employees may not discuss the business affairs of any customer with any other person, except on a strict need-to-know basis
 
·  
Third-Party service providers and vendors with access to customer information are required to keep customer information confidential and use it only to provide services to or for the Company.
 
Our People
 
We are committed to treating everyone with respect and dignity.  Hostility, harassment, or unwelcome sexual advances are offensive and are not tolerated.  We will strive to provide a safe and secure work environment, and to respect and protect the personal information of our employees, officers and directors.
 
Equal Opportunity.  We are an equal opportunity employer, committed to ensuring that our workplace is free from discrimination.  As such, we will recruit, hire, train, and promote individuals in accordance with all applicable laws and regulations, without regard to a person’s race, color, creed, religion, age, gender, national origin, citizenship status, marital status, sexual orientation, disability, veteran status, or other category protected by federal, state, or local law.
 
Harassment-Free Work Environment.  One objective of this Code is to discourage unprofessional behavior that compromises trust, the quality of the work environment, or the integrity of decision-making.  We prohibit behavior that harasses an employee, officer or director, or customer on the basis of race, color, creed, religion, age, gender, national origin, citizenship status, marital status, sexual orientation, disability, veteran status, or other category protected by federal, state, or local law.  Forms of such harassment can include physical, verbal, and nonverbal behavior that harasses, disrupts, or interferes with work performance or in any way creates or contributes to an intimidating, hostile, or offensive work environment.  This behavior includes, by way of example only, off-color jokes, threats, and derogatory e-mails or drawings.
 
Similarly, favoritism, belittling others, and verbal outrages undermine the dignity and respect due to all employees, officers and directors.
 
Sexual harassment is one form of conduct that undermines the integrity of the employment relationship.  For purposes of this policy, sexual harassment is defined as sexual behavior that is unwelcome, is personally offensive, or creates a hostile, intimidating, or offensive work environment.  We will not tolerate sexual harassment of applicants for employment, employees, officers or directors by anyone-employees, officers, directors, vendors, or customers.  For additional information, contact your Human Resource Officer.
 
Health and Safety.  Providing a safe and secure work environment is fundamental.  Employees, officers and directors are responsible for complying with applicable health and safety rules.  Accordingly, each person should take appropriate measures to protect his or her physical security and observe safe and responsible work practices, such as adhering to local building access security procedures, promptly reporting to management any job-related injury or illness, and following security guidelines.  Moreover, violence or threats of violence by any employee against any other employee will not be tolerated.  Likewise, weapons of any kind must never be brought to our offices or customer locations.
 
Substance Abuse.  Being under the influence of alcohol or illegal drugs or improperly using medicines can diminish one’s ability to do his or her job, and can compromise the safety of others.  You should not work in an impaired state or allow substances to interfere with the safety or productivity of those around you.  This policy also prohibits the unlawful manufacture, distribution, dispensing, possession, or use of a controlled substance on the Company’s premises, in our vehicles, or while conducting Company business.
 
Code of Conduct and Ethics Administration
 
(Procedures for receipt, retention, and treatment of complaints received.)
 
Administration Responsibility.  The Human Resource Director is responsible for administering this Code and enforcing the Code for employees and officers.  The Audit Committee is responsible for enforcing the Code for senior officers and directors.  The Human Resource Director is responsible for conducting Code-related training, maintaining all Code-related records and investigating and resolving all Code-related matters.
 
Responsibility to Report Code-Related Matters.  All persons subject to the Code must report Code-related matters in accordance with the following procedures: Officers and employees must promptly make reports of any Code-related matters to their immediate supervisor and simultaneously to the Human Resource Officer.  Supervisors receiving such reports must promptly advise the Human Resource Officer, even when the Human Resource Officer has already been advised.  Directors shall promptly make reports of any Code-related matters to the Chief Executive Officer, the Corporate Secretary, or the Chair of the Audit Committee.
 
Permissible Transactions with the Company and Other Matters Not Involving a Code Violation.  The Human Resource Officer shall promptly review all reports of Code-related matters.  The Human Resource Officer shall confer with the appropriate officers to determine if the requested transaction or other matter complies with all applicable laws, regulations, and policies.  If deemed necessary by the Human Resource Officer, the Human Resource Officer shall seek the advice of our legal counsel.  The Human Resource Officer or his or her designee shall promptly advise the filer of the request as to our determination.
 
Investigation and Resolution of All Code Violations.  The Human Resource Officer (or designee approved by the Board of Directors) shall promptly investigate all violations or alleged violations of any provision of the Code.  Concerns regarding internal accounting controls, questionable accounting or auditing matters that have been reported to the Human Resource Officer should be forwarded by the Human Resource Officer to the Chair of the Auditing Committee.  Any violation or alleged violation of the Code is referred to as a “Code Violation.”
 
When appropriate, the Human Resource Officer shall promptly report any Code Violation to the Chief Executive Officer with recommendations for resolution, in accordance with the investigation and referral procedures described herein.  The Chair of the Audit Committee should be informed of the violation and the response planned or executed.
 
We will take appropriate action to resolve Code violations.  Such resolutions may involve disciplinary actions or other sanctions including termination of employment or dismissal.  We will take all reasonable steps to respond to any offense and prevent its recurrence.
 
The procedure for making such a report is as follows:
 
Prompt Confidential Reporting of Code Violations.  Any employee, officer or director who becomes aware of a violation or alleged violation of any provision of this Code, including concerns regarding internal accounting controls, questionable accounting or auditing matters (any such violation or alleged violation of the Code is referred to as “Code Violation”), shall promptly report such violation.  To encourage employees to fulfill their obligations under this Code, established procedures under which any employee, officer, or director suspecting that a Code Violation has been or is being committed, may report the facts in a manner that will safeguard the person’s identity to the fullest extent practicable and protect the reporting person against retribution.  The procedure for making such a report is as follows:
 
1.
Any employee or officer  who becomes aware of a past or present Code Violation is required to promptly report the facts and circumstances to his or her immediate supervisor, and simultaneously to the Human Resource Officer.  Once the supervisor has been advised of a Code Violation, the supervisor is required to promptly confirm the matter with the Human Resource Officer.  Directors should contact the Chief Executive Officer, the Corporate Secretary, or the Chair of the Audit Committee.  The Audit Committee of the Board of Directors in particular will be notified promptly about any Code Violation regarding accounting or auditing matters as well as the full board at its next regular meeting unless, in the judgment of the CEO, the matter needs to be addressed sooner.
 
2.
An investigation into the reported Code Violation will be conducted promptly by the Human Resource Officer in consultation with the Chief Executive Officer or Audit Committee, as appropriate.  Facts and circumstances in the report will be reported so as to protect, to the greatest extent possible, the anonymity of the reporting person.
 
3.
If the Human Resource Officer and the Chief Executive Officer are not able to promptly resolve the Code Violation to their mutual satisfaction, the Human Resource Officer and the Chief Executive Officer shall promptly confer with the Audit Committee of the Board of Directors to resolve the Code Violation consistent with this Code and applicable laws and regulations.
 
4.
Illegal or criminal conduct will also be reported to our primary regulators and any law enforcement agencies with jurisdiction consistent with confidentiality and the protection of applicable privacy privileges.  We will cooperate fully with such authorities in their prosecution of parties responsible for impermissible, illegal, or criminal conduct.
 
5.
In the event of legal proceedings, the reporting person(s) may be deposed, interviewed, and asked to testify, just as any other person having knowledge of the relevant facts and circumstances would be.  We will seek to protect the identity of the reporting person to the greatest extent practicable.
 
Employees, officers and directors may also make reference to the Company’s Policy for Whistleblowing Procedures for further guidance regarding confidential reporting procedures.
 
Employees, officers or directors who willfully fail to report a Code Violation or who fail to cooperate in an investigation of a Code Violation will be subject to disciplinary action, possibly including termination of employment, or in the case of a director, dismissal from the Board.
 
Request for Waivers.  A waiver of a provision of the Code shall be requested whenever there is a question whether any contemplated action will violate the Code.  It is anticipated that waivers will be granted only under exceptional or limited circumstances.
 
The procedure for requesting a waiver is to seek approval from:
 
1.
The Audit Committee of the Board - if the waiver sought relates to any executive officer (title of Senior Vice President or higher), and any Senior Financial Officer (CEO, CFO and all Accounting, Audit and/or Compliance officers, with the title of Vice President or higher).
 
2.
The Human Resource Officer - if the waiver sought relates to any other employee.  The determination shall be made by the employee’s immediate supervisor, in consultation with the Human Resource Officer unless such request is quantitatively or qualitatively material or outside the ordinary course of business, in which case such determination shall be made by the Audit Committee.
 
3.
The decision with respect to the waiver request shall be documented and forwarded to the Human Resource Officer for filing and retention, with a copy to the Audit Committee of the Board of Directors.
 
4.
All waivers of the Code shall be reported promptly by the Audit Committee or Human Resource Officer, as applicable, to the Board of Directors.
 
5.
Waivers shall be publicly disclosed on a timely basis as determined by the Board of Directors in consultation with the Compliance Officer and/or legal counsel.
 
Sanctions for Code Violations.  Failure to comply with the policies in this Code will result in disciplinary action, ranging from a reprimand to dismissal or removal and possible civil and criminal prosecution.  Disciplinary actions will be pursued against all of the following: (a) any director, officer or employee violating this Code; (b) any director, officer or employee deliberately withholding information regarding a Code Violation; (c) the manager or supervisor of a person who has committed an act under (a) or (b), in circumstances where such violation reflected poor supervision or lack of diligence; and (d) any director, officer or employee who retaliates, directly or indirectly, against any employee who reports a suspected Code Violation. In addition, Code Violations may expose the offending employee, officer, or director and the Company to monetary damages, regulatory penalties, and criminal sanctions.  We will ensure that all disciplinary actions taken to enforce this Code are applied consistently and in accordance with all applicable laws and regulations.
 
Retention.  Reports documenting completed investigations will be confidentially maintained for no less than one year.
 


Your Personal Commitment to Our Code of Conduct and Ethics
 
All employees, officers and directors of the Company or First Guaranty Bank, are responsible for reading, understanding, and complying with the standards outlined in this Code.
 
Employees, officer, and directors are required to affirmatively acknowledge receipt, understanding, and compliance with this Code.
 
I acknowledge that I have received and will comply with the Code of Conduct and Ethics for Employees, Officer, and Directors.  I understand and agree that the Code of Conduct and Ethics is not an employment contract between the Company or First Guaranty Bank and me.
 
I understand that if I have questions related to the standards of the Code of Conduct and Ethics, I am to discuss them promptly with my Manager (Branch or Department), Senior Management, Human Resource Officer, or the Compliance Officer.
 

 
Sign here:                                
 

 
Print:                 /                                                      /                      
 
              Name                                                                                    Title                                                  Date
 

 

 

 

 

 

 


 EX-14.4 3 codeofethicsforsenior.htm CODE OF ETHICS FOR SENIOR FINANCIAL OFFICERS codeofethicsforsenior.htm
 
 
 
FIRST GUARANTY BANCSHARES, INC. AND SUBSIDIARY

CODE OF ETHICS FOR SENIOR FINANCIAL OFFICERS

A.           INTRODUCTION

This “Code of Ethics for Senior Financial Officers” (“Code”) was approved and adopted by the Board of Directors of First Guaranty Bancshares, Inc. (the “Company”). Its purpose is to ensure that the Company’s Senior Financial Officers are committed to the highest standards of integrity and professionalism when conducting and reporting the financial affairs of the Company.  This Code, the text of which is posted on the Company’s Internet Web site at www.fgb.net, supplements the Company’s corporate-wide Code of Ethics that applies to all directors, officers and employees of the Company.
 
For the purposes of this Code, the term “Senior Financial Officer” includes each of the following officers of the Company:
•
Chief Executive Officer
•
Chief Financial Officer
•
All Executive Officers


B.           STANDARDS OF CONDUCT
 
Each Senior Financial Officer of the Company shall be bound by the following standards of integrity and professionalism when conducting and reporting the Company’s financial affairs:
•           Honest and Ethical Conduct
 
Each Senior Financial Officer shall engage in honest and ethical conduct,  the ethical handling of actual or apparent conflicts of interest between his or her personal and professional relationships.

•           Full Disclosure
 
Each Senior Financial Officer shall, to the best of their knowledge and ability, promote full, fair, accurate, timely and understandable disclosures in reports and documents that the Company files with or submits to the Securities and Exchange Commission (“SEC”), to other regulatory agencies, and in other public communications made by the Company.

•           Compliance with Laws, Rules and Regulations
 
Each Senior Financial Officer shall, to the best of their knowledge and ability, promote full compliance with applicable governmental laws, rules and regulations.
 
•           Reporting of Code Violations
 
Each Senior Financial Officer shall promptly report any known or suspected violation of this Code to the Company’s Audit Committee of the Board using the confidential “whistleblower” procedures established by the Bank for reporting questionable accounting or auditing practices or other significant business concerns.  Where possible and appropriate, the identity of any person who reports a known or suspected violation of this Code as provided herein will be kept anonymous.  The Company prohibits retaliation of any kind against individuals who make good-faith reports of ethical violations or other known or suspected illegal conduct.
 
•           Accountability

Each Senior Financial Officer shall be held accountable for adherence to this Code.

C.           AMENDMENTS TO OR WAIVERS OF THIS CODE
 
Any amendment to or waiver of this Code must be approved by the Company’s Board of Directors.  A “waiver of this Code” is defined as a material departure from a provision of this Code.  As a general rule, a waiver of this Code will not be approved unless necessary and warranted.  The Company will disclose any amendment to or waiver of this Code in the manner required by then-applicable law, rule or listing standard.





 

First Guaranty Bancshares, Inc.
Senior Financial Officers Code of Ethics

 

 
Your Personal Commitment to Our Code of Ethics
 
All Senior Financial Officers of the First Guaranty Bancshares, Inc. are responsible for reading, understanding, and complying with the standards outlined in this Code.
 
Senior Financial Officers are required to affirmatively acknowledge receipt, understanding, and compliance with this Code.
 
I acknowledge that I have received and will comply with the Code of Ethics for Senior Financial Officers.  I understand and agree that the Code of Ethics is not an employment contract between First Guaranty Bancshares, Inc. and me.
 

 
Sign here:                                
 

 
Print:                 /                                                      /                      
 
              Name                                                                                    Title                                                  Date
 

























 EX-31.1 4 ceo302cert.htm CEO 302 CERTIFICATION ceo302cert.htm
 
 
EXHIBIT 31.1
 
 
Certification of Chief Executive Officer
 
 
Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
 
I, Alton B. Lewis, certify that:
 

 
1.
I have reviewed this Annual Report on Form 10-K of First Guaranty Bancshares, Inc.;
 

 
2.
Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this annual 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 officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:
 

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

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

 
c)
evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
 

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

 
5.
The registrant’s other certifying officers and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):
 

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

 
b)
any fraud, whether or not material, that involves Management or other employees who have a significant role in the registrant’s internal control over financial reporting.
 
 
/s/ Alton B. Lewis
Alton B. Lewis
Chief Executive Officer
(Principal Executive Officer)
 
March 28, 2016











 

 EX-31.2 5 cfo302cert.htm CFO 302 CERTIFICATION cfo302cert.htm
 
EXHIBIT 31.2
 
 
Certification of Chief Financial Officer
 
 
Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
 
I, Eric J. Dosch, certify that:
 

 
1.
I have reviewed this Annual Report on Form 10-K of First Guaranty Bancshares, Inc.;
 

 
2.
Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this annual 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 officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:
 

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

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

 
c)
evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
 

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

 
5.
The registrant’s other certifying officers and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):
 

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

 
b)
any fraud, whether or not material, that involves Management or other employees who have a significant role in the registrant’s internal control over financial reporting.
 
 
/s/ Eric J. Dosch
Eric J. Dosch
Chief Financial Officer,
Secretary and Treasurer
(Principal Financial & Accounting Officer)
March 28, 2016
 EX-32.1 6 ceo906cert.htm CEO 906 CERTIFICATION ceo906cert.htm
 
 
EXHIBIT 32.1
 
 
CERTIFICATION OF CHIEF EXECUTIVE OFFICER PURSUANT TO
 
 
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002
 
 
In connection with the Annual Report of First Guaranty Bancshares, Inc. (the “Company”) on Form 10-K as of and for the year ended December 31, 2015 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Alton B. Lewis, Chief Executive Officer of the Company, certify that to the best of my knowledge:
 
 
(1) The Report fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934; and
 
(2) The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.
 
/s/ Alton B. Lewis
Alton B. Lewis
Chief Executive Officer
(Principal Executive Officer)
 
March 28, 2016
 

 EX-32.2 7 cfo906cert.htm CFO 906 CERTIFICATION cfo906cert.htm

 
 
EXHIBIT 32.2
 
 
CERTIFICATION OF CHIEF FINANCIAL OFFICER PURSUANT TO
 
 
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002
 
 
In connection with the Annual Report of First Guaranty Bancshares, Inc. (the “Company”) on Form 10-K as of and for the year ended December 31, 2015 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Eric J. Dosch, Chief Financial Officer of the Company, certify that to the best of my knowledge:
 
(1) The Report fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934; and
 

 
(2) The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.
 
/s/ Eric J. Dosch
Eric J. Dosch
Chief Financial Officer
Secretary and Treasurer
(Principal Financial & Accounting Officer)
 
March 28, 2016
 

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font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="display: block;">(947</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="display: block;">46</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">645</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="display: block;">557</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="display: block;">376</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="display: block;">-</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="display: block;">49</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; 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text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">5</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; 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font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; font-weight: bold; text-align: right; background-color: #ffffff;">3,165</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; 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font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: bold; display: block;">(3,136</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: bold; display: block;">163</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; text-align: right; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; text-align: left; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; font-weight: bold; text-align: right; display: inline; background-color: #ffffff;">1,849</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; text-align: left; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: bold; display: block;">6,380</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; text-decoration: underline; font-family: 'Times New Roman'; 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font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 20%; background-color: #ffffff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Agricultural</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">293</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="display: block;">(491</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">3</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">211</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">16</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">46</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">(2</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">1</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: right; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: left; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; font-weight: normal; text-align: right; display: inline; background-color: #ffffff;">248</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: left; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">293</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 20%; background-color: #cceeff;"><div style="font-weight: normal; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Commercial and industrial</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-weight: normal; 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width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-weight: normal; display: block;">315</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">494</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-weight: normal; display: block;">2,527</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-weight: normal; display: block;">2,176</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-weight: normal; display: block;">(266</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-weight: normal; display: block;">118</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: right; display: inline; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: left; display: inline; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; font-weight: normal; text-align: right; display: inline; background-color: #cceeff;">(231</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: left; display: inline; background-color: #cceeff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-weight: normal; display: block;">1,797</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 20%; background-color: #ffffff;"><div style="font-weight: normal; text-align: left; margin-left: 0pt; display: block; 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font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="display: block;">(550</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">151</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">258</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">230</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">208</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">(289</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; 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font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: left; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; font-weight: normal; text-align: right; display: inline; background-color: #ffffff;">253</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: left; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">371</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr style="height: 23px;"><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 20%; font-weight: normal; padding-bottom: 2px; text-align: left; background-color: #cceeff;">Unallocated</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">264</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="display: block;">-</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">-</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">(264</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">-</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: right; background-color: #cceeff;">421</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: right; background-color: #cceeff;">-</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: right; background-color: #cceeff;">-</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: left; 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vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: right; background-color: #cceeff;">264</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 20%; font-weight: bold; padding-bottom: 2px; text-align: left; background-color: #ffffff;">Total Non-Real Estate</td><td valign="bottom" style="font-size: 12pt; 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font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-weight: bold; display: block;">(1,120</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: right; background-color: #ffffff;">469</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: right; background-color: #ffffff;">699</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: right; background-color: #ffffff;">2,773</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: right; background-color: #ffffff;">2,851</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: right; background-color: #ffffff;">(557</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: left; background-color: #ffffff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: right; background-color: #ffffff;">318</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: right; background-color: #ffffff;">113</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: right; background-color: #ffffff;">2,725</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 20%; padding-bottom: 4px; text-align: left; background-color: #cceeff;"><div style="font-weight: bold; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; 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text-align: left; background-color: #cceeff;"><div style="font-weight: bold; display: block;">$</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-weight: bold; display: block;">(4,173</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; font-weight: bold; text-align: left; background-color: #cceeff;">$</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; font-weight: bold; text-align: right; background-color: #cceeff;">619</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; font-weight: bold; text-align: left; background-color: #cceeff;">$</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; font-weight: bold; text-align: right; 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font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-weight: bold; display: block;">$</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-weight: bold; display: block;">10,355</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; 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font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; text-align: left; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; font-weight: bold; text-align: right; display: inline; background-color: #ffffff;">1,592</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; text-align: left; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; 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text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; background-color: #ffffff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Agricultural</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">64</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">(41</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">5</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: right; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: left; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; font-weight: normal; text-align: right; display: inline; background-color: #ffffff;">18</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: left; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">46</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; 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width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-weight: normal; display: block;">(1,098</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-weight: normal; display: block;">71</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: right; display: inline; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: left; display: inline; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; font-weight: normal; text-align: right; display: inline; background-color: #cceeff;">715</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: left; display: inline; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-weight: normal; display: block;">2,176</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; 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width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">(262</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; 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font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: left; display: inline; background-color: #ffffff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">208</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; font-weight: normal; 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font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: right; background-color: #cceeff;">-</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: right; background-color: #cceeff;">-</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: right; background-color: #cceeff;">201</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; 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width: 1%; display: inline;">&#160; </td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="right" valign="middle" style="font-size: 12pt; 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margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4,124</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid;">&#160; </td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">165</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid; 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width: 1%; text-align: right;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; display: inline;">&#160;</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; display: inline;">&#160;</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; display: inline;">&#160;</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; 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width: 1%; display: inline;">&#160; </td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td valign="middle" style="font-size: 12pt; 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width: 1%; display: inline;">&#160; </td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right;">-</td><td align="left" valign="middle" style="font-size: 12pt; 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width: 1%; border-bottom: black 2px solid;">&#160; </td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid;">&#160; </td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid; text-align: right;">-</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160;</td></tr><tr bgcolor="white"><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 30%; font-weight: bold; padding-bottom: 1px; text-align: left;">Total Non-Real Estate</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid; font-weight: bold; text-align: right;">-</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px; text-align: right;">&#160; </td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid; text-align: right;">-</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px; text-align: right;">&#160; </td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid; font-weight: bold; text-align: right;">-</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px; text-align: right;">&#160; </td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid; text-align: right;">-</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px; text-align: right;">&#160; </td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid; font-weight: bold; text-align: right;">-</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px; text-align: right;">&#160; </td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid; text-align: right;">-</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px;">&#160;</td></tr><tr bgcolor="#cceeff" style="height: 16px;"><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 30%; font-weight: bold; padding-bottom: 1px; text-align: left;">Total Impaired Loans with an allowance recorded</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid; font-weight: bold; text-align: right;">12,004</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; 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font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid; font-weight: bold; text-align: right;">13,114</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px; text-align: right;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid; font-weight: bold; text-align: right;">669</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px; text-align: right;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; 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font-family: 'Times New Roman'; width: 1%; font-weight: bold; display: inline;">&#160;</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; font-weight: bold; display: inline;">&#160;</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px;">&#160;</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; display: inline;">&#160;</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; font-weight: bold; display: inline;">&#160;</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px;">&#160;</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; display: inline;">&#160;</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; font-weight: bold; display: inline;">&#160;</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px;">&#160;</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; display: inline;">&#160;</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; font-weight: bold; display: inline;">&#160;</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px;">&#160;</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; font-weight: bold; padding-bottom: 2px; text-align: right;">&#160;</td><td align="left" valign="middle" style="font-size: 12pt; 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text-align: right;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right;">&#160;-</td><td align="left" valign="middle" style="font-size: 12pt; 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font-family: 'Times New Roman'; width: 6%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right;">&#160;-</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; 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font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid;">&#160; </td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid;">&#160; </td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid;">&#160; </td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid; text-align: right;">&#160;-</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160;</td></tr><tr bgcolor="#cceeff"><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 30%; font-weight: bold; padding-bottom: 1px; text-align: left;">Total Non-Real Estate</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid;">&#160;-</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid;">&#160;-</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid;">&#160;<font style="font-weight: bold;">-</font></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid;">&#160;-</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid;">&#160;-</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid; text-align: right;">&#160;-</td><td align="left" valign="middle" style="font-size: 12pt; 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font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid;">&#160; </td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid;">&#160;</td><td valign="middle" style="font-size: 12pt; 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font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid; text-align: right;">&#160;-</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px;">&#160;</td></tr><tr bgcolor="#cceeff"><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 30%; font-weight: bold; padding-bottom: 1px; text-align: left;">Total Impaired Loans with an allowance recorded</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid; text-align: right;">&#160;<font style="font-weight: bold;">17,394</font></td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px; text-align: right;">&#160;</td><td valign="middle" style="font-size: 12pt; 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text-indent: 0pt;">$</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 4%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">$</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; text-align: right;">-</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">$</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 4%; text-align: right;">&#160;-</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; 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font-family: 'Times New Roman'; width: 10%; text-align: right;">-</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 4%; text-align: right;">&#160;-</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 13%; text-align: right;">-</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; 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width: 1%; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 4%; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 13%; font-weight: bold; text-align: right;">5,707</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 12pt; text-decoration: underline; font-family: 'Times New Roman'; width: 25%; font-weight: bold; text-align: left;">Non-Real Estate:</td><td valign="bottom" style="font-size: 12pt; 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font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="display: block;">-</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="display: block;">-</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; 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font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">5</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; 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font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="display: block;">9</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">612</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; 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width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: bold; display: block;">150</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; font-weight: bold; text-align: right; background-color: #ffffff;">3,165</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; 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font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: bold; display: block;">(3,136</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: bold; display: block;">163</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; text-align: right; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; text-align: left; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; font-weight: bold; text-align: right; display: inline; background-color: #ffffff;">1,849</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; text-align: left; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: bold; display: block;">6,380</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; text-decoration: underline; font-family: 'Times New Roman'; 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font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 20%; background-color: #ffffff;"><div style="text-align: left; margin-left: 0pt; 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font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="display: block;">(491</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">3</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">211</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">16</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; 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width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">1</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: right; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: left; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; font-weight: normal; text-align: right; display: inline; background-color: #ffffff;">248</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: left; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">293</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 20%; background-color: #cceeff;"><div style="font-weight: normal; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Commercial and industrial</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-weight: normal; 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width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-weight: normal; display: block;">315</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;">494</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-weight: normal; display: block;">2,527</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-weight: normal; display: block;">2,176</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-weight: normal; display: block;">(266</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-weight: normal; display: block;">118</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: right; display: inline; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: left; display: inline; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; font-weight: normal; text-align: right; display: inline; background-color: #cceeff;">(231</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: left; display: inline; background-color: #cceeff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-weight: normal; display: block;">1,797</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 20%; background-color: #ffffff;"><div style="font-weight: normal; text-align: left; margin-left: 0pt; display: block; 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font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="display: block;">(550</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">151</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;">258</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; 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font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">208</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">(289</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">199</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: right; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: left; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; font-weight: normal; text-align: right; display: inline; background-color: #ffffff;">253</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: left; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">371</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr style="height: 23px;"><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 20%; font-weight: normal; padding-bottom: 2px; text-align: left; background-color: #cceeff;">Unallocated</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">264</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="display: block;">-</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">-</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">(264</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">-</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: right; background-color: #cceeff;">421</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: right; background-color: #cceeff;">-</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: right; background-color: #cceeff;">-</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: right; background-color: #cceeff;">(157</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: left; background-color: #cceeff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: right; background-color: #cceeff;">264</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 20%; font-weight: bold; padding-bottom: 2px; text-align: left; background-color: #ffffff;">Total Non-Real Estate</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: right; background-color: #ffffff;">2,725</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-weight: bold; display: block;">(1,120</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: right; background-color: #ffffff;">469</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: right; background-color: #ffffff;">699</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: right; background-color: #ffffff;">2,773</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: right; background-color: #ffffff;">2,851</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: right; background-color: #ffffff;">(557</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: left; background-color: #ffffff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: right; background-color: #ffffff;">318</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: right; background-color: #ffffff;">113</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: right; background-color: #ffffff;">2,725</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 20%; padding-bottom: 4px; text-align: left; background-color: #cceeff;"><div style="font-weight: bold; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-weight: bold; display: block;">$</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-weight: bold; display: block;">9,105</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-weight: bold; display: block;">$</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-weight: bold; display: block;">(4,173</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; font-weight: bold; text-align: left; background-color: #cceeff;">$</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; font-weight: bold; text-align: right; background-color: #cceeff;">619</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; font-weight: bold; text-align: left; background-color: #cceeff;">$</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; font-weight: bold; text-align: right; 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font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-weight: bold; display: block;">$</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-weight: bold; display: block;">10,355</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; 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width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-weight: bold; display: block;">$</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-weight: bold; display: block;">481</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; 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text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">1,081</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; 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vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: bold; display: block;">7,337</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: bold; display: block;">(1,632</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; 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vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: bold; display: block;">7,504</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr style="height: 24px;"><td align="left" valign="bottom" style="font-size: 12pt; text-decoration: underline; font-family: 'Times New Roman'; width: 40%; font-weight: bold; display: inline; background-color: #cceeff;">Non-Real Estate:</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; 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width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">(41</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">5</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: right; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: left; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; font-weight: normal; text-align: right; display: inline; background-color: #ffffff;">18</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: left; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">46</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; 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width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-weight: normal; display: block;">(1,098</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-weight: normal; display: block;">71</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: right; display: inline; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: left; display: inline; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; font-weight: normal; text-align: right; display: inline; background-color: #cceeff;">715</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: left; display: inline; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-weight: normal; display: block;">2,176</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; 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width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">(262</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">243</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: right; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: left; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; font-weight: normal; text-align: right; display: inline; background-color: #ffffff;">(6</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; text-align: left; display: inline; background-color: #ffffff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-weight: normal; display: block;">208</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; font-weight: normal; 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font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: right; background-color: #cceeff;">-</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: right; background-color: #cceeff;">-</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: right; background-color: #cceeff;">201</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: normal; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: normal; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; 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font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: right; background-color: #ffffff;">928</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: right; background-color: #ffffff;">2,851</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; padding-bottom: 4px; text-align: left; background-color: #cceeff;"><div style="font-weight: bold; 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font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-weight: bold; display: block;">$</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-weight: bold; display: block;">(3,033</div></td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">)</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: right; 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font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; padding-bottom: 2px;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 7%; padding-bottom: 2px;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160;</td></tr><tr bgcolor="white" style="height: 22px;"><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; 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First Guaranty has obtained a subordination agreement from the FHLB on First Guaranty's farmland, agricultural, and commercial and industrial loans. 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Recent Accounting Pronouncements</div><div style="font-size: 12pt; font-family: 'Times New Roman'; display: block; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify;">In April 2015, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") No. 2015-03, "Interest - Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs." The amendments in this guidance require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. 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The guidance eliminates the requirement that an acquirer in a business combination account for measurement-period adjustments retrospectively. The ASU is effective for annual and interim periods beginning after December&#160;15, 2015. The adoption of this ASU is not expected to have a material effect on&#160;First Guaranty's&#160;Consolidated Financial Statements.</div><div>&#160;</div><div>In January&#160;2016, the FASB issued ASU 2016-01, "Recognition and Measurement of Financial Assets and Financial Liabilities". The ASU amendments include changes related to how certain equity investments are measured, recognize changes in the fair value of financial certain liabilities measured under the fair value option, and disclose and present financial assets and liabilities on First Guaranty's consolidated financial statements. Additionally, the ASU will also require entities to present financial assets and financial liabilities separately, grouped by measurement category and form of financial asset in the statement of financial position or in the accompanying notes to the financial statements. Entities will also no longer have to disclose the methods and significant assumptions for financial instruments measured at amortized cost, but will be required to measure such instruments under the "exit price" notion for disclosure purposes. The ASU is effective for annual and interim periods beginning after December&#160;15, 2017. The adoption of this ASU is not expected to have a material effect on&#160;First Guaranty's&#160;Consolidated Financial Statements.</div><div>&#160;</div><div>In February&#160;2016, the FASB issued ASU 2016-02, "Conforming Amendments Related to Leases". This ASU amends the codification regarding leases in order to increase transparency and comparability. 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Employee Benefit Plans&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="display: inline;">First Guaranty has an employee savings plan to which employees, who meet certain service requirements, may defer&#160;1% to 20%&#160;of their base salaries,&#160;6% of which may be matched up to 100%, at its sole discretion. 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A fair value measurement assumes that the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability or, in the absence of a principal market, the most advantageous market for the asset or liability. Valuation techniques use certain inputs to arrive at fair value. Inputs to valuation techniques are the assumptions that market participants would use in pricing the asset or liability. They may be observable or unobservable. First Guaranty uses a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. 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A fair value measurement assumes that the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability or, in the absence of a principal market, the most advantageous market for the asset or liability. Valuation techniques use certain inputs to arrive at fair value. Inputs to valuation techniques are the assumptions that market participants would use in pricing the asset or liability. They may be observable or unobservable. First Guaranty uses a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. The fair value hierarchy is as follows:</div><div style="font-size: 12pt; font-family: 'Times New Roman';">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="font-weight: normal; display: inline;"><font style="font-weight: bold;">Level 1 Inputs</font> &#8211; Unadjusted quoted market prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date.</font><br /></div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="font-weight: bold;">Level 2 Inputs</font> &#8211; Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (such as interest rates, volatilities, prepayment speeds or credit risks) or inputs that are derived principally from or corroborated by market data by correlation or other means.</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="font-weight: bold;">Level 3 Inputs</font> &#8211; Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity&#8217;s own assumptions about the assumptions that market participants would use in pricing the assets or liabilities.</div><div style="font-size: 12pt; font-family: 'Times New Roman'; display: block; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">A description of the valuation methodologies used for instruments measured at fair value follows, as well as the classification of such instruments within the valuation hierarchy.</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: bold; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="font-weight: bold; font-style: italic; display: inline;">Securities available for sale</font><font style="font-style: italic; display: inline;">. </font><font style="font-weight: normal; font-style: normal;">Securities are classified within Level 1 where quoted market prices are available in an active market. Inputs include securities that have quoted prices in active markets for identical assets. If quoted market prices are unavailable, fair value is estimated using quoted prices of securities with similar characteristics, at which point the securities would be classified within Level 2 of the hierarchy. Securities classified Level 3 as of December 31, 2015 include municipal bonds and an equity security.</font></div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="font-weight: normal; font-style: italic; display: inline;"><font style="font-weight: bold;">Impaired loans</font>. </font><font style="font-weight: normal; display: inline;">Loans are measured for impairment using the methods permitted by ASC Topic 310. Fair value of impaired loans is measured by either the fair value of the collateral if the loan is collateral dependent (Level 2 or Level 3), or the present value of expected future cash flows, discounted at the loan's effective interest rate (Level 3). Fair value of the collateral is determined by appraisals or by&#160;independent valuation.</font></div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="font-weight: bold; font-style: italic; display: inline;">Other real estate owned</font><font style="font-style: italic; display: inline;">. </font><font style="font-weight: normal; font-style: normal;">Properties are recorded at the balance of the loan or at estimated fair value less estimated selling costs, whichever is less, at the date acquired. Fair values of other real estate owned ("OREO") at December 31, 2015 and 2014&#160;are determined by sales agreement or appraisal, and costs to sell are based on estimation per the terms and conditions of the sales agreement or amounts commonly used in real estate transactions. Inputs include appraisal values or recent sales activity for similar assets in the property&#8217;s market; thus OREO measured at fair value would be classified within either Level 2 or Level 3 of the hierarchy.</font></div><font style="font-size: 9pt; font-family: Times New Roman; font-weight: bold; font-style: italic; display: inline;"><br /></font><font style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; display: inline;">Certain non-financial assets and non-financial liabilities are measured at fair value on a non-recurring basis including assets and liabilities related to reporting units measured at fair value in the testing of goodwill impairment, as well as intangible assets and other non-financial long-lived assets measured at fair value for impairment assessment.</font></div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following table summarizes financial assets measured at fair value on a recurring basis as of December 31, 2015 and 2014, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value:</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 9pt; font-family: times new roman; width: 100%;"><tr><td align="left" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; padding-bottom: 2px; font-style: italic;">(in thousands)</td><td colspan="2" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 11%; border-bottom: black 2px solid; font-weight: bold; text-align: center;">December 31, 2015</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 11%; border-bottom: black 2px solid; font-weight: bold; text-align: center;">December 31, 2014</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; border-bottom: black 2px solid;"><div style="font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Available for Sale Securities Fair Value Measurements Using: </div></td><td align="left" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="right" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; padding-bottom: 2px;">&#160; </td><td align="right" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160;</td><td align="left" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="right" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; padding-bottom: 2px;">&#160; </td><td align="right" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level 1:&#160;Quoted Prices in Active Markets For Identical Assets</div></td><td align="right" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%;"><div style="text-align: right; 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font-family: 'Times New Roman'; width: 40%;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level 2: Significant Other Observable Inputs</div></td><td align="right" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td align="right" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">338,167</div></td><td align="right" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td><td align="right" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%;">&#160;</td><td align="right" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%;"><div style="text-align: right; 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font-family: 'Times New Roman'; font-weight: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">First Guaranty's valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values.&#160;&#160;While Management believes the methodologies used are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value.&#160;&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; text-align: justify; display: block; text-indent: 0pt;">The change in Level&#160;1 securities available for sale from December 31, 2014 was due to&#160;a reduction in Treasury bills&#160;of $6.0 million. 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font-family: 'Times New Roman'; width: 40%; border-bottom: black 2px solid;"><div style="font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value Measurements Using: Impaired Loans</div></td><td align="left" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160;</td><td align="right" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; padding-bottom: 2px;">&#160;</td><td align="right" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160;</td><td align="left" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160;</td><td align="right" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; padding-bottom: 2px;">&#160;</td><td align="right" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; 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font-family: 'Times New Roman'; width: 40%; padding-bottom: 1px; text-align: left;"><div style="margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level 3: Significant&#160;Unobservable&#160;Inputs</div></td><td align="right" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td align="right" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; border-bottom: black 2px solid;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">7,701</div></td><td align="right" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160;</td><td align="right" valign="top" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid;">&#160;</td><td align="right" valign="top" style="font-size: 12pt; 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width: 40%; background-color: #ffffff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash and cash equivalents</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">37,272</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">37,272</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">44,575</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">44,575</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td></tr><tr style="height: 23px;"><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; background-color: #cceeff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Securities, available for sale</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">376,369</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">$</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; text-align: right; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">376,369</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">499,808</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">499,808</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; background-color: #ffffff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Securities, held to maturity</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">169,752</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">168,148</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">141,795</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; 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font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">935</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">935</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,621</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,621</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; background-color: #ffffff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans, net</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">832,168</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">831,731</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">781,216</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">780,470</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; background-color: #cceeff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accrued interest receivable</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">6,015</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">6,015</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">6,384</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">6,384</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td></tr><tr style="height: 23px;"><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; border-bottom: black 2px solid; background-color: #cceeff;"><div style="font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Liabilities</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; background-color: #ffffff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Deposits</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,295,870</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,296,468</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,371,839</div></td><td align="left" valign="bottom" style="font-size: 12pt; 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Fair value information is intended to represent an estimate of an amount at which a financial instrument could be exchanged in a current transaction between a willing buyer and seller engaging in an exchange transaction. However, since there are no established trading markets for a significant portion of First Guaranty's financial instruments, First Guaranty may not be able to immediately settle financial instruments; as such, the fair values are not necessarily indicative of the amounts that could be realized through immediate settlement. 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Fair values are estimated without regard to any premium or discount that may result from concentrations of ownership of financial instruments, possible income tax ramifications or estimated transaction costs. The fair value estimates are subjective in nature and involve matters of significant judgment and, therefore, cannot be determined with precision. Fair values are also estimated at a specific point in time and are based on interest rates and other assumptions at that date. 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The present value is the sum of the present value of all projected cash flows on an item at a specified discount rate. The discount rate is set as an appropriate rate index, plus or minus an appropriate spread. These loans are classified within level 3 of the fair value hierarchy. </div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Impaired loans</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair value of impaired loans is measured by either the fair value of the collateral if the loan is collateral dependent (Level 2 or Level 3), or the present value of expected future cash flows, discounted at the loan's effective interest rate (Level 3). 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The discount rate is set as an appropriate rate&#160;</font><font style="display: inline;">index, plus or minus an appropriate spread.&#160;Borrowings&#160;are classified within level 3 of the fair value hierarchy. </font></div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other Unrecognized Financial Instruments.</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The fair value of commitments to extend credit is estimated using the fees charged to enter into similar legally binding agreements, taking into account the remaining terms of the agreements and customers' credit ratings. 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text-indent: 0pt;">Estimated Fair Value</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td colspan="2" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 11%; border-bottom: black 2px solid;"><div style="font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Carrying Value</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td colspan="2" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 11%; border-bottom: black 2px solid;"><div style="font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Estimated Fair Value</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; 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margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">499,808</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">499,808</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; background-color: #ffffff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; 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font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">832,168</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">831,731</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; 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font-family: 'Times New Roman'; width: 40%; background-color: #cceeff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accrued interest receivable</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">6,015</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">6,015</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">6,384</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">6,384</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td></tr><tr style="height: 23px;"><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; border-bottom: black 2px solid; background-color: #cceeff;"><div style="font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Liabilities</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; background-color: #ffffff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Deposits</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; 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font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,373,537</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160; </td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; background-color: #cceeff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Borrowings</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">27,624</div></td><td align="left" valign="bottom" style="font-size: 12pt; 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text-indent: 0pt;">3,255</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3,255</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; background-color: #ffffff;">Junior subordinated debentures</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; 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First Guaranty's goodwill is tested for impairment on an annual basis, or more often if events or circumstances indicate that there may be impairment. Adverse changes in the economic environment, declining operations, or other factors could result in a decline in the implied fair value of goodwill. If the implied fair value is less than the carrying amount, a loss would be recognized in other non-interest expense to reduce the carrying amount to implied fair value of goodwill. The goodwill impairment test includes two steps that are preceded by a, &#8220;step zero&#8221;, qualitative test. The qualitative test allows Management to assess whether qualitative factors indicate that it is more likely than not that impairment exists. If it is not more likely than not that impairment exists, then no impairment exists and the two step quantitative test would not be necessary. 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font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right;">-</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 30%;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; 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margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">254</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right;">72</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td></tr><tr bgcolor="#cceeff"><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 30%; padding-bottom: 1px; text-align: left;"><div style="margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Non-farm non-residential</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid;">&#160; 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margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">103</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right;">125</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 30%;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Multifamily</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="right" valign="middle" style="font-size: 12pt; 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margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,298</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid;">&#160; </td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">11,035</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid;">&#160; </td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; 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display: block; margin-right: 0pt; text-indent: 0pt;">Unpaid Principal Balance</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td colspan="2" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 7%; border-bottom: black 2px solid;"><div style="font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Related Allowance</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td colspan="2" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 7%; border-bottom: black 2px solid;"><div style="font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average Recorded Investment</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; 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margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Impaired Loans with no related allowance:</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; 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font-family: 'Times New Roman'; width: 6%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; padding-bottom: 2px; text-align: right;">&#160;</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160;</td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 30%;"><div style="text-decoration: underline; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate:</div></td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; 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margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">13,160</div></td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; text-align: left;">&#160; </td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right;"><div style="font-weight: bold; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,590</div></td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; text-align: left;">&#160; </td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right;"><div style="font-weight: bold; margin-left: 0pt; display: block; margin-right: 0pt; 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display: inline;">&#160;</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; display: inline;">&#160;</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; display: inline;">&#160;</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td><td align="left" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; 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text-indent: 0pt;">-</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #ffffff;"><div style="margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">41,676</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; text-align: left; background-color: #cceeff;">Mortgage-backed securities</td><td valign="bottom" style="font-size: 12pt; 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font-family: 'Times New Roman'; width: 1%; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">-</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">-</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">-</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">-</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; text-align: right; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="font-size: 12pt; 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margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 4px double; text-align: right; background-color: #ffffff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(4,644</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 4px; text-align: left; background-color: #ffffff;"><div style="font-weight: bold; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">)</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1.14%; border-bottom: black 4px double; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 4px double; text-align: right; background-color: #ffffff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">376,369</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; font-weight: bold; padding-bottom: 4px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 4px double; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 4px double; text-align: right; background-color: #ffffff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">499,443</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 4px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 4px double; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 4px double; text-align: right; background-color: #ffffff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">5,526</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 4px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 4px double; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 4px double; text-align: right; background-color: #ffffff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(5,161</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 4px; text-align: left; background-color: #ffffff;"><div style="font-weight: bold; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">)</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 4px double; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 4px double; text-align: right; background-color: #ffffff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">499,808</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 4px; text-align: right; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; text-align: left; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1.14%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td></tr><tr style="height: 22px;"><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; border-bottom: black 2px solid; text-align: left; background-color: #ffffff;"><div style="font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Held to maturity:</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1.14%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; 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width: 6%; text-align: right; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">77,343</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;"><div style="margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;"><div style="margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;"><div style="margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(721</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #cceeff;"><div style="margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">)</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1.14%; text-align: right; background-color: #cceeff;"><div style="margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;"><div style="margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">76,622</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">84,479</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(1,950</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #cceeff;"><div style="margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">)</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">82,529</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; padding-bottom: 2px; text-align: left; background-color: #ffffff;">Mortgage-backed securities</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid; text-align: right; background-color: #ffffff;">92,409</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid; text-align: right; background-color: #ffffff;">9</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid; text-align: right; background-color: #ffffff;">(892</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: left; background-color: #ffffff;">)&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1.14%; border-bottom: black 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid; text-align: right; background-color: #ffffff;">91,526</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid; text-align: right; background-color: #ffffff;">57,316</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid; text-align: right; background-color: #ffffff;">57</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid; text-align: right; background-color: #ffffff;">(214</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: left; background-color: #ffffff;">)&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 2px solid; text-align: right; background-color: #ffffff;">57,159</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; padding-bottom: 4px; text-align: left; background-color: #cceeff;"><div style="font-weight: bold; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total held to maturity securities</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 4px double; text-align: right; background-color: #cceeff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 4px double; font-weight: bold; text-align: right; background-color: #cceeff;">169,752</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 4px double; text-align: right; background-color: #cceeff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 4px double; text-align: right; background-color: #cceeff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">9</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 4px double; text-align: right; background-color: #cceeff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 4px double; text-align: right; background-color: #cceeff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(1,613</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 4px; text-align: left; background-color: #cceeff;"><div style="font-weight: bold; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">)</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1.14%; border-bottom: black 4px double; text-align: right; background-color: #cceeff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 4px double; text-align: right; background-color: #cceeff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">168,148</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; font-weight: bold; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 4px double; text-align: right; background-color: #cceeff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 4px double; text-align: right; background-color: #cceeff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">141,795</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 4px double; text-align: right; background-color: #cceeff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 4px double; font-weight: bold; text-align: right; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">57</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 4px double; text-align: right; background-color: #cceeff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 4px double; text-align: right; background-color: #cceeff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(2,164</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 4px; text-align: left; background-color: #cceeff;"><div style="font-weight: bold; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">)</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 4px double; text-align: right; background-color: #cceeff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 4px double; text-align: right; background-color: #cceeff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">139,688</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160;</td></tr></table></div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The scheduled maturities of securities at December 31, 2015, by contractual maturity, are shown below. Actual maturities may differ from contractual maturities due to call or prepayments. Mortgage-backed securities are not due at a single maturity because of amortization and potential prepayment of the underlying mortgages. 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font-family: 'Times New Roman'; width: 40%; padding-bottom: 2px; font-style: italic;">(in thousands)</td><td colspan="2" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 11%; border-bottom: black 2px solid;"><div style="font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amortized Cost</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; padding-bottom: 2px;">&#160; </td><td colspan="2" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 11%; border-bottom: black 2px solid;"><div style="font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; border-bottom: black 2px solid; background-color: #cceeff;"><div style="font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Available-for-sale:</div></td><td align="left" colspan="2" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 11%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="left" colspan="2" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 11%; padding-bottom: 2px; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; background-color: #cceeff;">&#160;</td></tr><tr style="height: 16px;"><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; background-color: #ffffff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Due in one year or less</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">38,847</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">38,905</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; background-color: #cceeff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Due after one year through five years</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">138,704</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">138,924</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160;</td></tr><tr style="height: 16px;"><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; 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margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">21,545</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;</td></tr><tr style="height: 18px;"><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; background-color: #cceeff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Due after five years through 10 years</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">55,540</div></td><td align="left" valign="bottom" style="font-size: 12pt; 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font-family: 'Times New Roman'; width: 1%; border-bottom: black 4px double; text-align: right;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 15%; border-bottom: black 4px double;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">394,007</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 4px;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 4px double; text-align: right;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 15%; border-bottom: black 4px double;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">390,567</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 4px;">&#160;</td></tr></table></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The scheduled maturities of securities at December 31, 2015, by contractual maturity, are shown below. 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font-family: 'Times New Roman'; width: 40%; background-color: #ffffff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Due in one year or less</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">38,847</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">38,905</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; background-color: #cceeff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Due after one year through five years</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; 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Loans are charged against the allowance for loan losses when Management believes that the collectability of the principal is unlikely. The allowance, which is based on evaluation of the collectability of loans and prior loan loss experience, is an amount that, in the opinion of Management, reflects the risks inherent in the existing loan portfolio and exists at the reporting date. The evaluations take into consideration a number of subjective factors including changes in the nature and volume of the loan portfolio, historical losses, overall portfolio quality, review of specific problem loans, current economic conditions that may affect a borrower&#8217;s ability to pay, adequacy of loan collateral and other relevant factors. In addition, regulatory agencies, as an integral part of their examination process, periodically review the estimated losses on loans. 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However, the amount of the change that is reasonably possible cannot be estimated.&#160; </font><font style="display: inline;">The evaluation of the adequacy of loan collateral is often based upon estimates and appraisals. Because of changing economic conditions, the valuations determined from such estimates and appraisals may also change. Accordingly, First Guaranty may ultimately incur losses that vary from Management's current estimates. Adjustments to the allowance for loan losses will be reported in the period such adjustments become known or can be reasonably estimated. All loan losses are charged to the allowance for loan losses when the loss actually occurs or when&#160;the collectability of the principal is unlikely. 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border-bottom: black 2px solid;"><div style="font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2015</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; padding-bottom: 2px;">&#160; </td><td colspan="4" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 22%; border-bottom: black 2px solid;"><div style="font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; padding-bottom: 2px; font-style: italic;">(in thousands except for %)</td><td colspan="2" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; 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margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1.5</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">%</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">14,323</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1.8</div></td><td align="left" valign="bottom" style="font-size: 12pt; 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font-family: 'Times New Roman'; width: 10%; display: inline;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; display: inline;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; 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font-family: 'Times New Roman'; width: 2%;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">%</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">196,339</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">24.8</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%;"><div style="text-align: left; margin-left: 0pt; 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margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">6.4</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; padding-bottom: 2px;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">%</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; border-bottom: black 2px solid;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">42,991</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; border-bottom: black 2px solid;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">5.4</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">%</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; font-weight: bold; padding-bottom: 1px; text-align: left;">Total Non-real Estate</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; border-bottom: black 2px solid; font-weight: bold;">304,202</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; border-bottom: black 2px solid; font-weight: bold;">36.1</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; font-weight: bold; padding-bottom: 2px;">%</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; border-bottom: black 2px solid; font-weight: bold;">265,608</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; border-bottom: black 2px solid; font-weight: bold;">33.5</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; 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text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">100.0</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; padding-bottom: 4px;"><div style="font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">%</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; padding-bottom: 2px; text-align: right;"><div style="font-weight: bold; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">792,145</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 4px;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; border-bottom: black 4px double;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">100.0</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 4px;"><div style="font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">%</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; padding-bottom: 1px; text-align: left;"><div style="margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unearned income</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; border-bottom: black 2px solid;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(2,025</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">)</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; padding-bottom: 2px;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; padding-bottom: 2px;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; border-bottom: black 2px solid;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(1,824</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">)</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; padding-bottom: 2px;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; padding-bottom: 2px; text-align: left;"><div style="font-weight: bold; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total Loans Net of Unearned Income</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 4px double; text-align: right;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; border-bottom: black 4px double;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">841,583</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; display: inline;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; font-weight: bold; display: inline;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; font-weight: bold; display: inline;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 4px double;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; border-bottom: black 4px double;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">790,321</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; display: inline;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td></tr></table></div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: left;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The following table summarizes fixed and floating rate loans by contractual maturity, excluding nonaccrual loans,&#160;as of December 31, 2015 and December 31, 2014 unadjusted for scheduled principal payments, prepayments, or repricing opportunities. 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font-family: 'Times New Roman'; width: 9%; border-bottom: black 2px solid;"><div style="font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Floating</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; padding-bottom: 2px;">&#160; </td><td colspan="2" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; border-bottom: black 2px solid;"><div style="font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; padding-bottom: 2px;">&#160; </td><td colspan="2" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; border-bottom: black 2px solid; font-weight: bold; text-align: center;">Fixed</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; 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margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">80,653</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 8%; display: inline;">67,012</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; display: inline;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 8%; display: inline;">39,634</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; display: inline;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; 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margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">314</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 8%;">48</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 8%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">362</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; 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font-family: 'Times New Roman'; width: 10%; border-bottom: black 4px double;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">20,039</div></td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 4px;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 4px double; font-weight: bold;">$</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; border-bottom: black 4px double; font-weight: bold;">12,194</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 4px;">&#160;</td></tr></table></div><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><div style="font-size: 12pt; font-family: 'Times New Roman';">&#160;</div><div style="font-size: 12pt; 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display: inline;">&#160; </td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">12,629</div></td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; display: inline;">&#160; </td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; display: inline;">3,581</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td><td align="right" valign="middle" style="font-size: 12pt; font-family: 'Times New Roman'; width: 5%; 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Debt securities that Management has the ability and intent to hold to maturity are classified as held to maturity and carried at cost, adjusted for amortization of premiums and accretion of discounts using methods approximating the interest method. Securities available for sale are stated at fair value. The unrealized difference, if any, between amortized cost and fair value of these AFS securities is excluded from income and is reported, net of deferred taxes, in accumulated other comprehensive income as a part of shareholders&#8217; equity. Details of other comprehensive income are reported in the consolidated statements of comprehensive income. Realized gains and losses on securities are computed based on the specific identification method and are reported as a separate component of other income. Amortization of premiums and discounts is included in interest income. 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The amendments in this guidance require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this ASU.</div><div style="font-size: 12pt; font-family: 'Times New Roman';"><br /></div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify;"><div>This guidance is effective for interim and annual reporting periods beginning after December 15, 2015, with early adoption permitted. This guidance must be adopted retrospectively, wherein the balance sheet of each period presented should be adjusted to reflect the new guidance. First Guaranty has elected early adoption of this guidance in 2015. 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The adoption of this ASU is not expected to have a material effect on&#160;First Guaranty's&#160;Consolidated Financial Statements.</div><div>&#160;</div><div>In February&#160;2016, the FASB issued ASU 2016-02, "Conforming Amendments Related to Leases". This ASU amends the codification regarding leases in order to increase transparency and comparability. The ASU requires companies to recognize lease assets and liabilities on the statement of condition and disclose key information about leasing arrangements. A lessee would recognize a liability to make lease payments and a right-of-use asset representing its right to use the leased asset for the lease term. The ASU is effective for annual and interim periods beginning after December&#160;15, 2018. 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font-family: 'Times New Roman'; width: 8%; border-bottom: black 2px solid; font-weight: bold;">304,202</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 11%; border-bottom: black 2px solid;">-</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160;</td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 33%; padding-bottom: 2px; text-align: left;"><div style="font-weight: bold; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total Loans Before Unearned Income</div></td><td valign="bottom" style="font-size: 12pt; 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width: 9%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; background-color: #cceeff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consolidated</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">116,607</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">10.85</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #cceeff;">%</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">64,464</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">6.00</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #cceeff;">%</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; 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font-family: 'Times New Roman'; width: 9%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">138,901</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;">12.98</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">%</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">64,224</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">6.00</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">%</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #ffffff;">85,632</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">8.00</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #ffffff;">%</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; 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font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr style="height: 22px;"><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; background-color: #ffffff;"><div style="text-decoration: underline; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Tier 1 Leverage Capital:</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr style="height: 21px;"><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; background-color: #cceeff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consolidated</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">116,607</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">8.17</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #cceeff;">%</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">57,121</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4.00</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #cceeff;">%</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; 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font-family: 'Times New Roman'; width: 9%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">138,901</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">9.74</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">%</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">57,062</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4.00</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">%</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">71,328</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">5.00</div></td><td valign="bottom" style="font-size: 12pt; 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background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; 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font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; 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width: 10%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; background-color: #cceeff;"><div style="text-decoration: underline; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Tier 1 Leverage Capital:</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; background-color: #ffffff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consolidated</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; 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font-family: 'Times New Roman'; width: 9%; background-color: #ffffff;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #ffffff;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; 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font-family: 'Times New Roman'; width: 9%; background-color: #cceeff;">N/A</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;">N/A</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr style="height: 22px;"><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; background-color: #ffffff;">Consolidated </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #ffffff;">N/A</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;">&#160;N/A</td><td align="left" valign="bottom" style="font-size: 12pt; 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font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #cceeff;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #cceeff;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #cceeff;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; 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font-family: 'Times New Roman'; width: 40%; padding-bottom: 2px; font-style: italic;">(in thousands)</td><td colspan="2" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 11%; border-bottom: black 2px solid;"><div style="font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td><td colspan="2" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 11%; border-bottom: black 2px solid;"><div style="font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; 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width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 64%; background-color: #ffffff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest expense</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">192</td><td nowrap="nowrap" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; vertical-align: bottom; 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width: 1%;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 7%;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 7%; text-align: center;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; 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font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 7%; padding-bottom: 2px;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 7%; padding-bottom: 2px; text-align: center;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; padding-bottom: 2px;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; 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font-family: 'Times New Roman'; width: 6%; border-bottom: black 4px double;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">17,001</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 4px;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 4px double; text-align: right;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 7%; border-bottom: black 4px double;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(20</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; 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font-family: 'Times New Roman'; width: 9%; border-bottom: black 2px solid;"><div style="font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Floating</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; padding-bottom: 2px;">&#160; </td><td colspan="2" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; border-bottom: black 2px solid;"><div style="font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; padding-bottom: 2px;">&#160; </td><td colspan="2" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; border-bottom: black 2px solid; font-weight: bold; text-align: center;">Fixed</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; 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font-family: 'Times New Roman'; width: 8%; border-bottom: black 4px double;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">841,583</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; font-weight: bold; padding-bottom: 4px;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 4px;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 8%; font-weight: bold; padding-bottom: 4px;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; font-weight: bold; padding-bottom: 4px;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 4px;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; 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font-family: 'Times New Roman'; width: 25%; display: inline; background-color: #ffffff;">Bank</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;$</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #ffffff;">&#160;138,901</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160;12.98</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">%</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;$</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #ffffff;">48,168</td><td valign="bottom" style="font-size: 12pt; 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font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; border-bottom: black 2px solid; background-color: #ffffff;"><div style="font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td align="left" valign="bottom" style="font-size: 12pt; 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padding-bottom: 2px; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; padding-bottom: 2px; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; padding-bottom: 2px; background-color: #ffffff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; padding-bottom: 2px; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; background-color: #cceeff;"><div style="text-decoration: underline; 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font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">82,486</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">8.00</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">%</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">N/A</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">N/A</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; background-color: #cceeff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Bank</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">143,426</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">13.96</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #cceeff;">%</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">82,170</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">8.00</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #cceeff;">%</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">102,712</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">10.00</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #cceeff;">%</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; background-color: #cceeff;"><div style="text-decoration: underline; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Tier 1 Capital:</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; background-color: #ffffff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consolidated</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">135,727</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">13.16</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">%</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">41,243</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4.00</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">%</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">N/A</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">N/A</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; background-color: #cceeff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Bank</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">134,319</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">13.08</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #cceeff;">%</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">41,085</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4.00</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #cceeff;">%</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">61,627</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">6.00</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #cceeff;">%</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #ffffff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #ffffff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; background-color: #cceeff;"><div style="text-decoration: underline; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Tier 1 Leverage Capital:</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; display: inline; background-color: #cceeff;">&#160; </td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; background-color: #ffffff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consolidated</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">135,737</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">9.33</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">%</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">58,173</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4.00</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #ffffff;">%</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">N/A</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">N/A</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; background-color: #cceeff;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Bank</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">134,319</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">9.26</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #cceeff;">%</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">58,025</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4.00</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 3%; display: inline; background-color: #cceeff;">%</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #cceeff;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 9%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">72,532</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">5.00</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #cceeff;">%</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; background-color: #ffffff;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline; background-color: #ffffff;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; 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margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">52,094</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">6.6</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Farmland</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">17,672</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2.1</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">%</div></td><td align="left" valign="bottom" style="font-size: 12pt; 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margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1- 4 Family</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">129,610</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160; </td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">15.4</div></td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%;"><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">%</div></td><td align="left" valign="bottom" style="font-size: 12pt; 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display: inline;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; display: inline;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; display: inline;">&#160;</td><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; display: inline;">&#160;</td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%;"><div style="text-align: left; margin-left: 0pt; display: block; 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text-indent: 0pt;"><div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"></div></div></div></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 9pt; font-family: times new roman; width: 100%;"><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 40%; padding-bottom: 2px;">&#160; </td><td colspan="5" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 33%; border-bottom: black 2px solid;"><div style="font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">At December 31, 2015</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 2px;">&#160;</td></tr><tr><td align="left" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; 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While the chief decision-makers monitor the revenue streams of the various products and services, the identifiable segments are not material. Operations are managed and financial performance is evaluated on a <font style="font-weight: normal;">Company-<font style="font-weight: normal;">wide</font> basis</font>.</div></div> 1800000 1800000 5788000 1800000 1800000 0.0108 0.0212 0.0098 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="font-weight: bold; display: inline;">Note 1.&#160;&#160;</font><font style="font-weight: bold; display: inline;">Business and Summary of Significant Accounting Policies</font></div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Business</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">First Guaranty Bancshares, Inc. ("First Guaranty" or the &#8220;Company&#8221;) is a Louisiana corporation headquartered in Hammond, LA.&#160;First Guaranty&#160;owns all of the outstanding shares of common stock of First Guaranty Bank. First Guaranty Bank (the &#8220;Bank&#8221;) is a Louisiana state-chartered commercial bank that provides a diversified range of financial services to consumers and businesses in the communities in which it operates. These services include consumer and commercial lending, mortgage loan origination, the issuance of credit cards and retail banking services. The Bank also maintains an investment portfolio comprised of government, government agency, corporate, and municipal securities. The Bank has twenty-one banking offices, including one drive-up banking facility, and twenty-seven automated teller machines (ATMs) in Southeast, Southwest and North Louisiana.</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Summary of significant accounting policies</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The accounting and reporting policies of First Guaranty conform to generally accepted accounting principles and to predominant accounting practices within the banking industry. The more significant accounting and reporting policies are as follows:</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consolidation</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="font-size: 12pt; font-family: 'Times New Roman'; display: inline;">The consolidated financial statements include the accounts of First Guaranty Bancshares, Inc., and its wholly owned subsidiary, First Guaranty Bank. 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Purchased assets, including identifiable intangibles, and assumed liabilities are recorded at their respective acquisition date fair values. If the fair value of net assets purchased exceeds the consideration given, a gain on acquisition is recognized. If the consideration given exceeds the fair value of the net assets received, goodwill is recognized. Fair values are subject to refinement for up to one year after the closing date of an acquisition as information relative to closing date fair values becomes available. Purchased loans acquired in a business combination are recorded at estimated fair value on their purchase date with no carryover of the related allowance for loan losses. See <font style="font-weight: normal; font-style: normal; display: inline;">Acquired Loans</font> section below for accounting policy regarding loans acquired in a business combination.</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Use of estimates</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="display: inline;">The preparation of financial statements in conformity with generally accepted accounting principles requires Management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the dates of the financial statements and the reported amounts of revenue and expense during the reporting periods. Actual results could differ from those estimates.&#160; </font><font style="display: inline;">Material estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for loan losses, the valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, and the valuation of investment securities. In connection with the determination of the allowance for loan losses and real estate owned,&#160;First Guaranty&#160;obtains independent appraisals for significant properties.</font></div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash and cash equivalents</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For purposes of reporting cash flows, cash and cash equivalents are defined as cash, due from banks, interest-bearing demand deposits with banks and federal funds sold with maturities of three months or less.</div><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="font-size: 9pt; font-family: Times New Roman; font-weight: bold; font-style: italic; display: inline;"><br /></font><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Securities</div><div style="font-size: 12pt; font-family: 'Times New Roman'; display: block; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; font-style: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">First Guaranty&#160;reviews its financial position, liquidity and future plans in evaluating the criteria for classifying investment securities. Debt securities that Management has the ability and intent to hold to maturity are classified as held to maturity and carried at cost, adjusted for amortization of premiums and accretion of discounts using methods approximating the interest method. Securities available for sale are stated at fair value. The unrealized difference, if any, between amortized cost and fair value of these AFS securities is excluded from income and is reported, net of deferred taxes, in accumulated other comprehensive income as a part of shareholders&#8217; equity. Details of other comprehensive income are reported in the consolidated statements of comprehensive income. Realized gains and losses on securities are computed based on the specific identification method and are reported as a separate component of other income. Amortization of premiums and discounts is included in interest income. Discounts and premiums related to debt securities are amortized using the effective interest rate method.</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; font-style: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; text-align: justify; display: block; text-indent: 0pt;">Management evaluates securities for other-than-temporary impairment ("OTTI") at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation.&#160; In estimating other-than-temporary losses, management considers the length of time and extent that fair value has been less than cost and the financial condition and near term prospects of the issuer.&#160; Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings.&#160; For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in other comprehensive income.&#160; The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings.<font class="DSPFRevisionMark">&#160;</font></div><div style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; text-align: justify; display: block; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; text-align: justify; display: block; text-indent: 0pt;">Loans held for sale</div><div style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; text-align: justify; display: block; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; text-align: justify; display: block; text-indent: 0pt;"><font style="display: inline;">Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated fair value in the aggregate. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. Loans held for sale have primarily been fixed rate single-family residential mortgage loans under contract to be sold in the secondary market. In most cases, loans in this category are sold within thirty days. Buyers generally have recourse to return a purchased loan under limited circumstances. Recourse conditions may include early payment default, breach of representations or warranties and documentation deficiencies.&#160; </font><font style="display: inline;">Mortgage loans held for sale are generally sold with the mortgage servicing rights released. Gains or losses on sales of mortgage loans are recognized based on the differences between the selling price and the carrying value of the related mortgage loans sold.</font></div></div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans</div><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><div style="font-size: 12pt; font-family: 'Times New Roman'; display: block; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; font-style: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans are stated at the principal amounts outstanding, net of unearned income and deferred loan fees. In addition to loans issued in the normal course of business, overdrafts on customer deposit accounts are considered to be loans and reclassified as such. Interest income on all classifications of loans is calculated using the simple interest method on daily balances of the principal amount outstanding.</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; display: block; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; font-style: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accrual of interest is discontinued on a loan when Management believes, after considering economic and business conditions and collection efforts, the borrower&#8217;s financial condition is such that reasonable doubt exists as to the full and timely collection of principal and interest. This evaluation is made for all loans that are 90 days or more contractually past due. When a loan is placed in nonaccrual status, all interest previously accrued but not collected is reversed against current period interest income. Income on such loans is then recognized only to the extent that cash is received and where the future collection of interest and principal is probable. Loans are returned to accrual status when, in the judgment of Management, all principal and interest amounts contractually due are reasonably assured to be collected within a reasonable time frame and when the borrower has demonstrated payment performance of cash or cash equivalents; generally for a period of six months. All loans, except mortgage loans, are considered past due if they are past due 30 days. Mortgage loans are considered past due when two consecutive payments have been missed. Loans that are past due 90-120 days and deemed uncollectible are charged-off. The loan charge off is a reduction of the allowance for loan losses.</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Troubled Debt Restructurings (TDRs)</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><div style="font-size: 12pt; font-family: 'Times New Roman'; display: block; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">TDRs are loans in which the borrower is experiencing financial difficulty at the time of restructuring, and the Bank has granted a concession to the borrower.&#160; TDRs are undertaken in order to improve the likelihood of recovery on the loan and may take the form of modifications made with the stated interest rate lower than the current market rate for new debt with similar risk, other modifications to the structure of the loan that fall outside of normal underwriting policies and procedures, or in limited circumstances forgiveness of principal and / or interest.&#160; TDRs can involve loans remaining on non-accrual, moving to non-accrual, or continuing on accrual status, depending on the individual facts and circumstances of the borrower.&#160; TDRs are subject to policies governing accrual and non-accrual evaluation consistent with all other loans as discussed in the &#8220;Loans&#8221; section above.&#160; All loans with the TDR designation are considered to be impaired, even if they are accruing.&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; display: block; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">First Guaranty's policy is to evaluate TDRs that have subsequently been restructured and returned to market terms after 12 months of performance.&#160;The evaluation includes a review of the loan file and analysis of the credit to assess the loan terms, including interest rate to insure such terms are consistent with market terms.&#160; The loan terms are compared to a sampling of loans with similar terms and risk characteristics, including loans originated by First Guaranty and loans lost to a competitor.&#160; The sample provides a guide to determine market terms pursuant to ASC 310-40-50-2.&#160; The loan is also evaluated at that time for impairment&#160; A loan determined to be restructured to market terms and not considered impaired will no longer be disclosed as a TDR in the years following the restructuring.&#160; <font style="display: inline;">These loans will continue to be individually evaluated for impairment.</font>&#160; A loan determined to either be restructured to below market terms or to be impaired will remain a TDR.&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; text-align: justify;">Credit Quality</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify;">&#160;</div><div style="text-align: justify;"><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">First Guaranty's credit quality indicators are pass, special mention, substandard, and doubtful.</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; display: block; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans included in the pass category are performing loans with satisfactory debt coverage ratios, collateral, payment history, and documentation requirements.</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; display: block; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Special mention loans have potential weaknesses that deserve close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects. Borrowers may be experiencing adverse operating trends (declining revenues or margins) or an ill proportioned balance sheet (e.g., increasing inventory without an increase in sales, high leverage, tight liquidity). Adverse economic or market conditions, such as interest rate increases or the entry of a new competitor, may also support a special mention rating. Nonfinancial reasons include management problems, pending litigation, an ineffective loan agreement or other material structural weakness, and any other significant deviation from prudent lending practices.</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; display: block; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">A substandard loan is inadequately protected by the paying capacity of the obligor or of the collateral pledged, if any. Loans classified as substandard have a well-defined weakness. They are characterized by the distinct possibility that First Guaranty will sustain some loss if the deficiencies are not corrected. These loans require more intensive supervision. Substandard loans are generally characterized by current or expected unprofitable operations, inadequate debt service coverage, inadequate liquidity, or marginal capitalization. Repayment may depend on collateral or other credit risk mitigates. For some substandard loans, the likelihood of full collection of interest and principal may be in doubt and interest is no longer accrued. Consumer loans that are 90 days or more past due or that are nonaccrual are considered substandard.</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Doubtful loans have the weaknesses of substandard loans with the additional characteristic that the weaknesses make collection or liquidation in full questionable and there is a high probability of loss based on currently existing facts, conditions and values.</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><font style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; font-style: normal; display: inline;">A loan is considered impaired when, based on current information and events, it is probable that First Guaranty will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by Management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#8217;s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan&#8217;s effective interest rate, the loan&#8217;s obtainable market price or the fair value of the collateral if the loan is collateral dependent. This process is only applied to impaired loans or relationships in excess of $250,000. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, individual consumer and residential loans are not separately identified for impairment disclosures, unless such loans are the subject of a restructuring agreement. Loans that have been restructured in a troubled debt restructuring will continue to be evaluated individually for impairment, including those no longer requiring disclosure.</font></div></div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><div style="font-weight: bold; font-style: italic;">Acquired Loans</div></div></div><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; font-style: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans are recorded at estimated fair value on their purchase date with no carryover of the related allowance for loan losses. Acquired loans are segregated between those with deteriorated credit quality at acquisition and those deemed as performing. To make this determination, Management considers such factors as past due status, nonaccrual status, credit risk ratings, interest rates and collateral position. The fair value of acquired loans deemed performing is determined by discounting cash flows, both principal and interest, for each pool at prevailing market interest rates as well as consideration of inherent potential losses. The difference between the fair value and principal balances due at acquisition date, the fair value discount, is accreted into income over the estimated life of each loan pool.</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; font-style: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans acquired in a business combination are recorded at their estimated fair value on their purchase date with no carryover of the related allowance for loan losses. Performing acquired loans are subsequently evaluated for any required allowance at each reporting date. An allowance for loan losses is calculated using a similar methodology for originated loans.</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; font-style: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; font-style: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><strong><em>Loan fees and costs</em></strong></div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; font-style: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; font-style: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Nonrefundable loan origination and commitment fees and direct costs associated with originating loans are deferred and recognized over the lives of the related loans as an adjustment to the loans' yield using the level yield method.</div></div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><div style="font-weight: bold; font-style: italic; display: inline;">Allowance for loan losses</div></div><div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The allowance for loan losses is established through a provision for loan losses charged to expense. Loans are charged against the allowance for loan losses when Management believes that the collectability of the principal is unlikely. The allowance, which is based on evaluation of the collectability of loans and prior loan loss experience, is an amount that, in the opinion of Management, reflects the risks inherent in the existing loan portfolio and exists at the reporting date. The evaluations take into consideration a number of subjective factors including changes in the nature and volume of the loan portfolio, historical losses, overall portfolio quality, review of specific problem loans, current economic conditions that may affect a borrower&#8217;s ability to pay, adequacy of loan collateral and other relevant factors. In addition, regulatory agencies, as an integral part of their examination process, periodically review the estimated losses on loans. Such agencies may require additional recognition of losses based on their judgments about information available to them at the time of their examination.</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following are general credit risk factors that affect First Guaranty's loan portfolio segments.&#160; These factors do not encompass all risks associated with each loan category.&#160; Construction and land development loans have risks associated with interim construction prior to permanent financing and repayment risks due to the future sale of developed property.&#160; Farmland and agricultural loans have risks such as weather, government agricultural policies, fuel and fertilizer costs, and market price volatility.&#160; 1-4 family, multi-family, and consumer credits are strongly influenced by employment levels, consumer debt loads and the general economy.&#160; Non-farm non-residential&#160;loans include both owner occupied real estate and non-owner occupied real estate.&#160; Common risks associated with these properties is the ability to maintain tenant leases and keep lease income at a level able to service required debt and operating expenses.&#160; Commercial and industrial loans generally have non-real estate secured collateral which requires closer monitoring than real estate collateral.</div><font style="font-size: 12pt; font-family: 'Times New Roman'; display: inline;">&#160;&#160;</font></div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="display: inline;">Although Management uses available information to recognize losses on loans, because of uncertainties associated with local economic conditions, collateral values and future cash flows on impaired loans, it is reasonably possible that a material change could occur in the allowance for loan losses in the near term. However, the amount of the change that is reasonably possible cannot be estimated.&#160; </font><font style="display: inline;">The evaluation of the adequacy of loan collateral is often based upon estimates and appraisals. Because of changing economic conditions, the valuations determined from such estimates and appraisals may also change. Accordingly, First Guaranty may ultimately incur losses that vary from Management's current estimates. Adjustments to the allowance for loan losses will be reported in the period such adjustments become known or can be reasonably estimated. All loan losses are charged to the allowance for loan losses when the loss actually occurs or when&#160;the collectability of the principal is unlikely. Recoveries are credited to the allowance at the time of recovery.</font></div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; display: inline;"><div style="font-size: 12pt; font-family: Times New Roman; font-weight: normal; font-style: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The allowance consists of specific, general, and unallocated components. The specific component relates to loans that are classified as doubtful, substandard, and impaired. For such loans that are also classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. Also, a specific reserve is allocated for syndicated loans. The general component covers non-classified loans and special mention loans and is based on historical loss experience adjusted for qualitative factors. An unallocated component is maintained to cover uncertainties that could affect the estimate of probable losses.</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; font-style: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; font-style: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The allowance for loan losses is reviewed on a monthly basis. <font style="display: inline;">The monitoring of credit risk also extends to unfunded credit commitments, such as unused commercial credit lines and letters of credit. A reserve is established as needed for estimates of probable losses on such commitments.</font><font style="display: inline;">&#160;</font><font style="display: inline;">&#160;</font></div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; font-style: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div>Goodwill and intangible assets</div></div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><div style="font-size: 9pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><br /><font style="font-size: 12pt; font-family: 'Times New Roman'; display: inline;">Goodwill and intangible assets deemed to have indefinite lives are subject to annual impairment tests. First Guaranty's goodwill is tested for impairment on an annual basis, or more often if events or circumstances indicate that there may be impairment. Adverse changes in the economic environment, declining operations, or other factors could result in a decline in the implied fair value of goodwill. If the implied fair value is less than the carrying amount, a loss would be recognized in other non-interest expense to reduce the carrying amount to implied fair value of goodwill. The goodwill impairment test includes two steps that are preceded by a, &#8220;step zero&#8221;, qualitative test. The qualitative test allows Management to assess whether qualitative factors indicate that it is more likely than not that impairment exists. If it is not more likely than not that impairment exists, then no impairment exists and the two step quantitative test would not be necessary. These qualitative indicators include factors such as earnings, share price, market conditions, etc. If the qualitative factors indicate that it is more likely than not that impairment exists, then the two step quantitative test would be necessary. Step one is used to identify potential impairment and compares the estimated fair value of a reporting unit with its carrying amount, including goodwill. If the estimated fair value of a reporting unit exceeds its carrying amount, goodwill of the reporting unit is not considered impaired. If the carrying amount of a reporting unit exceeds its estimated fair value, the second step of the goodwill impairment test is performed to measure the amount of impairment loss, if any. Step two of the goodwill impairment test compares the implied estimated fair value of reporting unit goodwill with the carrying amount of that goodwill. 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text-indent: 0pt;">-</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 4%; text-align: right;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 4%; text-align: right;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 4%; text-align: right;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; 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text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; border-bottom: black 2px solid; text-align: right;">-</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 4%; border-bottom: black 2px solid; text-align: right;">&#160;-</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 13%; border-bottom: black 2px solid; 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width: 1%; padding-bottom: 2px; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 4%; border-bottom: black 2px solid; text-align: right;">&#160;-</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; border-bottom: black 2px solid; font-weight: normal; text-align: right;">-</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 4%; border-bottom: black 2px solid; text-align: right;">&#160;-</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 2px solid; text-align: right;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 13%; border-bottom: black 2px solid; font-weight: normal; text-align: right;">-</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right;">&#160;</td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; font-weight: bold; padding-bottom: 2px; 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width: 6%; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">48,233</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">40,599</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,077</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #ffffff;"><div style="margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">41,676</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; text-align: left; background-color: #cceeff;">Mortgage-backed securities</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">28,891</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">-</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">(283</td><td valign="bottom" style="font-size: 12pt; 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font-family: 'Times New Roman'; width: 1%; font-weight: bold; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">-</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">-</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">-</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; text-align: right; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; padding-bottom: 2px; text-align: left; background-color: #ffffff;"><div style="font-weight: bold; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total available-for-sale securities</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; 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font-family: 'Times New Roman'; width: 6%; border-bottom: black 4px double; text-align: right; background-color: #ffffff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3,160</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 4px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 4px double; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 4px double; text-align: right; background-color: #ffffff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(4,644</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 4px; text-align: left; background-color: #ffffff;"><div style="font-weight: bold; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">)</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1.14%; border-bottom: black 4px double; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 4px double; text-align: right; background-color: #ffffff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">376,369</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; font-weight: bold; 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margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 4px double; text-align: right; background-color: #ffffff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">5,526</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 4px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 4px double; text-align: right; background-color: #ffffff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 4px double; text-align: right; 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</td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1.14%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #cceeff;">&#160;</td></tr><tr style="height: 22px;"><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 25%; border-bottom: black 2px solid; text-align: left; background-color: #ffffff;"><div style="font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Held to maturity:</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1.14%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; 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font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;"><div style="margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;"><div style="margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; background-color: #cceeff;"><div style="margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;"><div style="text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(721</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: left; background-color: #cceeff;"><div style="margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">)</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1.14%; text-align: right; background-color: #cceeff;"><div style="margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; text-align: right; background-color: #cceeff;"><div style="margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">76,622</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 2%; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; text-align: right; 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margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 4px double; text-align: right; background-color: #cceeff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">9</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160; </td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; border-bottom: black 4px double; text-align: right; background-color: #cceeff;"><div style="font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 6%; border-bottom: black 4px double; text-align: right; 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font-family: 'Times New Roman'; width: 1%; border-bottom: black 4px double; font-weight: bold; text-align: right;">$</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 10%; border-bottom: black 4px double; font-weight: bold;">592,010</td><td align="right" valign="bottom" style="font-size: 12pt; font-family: 'Times New Roman'; width: 1%; font-weight: bold; padding-bottom: 4px;">&#160;</td></tr></table></div></div> 0.1 0.1 0.1 0.1 16694000 5244000 293000 16401000 0 0 20862000 15618000 1847000 2198000 473000 351000 0 0 1577000 1104000 4000 4000 4000 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; text-align: justify;">Credit Quality</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify;">&#160;</div><div style="text-align: justify;"><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">First Guaranty's credit quality indicators are pass, special mention, substandard, and doubtful.</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; display: block; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans included in the pass category are performing loans with satisfactory debt coverage ratios, collateral, payment history, and documentation requirements.</div><div style="font-size: 12pt; font-family: 'Times New Roman'; text-align: justify; display: block; text-indent: 0pt;">&#160;</div><div style="font-size: 12pt; font-family: 'Times New Roman'; font-weight: normal; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Special mention loans have potential weaknesses that deserve close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects. Borrowers may be experiencing adverse operating trends (declining revenues or margins) or an ill proportioned balance sheet (e.g., increasing inventory without an increase in sales, high leverage, tight liquidity). Adverse economic or market conditions, such as interest rate increases or the entry of a new competitor, may also support a special mention rating. 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Factors considered by Management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#8217;s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan&#8217;s effective interest rate, the loan&#8217;s obtainable market price or the fair value of the collateral if the loan is collateral dependent. This process is only applied to impaired loans or relationships in excess of $250,000. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, individual consumer and residential loans are not separately identified for impairment disclosures, unless such loans are the subject of a restructuring agreement. 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Inc. [Member] Net increase in loans Payments for (Proceeds from) Loans and Leases Redemption of preferred stock Preferred stock, total redemption price Funds invested in Federal Home Loan Bank stock Payments to Acquire Federal Reserve Bank Stock Funds Invested in AFS securities Payments to Acquire Available-for-sale Securities Dividends paid Payments of Dividends Purchases of premises and equipment Payments to Acquire Property, Plant, and Equipment Funds invested in HTM securities Payments to Acquire Held-to-maturity Securities Funds invested in certificates of deposit Payments to Acquire Restricted Certificates of Deposit Portion at Fair Value Measurement [Member] [Default] Portion at Fair Value Measurement [Member] Preferred stock, par value (in dollars per share) Preferred stock dividend rate Series C - $1,000 par value - authorized 39,435 shares; issued and outstanding 0 and 39,435 Preferred Stock, Value, Issued Preferred Stock Preferred Stock [Text Block] Preferred stock: Preferred Stock [Abstract] Preferred stock, shares issued (in shares) Preferred Stock, Shares Issued Preferred stock liquidation value per share (in dollars per share) Preferred stock, shares authorized (in shares) Preferred stock dividends Less preferred stock dividends Preferred Stock Dividends, Income Statement Impact Preferred stock, shares outstanding (in shares) Preferred Stock, Shares Outstanding Preferred Stock [Member] Reclassifications Net decrease in federal funds purchased and short-term borrowings Dividends received from bank subsidiary Proceeds from Dividends Received Proceeds from maturities and calls of certificates of deposit Proceeds from junior subordinated debentures, net of costs Proceeds from Issuance of Subordinated Long-term Debt Proceeds from issuance of preferred stock Proceeds from long-term debt, net of costs Proceeds from long-term borrowings, net of costs Proceeds from Issuance of Long-term Debt Level 1 securities available for sale Proceeds from Maturities, Prepayments and Calls of Available-for-sale Securities Issuance of common stock, net of costs Proceeds from sale/redemption of Federal Home Loan Bank stock Proceeds from Sale of Federal Reserve Bank Stock Proceeds from maturities, calls and sales of AFS securities Proceeds from maturities and calls of HTM securities Proceeds from Sale and Maturity of Held-to-maturity Securities Proceeds from sales of other real estate owned Proceeds from sales of premises and equipment Premises and Equipment Property, Plant and Equipment [Table Text Block] Premises and Equipment Property, Plant and Equipment, Impairment [Policy Text Block] Property, Plant and Equipment, Type [Axis] Premises and Equipment [Abstract] Premises and equipment [Abstract] Estimated useful life Property, Plant and Equipment, Type [Domain] Net book value Premises and equipment, net Acquired value Property, Plant and Equipment [Line Items] Premises and Equipment Property, Plant and Equipment Disclosure [Text Block] Provision Provision for Loan, Lease, and Other Losses Less: Provision for loan losses Provision for loan losses Range [Domain] Range [Axis] Other Real Estate [Abstract] Other Real Estate Real Estate Owned [Text Block] Receivable [Domain] Loans [Abstract] Gains reclassified out of AOCI into earnings, net of tax Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax Capital Requirements Regulatory Capital Requirements under Banking Regulations [Text Block] Deposit from related party Related Party Transactions Related Party Transactions Disclosure [Text Block] Related Party Transaction [Line Items] Related Party [Axis] Expenses from transactions with related party Related Party [Domain] Related Party Transactions [Abstract] Repayment of long-term debt Repayment of long-term borrowings Repayments of Long-term Debt Counterparty Name [Domain] Retained Earnings [Member] Retained earnings Revolving Credit Facility [Member] Total Risk-based Capital, Ratio [Abstract] Risk Based Ratios [Abstract] Concentrations of Credit and Other Risks [Abstract] Substandard [Member] Amortization Expense of Core Deposit Intangible Assets for Next Five Years Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block] Average daily outstanding Maximum month-end outstanding Schedule of Financing Receivable, Allowance for Credit Losses [Table] Schedule of Financing Receivables, Non Accrual Status Schedule of Financing Receivables, Non Accrual Status [Table Text Block] Schedule of Impaired Financing Receivable [Table] Schedule of Related Party Transactions Condensed Statements of Income Condensed Income Statement [Table Text Block] Summary of Significant Components of Other Noninterest Expense Schedule of Other Nonoperating Income (Expense) [Table Text Block] Schedule of Financing Receivable, Troubled Debt Restructurings [Table] Provision for Income Taxes Finite-lived Intangible Assets Schedule of Finite-Lived Intangible Assets [Table Text Block] Schedule of Other than Temporary Impairment, Credit Losses Recognized in Earnings [Table] Obligations on Long-term Debt and Junior Subordinated Debentures Effective Income Tax Rate Reconciliation Components of Deferred Tax Assets and Liabilities Condensed Balance Sheets Condensed Balance Sheet [Table Text Block] Condensed Statements of Cash Flows Condensed Cash Flow Statement [Table Text Block] Schedule of Financing Receivables Past Due [Table] Schedule of Financing Receivable, Recorded Investment, Credit Quality Indicator [Table] Schedule of Finite-Lived Intangible Assets [Table] Schedule of Unrealized Loss on Investments Schedule of Unrealized Loss on Investments [Table Text Block] Schedule of Available-for-sale Securities [Table] Schedule of Available-for-sale Securities [Line Items] Summary of Fixed and Floating Rate Loans by Contractual Maturity, Excluding Nonaccrual Loans Schedule of Financing Receivables, Minimum Payments [Table Text Block] Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table] Condensed Financial Statements [Table] Schedule of Condensed Financial Statements [Table] Actual and Required Capital Amounts and Ratios Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block] Schedule of Fair Value, Off-balance Sheet Risks [Table] Schedule of Held-to-maturity Securities [Line Items] Schedule of Held-to-maturity Securities [Table] Schedule of Property, Plant and Equipment [Table] Property, Plant and Equipment [Table] Schedule of Related Party Transactions, by Related Party [Table] Schedule of Stock by Class [Table] Schedule of Accounts, Notes, Loans and Financing Receivable [Table] Short-term Borrowings Schedule of Short-term Debt [Table Text Block] Summary of Components of Loan Portfolio Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] Schedule of Exposure to Investment Securities Issuers that Exceeded 10% of Shareholder's Equity Schedules of Concentration of Risk, by Risk Factor [Table Text Block] Senior long-term debt Secured Debt Senior Long-term Debt [Member] Secured Debt [Member] Securities sold under agreements to repurchase Operating Segments Operating Segments [Abstract] Series A Preferred Stock $1,000 Par [Member] Series A Preferred Stock [Member] Series C Preferred Stock $1,000 Par [Member] Series C Preferred Stock [Member] Series B Preferred Stock $1,000 Par [Member] Series B Preferred Stock [Member] Mortgage Servicing Rights [Member] Servicing Contracts [Member] Short-term borrowings [Abstract] Short-term Debt [Abstract] Short-term borrowings Total short-term borrowings Outstanding at year end Short-term debt Weighted average rate during the year Business and Summary of Significant Accounting Policies Significant Accounting Policies [Text Block] Special Mention [Member] Statement [Line Items] CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY [Abstract] Condensed Statements of Cash Flows [Abstract] CONSOLIDATED STATEMENTS OF CASH FLOWS [Abstract] CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) [Abstract] Equity Components [Axis] Statement [Table] CONSOLIDATED BALANCE SHEETS [Abstract] Condensed Balance Sheets [Abstract] Class of Stock [Axis] Preferred stock redeemed, Series C Stock Redeemed or Called During Period, Value Preferred stock redeemed (in shares) Common stock issued in initial public offering, 689,172 shares Common stock issued in initial public offering (in shares) Shareholders' Equity Stockholders' Equity, Total [Member] Balance Balance Total Shareholders' Equity Shareholders' Equity Stockholders' Equity Attributable to Parent Subsequent Event Type [Axis] Subsequent Event [Member] Subsequent Event Type [Domain] Bank [Member] Cash paid during the period: Supplemental Cash Flow Information [Abstract] Operating supplies Threshold period past due for charge-off of loans Threshold Period Past Due for Write-off of Financing Receivable Taxes - sales, capital and franchise Actual Ratio Tier One Leverage Capital to Average Assets Actual Amount Tier One Risk Based Capital Actual Amount Tier One Leverage Capital Actual Ratio Tier One Risk Based Capital to Risk Weighted Assets Minimum Capital Requirement Tier One Leverage Capital Required for Capital Adequacy Minimum Capital Requirement Tier One Risk Based Capital Required for Capital Adequacy Minimum to be Well Capitalized Under Action Provisions Tier One Risk Based Capital Required to be Well Capitalized Minimum Capital Requirement Tier One Leverage Capital Required for Capital Adequacy to Average Assets Minimum Capital Requirement Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets Tier 1 Leverage Capital, Amount [Abstract] Tier One Leverage Capital [Abstract] Minimum to be Well Capitalized Under Action Provisions Tier One Leverage Capital Required to be Well Capitalized Minimum to be Well Capitalized Under Action Provisions Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets Minimum to be Well Capitalized Under Action Provisions Tier One Leverage Capital Required to be Well Capitalized to Average Assets Tier 1 Capital, Amount [Abstract] Tier One Risk Based Capital [Abstract] 2019 2018 2017 2016 Total Time Loans transferred to foreclosed assets Transfers of Financial Assets Financial Instruments [Domain] Travel and lodging Treasury stock (in shares) Reclassification of treasury stock under the LBCA Treasury Stock, Retired, Par Value Method, Amount Treasury Stock [Member] Treasury stock, at cost, 0 and 3,184 shares Treasury Stock, Value Troubled Debt Restructurings Unallocated [Member] Unallocated Financing Receivables [Member] Undistributed earnings Interest on income taxes expense Interest on income taxes accrued Income tax penalties accrued Income tax penalties expense Use of Estimates US Government Agencies [Member] US Government Agencies Debt Securities [Member] Municipal Bonds [Member] US Treasuries [Member] US Government Agencies [Member] Telephone Variable Rate [Axis] Variable Rate [Domain] Weighted Average Common Shares Outstanding (in shares) Weighted Average Number of Shares Outstanding, Basic Debt securities issued by domestic or foreign corporate business, banks and other entities with a promise of repayment. Corporate Debt Securities One [Member] Corporate Debt Securities One [Member] Debt securities issued by domestic or foreign corporate business, banks and other entities with a promise of repayment. Corporate Debt Securities Two [Member] Refers to the number of issuers having other-than-temporary impairment losses during the period. Number of Issuers Having Other-than-Temporary Impairment Losses Number of issuers having other-than-temporary impairment losses Number of securities which has a credit-related other-than-temporary impairment (OTTI) losses during the period. Other than Temporary Impairment Losses, Securities, Number of Securities with Credit-Related OTTI Loses Number of securities with credit related OTTI losses Litigation [Abstract] Refer to number of deposits of depositing authorities. Number of deposits of depositing authorities The carrying amount of the public fund deposits. Public fund deposits Refer to percentage of entity deposits derived from local government agencies. Percentage of entity deposits Percentage of entity deposits Refers to maximum percentage of outstanding capital stock for dividends may not be paid. Percentage of outstanding capital stock maximum Percentage of outstanding capital stock, maximum The entire disclosure of dividend restrictions. Dividend Restrictions [Text Block] Dividend Restrictions Dividend Restrictions [Abstract] Refers to non interest net costs from other real estate and repossessions during the period. Net costs from other real estate and repossessions Net costs from other real estate and repossessions Refers to amortization of entity's long-term relationships with depositors, commonly known as core deposit intangibles, which are separate from the financial instruments themselves. Amortization of core deposits Amortization of core deposits Refers to donation made during the period. Donations Donations Refers to non interest expense incurred for regulatory assessment during the period by the entity. Regulatory assessment Refers to other noninterest expenses that are not separately presented in any other noninterest expense category. Non interest Expense Other Other The entire disclosure of other expenses. Other Expenses [Text Block] Other Expenses Reflects the amount of the financial receivables related to a troubled debt restructuring, which were transferred to other real estate during the period. Financing Receivable, Modifications, Transferred to Other Real Estate Transferred to ORE The amount of new investment related to financing receivables that have been modified by troubled debt restructurings during the period. Financing Receivable, Modifications, Additions New TDRs Reflects the amount of investment related to financing receivables constructed to permanent financing related to a troubled debt restructuring. Financing Receivable, Modifications, Construction to Permanent Financing Construction to permanent financing Reflects the amount of investment related to financing receivables restructured to market terms related to a troubled debt restructuring. Financing Receivable, Modifications, Restructured to Market Terms Restructured to market terms Reflects the amount of paydowns of investment related to financing receivables that have been modified by troubled debt restructurings during the period. Financing Receivable, Modifications, Paydowns Paydowns A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period. Troubled Debt Restructuring Activity [Roll Forward] TDR activity [Roll Forward] Refers to amount of loan that is no longer considered impaired but is still individually evaluated for impairment. Loan individually evaluated for impairment Loan that is no longer considered impaired but is still individually evaluated for impairment Average recorded investment in financing receivables after undergoing trouble debt restructuring that are on nonaccrual status as of the balance sheet date. Financing Receivable Average Recorded Investment Nonaccrual Status Financing receivable average recorded investment nonaccrual status Refers to the amount related to loans totaling not accruing interest. Financing Receivable Recorded Investment not Accruing Interest Financing receivable recorded investment not accruing interest Financing receivables, excluding nonaccrual status notes, gross carrying amount that are maturing after one year or less. Financing receivables that are maturing after one year or less One year or less Financing receivables, excluding nonaccrual status notes, gross carrying amount that are maturing after five years but not more than fifteen years. Financing receivables that are maturing after five years but not more than fifteen years Five to 15 years Represents the floating rate loans. Floating Rate Loans [Member] Floating Rate Loans [Member] Represents the fixed rate loans. Fixed Rate Loans [Member] Fixed Rate Loans [Member] Loans amount before allowance of loans and leases held in portfolio and those classified as nonaccrual, including but not limited to, commercial and consumer loans. Loans And Leases Receivable Gross Carrying Amount Net Nonaccrual Subtotal Financing receivables, excluding nonaccrual status notes, gross carrying amount that are maturing after fifteen years. Financing receivables that are maturing after fifteen years Over 15 years Recorded investment in financing receivables that are at interest rate floor as of the balance sheet date. Financing Receivable, Recorded Investment, Floor Rate Loans at interest rate floor Financing receivables, excluding nonaccrual status notes, gross carrying amount that are maturing after one year but not more than five years. Financing receivables that are maturing after one year but not more than five years One to five years Financing Receivables, Fixed and Floating Rate Loans by Contractual Maturity [Abstract] The individual loan receivable's aggregate total carrying amount as a percentage of the total carrying amount of all loans. Notes, Loans and Financing Receivable, Percent of Total Outstanding Percent of category Loan modification for interest only with a reduction in scheduled amortization payments and contractual interest rate. Interest Only with Reduction in Scheduled Amortization Payments and Contractual Interest Rate [Member] Land in its natural state, with no man-made improvements as cleaning, clearing, digging, filling, grading, etc. Raw Land [Member] Raw Land [Member] Property for 1-4 family real estate and non-farm non-residential real estate. One to Four Family and Non Farm Non Residential [Member] 1-4 Family and Non-Farm Non-Residential [Member] Recorded investment in financing receivables after undergoing trouble debt restructuring that are on nonaccrual status as of the balance sheet date. Financing Receivable, Modifications, Recorded Investment, Nonaccrual Nonaccrual Recorded investment in financing receivables that are past due and still accruing. Financing Receivable, Modifications, Recorded Investment, Past Due and Still Accruing Accruing loans, past due Recorded investment in financing receivables that are current and accruing. Financing Receivable, Modifications, Recorded Investment, Current, Accruing Accruing loans, current Financing receivables that are more than 29 days past due but fewer than 90 days past due. Financing Receivables 30 To 89 Days Past Due [Member] 30-89 Days Past Due [Member] Carrying amount of other real estate not covered by loss sharing agreements not separately disclosed, including Non-farm non-residential. Non farm non residential Non-farm non-residential Carrying amount of other real estate not covered by loss sharing agreements not separately disclosed, including Construction & land development. Construction & land development Refers to the carrying amount of other real estate not covered by loss sharing agreements not separately disclosed, including residential. Residential real estate owned acquired by foreclosure Residential Tabular disclosure of the change in other real estate on properties owned acquired by foreclosure. Other real estate owned [Table Text Block] Components of Other Real Estate Owned Document and Entity Information [Abstract] Person serving on the board of directors (who collectively have responsibility for governing the entity). One of the ranking officers of the entity, appointed to the position by the board of directors. Directors and Executive Officers [Member] Arrangement between two parties who are joined by a special relationship prior to the deal. Related Party Two [Member] Champion Industries, Inc. [Member] The amount of travel expense incurred during the period on a debt or other obligation to a related party. Related Party Travel expenses Travel expenses for chairman and other directors Refers to contribution made to medical benefit plan in which several entities under common ownership of the Company's Chairman participate. Contribution to medical benefit plan Refer to the amount of unfunded commitments for which the entity is obligated to. Related Party Unfunded commitments Unfunded commitments Fair value of total debt and equity financial instruments including: (1) securities held-to-maturity, (2) trading securities, and (3) securities available-for-sale. Marketable Securities, Fair Value Fair value Exposure To Investment Securities Issuers That Exceeded 10 Percent of Shareholders' Equity [Abstract] Exposure to investment securities issuers that exceeded 10% of shareholders' equity [Abstract] A government-sponsored enterprise (GSE) that was created in 1938 to expand the flow of mortgage money by creating a secondary mortgage market. Fannie Mae is a publicly traded company which operates under a congressional charter that directs Fannie Mae to channel its efforts into increasing the availability and affordability of homeownership for low-, moderate- and middle-income Americans. Federal National Mortgage Association (Fannie Mae-FNMA) [Member] Federal National Mortgage Association (Fannie Mae-FNMA) [Member] Created in 1798, the United States Department of the Treasury is the government (Cabinet) department responsible for issuing all Treasury bonds, notes and bills. U.S. Treasuries [Member] Institution backed by the government to manage and merge the financing transactions of the Federal Intermediate Credit Banks and the Federal Land Banks. The institution must abide by rules set forth in the Farm Credit Act, which are enforced by an independent federal regulatory agency. Federal Farm Credit Bank (FFCB) [Member] A stockholder-owned, government-sponsored enterprise (GSE) chartered by Congress in 1970 to keep money flowing to mortgage lenders in support of homeownership and rental housing for middle income Americans. The FHLMC purchases, guarantees and securitizes mortgages to form mortgage-backed securities. The mortgage-backed securities that it issues tend to be very liquid and carry a credit rating close to that of U.S. Treasuries. Federal Home Loan Mortgage Corporation (Freddie Mac FHLMC) [Member] Federal Home Loan Mortgage Corporation (Freddie Mac-FHLMC) [Member] Represents the number of accounts at correspondent banks that exceeded the FDIC insurable limit. Number of Accounts That Exceeded FDIC Insurable Limit Number of accounts that exceeded FDIC insurable limit Amount of cash reserves required to be deposited with federal reserve bank. Federal reserve required cash deposit Reserve maintained at Federal Reserve Bank Tier One Risk Based Ratios [Abstract] Tier 1 Capital, Ratio [Abstract] Common Equity Tier 1 Risk-based capital as defined in the regulations. Common Equity Tier One Risk-Based Capital Actual Amount The minimum Common Equity Tier 1 Risk-based Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action. Common Equity Tier One Risk Based Capital Required For Capital Adequacy Minimum Capital Requirement The Common Equity Tier 1 Risk-weighted Capital ratio (Common Equity Tier 1 Capital divided by Risk-weighted Assets) as defined in the regulations. Common Equity Tier One Capital to Risk-Weighted Assets Actual Ratio The Common Equity Tier 1 Capital ratio (Common Equity Tier 1 Capital divided by Risk-based Assets) required to be categorized as "well capitalized" under the regulatory framework for prompt corrective action. Common Equity Tier One Risk-Based Capital to Risk-Weighted Assets Required to Be Well Capitalized Minimum to be Well Capitalized Under Action provisions The minimum Common Equity Tier 1 Capital ratio (Common Equity Tier 1 Capital divided by Risk-based Assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action. Common Equity Tier One Risk Based Capital To Risk Weighted Assets Required For Capital Adequacy Minimum Capital Requirement The Common Equity Tier 1 Risk-based Capital required to be categorized as "well capitalized" under the regulatory framework for prompt corrective action. Common Equity Tier One Risk-Based Capital Required to Be Well Capitalized Minimum to be Well Capitalized Under Action Provisions Common Equity Tier One Capital [Abstract] Common Equity Tier One Capital, Amount [Abstract] Common Equity Tier One Risk Based Ratios [Abstract] Common Equity Tier One Capital, Ratio [Abstract] Actual and Required Capital Amounts and Ratios [Abstract] Actual and required capital amounts and ratios [Abstract] An organization created by the Federal Home Loan Bank Act of 1932 to increase the amount of funds available for lending institutions who provide mortgages and similar loan agreements to individuals. Federal Home Loan Bank (FHLB) [Member] Period past due after which loans are considered substandard, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Period Past Due after Which Loans Are Considered Substandard Period past due after which loans are considered substandard All financing receivables related to all financing receivables except mortgage loans. All Financing Receivables Except Mortgage Loans [Member] All Loans Except Mortgage Loans [Member] Refers to the past due period, after which loans are considered past due. Past Due Period after Which Loans are Considered Past Due Past due period after which loans are considered past due Credit Quality [Abstract] Credit Quality [Abstract] Loan to finance the purchase of single family residential real property. Single Family Residential Real Estate Loan [Member] Single-Family Residential [Member] Refers to the period within which loans held for sale are sold in the secondary market, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Period within Which Loans are Sold in Secondary Market Period within which loans are sold in secondary market Refers to mortgage loans are considered past due when two consecutive payments have been missed. Loans that are past due and deemed uncollectible are charged-off. The loan charge off is a reduction of the allowance for loan losses. Maximum Number of Days Loans Past Due and Uncollectable are Charged-off Maximum number of days loans past due and uncollectable are charged-off Period of payment performance after which loans are returned to accrual status, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Period of Payment Performance After Which Loans are Returned to Accrual Status Period of payment performance after which loans are returned to accrual status Refers to the past due period of a loan, after which evaluation is made for discontinuation of interest accrual on a loan when management believes, after considering economic and business conditions and collection efforts, the borrower's financial condition is such that reasonable doubt exists as to the full and timely collection of principal and interest, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Past Due Period after Which Evaluation is Made for Discontinuation of Interest Accrual on Loan Past due period after which evaluation is made for discontinuation of interest accrual on loan Refers to the number of consecutive payments missed, after which loans are considered past due. Number of Consecutive Payments Missed after Which Loans are Considered Past Due Number of consecutive payments missed after which loans are considered past due Vehicles that are used primarily for transporting people. Equipment commonly used in offices and stores that have no permanent connection to the structure of a building or utilities. Examples include, but are not limited to, desks, chairs, tables, and bookcases. Equipment, fixtures and automobiles [Member] Equipment, Fixtures and Automobiles [Member] Refers to the period of performance after which the Company evaluates TDRs that have subsequently been restructured and returned to market terms, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Period of Performance After Which Company Evaluates TDRs That Have Subsequently Been Restructured and Returned to Market Terms Period of performance, after which the Company evaluates TDRs that have subsequently been restructured and returned to market terms Refer to number of drive up banking facility. Number of drive up banking facility Refers to minimum balance of impaired loans over which impairment method is applied. Minimum balance of impaired loans over which impairment method is applied Troubled Debt Restructurings [Abstract] Troubled Debt Restructurings (TDRs) [Abstract] Refer to the maximum period of fair value refinement after the closing date of acquisition. Maximum Period of Fair Value Refinement After Closing Date of Acquisition Maximum period of fair value refinement after closing date of acquisition Refer to number of automated teller machines. Number of automated teller machines Refer to number of banking offices. Number of banking offices Tabular disclosure of the notional amounts of outstanding financial instruments with off-balance sheet risk. Schedule of Notional Amounts of Financial Instruments with Off-Balance Sheet Risk [Table Text Block] Summary of Notional Amounts of Financial Instruments with Off-Balance Sheet Risk The percentage of the Company's interest in a subsidiary used as a secured pledge on a borrowing. Percentage of interest used secured pledge borrowings Percentage of interest used in secured pledge borrowings The number of shares of the Company's interest in a subsidiary used as a secured pledge on a borrowing. Number of shares used secured pledge borrowings Number of shares used in secured pledge borrowings (in shares) Tabular disclosure of the other than temporary impairment losses on available for sale securities. Schedule of Other than Temporary Impairment Losses on Available for Sale Securities [Table Text Block] Schedule of Other than Temporary Impairment Losses on Available-for-Sale Securities Tabular disclosure of the reconciliation of available-for-sale and held-to-maturity securities from cost basis to fair value. Schedule of Available-for-sale and Held-to-maturity Securities Reconciliation [Table Text Block] Summary Comparison of Securities by Type Refers to carrying amount of stock bought back by the entity at the exercise price or redemption price. Carrying amount of stock redeemed Refers to debt securities with unrealized losses as percentage of total individual securities' amortized cost basis. Debt securities with unrealized losses as percentage of total individual securities' amortized cost basis Debt securities with unrealized losses as percentage of total individual securities' amortized cost basis Disclosure regarding factors used to determine that the impairment of securities categorized as held-to-maturity where cost exceeds fair value is not an other than temporary impairment (OTTI). This item contains disclosure of the number of investment positions in the held-to-maturity investments determined to be temporarily impaired for less than twelve months. Held To Maturity Securities In Unrealized Loss Positions less than twelve months Qualitative Disclosure Number Of Positions Less than 12 months, number of securities Number of debt securities in a continuous debt positions of unrealized loss for which an other-than-temporary impairment (OTTI) has not been recognized in the income statement. Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions Number of debt securities with unrealized losses Disclosure regarding factors used to determine that the impairment of securities categorized as held-to-maturity where cost exceeds fair value is not an other than temporary impairment (OTTI). This item contains disclosure of the number of investment positions in the held-to-maturity investments determined to be temporarily impaired for more than twelve months. Held To Maturity Securities In Unrealized Loss Positions more Than Twelve Months Qualitative Disclosure Number Of Positions 12 months or more, number of securities Investments that may include mutual funds and equity securities. Mutual Fund and Equity Securities [Member] Mutual Funds or Other Equity Securities [Member] Number of debt securities that have been in a continuous debt position of unrealized loss position for greater than or equal to a year for which an other-than-temporary impairment (OTTI) has not been recognized in the income statement. Securities In Unrealized Loss Positions More Than Twelve Months Qualitative Disclosure Number Of Positions Number of debt securities in continuous loss position for over 12 months This item represents the amortized cost of securities that have been in a continuous unrealized loss position for twelve months or longer. Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Amortized Cost Basis Debt securities in a continuous loss position for over 12 months, amortized cost basis Refers to debt securities with unrealized losses as percentage of amortized cost basis of investment securities portfolio. Debt securities with unrealized losses as percentage of amortized cost basis of investment securities portfolio Debt securities with unrealized losses as percentage of amortized cost basis of investment securities portfolio Amount of accumulated unrealized loss on investments in debt securities in a continuous loss position. Securities, Continuous Unrealized Loss Position, Accumulated Loss Debt securities in a continuous loss position for over 12 months, unrealized loss Securities Disclosures [Abstract] Securities Disclosures [Abstract] A company's investment in its wholly-owned subsidiaries as of the balance sheet date. Investments In Subsidiaries Investment in bank subsidiary Tabular disclosure of maturities of deposits that cannot be withdrawn before a set date without penalty or for which notice of withdrawal is required. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts. Maturities Of Time Deposits [Table Text Block] Schedule of Maturities of All Time Deposits The percentage rate used to calculate dividend payments on common stock. Common Stock, Dividend Percentage Common stock, dividend percentage This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This element represents the fair value of impaired loans as of the balance sheet date. Impaired Loans Receivable Fair Value Disclosure Impaired loans measured at fair value This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This element represents the fair value of other real estate owned by bank. Other Real Estate Fair Value Disclosure Other real estate owned measured at fair value Financial Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis [Abstract] Assets measured on a nonrecurring basis [Abstract] Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) [Abstract] Total gains or losses (realized/unrealized) [Abstract] Adjustment to operating income to reflect stock dividends received on Federal Home Loan Bank stock. FHLB stock dividends FHLB stock dividends Disclosure of accounting policy related to credit quality of loans and lease receivables. Credit Quality [Policy Text Block] Credit Quality Disclosure of accounting policy for acquired loans. Acquired Loans [Policy Text Block] Acquired Loans The aggregate unused portion of a line of credit that is available to the borrower to withdrawn upon. Unfunded Commitment under lines of credits [Member] Unfunded Commitment under Lines of Credit [Member] Refers to maximum extension period of short term borrowings of the entity. Maximum Extension Period of Short Term Borrowing Maximum extension period of short-term borrowing Refers to extension period of majority of short term borrowings of the entity. Extension Period of majority of Short Term Borrowing Extension period of majority of short-term borrowing Amount before allocation of valuation allowances of deferred tax asset attributable to other real estate owned. Deferred Tax Assets, Other real estate owned Other real estate owned Amount of deferred tax liability attributable to taxable temporary differences from unrealized gains on available for sale securities. Deferred Tax Liabilities, Unrealized Gains on available for sale securities Unrealized gains on available for sale securities The portion of the difference between total income tax expense or benefit as reported in the Income Statement for the period and the expected income tax expense or benefit computed by applying the domestic federal statutory income tax rates to pretax income from continuing operations attributable to municipal income that is exempt from income taxes under enacted tax laws. Income Tax Reconciliation, Tax Exempt Income, Municipal Income Tax exempt municipal income Impaired Loans with an allowance recorded [Abstract] Impaired loans with an allowance recorded [Abstract] Portfolio segment of the company's total financing receivables related to non-real estate. Non-Real Estate Portfolio Segment [Member] Non-Real Estate [Member] Loan to finance the construction of real property or the development of land. Construction and Land Development [Member] Construction & Land Development [Member] Construction and Land Development [Member] Loan to finance the operations of agricultural activities. Agricultural [Member] Agricultural [Member] Loan to finance the purchase of multi-family residential real property. Multi-Family [Member] Multifamily [Member] Multifamily [Member] Loan to finance the purchase of farmland or the development of land. Farmland [Member] Farmland [Member] Loan to finance the purchase of 1 to 4 family residential real property. One to Four Family [Member] 1- 4 Family [Member] Loan to finance the purchase of non-farm non-residential real property. Non Farm Non Residential [Member] Non-Farm Non-Residential [Member] Loans issued to consumers and other entities not otherwise reported by category. Consumer and Other [Member] Loans issued to commercial and industrial institutions. 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Schedule of Short term Borrowings [Table Text Block] Schedule of Short-term Borrowings Equipment commonly used in offices and stores that have no permanent connection to the structure of a building or utilities and tangible personal property used to produce goods and services. Furniture and Equipment [Member] Furniture and Equipment [Member] Amount of time deposits maturing after the fourth fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts. Time Deposit Maturities After Year Four 2020 and thereafter The aggregate amount of domestic and foreign time deposit liabilities (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $250,000 or more. Time Deposits250000 Or More Aggregate amount of time deposits in denominations of $250,000 or more The entire disclosure of deposits. 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Document and Entity Information - USD ($)
 12 Months Ended
Dec. 31, 2015
Mar. 25, 2016
Jun. 30, 2015
Document and Entity Information [Abstract]      
Entity Registrant Name First Guaranty Bancshares, Inc.    
Entity Central Index Key 0001408534    
Current Fiscal Year End Date --12-31    
Entity Well-known Seasoned Issuer No    
Entity Voluntary Filers No    
Entity Current Reporting Status Yes    
Entity Filer Category Smaller Reporting Company    
Entity Public Float     $ 59,000,662
Entity Common Stock, Shares Outstanding   7,609,194  
Document Fiscal Year Focus 2015    
Document Fiscal Period Focus FY    
Document Type 10-K    
Amendment Flag false    
Document Period End Date Dec. 31, 2015    
XML 16 R2.htm IDEA: XBRL DOCUMENT v3.3.1.900
CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Dec. 31, 2015
Dec. 31, 2014
Cash and cash equivalents:    
Cash and due from banks $ 36,690 $ 44,365
Federal funds sold 582 210
Cash and cash equivalents 37,272 44,575
Interest-earning time deposits with banks 997 10,247
Investment securities:    
Available for sale, at fair value 376,369 499,808
Held to maturity, at cost (estimated fair value of $168,148 and $139,688, respectively) 169,752 141,795
Investment securities 546,121 641,603
Federal Home Loan Bank stock, at cost 935 1,621
Loans, net of unearned income 841,583 790,321
Less: allowance for loan losses 9,415 9,105
Net loans 832,168 781,216
Premises and equipment, net 22,019 19,211
Goodwill 1,999 1,999
Intangible assets, net 1,394 1,733
Other real estate, net 1,577 2,198
Accrued interest receivable 6,015 6,384
Other assets 9,256 8,089
Total Assets 1,459,753 1,518,876
Deposits:    
Noninterest-bearing demand 213,203 207,969
Interest-bearing demand 409,209 432,294
Savings 81,448 74,550
Time 592,010 657,026
Total deposits 1,295,870 1,371,839
Short-term borrowings 1,800 1,800
Accrued interest payable 1,707 1,997
Senior long-term debt 25,824 1,455
Junior subordinated debentures 14,597 0
Other liabilities 1,731 2,202
Total Liabilities 1,341,529 1,379,293
Preferred stock:    
Series C - $1,000 par value - authorized 39,435 shares; issued and outstanding 0 and 39,435 0 39,435
Common stock:    
$1 par value - authorized 100,600,000 shares; issued 7,609,194 and 6,923,206 shares [1] 7,609 6,923
Surplus 61,584 51,646
Treasury stock, at cost, 0 and 3,184 shares 0 (54)
Retained earnings 49,932 41,392
Accumulated other comprehensive income (loss) (901) 241
Total Shareholders' Equity 118,224 139,583
Total Liabilities and Shareholders' Equity $ 1,459,753 $ 1,518,876
[1] 2014 and 2015 share amounts reflect the ten percent stock dividend paid December 17, 2015 to shareholders of record as of December 10, 2015.
XML 17 R3.htm IDEA: XBRL DOCUMENT v3.3.1.900
CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($)
$ in Thousands
 1 Months Ended 12 Months Ended
Dec. 31, 2015
Dec. 31, 2015
Dec. 31, 2014
Investment securities:      
Held to maturity, estimated fair value $ 168,148 $ 168,148 $ 139,688
Common stock:      
Common stock, par value (in dollars per share) $ 1 $ 1 $ 1
Common stock, shares authorized (in shares) 100,600,000 100,600,000 100,600,000
Common stock, shares issued (in shares) 7,609,194 7,609,194 6,923,206
Treasury stock (in shares) 0 0 3,184
Common stock, dividend percentage 10.00% 10.00% 10.00%
Common stock, dividend paid date   Dec. 17, 2015  
Common stock, dividend record date   Dec. 10, 2015  
Series C Preferred Stock [Member]      
Preferred stock:      
Preferred stock, par value (in dollars per share) $ 1,000 $ 1,000 $ 1,000
Preferred stock, shares authorized (in shares) 39,435 39,435 39,435
Preferred stock, shares issued (in shares) 0 0 39,435
Preferred stock, shares outstanding (in shares) 0 0 39,435
XML 18 R4.htm IDEA: XBRL DOCUMENT v3.3.1.900
CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Interest Income:      
Loans (including fees) $ 42,536 $ 39,787 $ 37,289
Deposits with other banks 72 115 157
Securities (including FHLB stock) 13,471 13,395 13,439
Federal funds sold 0 0 1
Total Interest Income 56,079 53,297 50,886
Interest Expense:      
Demand deposits 1,419 1,312 1,262
Savings deposits 38 33 41
Time deposits 6,985 7,716 9,682
Borrowings 166 141 149
Total Interest Expense 8,608 9,202 11,134
Net Interest Income 47,471 44,095 39,752
Less: Provision for loan losses 3,864 1,962 2,520
Net Interest Income after Provision for Loan Losses 43,607 42,133 37,232
Noninterest Income:      
Service charges, commissions and fees 2,736 2,767 3,006
ATM and debit card fees 1,779 1,671 1,634
Net gains on securities 3,300 295 1,571
Net gain (loss) on sale of loans 4 (12) (70)
Other 1,137 1,456 1,337
Total Noninterest Income 8,956 6,177 7,478
Noninterest Expense:      
Salaries and employee benefits 15,496 15,840 14,368
Occupancy and equipment expense 3,845 3,928 3,949
Other 11,754 11,826 12,670
Total Noninterest Expense 31,095 31,594 30,987
Income Before Income Taxes 21,468 16,716 13,723
Less: Provision for income taxes 6,963 5,492 4,577
Net Income 14,505 11,224 9,146
Preferred stock dividends (384) (394) (713)
Income Available to Common Shareholders $ 14,121 $ 10,830 $ 8,433
Per Common Share:      
Earnings (in dollars per share) [1] $ 2.01 $ 1.57 $ 1.22
Cash dividends paid (in dollars per share) [1] $ 0.60 $ 0.58 $ 0.58
Weighted Average Common Shares Outstanding (in shares) 7,013,869 6,920,022 6,920,022
[1] All share and per share amounts reflect the ten percent stock dividend paid December 17, 2015 to shareholders of record as of December 10, 2015.
XML 19 R5.htm IDEA: XBRL DOCUMENT v3.3.1.900
CONSOLIDATED STATEMENTS OF INCOME (Parenthetical)
 1 Months Ended 12 Months Ended
Dec. 31, 2015
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Per Common Share:        
Common stock, dividend percentage 10.00% 10.00% 10.00% 10.00%
Common stock, dividend paid date   Dec. 17, 2015    
Common stock, dividend record date   Dec. 10, 2015    
XML 20 R6.htm IDEA: XBRL DOCUMENT v3.3.1.900
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) [Abstract]      
Net Income $ 14,505 $ 11,224 $ 9,146
Unrealized gains (losses) on securities:      
Unrealized holding gains (losses) arising during the period 1,394 14,499 (21,432)
Reclassification adjustments for net gains included in net income (3,300) (295) (1,571)
Reclassification of OTTI losses included in net income 175 0 0
Change in unrealized gains (losses) on securities (1,731) 14,204 (23,003)
Tax impact 589 (4,829) 7,821
Other comprehensive income (loss) (1,142) 9,375 (15,182)
Comprehensive Income (Loss) $ 13,363 $ 20,599 $ (6,036)
XML 21 R7.htm IDEA: XBRL DOCUMENT v3.3.1.900
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - USD ($)
$ in Thousands
Preferred Stock [Member]
Series C Preferred Stock $1,000 Par [Member]
Common Stock $1 Par [Member]
Surplus [Member]
Treasury Stock [Member]
Retained Earnings [Member]
Accumulated Other Comprehensive Income/(Loss) [Member]
Total
Balance at Dec. 31, 2012 $ 39,435 $ 6,923 $ 51,646 $ (54) $ 30,183 $ 6,048 $ 134,181
Increase (Decrease) in Stockholders' Equity [Roll Forward]              
Net income 0 0 0 0 9,146 0 9,146
Other comprehensive income 0 0 0 0 0 (15,182) (15,182)
Cash dividends on common stock 0 0 0 0 (4,027) 0 (4,027)
Preferred stock dividends 0 0 0 0 (713) 0 (713)
Balance at Dec. 31, 2013 39,435 6,923 51,646 (54) 34,589 (9,134) 123,405
Increase (Decrease) in Stockholders' Equity [Roll Forward]              
Net income 0 0 0 0 11,224 0 11,224
Other comprehensive income 0 0 0 0 0 9,375 9,375
Cash dividends on common stock 0 0 0 0 (4,027) 0 (4,027)
Preferred stock dividends 0 0 0 0 (394) 0 (394)
Balance at Dec. 31, 2014 39,435 6,923 51,646 (54) 41,392 241 139,583
Increase (Decrease) in Stockholders' Equity [Roll Forward]              
Net income 0 0 0 0 14,505 0 14,505
Reclassification of treasury stock under the LBCA [1] 0 (3) 0 54 (51) 0 0
Other comprehensive income 0 0 0 0 0 (1,142) (1,142)
Preferred stock redeemed, Series C (39,435) 0 0 0 0 0 (39,435)
Common stock issued in initial public offering, 689,172 shares [2] 0 689 9,938 0 (1,283) 0 9,344
Cash dividends on common stock 0 0 0 0 (4,247) 0 (4,247)
Preferred stock dividends 0 0 0 0 (384) 0 (384)
Balance at Dec. 31, 2015 $ 0 $ 7,609 $ 61,584 $ 0 $ 49,932 $ (901) $ 118,224
[1] Effective January 1, 2015, companies incorporated under Louisiana law became subject to the Louisiana Business Corporation Act (which replaces the Louisiana Business Corporation Law). Provisions of the Louisiana Business Corporation Act eliminate the concept of treasury stock and provide that shares reacquired by a company are to be treated as authorized but unissued shares. As a result of this change in law, shares previously classified as treasury stock were reclassified as a reduction to issued shares of common stock in the consolidated financial statements as of June 30, 2015, reducing the stated value of common stock and retained earnings.
[2] All share and per share amounts reflect the ten percent stock dividend paid December 17, 2015 to shareholders of record as of December 10, 2015.
XML 22 R8.htm IDEA: XBRL DOCUMENT v3.3.1.900
CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) - $ / shares
 1 Months Ended 12 Months Ended
Dec. 31, 2015
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Increase (Decrease) in Stockholders' Equity [Roll Forward]        
Common stock, par value (in dollars per share) $ 1 $ 1 $ 1 $ 1
Cash dividends per share (in dollars per share) [1]   $ 0.60 $ 0.58 $ 0.58
Common stock issued in initial public offering (in shares)   689,172    
Common stock, dividend percentage 10.00% 10.00% 10.00% 10.00%
Common stock, dividend paid date   Dec. 17, 2015    
Common stock, dividend record date   Dec. 10, 2015    
Series C Preferred Stock $1,000 Par [Member]        
Increase (Decrease) in Stockholders' Equity [Roll Forward]        
Preferred stock, par value (in dollars per share) $ 1,000 $ 1,000 $ 1,000 $ 1,000
[1] All share and per share amounts reflect the ten percent stock dividend paid December 17, 2015 to shareholders of record as of December 10, 2015.
XML 23 R9.htm IDEA: XBRL DOCUMENT v3.3.1.900
CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Cash Flows From Operating Activities:      
Net income $ 14,505 $ 11,224 $ 9,146
Adjustments to reconcile net income to net cash provided by operating activities:      
Provision for loan losses 3,864 1,962 2,520
Depreciation and amortization 1,995 2,143 2,111
Amortization/Accretion of investments 2,036 2,164 2,141
Gain on sale/call of securities (3,300) (295) (1,571)
Other than temporary impairment charge on securities 175 0 0
Loss (gain) on sale of assets (6) (17) 61
ORE and repossessed property writedowns and loss on disposition 411 665 335
FHLB stock dividends (4) (4) (4)
Net decrease in loans held for sale 0 88 469
Change in other assets and liabilities, net (2,461) (1,140) 1,958
Net cash provided by operating activities 17,215 16,790 17,166
Cash Flows From Investing Activities:      
Funds invested in certificates of deposit 0 (10,000) 0
Proceeds from maturities and calls of certificates of deposit 9,250 500 0
Proceeds from maturities and calls of HTM securities 72,036 8,279 16,184
Proceeds from maturities, calls and sales of AFS securities 723,249 535,167 626,433
Funds invested in HTM securities (48,318) 0 (107,616)
Funds Invested in AFS securities (650,698) (538,209) (533,320)
Proceeds from sale/redemption of Federal Home Loan Bank stock 3,554 4,169 3,268
Funds invested in Federal Home Loan Bank stock (2,864) (3,950) (3,825)
Net increase in loans (56,000) (92,697) (78,777)
Purchases of premises and equipment (4,400) (1,668) (1,757)
Proceeds from sales of premises and equipment 4 375 0
Proceeds from sales of other real estate owned 1,394 3,049 1,306
Net cash provided by (used in) investing activities 47,207 (94,985) (78,104)
Cash Flows From Financing Activities:      
Net (decrease) increase in deposits (75,969) 68,740 50,487
Net decrease in federal funds purchased and short-term borrowings 0 (3,988) (8,958)
Proceeds from long-term borrowings, net of costs 24,969 1,555 0
Repayment of long-term borrowings (600) (600) (600)
Proceeds from junior subordinated debentures, net of costs 14,597 0 0
Issuance of common stock, net of costs 9,344 0 0
Redemption of preferred stock (39,435) 0 0
Dividends paid (4,631) (4,421) (4,740)
Net cash (used in) provided by financing activities (71,725) 61,286 36,189
Net decrease in cash and cash equivalents (7,303) (16,909) (24,749)
Cash and cash equivalents at the beginning of the period 44,575 61,484 86,233
Cash and cash equivalents at the end of the period 37,272 44,575 61,484
Noncash activities:      
Loans transferred to foreclosed assets 1,184 2,330 2,604
Cash paid during the period:      
Interest on deposits and borrowed funds 8,898 9,569 11,610
Income taxes $ 8,400 $ 4,500 $ 2,850
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Business and Summary of Significant Accounting Policies
 12 Months Ended
Dec. 31, 2015
Business and Summary of Significant Accounting Policies [Abstract]  
Business and Summary of Significant Accounting Policies
Note 1.  Business and Summary of Significant Accounting Policies
 
Business
 
First Guaranty Bancshares, Inc. ("First Guaranty" or the “Company”) is a Louisiana corporation headquartered in Hammond, LA. First Guaranty owns all of the outstanding shares of common stock of First Guaranty Bank. First Guaranty Bank (the “Bank”) is a Louisiana state-chartered commercial bank that provides a diversified range of financial services to consumers and businesses in the communities in which it operates. These services include consumer and commercial lending, mortgage loan origination, the issuance of credit cards and retail banking services. The Bank also maintains an investment portfolio comprised of government, government agency, corporate, and municipal securities. The Bank has twenty-one banking offices, including one drive-up banking facility, and twenty-seven automated teller machines (ATMs) in Southeast, Southwest and North Louisiana.
 
Summary of significant accounting policies
    
The accounting and reporting policies of First Guaranty conform to generally accepted accounting principles and to predominant accounting practices within the banking industry. The more significant accounting and reporting policies are as follows:
 
Consolidation
 
The consolidated financial statements include the accounts of First Guaranty Bancshares, Inc., and its wholly owned subsidiary, First Guaranty Bank. All significant intercompany balances and transactions have been eliminated in consolidation.
 
Acquisition Accounting
 
Acquisitions are accounted for under the purchase method of accounting. Purchased assets, including identifiable intangibles, and assumed liabilities are recorded at their respective acquisition date fair values. If the fair value of net assets purchased exceeds the consideration given, a gain on acquisition is recognized. If the consideration given exceeds the fair value of the net assets received, goodwill is recognized. Fair values are subject to refinement for up to one year after the closing date of an acquisition as information relative to closing date fair values becomes available. Purchased loans acquired in a business combination are recorded at estimated fair value on their purchase date with no carryover of the related allowance for loan losses. See Acquired Loans section below for accounting policy regarding loans acquired in a business combination.
 
Use of estimates
    
The preparation of financial statements in conformity with generally accepted accounting principles requires Management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the dates of the financial statements and the reported amounts of revenue and expense during the reporting periods. Actual results could differ from those estimates.  Material estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for loan losses, the valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, and the valuation of investment securities. In connection with the determination of the allowance for loan losses and real estate owned, First Guaranty obtains independent appraisals for significant properties.
 
Cash and cash equivalents
    
For purposes of reporting cash flows, cash and cash equivalents are defined as cash, due from banks, interest-bearing demand deposits with banks and federal funds sold with maturities of three months or less.

Securities
 
First Guaranty reviews its financial position, liquidity and future plans in evaluating the criteria for classifying investment securities. Debt securities that Management has the ability and intent to hold to maturity are classified as held to maturity and carried at cost, adjusted for amortization of premiums and accretion of discounts using methods approximating the interest method. Securities available for sale are stated at fair value. The unrealized difference, if any, between amortized cost and fair value of these AFS securities is excluded from income and is reported, net of deferred taxes, in accumulated other comprehensive income as a part of shareholders’ equity. Details of other comprehensive income are reported in the consolidated statements of comprehensive income. Realized gains and losses on securities are computed based on the specific identification method and are reported as a separate component of other income. Amortization of premiums and discounts is included in interest income. Discounts and premiums related to debt securities are amortized using the effective interest rate method.
 
Management evaluates securities for other-than-temporary impairment ("OTTI") at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation.  In estimating other-than-temporary losses, management considers the length of time and extent that fair value has been less than cost and the financial condition and near term prospects of the issuer.  Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings.  For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in other comprehensive income.  The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings. 
 
Loans held for sale
 
Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated fair value in the aggregate. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. Loans held for sale have primarily been fixed rate single-family residential mortgage loans under contract to be sold in the secondary market. In most cases, loans in this category are sold within thirty days. Buyers generally have recourse to return a purchased loan under limited circumstances. Recourse conditions may include early payment default, breach of representations or warranties and documentation deficiencies.  Mortgage loans held for sale are generally sold with the mortgage servicing rights released. Gains or losses on sales of mortgage loans are recognized based on the differences between the selling price and the carrying value of the related mortgage loans sold.
 
Loans
 
Loans are stated at the principal amounts outstanding, net of unearned income and deferred loan fees. In addition to loans issued in the normal course of business, overdrafts on customer deposit accounts are considered to be loans and reclassified as such. Interest income on all classifications of loans is calculated using the simple interest method on daily balances of the principal amount outstanding.
 
Accrual of interest is discontinued on a loan when Management believes, after considering economic and business conditions and collection efforts, the borrower’s financial condition is such that reasonable doubt exists as to the full and timely collection of principal and interest. This evaluation is made for all loans that are 90 days or more contractually past due. When a loan is placed in nonaccrual status, all interest previously accrued but not collected is reversed against current period interest income. Income on such loans is then recognized only to the extent that cash is received and where the future collection of interest and principal is probable. Loans are returned to accrual status when, in the judgment of Management, all principal and interest amounts contractually due are reasonably assured to be collected within a reasonable time frame and when the borrower has demonstrated payment performance of cash or cash equivalents; generally for a period of six months. All loans, except mortgage loans, are considered past due if they are past due 30 days. Mortgage loans are considered past due when two consecutive payments have been missed. Loans that are past due 90-120 days and deemed uncollectible are charged-off. The loan charge off is a reduction of the allowance for loan losses.
 
Troubled Debt Restructurings (TDRs)
 
TDRs are loans in which the borrower is experiencing financial difficulty at the time of restructuring, and the Bank has granted a concession to the borrower.  TDRs are undertaken in order to improve the likelihood of recovery on the loan and may take the form of modifications made with the stated interest rate lower than the current market rate for new debt with similar risk, other modifications to the structure of the loan that fall outside of normal underwriting policies and procedures, or in limited circumstances forgiveness of principal and / or interest.  TDRs can involve loans remaining on non-accrual, moving to non-accrual, or continuing on accrual status, depending on the individual facts and circumstances of the borrower.  TDRs are subject to policies governing accrual and non-accrual evaluation consistent with all other loans as discussed in the “Loans” section above.  All loans with the TDR designation are considered to be impaired, even if they are accruing. 
 
First Guaranty's policy is to evaluate TDRs that have subsequently been restructured and returned to market terms after 12 months of performance. The evaluation includes a review of the loan file and analysis of the credit to assess the loan terms, including interest rate to insure such terms are consistent with market terms.  The loan terms are compared to a sampling of loans with similar terms and risk characteristics, including loans originated by First Guaranty and loans lost to a competitor.  The sample provides a guide to determine market terms pursuant to ASC 310-40-50-2.  The loan is also evaluated at that time for impairment  A loan determined to be restructured to market terms and not considered impaired will no longer be disclosed as a TDR in the years following the restructuring.  These loans will continue to be individually evaluated for impairment.  A loan determined to either be restructured to below market terms or to be impaired will remain a TDR. 
 
Credit Quality
 
First Guaranty's credit quality indicators are pass, special mention, substandard, and doubtful.
 
Loans included in the pass category are performing loans with satisfactory debt coverage ratios, collateral, payment history, and documentation requirements.
 
Special mention loans have potential weaknesses that deserve close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects. Borrowers may be experiencing adverse operating trends (declining revenues or margins) or an ill proportioned balance sheet (e.g., increasing inventory without an increase in sales, high leverage, tight liquidity). Adverse economic or market conditions, such as interest rate increases or the entry of a new competitor, may also support a special mention rating. Nonfinancial reasons include management problems, pending litigation, an ineffective loan agreement or other material structural weakness, and any other significant deviation from prudent lending practices.
 
A substandard loan is inadequately protected by the paying capacity of the obligor or of the collateral pledged, if any. Loans classified as substandard have a well-defined weakness. They are characterized by the distinct possibility that First Guaranty will sustain some loss if the deficiencies are not corrected. These loans require more intensive supervision. Substandard loans are generally characterized by current or expected unprofitable operations, inadequate debt service coverage, inadequate liquidity, or marginal capitalization. Repayment may depend on collateral or other credit risk mitigates. For some substandard loans, the likelihood of full collection of interest and principal may be in doubt and interest is no longer accrued. Consumer loans that are 90 days or more past due or that are nonaccrual are considered substandard.
 
Doubtful loans have the weaknesses of substandard loans with the additional characteristic that the weaknesses make collection or liquidation in full questionable and there is a high probability of loss based on currently existing facts, conditions and values.
 
A loan is considered impaired when, based on current information and events, it is probable that First Guaranty will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by Management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent. This process is only applied to impaired loans or relationships in excess of $250,000. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, individual consumer and residential loans are not separately identified for impairment disclosures, unless such loans are the subject of a restructuring agreement. Loans that have been restructured in a troubled debt restructuring will continue to be evaluated individually for impairment, including those no longer requiring disclosure.
 
Acquired Loans
 
Loans are recorded at estimated fair value on their purchase date with no carryover of the related allowance for loan losses. Acquired loans are segregated between those with deteriorated credit quality at acquisition and those deemed as performing. To make this determination, Management considers such factors as past due status, nonaccrual status, credit risk ratings, interest rates and collateral position. The fair value of acquired loans deemed performing is determined by discounting cash flows, both principal and interest, for each pool at prevailing market interest rates as well as consideration of inherent potential losses. The difference between the fair value and principal balances due at acquisition date, the fair value discount, is accreted into income over the estimated life of each loan pool.
 
Loans acquired in a business combination are recorded at their estimated fair value on their purchase date with no carryover of the related allowance for loan losses. Performing acquired loans are subsequently evaluated for any required allowance at each reporting date. An allowance for loan losses is calculated using a similar methodology for originated loans.
 
Loan fees and costs
 
Nonrefundable loan origination and commitment fees and direct costs associated with originating loans are deferred and recognized over the lives of the related loans as an adjustment to the loans' yield using the level yield method.
 
Allowance for loan losses
 
The allowance for loan losses is established through a provision for loan losses charged to expense. Loans are charged against the allowance for loan losses when Management believes that the collectability of the principal is unlikely. The allowance, which is based on evaluation of the collectability of loans and prior loan loss experience, is an amount that, in the opinion of Management, reflects the risks inherent in the existing loan portfolio and exists at the reporting date. The evaluations take into consideration a number of subjective factors including changes in the nature and volume of the loan portfolio, historical losses, overall portfolio quality, review of specific problem loans, current economic conditions that may affect a borrower’s ability to pay, adequacy of loan collateral and other relevant factors. In addition, regulatory agencies, as an integral part of their examination process, periodically review the estimated losses on loans. Such agencies may require additional recognition of losses based on their judgments about information available to them at the time of their examination.
 
The following are general credit risk factors that affect First Guaranty's loan portfolio segments.  These factors do not encompass all risks associated with each loan category.  Construction and land development loans have risks associated with interim construction prior to permanent financing and repayment risks due to the future sale of developed property.  Farmland and agricultural loans have risks such as weather, government agricultural policies, fuel and fertilizer costs, and market price volatility.  1-4 family, multi-family, and consumer credits are strongly influenced by employment levels, consumer debt loads and the general economy.  Non-farm non-residential loans include both owner occupied real estate and non-owner occupied real estate.  Common risks associated with these properties is the ability to maintain tenant leases and keep lease income at a level able to service required debt and operating expenses.  Commercial and industrial loans generally have non-real estate secured collateral which requires closer monitoring than real estate collateral.
  
Although Management uses available information to recognize losses on loans, because of uncertainties associated with local economic conditions, collateral values and future cash flows on impaired loans, it is reasonably possible that a material change could occur in the allowance for loan losses in the near term. However, the amount of the change that is reasonably possible cannot be estimated.  The evaluation of the adequacy of loan collateral is often based upon estimates and appraisals. Because of changing economic conditions, the valuations determined from such estimates and appraisals may also change. Accordingly, First Guaranty may ultimately incur losses that vary from Management's current estimates. Adjustments to the allowance for loan losses will be reported in the period such adjustments become known or can be reasonably estimated. All loan losses are charged to the allowance for loan losses when the loss actually occurs or when the collectability of the principal is unlikely. Recoveries are credited to the allowance at the time of recovery.
 
The allowance consists of specific, general, and unallocated components. The specific component relates to loans that are classified as doubtful, substandard, and impaired. For such loans that are also classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. Also, a specific reserve is allocated for syndicated loans. The general component covers non-classified loans and special mention loans and is based on historical loss experience adjusted for qualitative factors. An unallocated component is maintained to cover uncertainties that could affect the estimate of probable losses.
 
The allowance for loan losses is reviewed on a monthly basis. The monitoring of credit risk also extends to unfunded credit commitments, such as unused commercial credit lines and letters of credit. A reserve is established as needed for estimates of probable losses on such commitments.  
 
Goodwill and intangible assets

Goodwill and intangible assets deemed to have indefinite lives are subject to annual impairment tests. First Guaranty's goodwill is tested for impairment on an annual basis, or more often if events or circumstances indicate that there may be impairment. Adverse changes in the economic environment, declining operations, or other factors could result in a decline in the implied fair value of goodwill. If the implied fair value is less than the carrying amount, a loss would be recognized in other non-interest expense to reduce the carrying amount to implied fair value of goodwill. The goodwill impairment test includes two steps that are preceded by a, “step zero”, qualitative test. The qualitative test allows Management to assess whether qualitative factors indicate that it is more likely than not that impairment exists. If it is not more likely than not that impairment exists, then no impairment exists and the two step quantitative test would not be necessary. These qualitative indicators include factors such as earnings, share price, market conditions, etc. If the qualitative factors indicate that it is more likely than not that impairment exists, then the two step quantitative test would be necessary. Step one is used to identify potential impairment and compares the estimated fair value of a reporting unit with its carrying amount, including goodwill. If the estimated fair value of a reporting unit exceeds its carrying amount, goodwill of the reporting unit is not considered impaired. If the carrying amount of a reporting unit exceeds its estimated fair value, the second step of the goodwill impairment test is performed to measure the amount of impairment loss, if any. Step two of the goodwill impairment test compares the implied estimated fair value of reporting unit goodwill with the carrying amount of that goodwill. If the carrying amount of goodwill for that reporting unit exceeds the implied fair value of that unit’s goodwill, an impairment loss is recognized in an amount equal to that excess.
 
Identifiable intangible assets are acquired assets that lack physical substance but can be distinguished from goodwill because of contractual or legal rights or because the assets are capable of being sold or exchanged either on their own or in combination with the related contract, asset or liability. First Guaranty's intangible assets primarily relate to core deposits. These core deposit intangibles are amortized on a straight-line basis over terms ranging from seven to fifteen years. Management periodically evaluates whether events or circumstances have occurred that impair this deposit intangible.
 
Premises and equipment
    
Premises and equipment are stated at cost, less accumulated depreciation. Depreciation is computed for financial reporting purposes using the straight-line method over the estimated useful lives of the respective assets as follows:
 
Buildings and improvements 10-40 years
Equipment, fixtures and automobiles 3-10 years
 
Expenditures for renewals and betterments are capitalized and depreciated over their estimated useful lives. Repairs, maintenance and minor improvements are charged to operating expense as incurred. Gains or losses on disposition, if any, are recorded as a separate line item in noninterest income on the Statements of Income.
 
Other real estate
 
Other real estate includes properties acquired through foreclosure or acceptance of deeds in lieu of foreclosure. These properties are recorded at the lower of the recorded investment in the property or its fair value less the estimated cost of disposition. Any valuation adjustments required prior to foreclosure are charged to the allowance for loan losses. Subsequent to foreclosure, losses on the periodic revaluation of the property are charged to current period earnings as other real estate expense. Costs of operating and maintaining the properties are charged to other real estate expense as incurred. Any subsequent gains or losses on dispositions are credited or charged to income in the period of disposition.
 
Off-balance sheet financial instruments
    
In the ordinary course of business, First Guaranty has entered into commitments to extend credit, including commitments under credit card arrangements, commitments to fund commercial real estate, construction and land development loans secured by real estate, and performance standby letters of credit. Such financial instruments are recorded when they are funded.
 
Income taxes
    
First Guaranty and its subsidiary file a consolidated federal income tax return on a calendar year basis. In lieu of Louisiana state income tax, the Bank is subject to the Louisiana bank shares tax, which is included in noninterest expense in First Guaranty's consolidated financial statements. With few exceptions, First Guaranty is no longer subject to U.S. federal, state or local income tax examinations for years before 2012. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the deferred tax assets or liabilities are expected to be settled or realized. Valuation allowances are established when necessary to reduce deferred tax assets to the amount expected to be utilized.
 
Comprehensive income
    
Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities, are reported as a separate component of the equity section of the balance sheet, such items along with net income, are components of comprehensive income. The components of other comprehensive income and related tax effects are presented in the Statements of Comprehensive Income.
 
Fair Value Measurements
 
The fair value of a financial instrument is the current amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. A fair value measurement assumes that the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability or, in the absence of a principal market, the most advantageous market for the asset or liability. Valuation techniques use certain inputs to arrive at fair value. Inputs to valuation techniques are the assumptions that market participants would use in pricing the asset or liability. They may be observable or unobservable. First Guaranty uses a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. See Note 21 for a detailed description of fair value measurements.
 
Transfers of Financial Assets
 
Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (i) the assets have been isolated from First Guaranty, (ii) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (iii) First Guaranty does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
 
Earnings per common share
 
Earnings per share represents income available to common shareholders divided by the weighted average number of common shares outstanding during the period. In December of 2015, First Guaranty issued a pro rata, 10% common stock dividend. The shares issued for the stock dividend have been retrospectively factored into the calculation of earnings per share as well as cash dividends paid on common stock and represented on the face of the financial statements. No convertible shares of First Guaranty's stock are outstanding.
 
Operating Segments
 
All of First Guaranty's operations are considered by management to be aggregated into one reportable operating segment. While the chief decision-makers monitor the revenue streams of the various products and services, the identifiable segments are not material. Operations are managed and financial performance is evaluated on a Company-wide basis.
 
Reclassifications
 
Certain reclassifications have been made to prior year end financial statements in order to conform to the classification adopted for reporting in 2015.
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Recent Accounting Pronouncements
 12 Months Ended
Dec. 31, 2015
Recent Accounting Pronouncements [Abstract]  
Recent Accounting Pronouncements
Note 2. Recent Accounting Pronouncements
 
In April 2015, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") No. 2015-03, "Interest - Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs." The amendments in this guidance require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this ASU.

This guidance is effective for interim and annual reporting periods beginning after December 15, 2015, with early adoption permitted. This guidance must be adopted retrospectively, wherein the balance sheet of each period presented should be adjusted to reflect the new guidance. First Guaranty has elected early adoption of this guidance in 2015. The adoption of this guidance did not have a material impact upon First Guaranty's financial statements. No adjustments to prior year information was necessary upon the adoption of the guidance.
 
In September 2015, the FASB issued ASU 2015-16, "Simplifying the Accounting for Measurement-Period Adjustments". The guidance eliminates the requirement that an acquirer in a business combination account for measurement-period adjustments retrospectively. The ASU is effective for annual and interim periods beginning after December 15, 2015. The adoption of this ASU is not expected to have a material effect on First Guaranty's Consolidated Financial Statements.
 
In January 2016, the FASB issued ASU 2016-01, "Recognition and Measurement of Financial Assets and Financial Liabilities". The ASU amendments include changes related to how certain equity investments are measured, recognize changes in the fair value of financial certain liabilities measured under the fair value option, and disclose and present financial assets and liabilities on First Guaranty's consolidated financial statements. Additionally, the ASU will also require entities to present financial assets and financial liabilities separately, grouped by measurement category and form of financial asset in the statement of financial position or in the accompanying notes to the financial statements. Entities will also no longer have to disclose the methods and significant assumptions for financial instruments measured at amortized cost, but will be required to measure such instruments under the "exit price" notion for disclosure purposes. The ASU is effective for annual and interim periods beginning after December 15, 2017. The adoption of this ASU is not expected to have a material effect on First Guaranty's Consolidated Financial Statements.
 
In February 2016, the FASB issued ASU 2016-02, "Conforming Amendments Related to Leases". This ASU amends the codification regarding leases in order to increase transparency and comparability. The ASU requires companies to recognize lease assets and liabilities on the statement of condition and disclose key information about leasing arrangements. A lessee would recognize a liability to make lease payments and a right-of-use asset representing its right to use the leased asset for the lease term. The ASU is effective for annual and interim periods beginning after December 15, 2018. The adoption of this ASU is not expected to have a material effect on First Guaranty's Consolidated Financial Statements.
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Cash and Due from Banks
 12 Months Ended
Dec. 31, 2015
Cash and Due from Banks [Abstract]  
Cash and Due from Banks
Note 3. Cash and Due from Banks
 
Certain reserves are required to be maintained at the Federal Reserve Bank. There was no reserve requirement as of December 31, 2015 and 2014. At December 31, 2015 First Guaranty had only one account at correspondent banks, excluding the Federal Reserve Bank, that exceeded the FDIC insurable limit of $250,000. This account was over the insurable limit by $2,000. At December 31, 2014 First Guaranty had only one account at correspondent banks, excluding the Federal Reserve Bank, that exceeded the FDIC insurable limit of $250,000. This account was over the insurable limit by $1,000.
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Securities
 12 Months Ended
Dec. 31, 2015
Securities [Abstract]  
Securities
Note 4.  Securities
 
A summary comparison of securities by type at December 31, 2015 and 2014 is shown below.
 
 
December 31, 2015
 
December 31, 2014
 
(in thousands)
Amortized Cost
 
Gross Unrealized Gains
 
Gross Unrealized Losses
 
Fair Value
 
Amortized Cost
 
Gross Unrealized Gains
 
Gross Unrealized Losses
 
Fair Value
 
Available-for-sale:
                               
U.S Treasuries$29,999 $- $- $29,999 $36,000 $- $- $36,000 
U.S. Government Agencies
  165,364 
 
-
 
 
(1,553
)
 
163,811
 
 
295,620
   
30
 
 
(4,155
)
 
291,495
 
Corporate debt securities
  105,680   
2,259
   
(2,803
)
 
105,136
   
126,654
   
4,415
   
(1,006
)
 
130,063
 
Mutual funds or other equity securities
  580   
2
   
-
 
 
582
   
570
   
4
   
-
 
 
574
 
Municipal bonds
  47,339   
899
   
(5
)
 
48,233
   
40,599
   
1,077
   
-
 
 
41,676
 
Mortgage-backed securities 28,891  -  (283)  28,608  -  -  -  - 
Total available-for-sale securities
 
377,853
 
 
3,160
 
 
(4,644
)
 
376,369
 
 
499,443
 
 
5,526
 
 
(5,161
)
 
499,808
 
                                                 
Held to maturity:
                                               
U.S. Government Agencies
 
77,343
 
 
-
 
 
(721
)
 
76,622
 
 
84,479
 
 
-
 
 
(1,950
)
 
82,529
 
Mortgage-backed securities 92,409  9  (892)  91,526  57,316  57  (214)  57,159 
Total held to maturity securities
$
169,752 
$
9
 
$
(1,613
)
$
168,148
 
$
141,795
 
$
57
 
$
(2,164
)
$
139,688
 
 
The scheduled maturities of securities at December 31, 2015, by contractual maturity, are shown below. Actual maturities may differ from contractual maturities due to call or prepayments. Mortgage-backed securities are not due at a single maturity because of amortization and potential prepayment of the underlying mortgages. For this reason they are presented separately in the maturity table below.
 
 
December 31, 2015
 
(in thousands)
Amortized Cost
 
Fair Value
 
Available-for-sale:
       
Due in one year or less
$
38,847
 
$
38,905
 
Due after one year through five years
 
138,704
   
138,924
 
Due after five years through 10 years
 
124,736
   
122,706
 
Over 10 years
 
46,675
   
47,226
 
   Subtotal 348,962  347,761 
 Mortgage-backed Securities 28,891  28,608 
Total available-for-sale securities
 
377,853
 
 
376,369
 
             
Held to maturity:
           
Due in one year or less
 
-
 
 
-
 
Due after one year through five years
 
21,803
   
21,545
 
Due after five years through 10 years
 
55,540
   
55,077
 
Over 10 years
 
-
   
-
 
  Subtotal 77,343  76,622 
Mortgage-backed Securities 92,409  91,526 
Total held to maturity securities
$
169,752
 
$
168,148 
 
 
The following is a summary of the fair value of securities with gross unrealized losses and an aging of those gross unrealized losses as of the dates indicated:
 
At December 31, 2015 
 Less Than 12 Months 12 Months or More Total 
(in thousands)Number of Securities 
Fair Value
 
Gross Unrealized Losses
 Number of Securities 
Fair Value
 
Gross Unrealized Losses
 Number of Securities 
Fair Value
 
Gross Unrealized Losses
 
Available-for-sale:
                  
U.S. Treasuries 2 $9,999 $-  - $- $- 2  $9,999 $- 
U.S. Government agencies
49  
116,473
  
(921
)  11  
47,338
 
 
(632
)  60  
163,811
  
(1,553
)
Corporate debt securities
112  
31,414
  
(1,509
)27   
5,344
  
(1,294
)139   
36,758
  
(2,803
)
Mutual funds or other equity securities
-  -  - -   -  -  -  -  - 
Municipal bonds 2  679  (5)  -  -  - 2   679  (5) 
Mortgage-backed securities 14  28,608  (283)  -  -  - 14   28,608  (283) 
Total available-for-sale securities
179  
187,173
 
(2,718
) 38 
52,682
 
(1,926
) 217 
239,855
  
(4,644
)
                         
Held to maturity:
                        
U.S. Government agencies
16 
51,865
  
(404
) 7  
23,852
 
(317
)  23 
75,717
 
(721
)
Mortgage-backed securities39   82,863  (892) -   -  -  39  82,863  (892) 
Total held to maturity securities
55  
$
134,728
 
$
(1,296
)7  
$
23,852
 
$
(317
)  62 
$
158,580
 
$
(1,613
) 
 
 
 At December 31, 2014 
 Less Than 12 Months 12 Months or More Total 
(in thousands)Number of Securities 
Fair Value
 
Gross Unrealized Losses
 Number of Securities 
Fair Value
 
Gross Unrealized Losses
 Number of Securities 
Fair Value
 
Gross Unrealized Losses
 
Available-for-sale:
                  
U.S. Treasuries 4 $ 24,000 $ -  - $ - $ -  4 $ 24,000 $ - 
U.S. Government agencies
 4  
43,983
  
(17
)  66  
232,482
 
 
(4,138
)  70  
276,465
  
(4,155
) 
Corporate debt securities
 37  
15,395
  
(238
)  50  
15,397
  
(768
)  87  
30,792
  
(1,006
) 
Mutual funds or other equity securities
 -   -   -  -   -   -  -   -   - 
Municipal bonds -     -   -  -   -   -  -   -   - 
Total available-for-sale securities
 45  
83,378
 
(255
) 116 
247,879
 
(4,906
)  161 
331,257
  
(5,161
) 
                         
Held to maturity:
                        
U.S. Government agencies
 1 
4,993
  
(7
)  19  
77,536
 
(1,943
)  20 
82,529
 
(1,950
) 
Mortgage-backed securities 7   12,008  (13)  12   29,415  (201)  19   41,423   (214) 
Total held to maturity securities
 8 
$
17,001
 
$
(20
) 31 
$
106,951
 
$
(2,144
)  39 
$
123,952
 
$
(2,164
) 
 
As of December 31, 2015, 279 of First Guaranty's debt securities had unrealized losses totaling 1.5% of the individual securities’ amortized cost basis and 1.1% of First Guaranty's total amortized cost basis of the investment securities portfolio. 45 of the 279 securities had been in a continuous loss position for over 12 months at such date.  The 45 securities had an aggregate amortized cost basis of $78.8 million and an unrealized loss of $2.2 million at December 31, 2015.  Management has the intent and ability to hold these debt securities until maturity or until anticipated recovery. 
 
Securities are evaluated for other-than-temporary impairment ("OTTI") at least quarterly and more frequently when economic or market conditions warrant. Consideration is given to (i) the length of time and the extent to which the fair value has been less than cost, (ii) the financial condition and near-term prospects of the issuer, (iii) the recovery of contractual principal and interest and (iv) the intent and ability of First Guaranty to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value.
 
Investment securities issued by the U.S. Government and Government sponsored agencies with unrealized losses and the amount of unrealized losses on those investment securities are the result of changes in market interest rates. First Guaranty has the ability and intent to hold these securities until recovery, which may not be until maturity.
 
Corporate debt securities in a loss position consist primarily of corporate bonds issued by businesses in the financial, insurance, utility, manufacturing, industrial, consumer products and oil and gas industries. Two issuers were determined during 2015 to have other-than-temporary impairment losses.  First Guaranty believes that the remaining issuers will be able to fulfill the obligations of these securities based on evaluations described above. First Guaranty has the ability and intent to hold these securities until they recover, which could be at their maturity dates.
 
During the years ended December 31, 2015, First Guaranty recorded OTTI losses on available-for-sale securities as follows:
(in thousands)
 
Year Ended
December 31, 2015
 
Total OTTI charge realized and unrealized
 
$
571
 
OTTI recognized in other comprehensive income (non-credit component)
  
396
 
Net impairment losses recognized in earnings (credit component)
 
$
175
 
 
There were no other-than-temporary impairment losses recognized on securities in 2014 or 2013.
 
The following table presents a roll-forward of the amount of credit losses on debt securities held by First Guaranty for which a portion of OTTI was recognized in other comprehensive income for the year end year ended December 31, 2015:
 
(in thousands)    
Beginning balance of credit losses at December 31, 2014
 
$
-
 
Other-than-temporary impairment credit losses on securities not previously OTTI
  
175
 
Increases for additional credit losses on securities previously determined to be OTTI
  
-
 
Reduction for increases in cash flows
  
-
 
Reduction due to credit impaired securities sold or fully settled
  
-
 
Ending balance of cumulative credit losses recognized in earnings at December 31, 2015
 
$
175
 
 
In 2015 there were no other-than-temporary impairment credit losses on securities for which we had previously recognized OTTI. The amount related to losses on securities with no previous losses amounted to $0.2 million at December 31, 2015.  For securities that have indications of credit related impairment, management analyzes future expected cash flows to determine if any credit related impairment is evident.   Estimated cash flows are determined using management's best estimate of future cash flows based on specific assumptions.  The assumptions used to determine the cash flows were based on estimates of loss severity and credit default probabilities.  Management reviews reports from credit rating agencies and public filings of issuers.  The credit related impairment was related to one corporate debt security with a book balance of $0.5 million that experienced declines in its financial performance associated with the mining industry.  This corporate debt security had a non-credit related impairment of $0.3 million.  A second corporate debt security had a non-credit related impairment of $0.1 million due to the fact that the issuer went private and liquidity in its debt securities was reduced.  Management anticipates receipt of all scheduled cash flows for this security.
 
Non-credit related other-than-temporary impairment losses recognized in other comprehensive income totaled $0.4 million in 2015 and zero in 2014. The impairment losses were related to two available for sale corporate bond securities, described above, which had original amortized cost of $0.8 million. 
 
At December 31, 2015 and 2014 the carrying value of pledged securities totaled $427.4 million and $516.5 million, respectively. First Guaranty completed its liquidation of the common stock from a converted preferred security in the third quarter of 2015. The total gains realized on the security were $2.7 million. Gross realized gains on sales of securities were $3.3 million (including the sale of the converted preferred security), $0.2 million and $1.4 million for the years ended December 31, 2015, 2014 and 2013, respectively. Gross realized losses were $0.4 million, $0.2 million and $0 for the years ended December 31, 2015, 2014 and 2013. The tax applicable to these transactions amounted to $1.2 million, $0 million, and $0.5 million for 2015, 2014 and 2013, respectively. Proceeds from sales of securities classified as available-for-sale amounted to $290.0 million, $109.8 million and $18.6 million for the years ended December 31, 2015, 2014 and 2013, respectively.

Net unrealized losses on available-for-sale securities included in accumulated other comprehensive income (loss) ("AOCI"), net of applicable income taxes, totaled $0.9 million at December 31, 2015. At December 31, 2014 net unrealized gains included in AOCI, net of applicable income taxes, totaled $0.2 million. During 2015 and 2014 gains, net of tax, reclassified out of AOCI into earnings totaled $2.1 million and $0.2 million, respectively.    
 
At December 31, 2015, First Guaranty's exposure to investment securities issuers that exceeded 10% of shareholders’ equity as follows:
 
 
At December 31, 2015
 
(in thousands)
Amortized Cost
 
Fair Value
 
U.S. Treasuries
$
29,999
 
$
29,999
 
Federal Home Loan Bank (FHLB)  
85,507
   
84,689
 
Federal Home Loan Mortgage Corporation (Freddie Mac-FHLMC)
 
66,271
   
65,589
 
Federal National Mortgage Association (Fannie Mae-FNMA)
 
127,504
   
126,294
 
Federal Farm Credit Bank (FFCB)
 84,726  83,996 
Total
$
394,007
 
$
390,567
 
XML 28 R14.htm IDEA: XBRL DOCUMENT v3.3.1.900
Loans
 12 Months Ended
Dec. 31, 2015
Loans [Abstract]  
Loans
Note 5. Loans
 
The following table summarizes the components of First Guaranty's loan portfolio as of the dates indicated:
 
 
December 31, 2015
 
December 31, 2014
 
(in thousands except for %)
Balance
 
As % of Category
 
Balance
 
As % of Category
 
Real Estate:
               
Construction & land development
$
56,132
 
6.6
%
$
52,094
 
6.6
%
Farmland
 
17,672
 
2.1
%
 
13,539
 
1.7
%
1- 4 Family
 
129,610
 
15.4
%
 
118,181
 
14.9
%
Multifamily
 
12,629
 
1.5
%
 
14,323
 
1.8
%
Non-farm non-residential
 
323,363
 
38.3
%
 
328,400
 
41.5
%
Total Real Estate
 
539,406
 
63.9
%
 
526,537
 
66.5
%
Non-real Estate:          
Agricultural
 
25,838
 
3.1
%
 
26,278
 
3.3
%
Commercial and industrial
 
224,201
 
26.6
%
 
196,339
 
24.8
%
Consumer and other
 
54,163
 
6.4
%
 
42,991
 
5.4
%
Total Non-real Estate 304,202 36.1% 265,608 33.5%
Total Loans Before Unearned Income
 
843,608
 
100.0
%
 
792,145
 
100.0
%
Unearned income
 
(2,025
)
     
(1,824
)
   
Total Loans Net of Unearned Income
$
841,583
     
$
790,321
     
 
The following table summarizes fixed and floating rate loans by contractual maturity, excluding nonaccrual loans, as of December 31, 2015 and December 31, 2014 unadjusted for scheduled principal payments, prepayments, or repricing opportunities. The average life of the loan portfolio may be substantially less than the contractual terms when these adjustments are considered.
 
 
December 31, 2015
  December 31, 2014 
(in thousands)
Fixed
 
Floating
 
Total
  Fixed Floating Total 
One year or less
$
86,975
 
$
48,111
 
$
135,086
  $88,686 $72,250 $160,936 
One to five years
 
315,685
   
246,374
   
562,059
   253,306  225,655  478,961 
Five to 15 years
 
49,197
   
31,456
   
80,653
   67,012  39,634  106,646 
Over 15 years
 
36,438
   
9,333
   
45,771
   25,304  8,104  33,408 
  Subtotal
$
488,295
  $
335,274
   
823,569
  $434,308 $345,643  779,951 
Nonaccrual loans
             
20,039
         12,194 
Total Loans Before Unearned Income
            
843,608
         792,145 
Unearned income
             
(2,025
)
       (1,824)
Total Loans Net of Unearned Income
           
$
841,583
        $790,321 
 
As of December 31, 2015, $132.9 million of floating rate loans were at their interest rate floor. At December 31, 2014, $195.7 million of floating rate loans were at the floor rate. Nonaccrual loans have been excluded from these totals.
 
The following tables present the age analysis of past due loans for the periods indicated:
 
As of December 31, 2015
 
(in thousands)
30-89 Days Past Due
 
90 Days or Greater Past Due
 
Total Past Due
 
Current
 
Total Loans
 
Recorded Investment 90 Days Accruing
 
Real Estate:
                  
Construction & land development
$
12
 
$
558
 
$
570
 
$
55,562
 
$
56,132
 
$
- 
Farmland
 
-
  136  
136
  
17,536
  
17,672
  19 
1 - 4 family
 
2,546
  
4,929
  
7,475
  
122,135
  
129,610
  391 
Multifamily
 
-
  
9,045
  
9,045
  
3,584
  
12,629
  - 
Non-farm non-residential
 
1,994
  
2,934
  4,928  
318,435
  
323,363
  - 
Total Real Estate
 
4,552
  
17,602
  
22,154
  
517,252
  
539,406
  410 
Non-Real Estate:                  
Agricultural
 
2,346
  2,628  
4,974
  
20,864
  25,838  - 
Commercial and industrial
 
314
  48  
362
  
223,839
  
224,201
  - 
Consumer and other
 965  171  
1,136
  
53,027
  
54,163
  - 
Total Non-Real Estate 3,625  2,847  6,472   297,730  304,202  - 
Total Loans Before Unearned Income
$
8,177
 
$
20,449
 
$
28,626
 
$
814,982
 
 
843,608
 
$
410 
Unearned income
             
(2,025
)
   
Total Loans Net of Unearned Income
            
$
841,583
    
 
 
 
As of December 31, 2014
 
(in thousands)
30-89 Days Past Due
 
90 Days or Greater Past Due
 
Total Past Due
 
Current
 
Total Loans
 
Recorded Investment 90 Days Accruing
 
Real Estate:
                  
Construction & land development
$
338
 
$
486
 
$
824
 
$
51,270
 
$
52,094
 
$
 - 
Farmland
 
10
  153  
163
  
13,376
  
13,539
   - 
1 - 4 family
 
2,924
  
4,418
  
7,342
  
110,839
  
118,181
  599 
Multifamily
 
2,990
  
-
  
2,990
  
11,333
  
14,323
   - 
Non-farm non-residential
 
1,509
  
4,993
  
6,502
  
321,898
  
328,400
  - 
Total Real Estate
 
7,771
  
10,050
  
17,821
  
508,716
  
526,537
   599 
Non-Real Estate:                  
Agricultural
 
-
  832  
832
  
25,446
   26,278   - 
Commercial and industrial
 
1,241
  1,907  
3,148
  
193,191
  
196,339
   - 
Consumer and other
 
105
  
4
  
109
  
42,882
  
42,991
   - 
Total Non-Real Estate 1,346  2,743   4,089   261,519   265,608   - 
Total Loans Before Unearned Income
$
9,117
 
$
12,793
 
$
21,910
 
$
770,235
 
 
792,145
 
$
599 
Unearned income
             
(1,824
)
   
Total Loans Net of Unearned Income
            
$
790,321
    
 
The tables above include $20.0 million and $12.2 million of nonaccrual loans for December 31, 2015 and 2014, respectively. See the tables below for more detail on nonaccrual loans.
 
The following is a summary of nonaccrual loans by class for the periods indicated:
 
 As of December 31, 
(in thousands)
2015
 2014 
Real Estate:
        
Construction & land development
$
558
 $486 
Farmland
  117  153 
1 - 4 family 
 
4,538
  3,819 
Multifamily
 
9,045
  - 
Non-farm non-residential
 
2,934
  4,993 
Total Real Estate
 
17,192
  9,451 
Non-Real Estate:      
Agricultural
 
2,628
  832 
Commercial and industrial
 
48
  1,907 
Consumer and other
 
171
  4 
Total Non-Real Estate 2,847  2,743 
Total Nonaccrual Loans
$
20,039
 $12,194 
 
The following table identifies the credit exposure of the loan portfolio by specific credit ratings for the periods indicated:
 
 
As of December 31, 2015
  As of December 31, 2014 
(in thousands)
Pass
 
Special Mention
 
Substandard
 Doubtful 
Total
  Pass Special Mention Substandard Doubtful Total 
Real Estate:
                                          
Construction & land development
$
51,681
 
$
386
 
$
4,065
 $- 
$
56,132
  $46,451 $559 $5,084 $- $52,094 
Farmland
 
17,554
   
-
   
118
  -   
17,672
   13,299  87  153  -  13,539 
1 - 4 family
 
115,878
   
6,425
   
7,307
  -   
129,610
   103,582  6,113  8,486  -  118,181 
Multifamily
 
3,584
   
-
   
9,045
  -   
12,629
   3,581  6,414  4,328  -  14,323 
Non-farm non-residential
 
296,682
   
3,288
   
23,393
  -   
323,363
   300,319  6,788  21,293  -  328,400 
Total Real Estate
 
485,379
   
10,099
   
43,928
  -   
539,406
   467,232  19,961  39,344  -  526,537 
Non-Real Estate:                              
Agricultural
 
20,860
   
4
   
4,974
  -   
25,838
   22,789  7  3,482  -  26,278 
Commercial and industrial
 
214,184
   
471
   
9,546
  -     224,201   185,839  8,611  1,889  -  196,339 
Consumer and other
 
53,779
   
178
   
206
  -   
54,163
   42,831  123  37  -  42,991 
Total Non-Real Estate 288,823  653  14,726  -  304,202  251,459  8,741  5,408  -  265,608 
Total Loans Before Unearned Income
$
774,202
 
$
10,752
 
$
58,654
 $- 
 
843,608
  $718,691 $28,702 $44,752 $-  792,145 
Unearned income
                      
(2,025
)
              (1,824)
Total Loans Net of Unearned Income
                    
$
841,583
              $790,321 
XML 29 R15.htm IDEA: XBRL DOCUMENT v3.3.1.900
Allowance for Loan Losses
 12 Months Ended
Dec. 31, 2015
Allowance for Loan Losses [Abstract]  
Allowance for Loan Losses
Note 6. Allowance for Loan Losses
 
A summary of changes in the allowance for loan losses, by loan type, for the years ended December 31, 2015, 2014 and 2013 are as follows:
 
   
  As of December 31, 
  
2015
  2014 
(in thousands)
 
Beginning
Allowance (12/31/14)
  
Charge-offs
  
Recoveries
  Provision  
Ending
Allowance (12/31/15)
  
Beginning
Allowance (12/31/13)
  
Charge-offs
  
Recoveries
  Provision  
Ending Allowance(12/31/14)
 
Real Estate:
                    
Construction & land development
 
$
702
  
$
(559
) 
$
5
  $814  
$
962
  
$
1,530
  
$
(1,032
) 
$
6
  $198  
$
702
 
Farmland
  
21
   
-
   
-
   33   54   
17
   -   
-
   4   
21
 
1 - 4 family
  
2,131
   
(410
)  
94
   (44)  
1,771
   
1,974
   
(589
)  
99
   647   
2,131
 
Multifamily
  
813
   
(947
)  
46
   645   
557
   
376
   
-
   
49
   388   
813
 
Non-farm non-residential
  
2,713
   
(1,137
)  5   1,717   
3,298
   
3,607
   
(1,515
)  
9
   612   
2,713
 
Total Real Estate
  
6,380
   
(3,053
)  
150
   3,165   
6,642
   
7,504
   
(3,136
)  
163
   1,849   
6,380
 
Non-Real Estate:                                        
Agricultural
  
293
   
(491
)  3   211   
16
   
46
   
(2
)  
1
   248   
293
 
Commercial and industrial
  
1,797
   
(79
)  
315
   494   
2,527
   
2,176
   
(266
)  
118
   (231)  
1,797
 
Consumer and other
  
371
   
(550
)  
151
   258   
230
   
208
   
(289
)  
199
   253   
371
 
Unallocated  264   
-
   -   (264)  -   421   -   -   (157)  264 
Total Non-Real Estate  2,725   
(1,120
)  469   699   2,773   2,851   (557)  318   113   2,725 
Total
 
$
9,105
  
$
(4,173
) $619  $3,864  
$
9,415
  
$
10,355
  
$
(3,693
) 
$
481
  $1,962  
$
9,105
 
   
  As of December 31, 
  2013 
(in thousands)
 
Beginning
Allowance
(12/31/12)
  
Charge-offs
  
Recoveries
  Provision  
Ending
Allowance
(12/31/13)
 
Real Estate:
          
Construction & land development
 
$
1,098
  
$
(233
) 
$
10
  $655  
$
1,530
 
Farmland
  
50
   (31)  
140
   (142)  
17
 
1 - 4 family
  
2,239
   
(220
)  
49
   (94)  
1,974
 
Multifamily
  
284
   
-
   
-
   92   
376
 
Non-farm non-residential
  
3,666
   
(1,148
)  
8
   1,081   
3,607
 
Total Real Estate
  
7,337
   
(1,632
)  
207
   1,592   
7,504
 
Non-Real Estate:                    
Agricultural
  
64
   
(41
)  
5
   18   
46
 
Commercial and industrial
  
2,488
   
(1,098
)  
71
   715   
2,176
 
Consumer and other
  
233
   
(262
)  
243
   (6)  
208
 
Unallocated  220   -   -   201   421 
Total Non-Real Estate  3,005   (1,401)  319   928   2,851 
Total
 
$
10,342
  
$
(3,033
) 
$
526
  $2,520  
$
10,355
 
 
Negative provisions are caused by changes in the composition and credit quality of the loan portfolio. The result is an allocation of the loan loss reserve from one category to another.
 
A summary of the allowance and loans individually and collectively evaluated for impairment are as follows:
 
   
 As of December 31, 2015 
(in thousands)
Allowance Individually Evaluated for Impairment
 Allowance Collectively Evaluated for Impairment 
Total Allowance for Credit Losses
 
Loans
Individually Evaluated for Impairment
 
Loans
Collectively Evaluated for Impairment
 
Total Loans before Unearned Income
 
Real Estate:
                  
Construction & land development
$
-
 $962 
$
962
 $
368
 $55,764 $
56,132
 
Farmland
 
-
  54  54  
-
  17,672   
17,672
 
1 - 4 family
 
611
  1,160  
1,771
  
3,049
  126,561  
129,610
 
Multifamily
 454  103  557  
9,045
  3,584  
12,629
 
Non-farm non-residential
 
1,298
   2,000  3,298  
13,646
  309,717  
323,363
 
Total Real Estate
 
2,363
  4,279  
6,642
  
26,108
  513,298  
539,406
 
Non-Real Estate:                  
Agricultural
 
-
  16  
16
  
4,863
  20,975  
25,838
 
Commercial and industrial
 
-
  2,527  
2,527
  
-
  224,201  
224,201
 
Consumer and other
 
-
  230  
230
  
171
  53,992  
54,163
 
Unallocated -  -  - -  -  - 
Total Non-Real Estate -  2,773  2,773  5,034  299,168  304,202 
Total
$
2,363
 $7,052 
$
9,415
 $31,142 $812,466  
843,608
 
Unearned Income                (2,025) 
Total Loans Net of Unearned Income               $841,583 
 
   
 As of December 31, 2014 
(in thousands)
Allowance Individually Evaluated for Impairment
 Allowance Collectively Evaluated for Impairment 
Total Allowance for Credit Losses
 
Loans
Individually Evaluated for Impairment
 
Loans
Collectively Evaluated for Impairment
 
Total Loans before Unearned Income
 
Real Estate:
                  
Construction & land development
$
126
 $576 
$
702
 $
4,150
 $47,944 $
52,094
 
Farmland
 
-
  21  
21
  
-
  13,539  
13,539
 
1 - 4 family
 
598
  1,533  
2,131
  
3,420
  114,761  
118,181
 
Multifamily
 
437
  376  
813
  
7,201
  7,122  
14,323
 
Non-farm non-residential
 
468
  2,245  
2,713
  
16,287
  312,113  
328,400
 
Total Real Estate
 
1,629
  
4,751
  
6,380
  
31,058
  495,479  
526,537
 
Non-Real Estate:                  
Agricultural
 
262
  31  
293
  
2,650
  23,628  
26,278
 
Commercial and industrial
 
19
  1,778  
1,797
  
1,664
  194,675  
196,339
 
Consumer and other
 
-
  371  
371
  
-
  42,991  
42,991
 
Unallocated -  264  264  -  -  - 
Total Non-Real Estate 281  2,444  2,725  4,314  261,294  265,608 
Total
$
1,910
 $7,195 
$
9,105
 $
35,372
 $756,773  
792,145
 
Unearned Income                (1,824)
Total Loans Net of Unearned Income               $790,321 
 
As of December 31, 2015, 2014 and 2013, First Guaranty had loans totaling $20.0 million, $12.2 million and $14.5 million, respectively, not accruing interest. As of December 31, 2015, 2014 and 2013, First Guaranty had loans past due 90 days or more and still accruing interest totaling $0.4 million, $0.6 million and $0.4 million, respectively. The average outstanding balance of nonaccrual loans in 2015 was $14.9 million compared to $13.8 million in 2014 and $17.3 million in 2013.
 
Included in the above table is a loan for $5.3 million and $5.9 million at December 31, 2015 and 2014, respectively, that is no longer considered impaired but is still individually evaluated for impairment since it was formally a restructured credit that subsequently return to market terms. 
 
As of December 31, 2015, First Guaranty has no outstanding commitments to advance additional funds in connection with impaired loans.
 
The following is a summary of impaired loans by class at December 31, 2015:
 
As of December 31, 2015
 
(in thousands)
Recorded Investment
 
Unpaid Principal Balance
 
Related Allowance
 
Average Recorded Investment
 
Interest Income Recognized
  Interest Income Cash Basis 
Impaired Loans with no related allowance:
                                 
Real Estate:
                                 
Construction & land development   
$
368
 
$
823
 
$
-
 
$
825 
$
41
  $44 
Farmland
 
-
   
-
   
-
   
-
   
-
   - 
1 - 4 family
 
1,054
   
1,358
   
-
   
1,354
   
79
   84 
Multifamily
 
3,728
    4,240   
-
   
4,305
   
254
   72 
Non-farm non-residential
 
3,637
   
4,116
   
-
   
4,124
   
165
   147 
Total Real Estate
 
8,787
   
10,537
   
-
   
10,608
   539   347 
Non-Real Estate:                  
Agricultural
 
4,863
   
5,019
   
-
   
5,036
   
300
   300 
Commercial and industrial
 
-
   
-
   
-
   
-
   
-
   - 
Consumer and other
 
171
   
317
   
-
   
335
   
27
   20 
Total Non-Real Estate 5,034  5,336   -  5,371  327  320 
Total Impaired Loans with no related allowance 13,821  15,873   -  15,979  866  667 
                   
Impaired Loans with an allowance recorded:
                                 
Real estate:
                               
Construction & land development
 
-
   
-
   
-
   
-
   
-
   - 
Farmland
  -   
-
   
-
   
-
   
-
   - 
1 - 4 family
 
1,995
   
2,144
   
611
   
2,079
   
103
   125 
Multifamily
 
-
   
 
   
-
   
-
    -   - 
Non-farm non-residential
 
10,009
   
10,841
   
1,298
   
11,035
   
566
   569 
Total Real Estate
 
12,004
   
12,985
   
1,909
   
13,114
   
669
   694 
Non-Real Estate:                  
Agricultural
 
-
   
-
   
-
   
-
   
-
   - 
Commercial and industrial
 
-
   
-
   
-
   
-
   
-
   - 
Consumer and other
 
-
   
-
   
-
   
-
   
-
   - 
Total Non-Real Estate -   -   -   -   -   - 
Total Impaired Loans with an allowance recorded 12,004  12,985  1,909  13,114  669  694 
                   
Total Impaired Loans
$
25,825
 
$
28,858
 
$
1,909
 
$
29,093
 
$
1,535
  $1,361 
 
 
The following is a summary of impaired loans by class at December 31, 2014:
As of December 31, 2014
 
(in thousands)
Recorded Investment
 
Unpaid Principal Balance
 
Related Allowance
 
Average Recorded Investment
 
Interest Income Recognized
  Interest Income Cash Basis 
Impaired Loans with no related allowance:
                                 
Real Estate:
                                 
Construction & land development   
$
3,308
 
$
4,359
 
$
-
 
$
3,479 
$
217
  $224 
Farmland
 
-
   
-
   
-
   
-
   
-
    - 
1 - 4 family
 
1,368
   
1,656
   
-
   
397
   
72
    43 
Multifamily
 
-
     -   
-
   
148
   
31
    34 
Non-farm non-residential
 
7,439
   
9,008
   
-
   
8,694
   
422
    275 
Total Real Estate
 
12,115
   
15,023
   
-
   
12,718
   742    576 
Non-Real Estate:                  
Agricultural
 
-
   
-
   
-
   
-
   
-
    - 
Commercial and industrial
 
-
   
-
   
-
   
-
   
-
    - 
Consumer and other
 
-
   
-
   
-
   
-
   
-
    - 
Total Non-Real Estate  -   -   -   -   -   - 
Total Impaired Loans with no related allowance  12,115   15,023   -  12,718  742   576 
                   
Impaired Loans with an allowance recorded:
                                 
Real estate:
                                 
Construction & land development
 
842
   
842
   
126
   
829
   
48
   43 
Farmland
  -   
-
   
-
   
-
   
-
    - 
1 - 4 family
 
2,052
   
2,068
   
598
   
2,062
   
97
    87 
Multifamily
 
1,338
   
1,337
   
398
   
1,340
     60    55 
Non-farm non-residential
 
8,848
   
8,913
   
468
   
8,948
   
317
    327 
Total Real Estate
 
13,080
   
13,160
   
1,590
   
13,179
   
522
    512 
Non-Real Estate:                  
Agricultural
 
2,650
   
2,650
   
262
   
-
   
-
    - 
Commercial and industrial
 
1,664
   
1,854
   
19
   
-
   
-
    - 
Consumer and other
 
-
   
-
   
-
   
-
   
-
    - 
Total Non-Real Estate  4,314    4,504    281   -   -    - 
Total Impaired Loans with an allowance recorded  17,394   17,664   1,871  13,179  522   512 
                   
Total Impaired Loans
$
29,509
 
$
32,687
 
$
1,871
 
$
25,897
 
$
1,264
  $ 1,088 
 
 
Troubled Debt Restructurings

A Troubled Debt Restructuring ("TDR") is a debt restructuring in which the creditor for economic or legal reasons related to the debtor's financial difficulties grants a concession to the debtor that it would not otherwise consider. The modifications to First Guaranty's TDRs were concessions on the interest rate charged. The effect of the modifications to First Guaranty was a reduction in interest income. These loans were evaluated in First Guaranty's reserve for loan losses. In 2015, there was one credit relationship in the amount of $0.4 million that was restructured in a troubled debt restructuring. The relationship was secured by raw land. The relationship was placed on interest only with a reduction in scheduled amortization payments and contractual interest rate. In 2014, there was one credit relationship in the amount of $2.2 million that was restructured in a troubled debt restructuring. The relationship was secured by 1-4 family real estate and a non-farm non-residential real estate property. The relationship was placed on interest only with a reduction in scheduled amortization payments and contractual interest rate.
 
The following table is an age analysis of TDRs as of December 31, 2015 and December 31, 2014:
 
Troubled Debt RestructuringsDecember 31, 2015 December 31, 2014 
 Accruing Loans     Accruing Loans     
(in thousands)Current 30-89 Days Past Due Nonaccrual Total TDRs Current 30-89 Days Past Due Nonaccrual Total TDRs 
Real Estate:                        
Construction & land development$ - $- $368 $368 $- $- $- $- 
Farmland  -  -   -   -  -  -  -  - 
1 - 4 Family  -  -  1,702 1,702  -  1,752  -  1,752 
Multifamily  -  -   -   -  -  -  -  - 
Non-farm non residential 3,431  -  206  3,637  2,998  452  230  3,680 
Total Real Estate 3,431  -  2,276  5,707  2,998  2,204  230  5,432 
Non-Real Estate:                        
Agricultural  -  -   -   -  -  -  -  - 
Commercial and industrial  -  -   -   -  -  -  -  - 
Consumer and other  -  -   -   -  -  -  -  - 
Total Non-Real Estate  -  -   -   -  -  -  -  - 
Total$3,431 $- $2,276 $5,707 $2,998 $2,204 $230 $5,432 
 
 
The following table discloses TDR activity for the twelve months ended December 31, 2015.
 
 Trouble Debt Restructured Loans Activity 
 
Twelve Months Ended December 31, 2015
 
(in thousands)
Beginning balance
(December 31, 2014)
 
New TDRs
 
Charge-offs post-modification
 
Transferred to ORE
 
Paydowns
 
Construction to permanent financing
 Restructured to market terms 
Ending balance
 
(December 31, 2015)
 
Real Estate:
                        
Construction & land development
$
-
 
$
368
 
$
-
 
$
-
 
$
-
 $- $ - $368 
Farmland
 
-
  
-
  
-
  
-
  
-
  -   -  - 
1 - 4 family
 
1,752
  
-
  
-
  
-
  
(50
)  -   -  1,702 
Multifamily
 
-
  
-
  
-
  
-
  
-
  -   -  - 
Non-farm non-residential
 
3,680
  
-
  
(29
)  
-
  
(14
) -   -  3,637 
Total Real Estate
 
5,432
  
368
  
(29
)  
-
  
(64
)  -     5,707 
Non-Real Estate:                        
Agricultural
 
-
  
-
  
-
  
-
  
-
  -   -  - 
Commercial and industrial
 
-
  
-
  
-
  
-
  
-
  -   -  - 
Consumer and other
 
-
  
-
  
-
  
-
  
-
  -   -  - 
Total Non-Real Estate  -   -   -   -   -  -   -  - 
Total Impaired Loans with no related allowance$ 5,432 $368 $(29) $ - $(64)$- $ - $5,707 
 
There were no commitments to lend additional funds to debtors whose terms have been modified in a troubled debt restructuring at December 31, 2015.
XML 30 R16.htm IDEA: XBRL DOCUMENT v3.3.1.900
Premises and Equipment
 12 Months Ended
Dec. 31, 2015
Premises and Equipment [Abstract]  
Premises and Equipment
Note 7.  Premises and Equipment
 
The components of premises and equipment at December 31, 2015 and 2014 are as follows:
 
(in thousands) 
December 31, 2015
  
December 31, 2014
 
Land
 $7,227  
$
6,933
 
Bank premises
 18,914   
18,324
 
Furniture and equipment
  21,060   
19,995
 
Construction in progress
  2,667   
254
 
Acquired value
  49,868   
45,506
 
Less: accumulated depreciation
  27,849   
26,295
 
Net book value
 $22,019  
$
19,211
 
 
Depreciation expense amounted to $1.6 million, $1.7 million  and $1.7 million for 2015, 2014 and 2013, respectively.
XML 31 R17.htm IDEA: XBRL DOCUMENT v3.3.1.900
Goodwill and Other Intangible Assets
 12 Months Ended
Dec. 31, 2015
Goodwill and Other Intangible Assets [Abstract]  
Goodwill and Other Intangible Assets
Note 8. Goodwill and Other Intangible Assets
 
Goodwill and intangible assets deemed to have indefinite lives are no longer amortized, but are subject to impairment testing. Other intangible assets continue to be amortized over their useful lives. Goodwill represents the purchase price over the fair value of net assets acquired from the Homestead Bancorp in 2007. No impairment charges have been recognized since acquisition. Goodwill totaled $2.0 million at December 31, 2015 and 2014.
 
The following table summarizes intangible assets subject to amortization.
 
 December 31, 2015 December 31, 2014 
(in thousands)
Gross Carrying Amount Accumulated Amortization Net Carrying Amount Gross Carrying Amount Accumulated Amortization  Net Carrying Amount 
Core deposit intangibles$ 9,350 $ 8,052 $1,298 $9,350 $7,732 $1,618 
Mortgage servicing rights  267  171   96  267  152  115 
Total$ 9,617 $ 8,223 $ 1,394 $9,617 $7,884 $1,733 
 
The core deposits intangible reflect the value of deposit relationships, including the beneficial rates, which arose from acquisitions. The weighted-average amortization period remaining for the core deposit intangibles is 4.4 years.
 
Amortization expense relating to purchase accounting intangibles totaled $0.3 million, $0.3 million, and $0.3 million for the year ended December 31, 2015, 2014, and 2013, respectively.  
 
Amortization expense of the core deposit intangible assets for the next five years is as follows:

For the Years Ended
 
Estimated Amortization Expense (in thousands)
December 31, 2016
 
$  
320
December 31, 2017
 
$  
320
December 31, 2018
 
$  
320
December 31, 2019
 
$  
135
December 31, 2020
 
$  
135
XML 32 R18.htm IDEA: XBRL DOCUMENT v3.3.1.900
Other Real Estate
 12 Months Ended
Dec. 31, 2015
Other Real Estate [Abstract]  
Other Real Estate
Note 9. Other Real Estate
 
Other real estate owned consists of the following:
 
(in thousands)
December 31, 2015 December 31, 2014 
Real Estate Owned Acquired by Foreclosure:      
Residential$ 880 $1,121 
Construction & land development  25  127 
Non-farm non-residential  672  950 
Total Other Real Estate Owned and Foreclosed Property$1,577 $2,198 
XML 33 R19.htm IDEA: XBRL DOCUMENT v3.3.1.900
Deposits
 12 Months Ended
Dec. 31, 2015
Deposits [Abstract]  
Deposits
Note 10.  Deposits
    
A schedule of maturities of all time deposits are as follows:
 
(in thousands)
December 31, 2015 
2016
$401,535 
2017
 118,340 
2018
  18,697 
2019 28,209 
2020 and thereafter 25,229 
Total
$592,010 
 
The table above includes, for December 31, 2015, brokered deposits totaling $26.7 million. The aggregate amount of jumbo time deposits, each with a minimum denomination of $250,000 totaled $305.1 million and $323.7 million at December 31, 2015 and 2014, respectively.
XML 34 R20.htm IDEA: XBRL DOCUMENT v3.3.1.900
Borrowings
 12 Months Ended
Dec. 31, 2015
Borrowings [Abstract]  
Borrowings
Note 11.  Borrowings
    
Short-term borrowings are summarized as follows:
 
(in thousands)
December 31, 2015
 
December 31, 2014
 
Securities sold under agreements to repurchase
$
-
 
$
-
 
Line of credit  1,800  1,800 
Total short-term borrowings
$
1,800
 
$
1,800
 
 
Securities sold under agreements to repurchase, which are classified as secured borrowings, generally mature daily. Interest rates on repurchase agreements are set by Management and are generally based on the 91-day Treasury bill rate. First Guaranty no longer offered repurchase agreements beginning in April 2014. 
 
Available lines of credit totaled $206.2 million at December 31, 2015 and $266.7 million at December 31, 2014.
  
The following schedule provides certain information about First Guaranty's short-term borrowings for the periods indicated:
 
 December 31, 
(in thousands except for %)2015 
2014
 
2013
 
Outstanding at year end
$ 1,800 
$
1,800
 
$
5,788
 
Maximum month-end outstanding
$13,800 $
22,356
  $
57,302
 
Average daily outstanding
$4,217 $
6,960
  $
21,387
 
Weighted average rate during the year
 2.12% 
1.08
%
 
0.98
%
Average rate at year end
 4.50% 
4.50
%
 
1.51
%
 
Long-term debt is summarized as follows:
 
Senior long-term debt with a commercial bank, priced at Wall Street Journal Prime plus 75 basis points (4.00%), totaled $0.9 million at December 31, 2015 and $1.5 million at December 31, 2014. First Guaranty pays $50,000 principal plus interest monthly. This loan has a contractual maturity date of  May 12, 2017. This long-term debt is secured by a pledge of 13.2% (735,745 shares) of First Guaranty's interest in First Guaranty Bank (a wholly owned subsidiary).
 
Senior long-term debt with a commercial bank, priced at floating 3-month LIBOR plus 250 basis points, totaled $25.0 million at December 31, 2015. First Guaranty pays $625,000 principal plus interest quarterly. This loan was originated in December 2015 and has a contractual maturity date of December 22, 2020. This long-term debt is secured by a pledge of 85% (4,823,899 shares) of First Guaranty's interest in First Guaranty Bank (a wholly owned subsidiary).
 
Junior subordinated debt, priced at Wall Street Journal Prime plus 75 basis points (4.00%), totaled $14.6 million at December 31, 2015. First Guaranty pays interest semi-annually for the Fixed Interest Rate Period and quarterly for the Floating Interest Rate Period. The Note is unsecured and ranks junior in right of payment to any senior indebtedness and obligations to general and secured creditors. The Note was originated in December 2015 is scheduled to mature on December 21, 2025. Subject to limited exceptions, First Guaranty cannot repay the Note until after December 21, 2020. The Note qualifies for treatment as Tier 2 capital for regulatory capital purposes.
 
First Guaranty maintains a revolving line of credit for $2.5 million with an availability of $0.7 million at December 31, 2015. This line of credit is secured by the same collateral as the senior term loan and is priced at 4.50%.
 
At December 31, 2015, letters of credit issued by the FHLB totaling $195.0 million were outstanding and carried as off-balance sheet items, all of which expire in 2016. At December 31, 2014, letters of credit issued by the FHLB totaling $150.0 million were outstanding and carried as off-balance sheet items, all of which expired in 2015. The letters of credit are solely used for pledging towards public fund deposits. The FHLB has a blanket lien on substantially all of the loans in First Guaranty's portfolio which is used to secure borrowing availability from the FHLB. First Guaranty has obtained a subordination agreement from the FHLB on First Guaranty's farmland, agricultural, and commercial and industrial loans. These loans are available to be pledged for additional reserve liquidity.
 
As of December 31, 2015 obligations on senior long-term debt and junior subordinated debentures totalled $40.4 million.  The scheduled maturities are as follows:
 
(in thousands)
 
Long-term Debt
  
Junior Subordinated Debentures
 
2016
 
$
3,100
  
$
-
 
2017
  
2,755
   
-
 
2018
  
2,500
   
-
 
2019
  
2,500
   
-
 
2020
  
2,500
   
-
 
2021 and thereafter  12,500   15,000 
Subtotal
 
$
25,855
  
$
15,000
 
Debt issuance costs  (31)   (403) 
Total $25,824  $14,597 
XML 35 R21.htm IDEA: XBRL DOCUMENT v3.3.1.900
Preferred Stock
 12 Months Ended
Dec. 31, 2015
Preferred Stock [Abstract]  
Preferred Stock
Note 12. Preferred Stock
 
On September 22, 2011, First Guaranty received $39.4 million in funds from the U.S. Treasury's Small Business Lending Fund program. $21.1 million of the funds were used to redeem First Guaranty's Series A and B Preferred Stock issued to the U.S. Treasury under the Capital Purchase Program. The Preferred Series C shares received quarterly dividends and the initial dividend rate was 5.00%. The dividend rate was based on qualified loan growth two quarters in arrears. During 2014 First Guaranty achieved the growth in qualified loans required to achieve the 1.0% dividend rate. The 1.0% rate was locked in until December 31, 2015. During 2015 First Guaranty paid $0.4 million in preferred stock dividends compared to $0.4 million in 2014 and $0.7 million in 2013.
 
On December 22, 2015, First Guaranty redeemed all of the 39,435 shares of its Senior Non-Cumulative Perpetual Preferred Stock, Series C, that had been issued to the United States Department of Treasury pursuant to the Small Business Lending Fund (the "SBLF"). The shares were redeemed at their liquidation value of $1,000 per share plus accrued and unpaid dividends to, but excluding December 22, 2015, for a total redemption price of $39.5 million. The redemption was approved by the Federal Reserve Bank of Atlanta and the United States Department of Treasury. The redemption terminated First Guaranty's participation in the SBLF.
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Capital Requirements
 12 Months Ended
Dec. 31, 2015
Capital Requirements [Abstract]  
Capital Requirements
Note 13. Capital Requirements
    
First Guaranty and the Bank are subject to various regulatory capital requirements administered by federal and state banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions that, if undertaken, could have a direct material effect on First Guaranty's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, First Guaranty and the Bank must meet specific capital guidelines that involve quantitative measures of their 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. Prompt corrective action provisions are not applicable to bank holding companies.
 
Quantitative measures established by regulation to ensure capital adequacy require First Guaranty and the Bank to maintain minimum amounts and ratios of total and Tier 1 capital to risk-weighted assets and of Tier 1 capital to average assets. Management believes, as of December 31, 2015 and 2014, that First Guaranty and the Bank met all capital adequacy requirements.
    
As of December 31, 2015, the most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the following table. There are no conditions or events since the notification that Management believes have changed the Bank’s category. First Guaranty's and the Bank’s actual capital amounts and ratios as of December 31, 2015 and 2014 are presented in the following table.
 
 Actual  Minimum Capital Requirements  Minimum to be Well Capitalized Under Action Provisions 
(in thousands except for %)Amount
Ratio
  Amount
Ratio
  Amount
Ratio
 
December 31, 2015            
Total Risk-based Capital:
                    
Consolidated
$
141,022
13.13
%$
85,952
8.00
% 
N/A
N/A
 
Bank
$
148,316
13.86
%$
85,632
8.00
%$
107,040
10.00
%
             
Tier 1 Capital:
                    
Consolidated
$
116,607
10.85
%$
64,464
6.00
% 
N/A
N/A
 
Bank
$
138,901
12.98%$
64,224
6.00
%$85,632
8.00
%
             
Tier 1 Leverage Capital:
                    
Consolidated
$
116,607
8.17
%$
57,121
4.00
% 
N/A
N/A
 
Bank
$
138,901
9.74
%$
57,062
4.00
%$
71,328
5.00
%
                      
Common Equity Tier One Capital:            
Consolidated  $ 116,607 10.85% $ 48,348 4.50%  N/A N/A 
Bank $ 138,901 12.98% $48,168 4.50% $ 69,576 6.50% 
             
December 31, 2014
                    
Total Risk-based Capital:
                    
Consolidated
$
144,834
14.05
%$
82,486
8.00
% 
N/A
N/A
 
Bank
$
143,426
13.96
%$
82,170
8.00
%$
102,712
10.00
%
             
Tier 1 Capital:
                    
Consolidated
$
135,727
13.16
%$
41,243
4.00
% 
N/A
N/A
 
Bank
$
134,319
13.08
%$
41,085
4.00
%$
61,627
6.00
%
             
Tier 1 Leverage Capital:
                    
Consolidated
$
135,737
9.33
%$
58,173
4.00
% 
N/A
N/A
 
Bank
$
134,319
9.26
%$
58,025
4.00
%$
72,532
5.00
%
             
Common Equity Tier One Capital:N/A N/A N/A N/AN/AN/A 
Consolidated  N/A N/A N/A N/A  N/AN/A 
Bank            
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Dividend Restrictions
 12 Months Ended
Dec. 31, 2015
Dividend Restrictions [Abstract]  
Dividend Restrictions
Note 14. Dividend Restrictions
 
The Federal Reserve Bank ("FRB") has stated that, generally, a bank holding company should not maintain a rate of distributions to shareholders unless its available net income has been sufficient to fully fund the distributions, and the prospective rate of earnings retention appears consistent with the bank holding company’s capital needs, asset quality and overall financial condition. As a Louisiana corporation, First Guaranty is restricted under the Louisiana corporate law from paying dividends under certain conditions.
 
First Guaranty Bank may not pay dividends or distribute capital assets if it is in default on any assessment due to the FDIC. First Guaranty Bank is also subject to regulations that impose minimum regulatory capital and minimum state law earnings requirements that affect the amount of cash available for distribution. In addition, under the Louisiana Banking Law, dividends may not be paid if it would reduce the unimpaired surplus below 50% of outstanding capital stock in any year.
 
The Bank is restricted under applicable laws in the payment of dividends to an amount equal to current year earnings plus undistributed earnings for the immediately preceding year, unless prior permission is received from the Commissioner of Financial Institutions for the State of Louisiana. Dividends payable by the Bank in 2016 without permission will be limited to 2016 earnings plus the undistributed earnings of $3.5 million from 2015.
 
Accordingly, at January 1, 2016, $137.0 million of First Guaranty's equity in the net assets of the Bank was restricted. In addition, dividends paid by the Bank to First Guaranty would be prohibited if the effect thereof would cause the Bank’s capital to be reduced below applicable minimum capital requirements.
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Related Party Transactions
 12 Months Ended
Dec. 31, 2015
Related Party Transactions [Abstract]  
Related Party Transactions
Note 15.  Related Party Transactions
    
In the normal course of business, First Guaranty and its subsidiary, First Guaranty Bank,  have loans, deposits and other transactions with its executive officers, directors and certain business organizations and individuals with which such persons are associated. These transactions are completed with terms no less favorable than current market rates. An analysis of the activity of loans made to such borrowers during the year ended December 31, 2015 and 2014 follows:
 
 December 31, 
(in thousands)
2015
 
2014
 
Balance, beginning of year
$
53,808
 
$
49,951
 
Net Increase
 
4,008
   
3,857
 
Balance, end of year
$
57,816
 
$
53,808
 
 
Unfunded commitments to First Guaranty and Bank directors and executive officers totaled $31.6 million and $19.7 million at December 31, 2015 and 2014, respectively. At December 31, 2015 First Guaranty and the Bank had deposits from directors and executives totaling $22.7 million. There were no participations in loans purchased from affiliated financial institutions included in First Guaranty's loan portfolio in 2015 or 2014.
 
During the years ended 2015, 2014 and 2013, First Guaranty paid approximately $0.2 million, $0.2 million and $0.5 million, respectively, for printing services and supplies and office furniture and equipment to Champion Industries, Inc., of which Mr. Marshall T. Reynolds, the Chairman of First Guaranty's Board of Directors, is President, Chief Executive Officer, Chairman of the Board of Directors and a major shareholder of Champion.
 
First Guaranty paid insurance expenses of $0, $2.3 million and $2.4 million for 2015, 2014 and 2013, respectively for participation in an employee medical benefit plan in which several entities under common ownership of First Guaranty's Chairman participate. First Guaranty terminated the plan in 2014 and enrolled in a fully insured plan from a third party national provider of health insurance.
 
First Guaranty paid travel expenses to Sabre Transportation, Inc. of $0, $0 and $49,000 for 2015, 2014 and 2013, respectively. These expenses include the utilization of an aircraft, fuel, air crew and ramp fees. The Harrah and Reynolds Corporation, of which Mr. Reynolds is President and Chief Executive Officer and sole shareholder, has controlling interest in Sabre Transportation, Inc.
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Employee Benefit Plans
 12 Months Ended
Dec. 31, 2015
Employee Benefit Plans [Abstract]  
Employee Benefit Plans
Note 16. Employee Benefit Plans 
    
First Guaranty has an employee savings plan to which employees, who meet certain service requirements, may defer 1% to 20% of their base salaries, 6% of which may be matched up to 100%, at its sole discretion. Contributions to the savings plan were $86,000, $87,000 and $81,000 in 2015, 2014 and 2013, respectively.  First Guaranty has an Employee Stock Ownership Plan (“ESOP”) which was frozen in 2010. No contributions were made to the ESOP for the years 2015, 2014 or 2013. As of December 31, 2015, the ESOP held 14,653 shares. First Guaranty does not plan to make future contributions to this plan.
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Other Expenses
 12 Months Ended
Dec. 31, 2015
Other Expenses [Abstract]  
Other Expenses
Note 17. Other Expenses
 
The following is a summary of the significant components of other noninterest expense:
 
    December 31, 
(in thousands)
 2015  2014  
2013
 
Other noninterest expense:
      
Legal and professional fees
 $2,019  $1,982  
$
2,347
 
Data processing
  1,184   1,153   
1,269
 
Marketing and public relations
  848   700   
638
 
Taxes - sales, capital and franchise
  717   605   
584
 
Operating supplies
  414   410   
487
 
Travel and lodging
  818   566   
563
 
Telephone  172   242   206 
Amortization of core deposits  320   320   320 
Donations  332   150   294 
Net costs from other real estate and repossessions
  493   1,374   
941
 
Regulatory assessment
  1,111   1,181   
1,784
 
Other
  3,326   3,143   
3,237
 
Total other noninterest expense
 $11,754  $11,826  
$
12,670
 
 
First Guaranty does not capitalize advertising costs. They are expensed as incurred and are included in other noninterest expense on the Consolidated Statements of Income. Advertising expense was $0.6 million, $0.4 million and $0.4 million for 2015, 2014 and 2013, respectively.
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Income Taxes
 12 Months Ended
Dec. 31, 2015
Income Taxes [Abstract]  
Income Taxes
Note 18.  Income Taxes
 
The following is a summary of the provision for income taxes included in the Consolidated Statements of Income:
 
   December 31, 
(in thousands)
 2015 
2014
 
2013
 
Current
 $7,347  
$
4,898
  
$
4,748
 
Deferred
  (384)   594   
(171
)
Total
 $6,963  
$
5,492
  
$
4,577
 
 
The difference between income taxes computed by applying the statutory federal income tax rate and the provision for income taxes in the financial statements is reconciled as follows:
 
  December 31, 
(in thousands except for %) 2015  
2014
  
2013
 
Statutory tax rate
 35.0%  
35.0
%
  
35.0
%
             
Federal income taxes at statutory rate
 $7,514  $5,851  
$
4,803
 
Tax exempt municipal income  (436)   (284)  (133)
Other
  (115)   (75)  
(93
)
Total
 $6,963  
$
5,492
  
$
4,577
 
 
Deferred taxes are recorded based upon differences between the financial statement and tax basis of assets and liabilities, and available tax credit carry forwards. Temporary differences between the financial statement and tax values of assets and liabilities give rise to deferred taxes. The significant components of deferred taxes classified in First Guaranty's Consolidated Balance Sheets at December 31, 2015 and 2014 are as follows:
 
    December 31, 
(in thousands) 2015  
2014
 
Deferred tax assets:
    
Allowance for loan losses
 $3,201  
$
3,096
 
Other real estate owned
  127   148 
Unrealized losses on available for sale securities
  445   - 
Other
  541   
407
 
Gross deferred tax assets
  4,314   
3,651
 
         
Deferred tax liabilities:
        
Depreciation and amortization
  (1,588)   (1,779
)
Core deposit intangibles  (441)   (550)
Unrealized gains on available for sale securities
  -   
(124
)
Other
  (373)  
(359
)
Gross deferred tax liabilities
  (2,402)   
(2,812
)
         
Net deferred tax assets
 $1,912  
$
839
 
 
As of December 31, 2015 and 2014, there were no net operating loss carryforwards for income tax purposes.
   
ASC 740-10, Income Taxes, clarifies the accounting for uncertainty in income taxes and prescribes a recognition threshold and measurement attribute for the consolidated financial statements recognition and measurement of a tax position taken or expected to be taken in a tax return. First Guaranty does not believe it has any unrecognized tax benefits included in its consolidated financial statements. First Guaranty has not had any settlements in the current period with taxing authorities, nor has it recognized tax benefits as a result of a lapse of the applicable statute of limitations.  First Guaranty recognizes interest and penalties accrued related to unrecognized tax benefits, if applicable, in noninterest expense. During the years ended December 31, 2015, 2014 and 2013, First Guaranty did not recognize any interest or penalties in its consolidated financial statements, nor has it recorded an accrued liability for interest or penalty payments.
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Commitments and Contingencies
 12 Months Ended
Dec. 31, 2015
Commitments and Contingencies [Abstract]  
Commitments and Contingencies
Note 19.  Commitments and Contingencies
    
Off-balance sheet commitments
 
First Guaranty is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers and to reduce its own exposure to fluctuations in interest rates. These financial instruments include commitments to extend credit and standby and commercial letters of credit. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the Consolidated Balance Sheets. The contract or notional amounts of those instruments reflect the extent of the involvement in particular classes of financial instruments.
 
The exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby and commercial letters of credit is represented by the contractual notional amount of those instruments. Unless otherwise noted, collateral or other security is not required to support financial instruments with credit risk.
 
Set forth below is a summary of the notional amounts of the financial instruments with off-balance sheet risk at December 31, 2015 and December 31, 2014.
 
(in thousands)
 December 31, 2015  December 31, 2014 
Contract Amount    
Commitments to Extend Credit $88,081  $59,675 
Unfunded Commitments under lines of credit  $107,581  $111,247 
Commercial and Standby letters of credit $7,486  $7,743 
 
Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Each customer's creditworthiness is evaluated on a case-by-case basis. The amount of collateral obtained, if deemed necessary upon extension of credit, is based on Management's credit evaluation of the counterpart. Collateral requirements vary but may include accounts receivable, inventory, property, plant and equipment, residential real estate and commercial properties.
   
Standby and commercial letters of credit are conditional commitments to guarantee the performance of a customer to a third party. These guarantees are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing and similar transactions. The majority of these guarantees are short-term, one year or less; however, some guarantees extend for up to three years. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities. Collateral requirements are the same as on-balance sheet instruments and commitments to extend credit.
 
There were no losses incurred on off-balance sheet commitments in 2015, 2014 or 2013.
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Fair Value Measurements
 12 Months Ended
Dec. 31, 2015
Fair Value Measurements [Abstract]  
Fair Value Measurements
Note 20.  Fair Value Measurements
 
The fair value of a financial instrument is the current amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. A fair value measurement assumes that the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability or, in the absence of a principal market, the most advantageous market for the asset or liability. Valuation techniques use certain inputs to arrive at fair value. Inputs to valuation techniques are the assumptions that market participants would use in pricing the asset or liability. They may be observable or unobservable. First Guaranty uses a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. The fair value hierarchy is as follows:
 
Level 1 Inputs – Unadjusted quoted market prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date.
 
Level 2 Inputs – Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (such as interest rates, volatilities, prepayment speeds or credit risks) or inputs that are derived principally from or corroborated by market data by correlation or other means.
 
Level 3 Inputs – Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity’s own assumptions about the assumptions that market participants would use in pricing the assets or liabilities.
 
A description of the valuation methodologies used for instruments measured at fair value follows, as well as the classification of such instruments within the valuation hierarchy.
 
Securities available for sale. Securities are classified within Level 1 where quoted market prices are available in an active market. Inputs include securities that have quoted prices in active markets for identical assets. If quoted market prices are unavailable, fair value is estimated using quoted prices of securities with similar characteristics, at which point the securities would be classified within Level 2 of the hierarchy. Securities classified Level 3 as of December 31, 2015 include municipal bonds and an equity security.
 
Impaired loans. Loans are measured for impairment using the methods permitted by ASC Topic 310. Fair value of impaired loans is measured by either the fair value of the collateral if the loan is collateral dependent (Level 2 or Level 3), or the present value of expected future cash flows, discounted at the loan's effective interest rate (Level 3). Fair value of the collateral is determined by appraisals or by independent valuation.
 
Other real estate owned. Properties are recorded at the balance of the loan or at estimated fair value less estimated selling costs, whichever is less, at the date acquired. Fair values of other real estate owned ("OREO") at December 31, 2015 and 2014 are determined by sales agreement or appraisal, and costs to sell are based on estimation per the terms and conditions of the sales agreement or amounts commonly used in real estate transactions. Inputs include appraisal values or recent sales activity for similar assets in the property’s market; thus OREO measured at fair value would be classified within either Level 2 or Level 3 of the hierarchy.

Certain non-financial assets and non-financial liabilities are measured at fair value on a non-recurring basis including assets and liabilities related to reporting units measured at fair value in the testing of goodwill impairment, as well as intangible assets and other non-financial long-lived assets measured at fair value for impairment assessment.
 
The following table summarizes financial assets measured at fair value on a recurring basis as of December 31, 2015 and 2014, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value:
 
(in thousands)December 31, 2015 December 31, 2014 
Available for Sale Securities Fair Value Measurements Using:
          
Level 1: Quoted Prices in Active Markets For Identical Assets
$
30,501
 
$
36,504
 
Level 2: Significant Other Observable Inputs
 
338,167
  
454,524
 
Level 3: Significant Unobservable Inputs
 
7,701
  
8,780
 
Securities available for sale measured at fair value$376,369 $499,808 
 
First Guaranty's valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values.  While Management believes the methodologies used are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value.  
 
The change in Level 1 securities available for sale from December 31, 2014 was due to a reduction in Treasury bills of $6.0 million. The change in Level 2 securities available for sale from December 31, 2014 was due principally to the sale of short term agency securities.
 
The following table reconciles assets measured at fair value on a recurring basis using unobservable inputs (Level 3):
 
 Level 3 Changes 
(in thousands)December 31, 2015 December 31, 2014 
Balance, beginning of year
$8,780 
$
5,834
 
Total gains or losses (realized/unrealized):
        
   Included in earnings
  -   
-
 
   Included in other comprehensive income
  -   
-
 
Purchases, sales, issuances and settlements, net
 (1,079) 
2,946
 
Transfers in and/or out of Level 3
  -   
-
 
Balance as of end of year
$7,701  $
8,780
 
 
There were no gains or losses for the period included in earnings attributable to the change in unrealized gains or losses relating to assets still held as of December 31, 2015.
 
The following table measures financial assets and financial liabilities measured at fair value on a non-recurring basis as of December 31, 2015, segregated by the level of valuation inputs within the fair value hierarchy utilized to measure fair value:
 
(in thousands)
At December 31, 2015
 
At December 31, 2014
 
Fair Value Measurements Using: Impaired Loans
      
Level 1: Quoted Prices in Active Markets For Identical Assets
$
 - 
$
- 
Level 2: Significant Other Observable Inputs
293 
5,244 
Level 3: Significant Unobservable Inputs
16,401 
15,618 
Impaired loans measured at fair value$16,694 $20,862 
       
Fair Value Measurements Using: Other Real Estate Owned
      
Level 1: Quoted Prices in Active Markets For Identical Assets
$
 - 
$
- 
Level 2: Significant Other Observable Inputs
1,104 
1,847 
Level 3: Significant Unobservable Inputs
473  351 
Other real estate owned measured at fair value$1,577 $2,198 
 
ASC 825-10 provides First Guaranty with an option to report selected financial assets and liabilities at fair value. The fair value option established by this statement permits First Guaranty to choose to measure eligible items at fair value at specified election dates and report unrealized gains and losses on items for which the fair value option has been elected in earnings at each reporting date subsequent to implementation.
 
First Guaranty has chosen not to elect the fair value option for any items that are not already required to be measured at fair value in accordance with accounting principles generally accepted in the United States.
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Financial Instruments
 12 Months Ended
Dec. 31, 2015
Financial Instruments [Abstract]  
Financial Instruments
Note 21.  Financial Instruments
    
Fair value estimates are generally subjective in nature and are dependent upon a number of significant assumptions associated with each instrument or group of similar instruments, including estimates of discount rates, risks associated with specific financial instruments, estimates of future cash flows and relevant available market information. Fair value information is intended to represent an estimate of an amount at which a financial instrument could be exchanged in a current transaction between a willing buyer and seller engaging in an exchange transaction. However, since there are no established trading markets for a significant portion of First Guaranty's financial instruments, First Guaranty may not be able to immediately settle financial instruments; as such, the fair values are not necessarily indicative of the amounts that could be realized through immediate settlement. In addition, the majority of the financial instruments, such as loans and deposits, are held to maturity and are realized or paid according to the contractual agreement with the customer.
 
Quoted market prices are used to estimate fair values when available. However, due to the nature of the financial instruments, in many instances quoted market prices are not available. Accordingly, estimated fair values have been estimated based on other valuation techniques, such as discounting estimated future cash flows using a rate commensurate with the risks involved or other acceptable methods. Fair values are estimated without regard to any premium or discount that may result from concentrations of ownership of financial instruments, possible income tax ramifications or estimated transaction costs. The fair value estimates are subjective in nature and involve matters of significant judgment and, therefore, cannot be determined with precision. Fair values are also estimated at a specific point in time and are based on interest rates and other assumptions at that date. As events change the assumptions underlying these estimates, the fair values of financial instruments will change.
 
Disclosure of fair values is not required for certain items such as lease financing, investments accounted for under the equity method of accounting, obligations of pension and other postretirement benefits, premises and equipment, other real estate, prepaid expenses, the value of long-term relationships with depositors (core deposit intangibles) and other customer relationships, other intangible assets and income tax assets and liabilities. Fair value estimates are presented for existing on- and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. In addition, the tax ramifications related to the realization of the unrealized gains and losses have not been considered in the estimates. Accordingly, the aggregate fair value amounts presented do not purport to represent and should not be considered representative of the underlying market or franchise value of First Guaranty.
 
Because the standard permits many alternative calculation techniques and because numerous assumptions have been used to estimate the fair values, reasonable comparison of the fair value information with other financial institutions' fair value information cannot necessarily be made. The methods and assumptions used to estimate the fair values of financial instruments are as follows:
 
Cash and due from banks, interest-bearing deposits with banks, federal funds sold and federal funds purchased.
 
These items are generally short-term and the carrying amounts reported in the consolidated balance sheets are a reasonable estimation of the fair values.
 
Investment Securities.
 
Fair values are principally based on quoted market prices. If quoted market prices are not available, fair values are based on quoted market prices of comparable instruments or the use of discounted cash flow analyses.
 
Loans Held for Sale.
 
Fair values of mortgage loans held for sale are based on commitments on hand from investors or prevailing market prices. These loans are classified within level 3 of the fair value hierarchy.
 
Loans, net.
 
Market values are computed present values using net present value formulas. The present value is the sum of the present value of all projected cash flows on an item at a specified discount rate. The discount rate is set as an appropriate rate index, plus or minus an appropriate spread. These loans are classified within level 3 of the fair value hierarchy.
 
Impaired loans
 
Fair value of impaired loans is measured by either the fair value of the collateral if the loan is collateral dependent (Level 2 or Level 3), or the present value of expected future cash flows, discounted at the loan's effective interest rate (Level 3). Fair value of the collateral is determined by appraisals or by independent valuation.
 
Accrued interest receivable.
 
The carrying amount of accrued interest receivable approximates its fair value.
 
Deposits.
 
Market values are actually computed present values using net present value formulas. The present value is the sum of the present value of all projected cash flows on an item at a specified discount rate. The discount rate is set as an appropriate rate index, plus or minus an appropriate spread. Deposits are classified within level 3 of the fair value hierarchy.
 
Accrued interest payable.
 
The carrying amount of accrued interest payable approximates its fair value.
 
Borrowings.
 
The carrying amount of federal funds purchased and other short-term borrowings approximate their fair values. The fair value of First Guaranty's long-term borrowings is computed using net present value formulas. The present value is the sum of the present value of all projected cash flows on an item at a specified discount rate. The discount rate is set as an appropriate rate index, plus or minus an appropriate spread. Borrowings are classified within level 3 of the fair value hierarchy.
 
Other Unrecognized Financial Instruments.
 
The fair value of commitments to extend credit is estimated using the fees charged to enter into similar legally binding agreements, taking into account the remaining terms of the agreements and customers' credit ratings. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. Noninterest-bearing deposits are held at cost. The fair values of letters of credit are based on fees charged for similar agreements or on estimated cost to terminate them or otherwise settle the obligations with the counterparties at the reporting date. At December 31, 2015 and 2014 the fair value of guarantees under commercial and standby letters of credit was not material.
 
The estimated fair values and carrying values of the financial instruments at December 31, 2015 and 2014 are presented in the following table:
 December 31, 
 
2015
 
2014
 
(in thousands)
Carrying Value
 
Estimated Fair Value
 
Carrying Value
 
Estimated Fair Value
 
Assets
               
Cash and cash equivalents
$
37,272
 
$
37,272
 
$
44,575
 
$
44,575
 
Securities, available for sale
$
376,369
  $
376,369
  $
499,808
  $
499,808
 
Securities, held to maturity
$
169,752
  $
168,148
  $
141,795
  $
139,688
 
Federal Home Loan Bank stock
$
935
  $
935
  $
1,621
  $
1,621
 
Loans, net
$
832,168
  $
831,731
  $
781,216
  $
780,470
 
Accrued interest receivable
$
6,015
  $
6,015
  $
6,384
  $
6,384
 
                         
Liabilities
                       
Deposits
$
1,295,870
 
$
1,296,468
 
$
1,371,839
 
$
1,373,537
 
Borrowings
$
27,624
  $
27,624
  $
3,255
  $
3,255
 
Junior subordinated debentures$14,597 $14,597 $- $- 
Accrued interest payable
$
1,707
  $
1,707
  $
1,997
  $
1,997
  
 
There is no material difference between the contract amount and the estimated fair value of off-balance sheet items that are primarily comprised of short-term unfunded loan commitments that are generally at market prices.
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Concentrations of Credit and Other Risks
 12 Months Ended
Dec. 31, 2015
Concentrations of Credit and Other Risks [Abstract]  
Concentrations of Credit and Other Risks
Note 22.  Concentrations of Credit and Other Risks
    
First Guaranty monitors loan portfolio concentrations by region, collateral type, loan type, and industry on a monthly basis and has established maximum thresholds as a percentage of its capital to ensure that the desired mix and diversification of its loan portfolio is achieved. First Guaranty is compliant with the established thresholds as of December 31, 2015. Personal, commercial and residential loans are granted to customers, most of who reside in northern and southern areas of Louisiana. Although First Guaranty has a diversified loan portfolio, significant portions of the loans are collateralized by real estate located in Tangipahoa Parish and surrounding parishes in Southeast Louisiana. Declines in the Louisiana economy could result in lower real estate values which could, under certain circumstances, result in losses to First Guaranty.
 
The distribution of commitments to extend credit approximates the distribution of loans outstanding. Commercial and standby letters of credit were granted primarily to commercial borrowers. Generally, credit is not extended in excess of $10.0 million to any single borrower or group of related borrowers.
 
Approximately 43.9% of First Guaranty's deposits are derived from local governmental agencies at December 31, 2015. These governmental depositing authorities are generally long-term customers. A number of the depositing authorities are under contractual obligation to maintain their operating funds exclusively with First Guaranty. In most cases, First Guaranty is required to pledge securities or letters of credit issued by the Federal Home Loan Bank to the depositing authorities to collateralize their deposits. Under certain circumstances, the withdrawal of all of, or a significant portion of, the deposits of one or more of the depositing authorities may result in a temporary reduction in liquidity, depending primarily on the maturities and/or classifications of the securities pledged against such deposits and the ability to replace such deposits with either new deposits or other borrowings. Public fund deposits totaled $568.7 million at December 31, 2015.
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Litigation
 12 Months Ended
Dec. 31, 2015
Litigation [Abstract]  
Litigation
Note 23.  Litigation
 
    
First Guaranty is subject to various legal proceedings in the normal course of its business. It is Management’s belief that the ultimate resolution of such claims will not have a material adverse effect on First Guaranty's financial position or results of operations.
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Condensed Parent Company Information
 12 Months Ended
Dec. 31, 2015
Condensed Parent Company Information [Abstract]  
Condensed Parent Company Information
Note 24.  Condensed Parent Company Information
 
The following condensed financial information reflects the accounts and transactions of First Guaranty Bancshares, Inc. for the dates indicated:
 
First Guaranty Bancshares, Inc.
Condensed Balance Sheets
 
 December 31, 
(in thousands)2015  2014 
Assets
     
Cash
$
16,862
 
$
723
 
Investment in bank subsidiary
 
140,518
   
138,176
 
Investment Securities (available for sale, at fair value)  80  70 
Other assets
 
3,233
   
5,129
 
Total Assets
$
160,693
 
$
144,098
 
             
Liabilities and Shareholders' Equity
           
Short-term debt          $ 1,800 $1,800 
Senior long-term debt
 25,824  2,439 
Junior subordinated debentures 14,597  - 
Other liabilities
 
248
   
276
 
Total Liabilities 42,469  4,515 
Shareholders' Equity
 118,224   
139,583
 
Total Liabilities and Shareholders' Equity
$
160,693
 
$
144,098
 
 
 
First Guaranty Bancshares, Inc.
 
Condensed Statements of Income
 
 
    December 31, 
(in thousands) 2015  2014  2013 
Operating Income      
Dividends received from bank subsidiary
 $9,843  
$
6,448
  
$
4,669
 
Net gains on securities  2,652   -   - 
Other income
  261   162   
90
 
Total operating income
  12,756   
6,610
   
4,759
 
             
Operating Expenses
            
Interest expense
  192   
130
   
115
 
Salaries & Benefits         
  172   140   
88
 
Other expenses
  766   
464
   
449
 
Total operating expenses
  1,130   
734
   
652
 
             
Income before income tax benefit and increase in equity in undistributed earnings of subsidiary
  11,626   
5,876
   
4,107
 
Income tax benefit (expense)
  (605)   
229
   
212
 
Income before increase in equity in undistributed earnings of subsidiary
  11,021   
6,105
   
4,319
 
Increase in equity in undistributed earnings of subsidiary
  3,484   
5,119
   
4,827
 
Net Income
  14,505   11,224   
9,146
 
Less preferred stock dividends
  (384)   
(394
)
  
(713
)
Net income available to common shareholders
 $14,121  
$
10,830
  
$
8,433
 
 
 
 
First Guaranty Bancshares, Inc.
 
Condensed Statements of Cash Flows
 
 
    December 31, 
(in thousands) 2015  
2014
  
2013
 
Cash flows from operating activities:
      
Net income
 $14,505  
$
11,224
  
$
9,146
 
Adjustments to reconcile net income to net cash provided by operating activities:
           
Increase in equity in undistributed earnings of subsidiary
  $(3,484)  
$
(5,119
)
  
(4,827
)
Gain on sale of securities 
 
(2,652
)   
-
   - 
Net change in other liabilities
  (28)   
55
   
2
 
Net change in other assets
  396   
(3,383
)  
161
 
Net cash provided by operating activities
  8,737   
2,777
   
4,482
 
             
Cash flows from investing activities:
            
Proceeds from maturities, calls and sales of AFS securities
  4,152   -   - 
Funds Invested in AFS securities
  (10)   (5)  - 
Net cash provided by (used in) investing activities
  4,142   
(5
)  
-
 
             
Cash flows from financing activities:
            
Proceeds from long-term debt, net of costs  24,969   2,555   - 
Repayment of long-term debt  (1,584)   (616)  (600)
Proceeds from junior subordinated debentures, net of costs
  14,597   
-
  
-
Issuance of common stock, net of costs  9,344   -   - 
Redemption of preferred stock  (39,435)   -   - 
Dividends paid
  (4,631)   
(4,421
)
  
(4,740
)
Net cash provided by (used in) financing activities
  3,260  
(2,482
)
  
(5,340
)
             
Net increase (decrease) in cash and cash equivalents
  16,139   
290
   
(858
)
Cash and cash equivalents at the beginning of the period
  723   
433
   
1,291
 
Cash and cash equivalents at the end of the period
 $16,862  $723  
$
433
 
 
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Business and Summary of Significant Accounting Policies (Policies)
 12 Months Ended
Dec. 31, 2015
Business and Summary of Significant Accounting Policies [Abstract]  
Consolidation
Consolidation
 
The consolidated financial statements include the accounts of First Guaranty Bancshares, Inc., and its wholly owned subsidiary, First Guaranty Bank. All significant intercompany balances and transactions have been eliminated in consolidation.
Acquisition Accounting
Acquisition Accounting
 
Acquisitions are accounted for under the purchase method of accounting. Purchased assets, including identifiable intangibles, and assumed liabilities are recorded at their respective acquisition date fair values. If the fair value of net assets purchased exceeds the consideration given, a gain on acquisition is recognized. If the consideration given exceeds the fair value of the net assets received, goodwill is recognized. Fair values are subject to refinement for up to one year after the closing date of an acquisition as information relative to closing date fair values becomes available. Purchased loans acquired in a business combination are recorded at estimated fair value on their purchase date with no carryover of the related allowance for loan losses. See Acquired Loans section below for accounting policy regarding loans acquired in a business combination.
Use of Estimates
Use of estimates
    
The preparation of financial statements in conformity with generally accepted accounting principles requires Management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the dates of the financial statements and the reported amounts of revenue and expense during the reporting periods. Actual results could differ from those estimates.  Material estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for loan losses, the valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, and the valuation of investment securities. In connection with the determination of the allowance for loan losses and real estate owned, First Guaranty obtains independent appraisals for significant properties.
Cash and Cash Equivalents
Cash and cash equivalents
    
For purposes of reporting cash flows, cash and cash equivalents are defined as cash, due from banks, interest-bearing demand deposits with banks and federal funds sold with maturities of three months or less.
Securities
Securities
 
First Guaranty reviews its financial position, liquidity and future plans in evaluating the criteria for classifying investment securities. Debt securities that Management has the ability and intent to hold to maturity are classified as held to maturity and carried at cost, adjusted for amortization of premiums and accretion of discounts using methods approximating the interest method. Securities available for sale are stated at fair value. The unrealized difference, if any, between amortized cost and fair value of these AFS securities is excluded from income and is reported, net of deferred taxes, in accumulated other comprehensive income as a part of shareholders’ equity. Details of other comprehensive income are reported in the consolidated statements of comprehensive income. Realized gains and losses on securities are computed based on the specific identification method and are reported as a separate component of other income. Amortization of premiums and discounts is included in interest income. Discounts and premiums related to debt securities are amortized using the effective interest rate method.
 
Management evaluates securities for other-than-temporary impairment ("OTTI") at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation.  In estimating other-than-temporary losses, management considers the length of time and extent that fair value has been less than cost and the financial condition and near term prospects of the issuer.  Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings.  For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in other comprehensive income.  The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings. 
Loans Held for Sale
Loans held for sale
 
Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated fair value in the aggregate. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. Loans held for sale have primarily been fixed rate single-family residential mortgage loans under contract to be sold in the secondary market. In most cases, loans in this category are sold within thirty days. Buyers generally have recourse to return a purchased loan under limited circumstances. Recourse conditions may include early payment default, breach of representations or warranties and documentation deficiencies.  Mortgage loans held for sale are generally sold with the mortgage servicing rights released. Gains or losses on sales of mortgage loans are recognized based on the differences between the selling price and the carrying value of the related mortgage loans sold.
Loans
Loans
 
Loans are stated at the principal amounts outstanding, net of unearned income and deferred loan fees. In addition to loans issued in the normal course of business, overdrafts on customer deposit accounts are considered to be loans and reclassified as such. Interest income on all classifications of loans is calculated using the simple interest method on daily balances of the principal amount outstanding.
 
Accrual of interest is discontinued on a loan when Management believes, after considering economic and business conditions and collection efforts, the borrower’s financial condition is such that reasonable doubt exists as to the full and timely collection of principal and interest. This evaluation is made for all loans that are 90 days or more contractually past due. When a loan is placed in nonaccrual status, all interest previously accrued but not collected is reversed against current period interest income. Income on such loans is then recognized only to the extent that cash is received and where the future collection of interest and principal is probable. Loans are returned to accrual status when, in the judgment of Management, all principal and interest amounts contractually due are reasonably assured to be collected within a reasonable time frame and when the borrower has demonstrated payment performance of cash or cash equivalents; generally for a period of six months. All loans, except mortgage loans, are considered past due if they are past due 30 days. Mortgage loans are considered past due when two consecutive payments have been missed. Loans that are past due 90-120 days and deemed uncollectible are charged-off. The loan charge off is a reduction of the allowance for loan losses.
Troubled Debt Restructurings (TDRs)
Troubled Debt Restructurings (TDRs)
 
TDRs are loans in which the borrower is experiencing financial difficulty at the time of restructuring, and the Bank has granted a concession to the borrower.  TDRs are undertaken in order to improve the likelihood of recovery on the loan and may take the form of modifications made with the stated interest rate lower than the current market rate for new debt with similar risk, other modifications to the structure of the loan that fall outside of normal underwriting policies and procedures, or in limited circumstances forgiveness of principal and / or interest.  TDRs can involve loans remaining on non-accrual, moving to non-accrual, or continuing on accrual status, depending on the individual facts and circumstances of the borrower.  TDRs are subject to policies governing accrual and non-accrual evaluation consistent with all other loans as discussed in the “Loans” section above.  All loans with the TDR designation are considered to be impaired, even if they are accruing. 
 
First Guaranty's policy is to evaluate TDRs that have subsequently been restructured and returned to market terms after 12 months of performance. The evaluation includes a review of the loan file and analysis of the credit to assess the loan terms, including interest rate to insure such terms are consistent with market terms.  The loan terms are compared to a sampling of loans with similar terms and risk characteristics, including loans originated by First Guaranty and loans lost to a competitor.  The sample provides a guide to determine market terms pursuant to ASC 310-40-50-2.  The loan is also evaluated at that time for impairment  A loan determined to be restructured to market terms and not considered impaired will no longer be disclosed as a TDR in the years following the restructuring.  These loans will continue to be individually evaluated for impairment.  A loan determined to either be restructured to below market terms or to be impaired will remain a TDR. 
Credit Quality
Credit Quality
 
First Guaranty's credit quality indicators are pass, special mention, substandard, and doubtful.
 
Loans included in the pass category are performing loans with satisfactory debt coverage ratios, collateral, payment history, and documentation requirements.
 
Special mention loans have potential weaknesses that deserve close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects. Borrowers may be experiencing adverse operating trends (declining revenues or margins) or an ill proportioned balance sheet (e.g., increasing inventory without an increase in sales, high leverage, tight liquidity). Adverse economic or market conditions, such as interest rate increases or the entry of a new competitor, may also support a special mention rating. Nonfinancial reasons include management problems, pending litigation, an ineffective loan agreement or other material structural weakness, and any other significant deviation from prudent lending practices.
 
A substandard loan is inadequately protected by the paying capacity of the obligor or of the collateral pledged, if any. Loans classified as substandard have a well-defined weakness. They are characterized by the distinct possibility that First Guaranty will sustain some loss if the deficiencies are not corrected. These loans require more intensive supervision. Substandard loans are generally characterized by current or expected unprofitable operations, inadequate debt service coverage, inadequate liquidity, or marginal capitalization. Repayment may depend on collateral or other credit risk mitigates. For some substandard loans, the likelihood of full collection of interest and principal may be in doubt and interest is no longer accrued. Consumer loans that are 90 days or more past due or that are nonaccrual are considered substandard.
 
Doubtful loans have the weaknesses of substandard loans with the additional characteristic that the weaknesses make collection or liquidation in full questionable and there is a high probability of loss based on currently existing facts, conditions and values.
 
A loan is considered impaired when, based on current information and events, it is probable that First Guaranty will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by Management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent. This process is only applied to impaired loans or relationships in excess of $250,000. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, individual consumer and residential loans are not separately identified for impairment disclosures, unless such loans are the subject of a restructuring agreement. Loans that have been restructured in a troubled debt restructuring will continue to be evaluated individually for impairment, including those no longer requiring disclosure.
Acquired Loans
Acquired Loans
 
Loans are recorded at estimated fair value on their purchase date with no carryover of the related allowance for loan losses. Acquired loans are segregated between those with deteriorated credit quality at acquisition and those deemed as performing. To make this determination, Management considers such factors as past due status, nonaccrual status, credit risk ratings, interest rates and collateral position. The fair value of acquired loans deemed performing is determined by discounting cash flows, both principal and interest, for each pool at prevailing market interest rates as well as consideration of inherent potential losses. The difference between the fair value and principal balances due at acquisition date, the fair value discount, is accreted into income over the estimated life of each loan pool.
 
Loans acquired in a business combination are recorded at their estimated fair value on their purchase date with no carryover of the related allowance for loan losses. Performing acquired loans are subsequently evaluated for any required allowance at each reporting date. An allowance for loan losses is calculated using a similar methodology for originated loans.
Loan Fees and Costs
Loan fees and costs
 
Nonrefundable loan origination and commitment fees and direct costs associated with originating loans are deferred and recognized over the lives of the related loans as an adjustment to the loans' yield using the level yield method.
Allowance for Loan Losses
Allowance for loan losses
 
The allowance for loan losses is established through a provision for loan losses charged to expense. Loans are charged against the allowance for loan losses when Management believes that the collectability of the principal is unlikely. The allowance, which is based on evaluation of the collectability of loans and prior loan loss experience, is an amount that, in the opinion of Management, reflects the risks inherent in the existing loan portfolio and exists at the reporting date. The evaluations take into consideration a number of subjective factors including changes in the nature and volume of the loan portfolio, historical losses, overall portfolio quality, review of specific problem loans, current economic conditions that may affect a borrower’s ability to pay, adequacy of loan collateral and other relevant factors. In addition, regulatory agencies, as an integral part of their examination process, periodically review the estimated losses on loans. Such agencies may require additional recognition of losses based on their judgments about information available to them at the time of their examination.
 
The following are general credit risk factors that affect First Guaranty's loan portfolio segments.  These factors do not encompass all risks associated with each loan category.  Construction and land development loans have risks associated with interim construction prior to permanent financing and repayment risks due to the future sale of developed property.  Farmland and agricultural loans have risks such as weather, government agricultural policies, fuel and fertilizer costs, and market price volatility.  1-4 family, multi-family, and consumer credits are strongly influenced by employment levels, consumer debt loads and the general economy.  Non-farm non-residential loans include both owner occupied real estate and non-owner occupied real estate.  Common risks associated with these properties is the ability to maintain tenant leases and keep lease income at a level able to service required debt and operating expenses.  Commercial and industrial loans generally have non-real estate secured collateral which requires closer monitoring than real estate collateral.
  
Although Management uses available information to recognize losses on loans, because of uncertainties associated with local economic conditions, collateral values and future cash flows on impaired loans, it is reasonably possible that a material change could occur in the allowance for loan losses in the near term. However, the amount of the change that is reasonably possible cannot be estimated.  The evaluation of the adequacy of loan collateral is often based upon estimates and appraisals. Because of changing economic conditions, the valuations determined from such estimates and appraisals may also change. Accordingly, First Guaranty may ultimately incur losses that vary from Management's current estimates. Adjustments to the allowance for loan losses will be reported in the period such adjustments become known or can be reasonably estimated. All loan losses are charged to the allowance for loan losses when the loss actually occurs or when the collectability of the principal is unlikely. Recoveries are credited to the allowance at the time of recovery.
 
The allowance consists of specific, general, and unallocated components. The specific component relates to loans that are classified as doubtful, substandard, and impaired. For such loans that are also classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. Also, a specific reserve is allocated for syndicated loans. The general component covers non-classified loans and special mention loans and is based on historical loss experience adjusted for qualitative factors. An unallocated component is maintained to cover uncertainties that could affect the estimate of probable losses.
 
The allowance for loan losses is reviewed on a monthly basis. The monitoring of credit risk also extends to unfunded credit commitments, such as unused commercial credit lines and letters of credit. A reserve is established as needed for estimates of probable losses on such commitments.  
Goodwill and Intangible Assets
Goodwill and intangible assets

Goodwill and intangible assets deemed to have indefinite lives are subject to annual impairment tests. First Guaranty's goodwill is tested for impairment on an annual basis, or more often if events or circumstances indicate that there may be impairment. Adverse changes in the economic environment, declining operations, or other factors could result in a decline in the implied fair value of goodwill. If the implied fair value is less than the carrying amount, a loss would be recognized in other non-interest expense to reduce the carrying amount to implied fair value of goodwill. The goodwill impairment test includes two steps that are preceded by a, “step zero”, qualitative test. The qualitative test allows Management to assess whether qualitative factors indicate that it is more likely than not that impairment exists. If it is not more likely than not that impairment exists, then no impairment exists and the two step quantitative test would not be necessary. These qualitative indicators include factors such as earnings, share price, market conditions, etc. If the qualitative factors indicate that it is more likely than not that impairment exists, then the two step quantitative test would be necessary. Step one is used to identify potential impairment and compares the estimated fair value of a reporting unit with its carrying amount, including goodwill. If the estimated fair value of a reporting unit exceeds its carrying amount, goodwill of the reporting unit is not considered impaired. If the carrying amount of a reporting unit exceeds its estimated fair value, the second step of the goodwill impairment test is performed to measure the amount of impairment loss, if any. Step two of the goodwill impairment test compares the implied estimated fair value of reporting unit goodwill with the carrying amount of that goodwill. If the carrying amount of goodwill for that reporting unit exceeds the implied fair value of that unit’s goodwill, an impairment loss is recognized in an amount equal to that excess.
 
Identifiable intangible assets are acquired assets that lack physical substance but can be distinguished from goodwill because of contractual or legal rights or because the assets are capable of being sold or exchanged either on their own or in combination with the related contract, asset or liability. First Guaranty's intangible assets primarily relate to core deposits. These core deposit intangibles are amortized on a straight-line basis over terms ranging from seven to fifteen years. Management periodically evaluates whether events or circumstances have occurred that impair this deposit intangible.
Premises and Equipment
Premises and equipment
    
Premises and equipment are stated at cost, less accumulated depreciation. Depreciation is computed for financial reporting purposes using the straight-line method over the estimated useful lives of the respective assets as follows:
 
Buildings and improvements 10-40 years
Equipment, fixtures and automobiles 3-10 years
 
Expenditures for renewals and betterments are capitalized and depreciated over their estimated useful lives. Repairs, maintenance and minor improvements are charged to operating expense as incurred. Gains or losses on disposition, if any, are recorded as a separate line item in noninterest income on the Statements of Income.
Other Real Estate
Other real estate
 
Other real estate includes properties acquired through foreclosure or acceptance of deeds in lieu of foreclosure. These properties are recorded at the lower of the recorded investment in the property or its fair value less the estimated cost of disposition. Any valuation adjustments required prior to foreclosure are charged to the allowance for loan losses. Subsequent to foreclosure, losses on the periodic revaluation of the property are charged to current period earnings as other real estate expense. Costs of operating and maintaining the properties are charged to other real estate expense as incurred. Any subsequent gains or losses on dispositions are credited or charged to income in the period of disposition.
Off-balance Sheet Financial Instruments
Off-balance sheet financial instruments
    
In the ordinary course of business, First Guaranty has entered into commitments to extend credit, including commitments under credit card arrangements, commitments to fund commercial real estate, construction and land development loans secured by real estate, and performance standby letters of credit. Such financial instruments are recorded when they are funded.
Income Taxes
Income taxes
    
First Guaranty and its subsidiary file a consolidated federal income tax return on a calendar year basis. In lieu of Louisiana state income tax, the Bank is subject to the Louisiana bank shares tax, which is included in noninterest expense in First Guaranty's consolidated financial statements. With few exceptions, First Guaranty is no longer subject to U.S. federal, state or local income tax examinations for years before 2012. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the deferred tax assets or liabilities are expected to be settled or realized. Valuation allowances are established when necessary to reduce deferred tax assets to the amount expected to be utilized.
Comprehensive Income
Comprehensive income
    
Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities, are reported as a separate component of the equity section of the balance sheet, such items along with net income, are components of comprehensive income. The components of other comprehensive income and related tax effects are presented in the Statements of Comprehensive Income.
Fair Value Measurements
Fair Value Measurements
 
The fair value of a financial instrument is the current amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. A fair value measurement assumes that the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability or, in the absence of a principal market, the most advantageous market for the asset or liability. Valuation techniques use certain inputs to arrive at fair value. Inputs to valuation techniques are the assumptions that market participants would use in pricing the asset or liability. They may be observable or unobservable. First Guaranty uses a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. See Note 21 for a detailed description of fair value measurements.
Transfers of Financial Assets
Transfers of Financial Assets
 
Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (i) the assets have been isolated from First Guaranty, (ii) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (iii) First Guaranty does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Earnings per Common Share
Earnings per common share
 
Earnings per share represents income available to common shareholders divided by the weighted average number of common shares outstanding during the period. In December of 2015, First Guaranty issued a pro rata, 10% common stock dividend. The shares issued for the stock dividend have been retrospectively factored into the calculation of earnings per share as well as cash dividends paid on common stock and represented on the face of the financial statements. No convertible shares of First Guaranty's stock are outstanding.
Operating Segments
Operating Segments
 
All of First Guaranty's operations are considered by management to be aggregated into one reportable operating segment. While the chief decision-makers monitor the revenue streams of the various products and services, the identifiable segments are not material. Operations are managed and financial performance is evaluated on a Company-wide basis.
Reclassifications
Reclassifications
 
Certain reclassifications have been made to prior year end financial statements in order to conform to the classification adopted for reporting in 2015.
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Recent Accounting Pronouncements (Policies)
 12 Months Ended
Dec. 31, 2015
Recent Accounting Pronouncements [Abstract]  
Recent Accounting Pronouncements
In April 2015, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") No. 2015-03, "Interest - Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs." The amendments in this guidance require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this ASU.

This guidance is effective for interim and annual reporting periods beginning after December 15, 2015, with early adoption permitted. This guidance must be adopted retrospectively, wherein the balance sheet of each period presented should be adjusted to reflect the new guidance. First Guaranty has elected early adoption of this guidance in 2015. The adoption of this guidance did not have a material impact upon First Guaranty's financial statements. No adjustments to prior year information was necessary upon the adoption of the guidance.
 
In September 2015, the FASB issued ASU 2015-16, "Simplifying the Accounting for Measurement-Period Adjustments". The guidance eliminates the requirement that an acquirer in a business combination account for measurement-period adjustments retrospectively. The ASU is effective for annual and interim periods beginning after December 15, 2015. The adoption of this ASU is not expected to have a material effect on First Guaranty's Consolidated Financial Statements.
 
In January 2016, the FASB issued ASU 2016-01, "Recognition and Measurement of Financial Assets and Financial Liabilities". The ASU amendments include changes related to how certain equity investments are measured, recognize changes in the fair value of financial certain liabilities measured under the fair value option, and disclose and present financial assets and liabilities on First Guaranty's consolidated financial statements. Additionally, the ASU will also require entities to present financial assets and financial liabilities separately, grouped by measurement category and form of financial asset in the statement of financial position or in the accompanying notes to the financial statements. Entities will also no longer have to disclose the methods and significant assumptions for financial instruments measured at amortized cost, but will be required to measure such instruments under the "exit price" notion for disclosure purposes. The ASU is effective for annual and interim periods beginning after December 15, 2017. The adoption of this ASU is not expected to have a material effect on First Guaranty's Consolidated Financial Statements.
 
In February 2016, the FASB issued ASU 2016-02, "Conforming Amendments Related to Leases". This ASU amends the codification regarding leases in order to increase transparency and comparability. The ASU requires companies to recognize lease assets and liabilities on the statement of condition and disclose key information about leasing arrangements. A lessee would recognize a liability to make lease payments and a right-of-use asset representing its right to use the leased asset for the lease term. The ASU is effective for annual and interim periods beginning after December 15, 2018. The adoption of this ASU is not expected to have a material effect on First Guaranty's Consolidated Financial Statements.
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Securities (Tables)
 12 Months Ended
Dec. 31, 2015
Securities [Abstract]  
Summary Comparison of Securities by Type
A summary comparison of securities by type at December 31, 2015 and 2014 is shown below.
 
 
December 31, 2015
 
December 31, 2014
 
(in thousands)
Amortized Cost
 
Gross Unrealized Gains
 
Gross Unrealized Losses
 
Fair Value
 
Amortized Cost
 
Gross Unrealized Gains
 
Gross Unrealized Losses
 
Fair Value
 
Available-for-sale:
                               
U.S Treasuries$29,999 $- $- $29,999 $36,000 $- $- $36,000 
U.S. Government Agencies
  165,364 
 
-
 
 
(1,553
)
 
163,811
 
 
295,620
   
30
 
 
(4,155
)
 
291,495
 
Corporate debt securities
  105,680   
2,259
   
(2,803
)
 
105,136
   
126,654
   
4,415
   
(1,006
)
 
130,063
 
Mutual funds or other equity securities
  580   
2
   
-
 
 
582
   
570
   
4
   
-
 
 
574
 
Municipal bonds
  47,339   
899
   
(5
)
 
48,233
   
40,599
   
1,077
   
-
 
 
41,676
 
Mortgage-backed securities 28,891  -  (283)  28,608  -  -  -  - 
Total available-for-sale securities
 
377,853
 
 
3,160
 
 
(4,644
)
 
376,369
 
 
499,443
 
 
5,526
 
 
(5,161
)
 
499,808
 
                                                 
Held to maturity:
                                               
U.S. Government Agencies
 
77,343
 
 
-
 
 
(721
)
 
76,622
 
 
84,479
 
 
-
 
 
(1,950
)
 
82,529
 
Mortgage-backed securities 92,409  9  (892)  91,526  57,316  57  (214)  57,159 
Total held to maturity securities
$
169,752 
$
9
 
$
(1,613
)
$
168,148
 
$
141,795
 
$
57
 
$
(2,164
)
$
139,688
 
Investments Classified by Contractual Maturity Date
The scheduled maturities of securities at December 31, 2015, by contractual maturity, are shown below. Actual maturities may differ from contractual maturities due to call or prepayments. Mortgage-backed securities are not due at a single maturity because of amortization and potential prepayment of the underlying mortgages. For this reason they are presented separately in the maturity table below.
 
 
December 31, 2015
 
(in thousands)
Amortized Cost
 
Fair Value
 
Available-for-sale:
       
Due in one year or less
$
38,847
 
$
38,905
 
Due after one year through five years
 
138,704
   
138,924
 
Due after five years through 10 years
 
124,736
   
122,706
 
Over 10 years
 
46,675
   
47,226
 
   Subtotal 348,962  347,761 
 Mortgage-backed Securities 28,891  28,608 
Total available-for-sale securities
 
377,853
 
 
376,369
 
             
Held to maturity:
           
Due in one year or less
 
-
 
 
-
 
Due after one year through five years
 
21,803
   
21,545
 
Due after five years through 10 years
 
55,540
   
55,077
 
Over 10 years
 
-
   
-
 
  Subtotal 77,343  76,622 
Mortgage-backed Securities 92,409  91,526 
Total held to maturity securities
$
169,752
 
$
168,148 
Schedule of Unrealized Loss on Investments
The following is a summary of the fair value of securities with gross unrealized losses and an aging of those gross unrealized losses as of the dates indicated:
 
At December 31, 2015 
 Less Than 12 Months 12 Months or More Total 
(in thousands)Number of Securities 
Fair Value
 
Gross Unrealized Losses
 Number of Securities 
Fair Value
 
Gross Unrealized Losses
 Number of Securities 
Fair Value
 
Gross Unrealized Losses
 
Available-for-sale:
                  
U.S. Treasuries 2 $9,999 $-  - $- $- 2  $9,999 $- 
U.S. Government agencies
49  
116,473
  
(921
)  11  
47,338
 
 
(632
)  60  
163,811
  
(1,553
)
Corporate debt securities
112  
31,414
  
(1,509
)27   
5,344
  
(1,294
)139   
36,758
  
(2,803
)
Mutual funds or other equity securities
-  -  - -   -  -  -  -  - 
Municipal bonds 2  679  (5)  -  -  - 2   679  (5) 
Mortgage-backed securities 14  28,608  (283)  -  -  - 14   28,608  (283) 
Total available-for-sale securities
179  
187,173
 
(2,718
) 38 
52,682
 
(1,926
) 217 
239,855
  
(4,644
)
                         
Held to maturity:
                        
U.S. Government agencies
16 
51,865
  
(404
) 7  
23,852
 
(317
)  23 
75,717
 
(721
)
Mortgage-backed securities39   82,863  (892) -   -  -  39  82,863  (892) 
Total held to maturity securities
55  
$
134,728
 
$
(1,296
)7  
$
23,852
 
$
(317
)  62 
$
158,580
 
$
(1,613
) 
 
 
 At December 31, 2014 
 Less Than 12 Months 12 Months or More Total 
(in thousands)Number of Securities 
Fair Value
 
Gross Unrealized Losses
 Number of Securities 
Fair Value
 
Gross Unrealized Losses
 Number of Securities 
Fair Value
 
Gross Unrealized Losses
 
Available-for-sale:
                  
U.S. Treasuries 4 $ 24,000 $ -  - $ - $ -  4 $ 24,000 $ - 
U.S. Government agencies
 4  
43,983
  
(17
)  66  
232,482
 
 
(4,138
)  70  
276,465
  
(4,155
) 
Corporate debt securities
 37  
15,395
  
(238
)  50  
15,397
  
(768
)  87  
30,792
  
(1,006
) 
Mutual funds or other equity securities
 -   -   -  -   -   -  -   -   - 
Municipal bonds -     -   -  -   -   -  -   -   - 
Total available-for-sale securities
 45  
83,378
 
(255
) 116 
247,879
 
(4,906
)  161 
331,257
  
(5,161
) 
                         
Held to maturity:
                        
U.S. Government agencies
 1 
4,993
  
(7
)  19  
77,536
 
(1,943
)  20 
82,529
 
(1,950
) 
Mortgage-backed securities 7   12,008  (13)  12   29,415  (201)  19   41,423   (214) 
Total held to maturity securities
 8 
$
17,001
 
$
(20
) 31 
$
106,951
 
$
(2,144
)  39 
$
123,952
 
$
(2,164
) 
Schedule of Other than Temporary Impairment Losses on Available-for-Sale Securities
During the years ended December 31, 2015, First Guaranty recorded OTTI losses on available-for-sale securities as follows:
(in thousands)
 
Year Ended
December 31, 2015
 
Total OTTI charge realized and unrealized
 
$
571
 
OTTI recognized in other comprehensive income (non-credit component)
  
396
 
Net impairment losses recognized in earnings (credit component)
 
$
175
 
 
Credit Losses on Debt Securities for which Portion of OTTI Recognized in OCI
The following table presents a roll-forward of the amount of credit losses on debt securities held by First Guaranty for which a portion of OTTI was recognized in other comprehensive income for the year end year ended December 31, 2015:
 
(in thousands)    
Beginning balance of credit losses at December 31, 2014
 
$
-
 
Other-than-temporary impairment credit losses on securities not previously OTTI
  
175
 
Increases for additional credit losses on securities previously determined to be OTTI
  
-
 
Reduction for increases in cash flows
  
-
 
Reduction due to credit impaired securities sold or fully settled
  
-
 
Ending balance of cumulative credit losses recognized in earnings at December 31, 2015
 
$
175
 
Schedule of Exposure to Investment Securities Issuers that Exceeded 10% of Shareholder's Equity
At December 31, 2015, First Guaranty's exposure to investment securities issuers that exceeded 10% of shareholders’ equity as follows:
 
 
At December 31, 2015
 
(in thousands)
Amortized Cost
 
Fair Value
 
U.S. Treasuries
$
29,999
 
$
29,999
 
Federal Home Loan Bank (FHLB)  
85,507
   
84,689
 
Federal Home Loan Mortgage Corporation (Freddie Mac-FHLMC)
 
66,271
   
65,589
 
Federal National Mortgage Association (Fannie Mae-FNMA)
 
127,504
   
126,294
 
Federal Farm Credit Bank (FFCB)
 84,726  83,996 
Total
$
394,007
 
$
390,567
 
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Loans (Tables)
 12 Months Ended
Dec. 31, 2015
Loans [Abstract]  
Summary of Components of Loan Portfolio
The following table summarizes the components of First Guaranty's loan portfolio as of the dates indicated:
 
 
December 31, 2015
 
December 31, 2014
 
(in thousands except for %)
Balance
 
As % of Category
 
Balance
 
As % of Category
 
Real Estate:
               
Construction & land development
$
56,132
 
6.6
%
$
52,094
 
6.6
%
Farmland
 
17,672
 
2.1
%
 
13,539
 
1.7
%
1- 4 Family
 
129,610
 
15.4
%
 
118,181
 
14.9
%
Multifamily
 
12,629
 
1.5
%
 
14,323
 
1.8
%
Non-farm non-residential
 
323,363
 
38.3
%
 
328,400
 
41.5
%
Total Real Estate
 
539,406
 
63.9
%
 
526,537
 
66.5
%
Non-real Estate:          
Agricultural
 
25,838
 
3.1
%
 
26,278
 
3.3
%
Commercial and industrial
 
224,201
 
26.6
%
 
196,339
 
24.8
%
Consumer and other
 
54,163
 
6.4
%
 
42,991
 
5.4
%
Total Non-real Estate 304,202 36.1% 265,608 33.5%
Total Loans Before Unearned Income
 
843,608
 
100.0
%
 
792,145
 
100.0
%
Unearned income
 
(2,025
)
     
(1,824
)
   
Total Loans Net of Unearned Income
$
841,583
     
$
790,321
     
Summary of Fixed and Floating Rate Loans by Contractual Maturity, Excluding Nonaccrual Loans
The following table summarizes fixed and floating rate loans by contractual maturity, excluding nonaccrual loans, as of December 31, 2015 and December 31, 2014 unadjusted for scheduled principal payments, prepayments, or repricing opportunities. The average life of the loan portfolio may be substantially less than the contractual terms when these adjustments are considered.
 
 
December 31, 2015
  December 31, 2014 
(in thousands)
Fixed
 
Floating
 
Total
  Fixed Floating Total 
One year or less
$
86,975
 
$
48,111
 
$
135,086
  $88,686 $72,250 $160,936 
One to five years
 
315,685
   
246,374
   
562,059
   253,306  225,655  478,961 
Five to 15 years
 
49,197
   
31,456
   
80,653
   67,012  39,634  106,646 
Over 15 years
 
36,438
   
9,333
   
45,771
   25,304  8,104  33,408 
  Subtotal
$
488,295
  $
335,274
   
823,569
  $434,308 $345,643  779,951 
Nonaccrual loans
             
20,039
         12,194 
Total Loans Before Unearned Income
            
843,608
         792,145 
Unearned income
             
(2,025
)
       (1,824)
Total Loans Net of Unearned Income
           
$
841,583
        $790,321 
Past due Financing Receivables
The following tables present the age analysis of past due loans for the periods indicated:
 
As of December 31, 2015
 
(in thousands)
30-89 Days Past Due
 
90 Days or Greater Past Due
 
Total Past Due
 
Current
 
Total Loans
 
Recorded Investment 90 Days Accruing
 
Real Estate:
                  
Construction & land development
$
12
 
$
558
 
$
570
 
$
55,562
 
$
56,132
 
$
- 
Farmland
 
-
  136  
136
  
17,536
  
17,672
  19 
1 - 4 family
 
2,546
  
4,929
  
7,475
  
122,135
  
129,610
  391 
Multifamily
 
-
  
9,045
  
9,045
  
3,584
  
12,629
  - 
Non-farm non-residential
 
1,994
  
2,934
  4,928  
318,435
  
323,363
  - 
Total Real Estate
 
4,552
  
17,602
  
22,154
  
517,252
  
539,406
  410 
Non-Real Estate:                  
Agricultural
 
2,346
  2,628  
4,974
  
20,864
  25,838  - 
Commercial and industrial
 
314
  48  
362
  
223,839
  
224,201
  - 
Consumer and other
 965  171  
1,136
  
53,027
  
54,163
  - 
Total Non-Real Estate 3,625  2,847  6,472   297,730  304,202  - 
Total Loans Before Unearned Income
$
8,177
 
$
20,449
 
$
28,626
 
$
814,982
 
 
843,608
 
$
410 
Unearned income
             
(2,025
)
   
Total Loans Net of Unearned Income
            
$
841,583
    
 
 
 
As of December 31, 2014
 
(in thousands)
30-89 Days Past Due
 
90 Days or Greater Past Due
 
Total Past Due
 
Current
 
Total Loans
 
Recorded Investment 90 Days Accruing
 
Real Estate:
                  
Construction & land development
$
338
 
$
486
 
$
824
 
$
51,270
 
$
52,094
 
$
 - 
Farmland
 
10
  153  
163
  
13,376
  
13,539
   - 
1 - 4 family
 
2,924
  
4,418
  
7,342
  
110,839
  
118,181
  599 
Multifamily
 
2,990
  
-
  
2,990
  
11,333
  
14,323
   - 
Non-farm non-residential
 
1,509
  
4,993
  
6,502
  
321,898
  
328,400
  - 
Total Real Estate
 
7,771
  
10,050
  
17,821
  
508,716
  
526,537
   599 
Non-Real Estate:                  
Agricultural
 
-
  832  
832
  
25,446
   26,278   - 
Commercial and industrial
 
1,241
  1,907  
3,148
  
193,191
  
196,339
   - 
Consumer and other
 
105
  
4
  
109
  
42,882
  
42,991
   - 
Total Non-Real Estate 1,346  2,743   4,089   261,519   265,608   - 
Total Loans Before Unearned Income
$
9,117
 
$
12,793
 
$
21,910
 
$
770,235
 
 
792,145
 
$
599 
Unearned income
             
(1,824
)
   
Total Loans Net of Unearned Income
            
$
790,321
    
Schedule of Financing Receivables, Non Accrual Status
The following is a summary of nonaccrual loans by class for the periods indicated:
 
 As of December 31, 
(in thousands)
2015
 2014 
Real Estate:
        
Construction & land development
$
558
 $486 
Farmland
  117  153 
1 - 4 family 
 
4,538
  3,819 
Multifamily
 
9,045
  - 
Non-farm non-residential
 
2,934
  4,993 
Total Real Estate
 
17,192
  9,451 
Non-Real Estate:      
Agricultural
 
2,628
  832 
Commercial and industrial
 
48
  1,907 
Consumer and other
 
171
  4 
Total Non-Real Estate 2,847  2,743 
Total Nonaccrual Loans
$
20,039
 $12,194 
Financing Receivable Credit Quality Indicators
The following table identifies the credit exposure of the loan portfolio by specific credit ratings for the periods indicated:
 
 
As of December 31, 2015
  As of December 31, 2014 
(in thousands)
Pass
 
Special Mention
 
Substandard
 Doubtful 
Total
  Pass Special Mention Substandard Doubtful Total 
Real Estate:
                                          
Construction & land development
$
51,681
 
$
386
 
$
4,065
 $- 
$
56,132
  $46,451 $559 $5,084 $- $52,094 
Farmland
 
17,554
   
-
   
118
  -   
17,672
   13,299  87  153  -  13,539 
1 - 4 family
 
115,878
   
6,425
   
7,307
  -   
129,610
   103,582  6,113  8,486  -  118,181 
Multifamily
 
3,584
   
-
   
9,045
  -   
12,629
   3,581  6,414  4,328  -  14,323 
Non-farm non-residential
 
296,682
   
3,288
   
23,393
  -   
323,363
   300,319  6,788  21,293  -  328,400 
Total Real Estate
 
485,379
   
10,099
   
43,928
  -   
539,406
   467,232  19,961  39,344  -  526,537 
Non-Real Estate:                              
Agricultural
 
20,860
   
4
   
4,974
  -   
25,838
   22,789  7  3,482  -  26,278 
Commercial and industrial
 
214,184
   
471
   
9,546
  -     224,201   185,839  8,611  1,889  -  196,339 
Consumer and other
 
53,779
   
178
   
206
  -   
54,163
   42,831  123  37  -  42,991 
Total Non-Real Estate 288,823  653  14,726  -  304,202  251,459  8,741  5,408  -  265,608 
Total Loans Before Unearned Income
$
774,202
 
$
10,752
 
$
58,654
 $- 
 
843,608
  $718,691 $28,702 $44,752 $-  792,145 
Unearned income
                      
(2,025
)
              (1,824)
Total Loans Net of Unearned Income
                    
$
841,583
              $790,321 
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Allowance for Loan Losses (Tables)
 12 Months Ended
Dec. 31, 2015
Allowance for Loan Losses [Abstract]  
Summary of Changes in Allowance for Loan Losses and Allowance and Loans Individually and Collectively Evaluated for Impairment
A summary of changes in the allowance for loan losses, by loan type, for the years ended December 31, 2015, 2014 and 2013 are as follows:
 
   
  As of December 31, 
  
2015
  2014 
(in thousands)
 
Beginning
Allowance (12/31/14)
  
Charge-offs
  
Recoveries
  Provision  
Ending
Allowance (12/31/15)
  
Beginning
Allowance (12/31/13)
  
Charge-offs
  
Recoveries
  Provision  
Ending Allowance(12/31/14)
 
Real Estate:
                    
Construction & land development
 
$
702
  
$
(559
) 
$
5
  $814  
$
962
  
$
1,530
  
$
(1,032
) 
$
6
  $198  
$
702
 
Farmland
  
21
   
-
   
-
   33   54   
17
   -   
-
   4   
21
 
1 - 4 family
  
2,131
   
(410
)  
94
   (44)  
1,771
   
1,974
   
(589
)  
99
   647   
2,131
 
Multifamily
  
813
   
(947
)  
46
   645   
557
   
376
   
-
   
49
   388   
813
 
Non-farm non-residential
  
2,713
   
(1,137
)  5   1,717   
3,298
   
3,607
   
(1,515
)  
9
   612   
2,713
 
Total Real Estate
  
6,380
   
(3,053
)  
150
   3,165   
6,642
   
7,504
   
(3,136
)  
163
   1,849   
6,380
 
Non-Real Estate:                                        
Agricultural
  
293
   
(491
)  3   211   
16
   
46
   
(2
)  
1
   248   
293
 
Commercial and industrial
  
1,797
   
(79
)  
315
   494   
2,527
   
2,176
   
(266
)  
118
   (231)  
1,797
 
Consumer and other
  
371
   
(550
)  
151
   258   
230
   
208
   
(289
)  
199
   253   
371
 
Unallocated  264   
-
   -   (264)  -   421   -   -   (157)  264 
Total Non-Real Estate  2,725   
(1,120
)  469   699   2,773   2,851   (557)  318   113   2,725 
Total
 
$
9,105
  
$
(4,173
) $619  $3,864  
$
9,415
  
$
10,355
  
$
(3,693
) 
$
481
  $1,962  
$
9,105
 
   
  As of December 31, 
  2013 
(in thousands)
 
Beginning
Allowance
(12/31/12)
  
Charge-offs
  
Recoveries
  Provision  
Ending
Allowance
(12/31/13)
 
Real Estate:
          
Construction & land development
 
$
1,098
  
$
(233
) 
$
10
  $655  
$
1,530
 
Farmland
  
50
   (31)  
140
   (142)  
17
 
1 - 4 family
  
2,239
   
(220
)  
49
   (94)  
1,974
 
Multifamily
  
284
   
-
   
-
   92   
376
 
Non-farm non-residential
  
3,666
   
(1,148
)  
8
   1,081   
3,607
 
Total Real Estate
  
7,337
   
(1,632
)  
207
   1,592   
7,504
 
Non-Real Estate:                    
Agricultural
  
64
   
(41
)  
5
   18   
46
 
Commercial and industrial
  
2,488
   
(1,098
)  
71
   715   
2,176
 
Consumer and other
  
233
   
(262
)  
243
   (6)  
208
 
Unallocated  220   -   -   201   421 
Total Non-Real Estate  3,005   (1,401)  319   928   2,851 
Total
 
$
10,342
  
$
(3,033
) 
$
526
  $2,520  
$
10,355
 
A summary of the allowance and loans individually and collectively evaluated for impairment are as follows:
 
   
 As of December 31, 2015 
(in thousands)
Allowance Individually Evaluated for Impairment
 Allowance Collectively Evaluated for Impairment 
Total Allowance for Credit Losses
 
Loans
Individually Evaluated for Impairment
 
Loans
Collectively Evaluated for Impairment
 
Total Loans before Unearned Income
 
Real Estate:
                  
Construction & land development
$
-
 $962 
$
962
 $
368
 $55,764 $
56,132
 
Farmland
 
-
  54  54  
-
  17,672   
17,672
 
1 - 4 family
 
611
  1,160  
1,771
  
3,049
  126,561  
129,610
 
Multifamily
 454  103  557  
9,045
  3,584  
12,629
 
Non-farm non-residential
 
1,298
   2,000  3,298  
13,646
  309,717  
323,363
 
Total Real Estate
 
2,363
  4,279  
6,642
  
26,108
  513,298  
539,406
 
Non-Real Estate:                  
Agricultural
 
-
  16  
16
  
4,863
  20,975  
25,838
 
Commercial and industrial
 
-
  2,527  
2,527
  
-
  224,201  
224,201
 
Consumer and other
 
-
  230  
230
  
171
  53,992  
54,163
 
Unallocated -  -  - -  -  - 
Total Non-Real Estate -  2,773  2,773  5,034  299,168  304,202 
Total
$
2,363
 $7,052 
$
9,415
 $31,142 $812,466  
843,608
 
Unearned Income                (2,025) 
Total Loans Net of Unearned Income               $841,583 
 
   
 As of December 31, 2014 
(in thousands)
Allowance Individually Evaluated for Impairment
 Allowance Collectively Evaluated for Impairment 
Total Allowance for Credit Losses
 
Loans
Individually Evaluated for Impairment
 
Loans
Collectively Evaluated for Impairment
 
Total Loans before Unearned Income
 
Real Estate:
                  
Construction & land development
$
126
 $576 
$
702
 $
4,150
 $47,944 $
52,094
 
Farmland
 
-
  21  
21
  
-
  13,539  
13,539
 
1 - 4 family
 
598
  1,533  
2,131
  
3,420
  114,761  
118,181
 
Multifamily
 
437
  376  
813
  
7,201
  7,122  
14,323
 
Non-farm non-residential
 
468
  2,245  
2,713
  
16,287
  312,113  
328,400
 
Total Real Estate
 
1,629
  
4,751
  
6,380
  
31,058
  495,479  
526,537
 
Non-Real Estate:                  
Agricultural
 
262
  31  
293
  
2,650
  23,628  
26,278
 
Commercial and industrial
 
19
  1,778  
1,797
  
1,664
  194,675  
196,339
 
Consumer and other
 
-
  371  
371
  
-
  42,991  
42,991
 
Unallocated -  264  264  -  -  - 
Total Non-Real Estate 281  2,444  2,725  4,314  261,294  265,608 
Total
$
1,910
 $7,195 
$
9,105
 $
35,372
 $756,773  
792,145
 
Unearned Income                (1,824)
Total Loans Net of Unearned Income               $790,321 
Summary of Impaired Loans by Class
The following is a summary of impaired loans by class at December 31, 2015:
 
As of December 31, 2015
 
(in thousands)
Recorded Investment
 
Unpaid Principal Balance
 
Related Allowance
 
Average Recorded Investment
 
Interest Income Recognized
  Interest Income Cash Basis 
Impaired Loans with no related allowance:
                                 
Real Estate:
                                 
Construction & land development   
$
368
 
$
823
 
$
-
 
$
825 
$
41
  $44 
Farmland
 
-
   
-
   
-
   
-
   
-
   - 
1 - 4 family
 
1,054
   
1,358
   
-
   
1,354
   
79
   84 
Multifamily
 
3,728
    4,240   
-
   
4,305
   
254
   72 
Non-farm non-residential
 
3,637
   
4,116
   
-
   
4,124
   
165
   147 
Total Real Estate
 
8,787
   
10,537
   
-
   
10,608
   539   347 
Non-Real Estate:                  
Agricultural
 
4,863
   
5,019
   
-
   
5,036
   
300
   300 
Commercial and industrial
 
-
   
-
   
-
   
-
   
-
   - 
Consumer and other
 
171
   
317
   
-
   
335
   
27
   20 
Total Non-Real Estate 5,034  5,336   -  5,371  327  320 
Total Impaired Loans with no related allowance 13,821  15,873   -  15,979  866  667 
                   
Impaired Loans with an allowance recorded:
                                 
Real estate:
                               
Construction & land development
 
-
   
-
   
-
   
-
   
-
   - 
Farmland
  -   
-
   
-
   
-
   
-
   - 
1 - 4 family
 
1,995
   
2,144
   
611
   
2,079
   
103
   125 
Multifamily
 
-
   
 
   
-
   
-
    -   - 
Non-farm non-residential
 
10,009
   
10,841
   
1,298
   
11,035
   
566
   569 
Total Real Estate
 
12,004
   
12,985
   
1,909
   
13,114
   
669
   694 
Non-Real Estate:                  
Agricultural
 
-
   
-
   
-
   
-
   
-
   - 
Commercial and industrial
 
-
   
-
   
-
   
-
   
-
   - 
Consumer and other
 
-
   
-
   
-
   
-
   
-
   - 
Total Non-Real Estate -   -   -   -   -   - 
Total Impaired Loans with an allowance recorded 12,004  12,985  1,909  13,114  669  694 
                   
Total Impaired Loans
$
25,825
 
$
28,858
 
$
1,909
 
$
29,093
 
$
1,535
  $1,361 
 
 
The following is a summary of impaired loans by class at December 31, 2014:
As of December 31, 2014
 
(in thousands)
Recorded Investment
 
Unpaid Principal Balance
 
Related Allowance
 
Average Recorded Investment
 
Interest Income Recognized
  Interest Income Cash Basis 
Impaired Loans with no related allowance:
                                 
Real Estate:
                                 
Construction & land development   
$
3,308
 
$
4,359
 
$
-
 
$
3,479 
$
217
  $224 
Farmland
 
-
   
-
   
-
   
-
   
-
    - 
1 - 4 family
 
1,368
   
1,656
   
-
   
397
   
72
    43 
Multifamily
 
-
     -   
-
   
148
   
31
    34 
Non-farm non-residential
 
7,439
   
9,008
   
-
   
8,694
   
422
    275 
Total Real Estate
 
12,115
   
15,023
   
-
   
12,718
   742    576 
Non-Real Estate:                  
Agricultural
 
-
   
-
   
-
   
-
   
-
    - 
Commercial and industrial
 
-
   
-
   
-
   
-
   
-
    - 
Consumer and other
 
-
   
-
   
-
   
-
   
-
    - 
Total Non-Real Estate  -   -   -   -   -   - 
Total Impaired Loans with no related allowance  12,115   15,023   -  12,718  742   576 
                   
Impaired Loans with an allowance recorded:
                                 
Real estate:
                                 
Construction & land development
 
842
   
842
   
126
   
829
   
48
   43 
Farmland
  -   
-
   
-
   
-
   
-
    - 
1 - 4 family
 
2,052
   
2,068
   
598
   
2,062
   
97
    87 
Multifamily
 
1,338
   
1,337
   
398
   
1,340
     60    55 
Non-farm non-residential
 
8,848
   
8,913
   
468
   
8,948
   
317
    327 
Total Real Estate
 
13,080
   
13,160
   
1,590
   
13,179
   
522
    512 
Non-Real Estate:                  
Agricultural
 
2,650
   
2,650
   
262
   
-
   
-
    - 
Commercial and industrial
 
1,664
   
1,854
   
19
   
-
   
-
    - 
Consumer and other
 
-
   
-
   
-
   
-
   
-
    - 
Total Non-Real Estate  4,314    4,504    281   -   -    - 
Total Impaired Loans with an allowance recorded  17,394   17,664   1,871  13,179  522   512 
                   
Total Impaired Loans
$
29,509
 
$
32,687
 
$
1,871
 
$
25,897
 
$
1,264
  $ 1,088 
Troubled Debt Restructurings
The following table is an age analysis of TDRs as of December 31, 2015 and December 31, 2014:
 
Troubled Debt RestructuringsDecember 31, 2015 December 31, 2014 
 Accruing Loans     Accruing Loans     
(in thousands)Current 30-89 Days Past Due Nonaccrual Total TDRs Current 30-89 Days Past Due Nonaccrual Total TDRs 
Real Estate:                        
Construction & land development$ - $- $368 $368 $- $- $- $- 
Farmland  -  -   -   -  -  -  -  - 
1 - 4 Family  -  -  1,702 1,702  -  1,752  -  1,752 
Multifamily  -  -   -   -  -  -  -  - 
Non-farm non residential 3,431  -  206  3,637  2,998  452  230  3,680 
Total Real Estate 3,431  -  2,276  5,707  2,998  2,204  230  5,432 
Non-Real Estate:                        
Agricultural  -  -   -   -  -  -  -  - 
Commercial and industrial  -  -   -   -  -  -  -  - 
Consumer and other  -  -   -   -  -  -  -  - 
Total Non-Real Estate  -  -   -   -  -  -  -  - 
Total$3,431 $- $2,276 $5,707 $2,998 $2,204 $230 $5,432 
 
 
The following table discloses TDR activity for the twelve months ended December 31, 2015.
 
 Trouble Debt Restructured Loans Activity 
 
Twelve Months Ended December 31, 2015
 
(in thousands)
Beginning balance
(December 31, 2014)
 
New TDRs
 
Charge-offs post-modification
 
Transferred to ORE
 
Paydowns
 
Construction to permanent financing
 Restructured to market terms 
Ending balance
 
(December 31, 2015)
 
Real Estate:
                        
Construction & land development
$
-
 
$
368
 
$
-
 
$
-
 
$
-
 $- $ - $368 
Farmland
 
-
  
-
  
-
  
-
  
-
  -   -  - 
1 - 4 family
 
1,752
  
-
  
-
  
-
  
(50
)  -   -  1,702 
Multifamily
 
-
  
-
  
-
  
-
  
-
  -   -  - 
Non-farm non-residential
 
3,680
  
-
  
(29
)  
-
  
(14
) -   -  3,637 
Total Real Estate
 
5,432
  
368
  
(29
)  
-
  
(64
)  -     5,707 
Non-Real Estate:                        
Agricultural
 
-
  
-
  
-
  
-
  
-
  -   -  - 
Commercial and industrial
 
-
  
-
  
-
  
-
  
-
  -   -  - 
Consumer and other
 
-
  
-
  
-
  
-
  
-
  -   -  - 
Total Non-Real Estate  -   -   -   -   -  -   -  - 
Total Impaired Loans with no related allowance$ 5,432 $368 $(29) $ - $(64)$- $ - $5,707 
XML 53 R39.htm IDEA: XBRL DOCUMENT v3.3.1.900
Premises and Equipment (Tables)
 12 Months Ended
Dec. 31, 2015
Premises and Equipment [Abstract]  
Premises and Equipment
The components of premises and equipment at December 31, 2015 and 2014 are as follows:
 
(in thousands) 
December 31, 2015
  
December 31, 2014
 
Land
 $7,227  
$
6,933
 
Bank premises
 18,914   
18,324
 
Furniture and equipment
  21,060   
19,995
 
Construction in progress
  2,667   
254
 
Acquired value
  49,868   
45,506
 
Less: accumulated depreciation
  27,849   
26,295
 
Net book value
 $22,019  
$
19,211
 
XML 54 R40.htm IDEA: XBRL DOCUMENT v3.3.1.900
Goodwill and Other Intangible Assets (Tables)
 12 Months Ended
Dec. 31, 2015
Goodwill and Other Intangible Assets [Abstract]  
Finite-lived Intangible Assets
 December 31, 2015 December 31, 2014 
(in thousands)
Gross Carrying Amount Accumulated Amortization Net Carrying Amount Gross Carrying Amount Accumulated Amortization  Net Carrying Amount 
Core deposit intangibles$ 9,350 $ 8,052 $1,298 $9,350 $7,732 $1,618 
Mortgage servicing rights  267  171   96  267  152  115 
Total$ 9,617 $ 8,223 $ 1,394 $9,617 $7,884 $1,733 
Amortization Expense of Core Deposit Intangible Assets for Next Five Years
Amortization expense of the core deposit intangible assets for the next five years is as follows:

For the Years Ended
 
Estimated Amortization Expense (in thousands)
December 31, 2016
 
$  
320
December 31, 2017
 
$  
320
December 31, 2018
 
$  
320
December 31, 2019
 
$  
135
December 31, 2020
 
$  
135
XML 55 R41.htm IDEA: XBRL DOCUMENT v3.3.1.900
Other Real Estate (Tables)
 12 Months Ended
Dec. 31, 2015
Other Real Estate [Abstract]  
Components of Other Real Estate Owned
Other real estate owned consists of the following:
 
(in thousands)
December 31, 2015 December 31, 2014 
Real Estate Owned Acquired by Foreclosure:      
Residential$ 880 $1,121 
Construction & land development  25  127 
Non-farm non-residential  672  950 
Total Other Real Estate Owned and Foreclosed Property$1,577 $2,198 
XML 56 R42.htm IDEA: XBRL DOCUMENT v3.3.1.900
Deposits (Tables)
 12 Months Ended
Dec. 31, 2015
Deposits [Abstract]  
Schedule of Maturities of All Time Deposits
A schedule of maturities of all time deposits are as follows:
 
(in thousands)
December 31, 2015 
2016
$401,535 
2017
 118,340 
2018
  18,697 
2019 28,209 
2020 and thereafter 25,229 
Total
$592,010 
XML 57 R43.htm IDEA: XBRL DOCUMENT v3.3.1.900
Borrowings (Tables)
 12 Months Ended
Dec. 31, 2015
Borrowings [Abstract]  
Schedule of Short-term Borrowings
Short-term borrowings are summarized as follows:
 
(in thousands)
December 31, 2015
 
December 31, 2014
 
Securities sold under agreements to repurchase
$
-
 
$
-
 
Line of credit  1,800  1,800 
Total short-term borrowings
$
1,800
 
$
1,800
 
Short-term Borrowings
The following schedule provides certain information about First Guaranty's short-term borrowings for the periods indicated:
 
 December 31, 
(in thousands except for %)2015 
2014
 
2013
 
Outstanding at year end
$ 1,800 
$
1,800
 
$
5,788
 
Maximum month-end outstanding
$13,800 $
22,356
  $
57,302
 
Average daily outstanding
$4,217 $
6,960
  $
21,387
 
Weighted average rate during the year
 2.12% 
1.08
%
 
0.98
%
Average rate at year end
 4.50% 
4.50
%
 
1.51
%
Obligations on Long-term Debt and Junior Subordinated Debentures
As of December 31, 2015 obligations on senior long-term debt and junior subordinated debentures totalled $40.4 million.  The scheduled maturities are as follows:
 
(in thousands)
 
Long-term Debt
  
Junior Subordinated Debentures
 
2016
 
$
3,100
  
$
-
 
2017
  
2,755
   
-
 
2018
  
2,500
   
-
 
2019
  
2,500
   
-
 
2020
  
2,500
   
-
 
2021 and thereafter  12,500   15,000 
Subtotal
 
$
25,855
  
$
15,000
 
Debt issuance costs  (31)   (403) 
Total $25,824  $14,597 
XML 58 R44.htm IDEA: XBRL DOCUMENT v3.3.1.900
Capital Requirements (Tables)
 12 Months Ended
Dec. 31, 2015
Capital Requirements [Abstract]  
Actual and Required Capital Amounts and Ratios
First Guaranty's and the Bank’s actual capital amounts and ratios as of December 31, 2015 and 2014 are presented in the following table.
 
 Actual  Minimum Capital Requirements  Minimum to be Well Capitalized Under Action Provisions 
(in thousands except for %)Amount
Ratio
  Amount
Ratio
  Amount
Ratio
 
December 31, 2015            
Total Risk-based Capital:
                    
Consolidated
$
141,022
13.13
%$
85,952
8.00
% 
N/A
N/A
 
Bank
$
148,316
13.86
%$
85,632
8.00
%$
107,040
10.00
%
             
Tier 1 Capital:
                    
Consolidated
$
116,607
10.85
%$
64,464
6.00
% 
N/A
N/A
 
Bank
$
138,901
12.98%$
64,224
6.00
%$85,632
8.00
%
             
Tier 1 Leverage Capital:
                    
Consolidated
$
116,607
8.17
%$
57,121
4.00
% 
N/A
N/A
 
Bank
$
138,901
9.74
%$
57,062
4.00
%$
71,328
5.00
%
                      
Common Equity Tier One Capital:            
Consolidated  $ 116,607 10.85% $ 48,348 4.50%  N/A N/A 
Bank $ 138,901 12.98% $48,168 4.50% $ 69,576 6.50% 
             
December 31, 2014
                    
Total Risk-based Capital:
                    
Consolidated
$
144,834
14.05
%$
82,486
8.00
% 
N/A
N/A
 
Bank
$
143,426
13.96
%$
82,170
8.00
%$
102,712
10.00
%
             
Tier 1 Capital:
                    
Consolidated
$
135,727
13.16
%$
41,243
4.00
% 
N/A
N/A
 
Bank
$
134,319
13.08
%$
41,085
4.00
%$
61,627
6.00
%
             
Tier 1 Leverage Capital:
                    
Consolidated
$
135,737
9.33
%$
58,173
4.00
% 
N/A
N/A
 
Bank
$
134,319
9.26
%$
58,025
4.00
%$
72,532
5.00
%
             
Common Equity Tier One Capital:N/A N/A N/A N/AN/AN/A 
Consolidated  N/A N/A N/A N/A  N/AN/A 
Bank            
XML 59 R45.htm IDEA: XBRL DOCUMENT v3.3.1.900
Related Party Transactions (Tables)
 12 Months Ended
Dec. 31, 2015
Related Party Transactions [Abstract]  
Schedule of Related Party Transactions
An analysis of the activity of loans made to such borrowers during the year ended December 31, 2015 and 2014 follows:
 
 December 31, 
(in thousands)
2015
 
2014
 
Balance, beginning of year
$
53,808
 
$
49,951
 
Net Increase
 
4,008
   
3,857
 
Balance, end of year
$
57,816
 
$
53,808
 
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Other Expenses (Tables)
 12 Months Ended
Dec. 31, 2015
Other Expenses [Abstract]  
Summary of Significant Components of Other Noninterest Expense
The following is a summary of the significant components of other noninterest expense:
 
    December 31, 
(in thousands)
 2015  2014  
2013
 
Other noninterest expense:
      
Legal and professional fees
 $2,019  $1,982  
$
2,347
 
Data processing
  1,184   1,153   
1,269
 
Marketing and public relations
  848   700   
638
 
Taxes - sales, capital and franchise
  717   605   
584
 
Operating supplies
  414   410   
487
 
Travel and lodging
  818   566   
563
 
Telephone  172   242   206 
Amortization of core deposits  320   320   320 
Donations  332   150   294 
Net costs from other real estate and repossessions
  493   1,374   
941
 
Regulatory assessment
  1,111   1,181   
1,784
 
Other
  3,326   3,143   
3,237
 
Total other noninterest expense
 $11,754  $11,826  
$
12,670
 
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Income Taxes (Tables)
 12 Months Ended
Dec. 31, 2015
Income Taxes [Abstract]  
Provision for Income Taxes
The following is a summary of the provision for income taxes included in the Consolidated Statements of Income:
 
   December 31, 
(in thousands)
 2015 
2014
 
2013
 
Current
 $7,347  
$
4,898
  
$
4,748
 
Deferred
  (384)   594   
(171
)
Total
 $6,963  
$
5,492
  
$
4,577
 
Effective Income Tax Rate Reconciliation
The difference between income taxes computed by applying the statutory federal income tax rate and the provision for income taxes in the financial statements is reconciled as follows:
 
  December 31, 
(in thousands except for %) 2015  
2014
  
2013
 
Statutory tax rate
 35.0%  
35.0
%
  
35.0
%
             
Federal income taxes at statutory rate
 $7,514  $5,851  
$
4,803
 
Tax exempt municipal income  (436)   (284)  (133)
Other
  (115)   (75)  
(93
)
Total
 $6,963  
$
5,492
  
$
4,577
 
Components of Deferred Tax Assets and Liabilities
The significant components of deferred taxes classified in First Guaranty's Consolidated Balance Sheets at December 31, 2015 and 2014 are as follows:
 
    December 31, 
(in thousands) 2015  
2014
 
Deferred tax assets:
    
Allowance for loan losses
 $3,201  
$
3,096
 
Other real estate owned
  127   148 
Unrealized losses on available for sale securities
  445   - 
Other
  541   
407
 
Gross deferred tax assets
  4,314   
3,651
 
         
Deferred tax liabilities:
        
Depreciation and amortization
  (1,588)   (1,779
)
Core deposit intangibles  (441)   (550)
Unrealized gains on available for sale securities
  -   
(124
)
Other
  (373)  
(359
)
Gross deferred tax liabilities
  (2,402)   
(2,812
)
         
Net deferred tax assets
 $1,912  
$
839
 
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Commitments and Contingencies (Tables)
 12 Months Ended
Dec. 31, 2015
Commitments and Contingencies [Abstract]  
Summary of Notional Amounts of Financial Instruments with Off-Balance Sheet Risk
Set forth below is a summary of the notional amounts of the financial instruments with off-balance sheet risk at December 31, 2015 and December 31, 2014.
 
(in thousands)
 December 31, 2015  December 31, 2014 
Contract Amount    
Commitments to Extend Credit $88,081  $59,675 
Unfunded Commitments under lines of credit  $107,581  $111,247 
Commercial and Standby letters of credit $7,486  $7,743 
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Fair Value Measurements (Tables)
 12 Months Ended
Dec. 31, 2015
Fair Value Measurements [Abstract]  
Fair Value, Assets Measured on Recurring Basis
The following table summarizes financial assets measured at fair value on a recurring basis as of December 31, 2015 and 2014, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value:
 
(in thousands)December 31, 2015 December 31, 2014 
Available for Sale Securities Fair Value Measurements Using:
          
Level 1: Quoted Prices in Active Markets For Identical Assets
$
30,501
 
$
36,504
 
Level 2: Significant Other Observable Inputs
 
338,167
  
454,524
 
Level 3: Significant Unobservable Inputs
 
7,701
  
8,780
 
Securities available for sale measured at fair value$376,369 $499,808 
Fair value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation
The following table reconciles assets measured at fair value on a recurring basis using unobservable inputs (Level 3):
 
 Level 3 Changes 
(in thousands)December 31, 2015 December 31, 2014 
Balance, beginning of year
$8,780 
$
5,834
 
Total gains or losses (realized/unrealized):
        
   Included in earnings
  -   
-
 
   Included in other comprehensive income
  -   
-
 
Purchases, sales, issuances and settlements, net
 (1,079) 
2,946
 
Transfers in and/or out of Level 3
  -   
-
 
Balance as of end of year
$7,701  $
8,780
 
Fair Value Measurements, Nonrecurring
The following table measures financial assets and financial liabilities measured at fair value on a non-recurring basis as of December 31, 2015, segregated by the level of valuation inputs within the fair value hierarchy utilized to measure fair value:
 
(in thousands)
At December 31, 2015
 
At December 31, 2014
 
Fair Value Measurements Using: Impaired Loans
      
Level 1: Quoted Prices in Active Markets For Identical Assets
$
 - 
$
- 
Level 2: Significant Other Observable Inputs
293 
5,244 
Level 3: Significant Unobservable Inputs
16,401 
15,618 
Impaired loans measured at fair value$16,694 $20,862 
       
Fair Value Measurements Using: Other Real Estate Owned
      
Level 1: Quoted Prices in Active Markets For Identical Assets
$
 - 
$
- 
Level 2: Significant Other Observable Inputs
1,104 
1,847 
Level 3: Significant Unobservable Inputs
473  351 
Other real estate owned measured at fair value$1,577 $2,198 
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Financial Instruments (Tables)
 12 Months Ended
Dec. 31, 2015
Financial Instruments [Abstract]  
Schedule of Estimated Fair Values and Carrying Values of Financial Instruments
The estimated fair values and carrying values of the financial instruments at December 31, 2015 and 2014 are presented in the following table:
 December 31, 
 
2015
 
2014
 
(in thousands)
Carrying Value
 
Estimated Fair Value
 
Carrying Value
 
Estimated Fair Value
 
Assets
               
Cash and cash equivalents
$
37,272
 
$
37,272
 
$
44,575
 
$
44,575
 
Securities, available for sale
$
376,369
  $
376,369
  $
499,808
  $
499,808
 
Securities, held to maturity
$
169,752
  $
168,148
  $
141,795
  $
139,688
 
Federal Home Loan Bank stock
$
935
  $
935
  $
1,621
  $
1,621
 
Loans, net
$
832,168
  $
831,731
  $
781,216
  $
780,470
 
Accrued interest receivable
$
6,015
  $
6,015
  $
6,384
  $
6,384
 
                         
Liabilities
                       
Deposits
$
1,295,870
 
$
1,296,468
 
$
1,371,839
 
$
1,373,537
 
Borrowings
$
27,624
  $
27,624
  $
3,255
  $
3,255
 
Junior subordinated debentures$14,597 $14,597 $- $- 
Accrued interest payable
$
1,707
  $
1,707
  $
1,997
  $
1,997
  
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Condensed Parent Company Information (Tables)
 12 Months Ended
Dec. 31, 2015
Condensed Parent Company Information [Abstract]  
Condensed Balance Sheets
First Guaranty Bancshares, Inc.
Condensed Balance Sheets
 
 December 31, 
(in thousands)2015  2014 
Assets
     
Cash
$
16,862
 
$
723
 
Investment in bank subsidiary
 
140,518
   
138,176
 
Investment Securities (available for sale, at fair value)  80  70 
Other assets
 
3,233
   
5,129
 
Total Assets
$
160,693
 
$
144,098
 
             
Liabilities and Shareholders' Equity
           
Short-term debt          $ 1,800 $1,800 
Senior long-term debt
 25,824  2,439 
Junior subordinated debentures 14,597  - 
Other liabilities
 
248
   
276
 
Total Liabilities 42,469  4,515 
Shareholders' Equity
 118,224   
139,583
 
Total Liabilities and Shareholders' Equity
$
160,693
 
$
144,098
 
Condensed Statements of Income
First Guaranty Bancshares, Inc.
 
Condensed Statements of Income
 
 
    December 31, 
(in thousands) 2015  2014  2013 
Operating Income      
Dividends received from bank subsidiary
 $9,843  
$
6,448
  
$
4,669
 
Net gains on securities  2,652   -   - 
Other income
  261   162   
90
 
Total operating income
  12,756   
6,610
   
4,759
 
             
Operating Expenses
            
Interest expense
  192   
130
   
115
 
Salaries & Benefits         
  172   140   
88
 
Other expenses
  766   
464
   
449
 
Total operating expenses
  1,130   
734
   
652
 
             
Income before income tax benefit and increase in equity in undistributed earnings of subsidiary
  11,626   
5,876
   
4,107
 
Income tax benefit (expense)
  (605)   
229
   
212
 
Income before increase in equity in undistributed earnings of subsidiary
  11,021   
6,105
   
4,319
 
Increase in equity in undistributed earnings of subsidiary
  3,484   
5,119
   
4,827
 
Net Income
  14,505   11,224   
9,146
 
Less preferred stock dividends
  (384)   
(394
)
  
(713
)
Net income available to common shareholders
 $14,121  
$
10,830
  
$
8,433
 
Condensed Statements of Cash Flows
First Guaranty Bancshares, Inc.
 
Condensed Statements of Cash Flows
 
 
    December 31, 
(in thousands) 2015  
2014
  
2013
 
Cash flows from operating activities:
      
Net income
 $14,505  
$
11,224
  
$
9,146
 
Adjustments to reconcile net income to net cash provided by operating activities:
           
Increase in equity in undistributed earnings of subsidiary
  $(3,484)  
$
(5,119
)
  
(4,827
)
Gain on sale of securities 
 
(2,652
)   
-
   - 
Net change in other liabilities
  (28)   
55
   
2
 
Net change in other assets
  396   
(3,383
)  
161
 
Net cash provided by operating activities
  8,737   
2,777
   
4,482
 
             
Cash flows from investing activities:
            
Proceeds from maturities, calls and sales of AFS securities
  4,152   -   - 
Funds Invested in AFS securities
  (10)   (5)  - 
Net cash provided by (used in) investing activities
  4,142   
(5
)  
-
 
             
Cash flows from financing activities:
            
Proceeds from long-term debt, net of costs  24,969   2,555   - 
Repayment of long-term debt  (1,584)   (616)  (600)
Proceeds from junior subordinated debentures, net of costs
  14,597   
-
  
-
Issuance of common stock, net of costs  9,344   -   - 
Redemption of preferred stock  (39,435)   -   - 
Dividends paid
  (4,631)   
(4,421
)
  
(4,740
)
Net cash provided by (used in) financing activities
  3,260  
(2,482
)
  
(5,340
)
             
Net increase (decrease) in cash and cash equivalents
  16,139   
290
   
(858
)
Cash and cash equivalents at the beginning of the period
  723   
433
   
1,291
 
Cash and cash equivalents at the end of the period
 $16,862  $723  
$
433
 
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Business and Summary of Significant Accounting Policies (Details)
 1 Months Ended 12 Months Ended
Dec. 31, 2015
USD ($)
Dec. 31, 2015
USD ($)
Office
Facility
ATM
Payment
Segment
Dec. 31, 2014
Dec. 31, 2013
Business and Summary of Significant Accounting Policies [Abstract]        
Number of banking offices | Office   21    
Number of drive up banking facility | Facility   1    
Number of automated teller machines | ATM   27    
Acquisition Accounting [Abstract]        
Maximum period of fair value refinement after closing date of acquisition   1 year    
Loans [Abstract]        
Past due period after which evaluation is made for discontinuation of interest accrual on loan   90 days    
Period of payment performance after which loans are returned to accrual status   6 months    
Troubled Debt Restructurings (TDRs) [Abstract]        
Period of performance, after which the Company evaluates TDRs that have subsequently been restructured and returned to market terms   12 months    
Credit Quality [Abstract]        
Minimum balance of impaired loans over which impairment method is applied | $ $ 250,000 $ 250,000    
Earnings per common share [Abstract]        
Common stock, dividend percentage 10.00% 10.00% 10.00% 10.00%
Operating Segments [Abstract]        
Number of reportable operating segments | Segment   1    
Minimum [Member]        
Loans [Abstract]        
Threshold period past due for charge-off of loans   90 days    
Maximum [Member]        
Loans [Abstract]        
Threshold period past due for charge-off of loans   120 days    
Single-Family Residential [Member] | Fixed Rate Residential Mortgage [Member]        
Loans held for sale [Abstract]        
Period within which loans are sold in secondary market   30 days    
All Loans Except Mortgage Loans [Member]        
Loans [Abstract]        
Past due period after which loans are considered past due   30 days    
Mortgage Loans [Member]        
Loans [Abstract]        
Number of consecutive payments missed after which loans are considered past due | Payment   2    
Building and Improvements [Member] | Minimum [Member]        
Premises and equipment [Abstract]        
Estimated useful life   10 years    
Building and Improvements [Member] | Maximum [Member]        
Premises and equipment [Abstract]        
Estimated useful life   40 years    
Equipment, Fixtures and Automobiles [Member] | Minimum [Member]        
Premises and equipment [Abstract]        
Estimated useful life   3 years    
Equipment, Fixtures and Automobiles [Member] | Maximum [Member]        
Premises and equipment [Abstract]        
Estimated useful life   10 years    
Core Deposits [Member] | Minimum [Member]        
Finite-Lived Intangible Assets [Line Items]        
Amortization period   7 years    
Core Deposits [Member] | Maximum [Member]        
Finite-Lived Intangible Assets [Line Items]        
Amortization period   15 years    
Consumer Loans [Member]        
Credit Quality [Abstract]        
Period past due after which loans are considered substandard   90 days    
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Cash and Due from Banks (Details)
Dec. 31, 2015
USD ($)
Account
Dec. 31, 2014
USD ($)
Account
Cash and Due from Banks [Abstract]    
Reserve maintained at Federal Reserve Bank $ 0 $ 0
Number of accounts that exceeded FDIC insurable limit | Account 1 1
FDIC insurable limit $ 250,000 $ 250,000
Balance in excess of FDIC insurable limit $ 2,000 $ 1,000
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Securities, Summary Comparison of Securities by Type (Details) - USD ($)
$ in Thousands
Dec. 31, 2015
Dec. 31, 2014
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]    
Amortized cost $ 377,853 $ 499,443
Gross unrealized gains 3,160 5,526
Gross unrealized losses (4,644) (5,161)
Fair value 376,369 499,808
Held-to-maturity Securities [Abstract]    
Amortized cost 169,752 141,795
Gross unrealized gains 9 57
Gross unrealized losses (1,613) (2,164)
Fair value 168,148 139,688
US Treasuries [Member]    
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]    
Amortized cost 29,999 36,000
Gross unrealized gains 0 0
Gross unrealized losses 0 0
Fair value 29,999 36,000
US Government Agencies [Member]    
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]    
Amortized cost 165,364 295,620
Gross unrealized gains 0 30
Gross unrealized losses (1,553) (4,155)
Fair value 163,811 291,495
Corporate Debt Securities [Member]    
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]    
Amortized cost 105,680 126,654
Gross unrealized gains 2,259 4,415
Gross unrealized losses (2,803) (1,006)
Fair value 105,136 130,063
Mutual Funds or Other Equity Securities [Member]    
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]    
Amortized cost 580 570
Gross unrealized gains 2 4
Gross unrealized losses 0 0
Fair value 582 574
Municipal Bonds [Member]    
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]    
Amortized cost 47,339 40,599
Gross unrealized gains 899 1,077
Gross unrealized losses (5) 0
Fair value 48,233 41,676
Mortgage-backed Securities [Member]    
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]    
Amortized cost 28,891 0
Gross unrealized gains 0 0
Gross unrealized losses (283) 0
Fair value 28,608 0
US Government Agencies [Member]    
Held-to-maturity Securities [Abstract]    
Amortized cost 77,343 84,479
Gross unrealized gains 0 0
Gross unrealized losses (721) (1,950)
Fair value 76,622 82,529
Mortgage-backed Securities [Member]    
Held-to-maturity Securities [Abstract]    
Amortized cost 92,409 57,316
Gross unrealized gains 9 57
Gross unrealized losses (892) (214)
Fair value $ 91,526 $ 57,159
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Securities, Scheduled Maturities of Securities by Contractual Maturity (Details) - USD ($)
$ in Thousands
Dec. 31, 2015
Dec. 31, 2014
Available-for-sale Securities, Debt Maturities, Amortized Cost [Abstract]    
Due in one year or less $ 38,847  
Due after one year through five years 138,704  
Due after five years through 10 years 124,736  
Over 10 years 46,675  
Subtotal 348,962  
Mortgage-backed Securities 28,891  
Amortized cost 377,853  
Available-for-sale Securities, Debt Maturities, Fair Value [Abstract]    
Due in one year or less 38,905  
Due after one year through five years 138,924  
Due after five years through 10 years 122,706  
Over 10 years 47,226  
Subtotal 347,761  
Mortgage-backed Securities 28,608  
Fair value 376,369  
Held-to-maturity Securities, Debt Maturities, Amortized Cost [Abstract]    
Due in one year or less 0  
Due after one year through five years 21,803  
Due after five years through 10 years 55,540  
Over 10 years 0  
Subtotal 77,343  
Mortgage-backed securities 92,409  
Amortized cost 169,752 $ 141,795
Held-to-maturity Securities, Debt Maturities, Fair Value [Abstract]    
Due in one year or less 0  
Due after on year through five years 21,545  
Due after five years through 10 years 55,077  
Over 10 years 0  
Subtotal 76,622  
Mortgage-backed securities 91,526  
Fair value $ 168,148 $ 139,688
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Securities, Summary of Securities in Continuous Unrealized Loss Position (Details)
$ in Thousands
Dec. 31, 2015
USD ($)
Security
Securities
Dec. 31, 2014
USD ($)
Security
Summary of Fair Value of Securities with Gross Unrealized Losses and Aging of Gross Unrealized Losses [Abstract]    
Less than 12 months, number of securities | Security 179 45
Less than 12 months, fair value $ 187,173 $ 83,378
Less than 12 months, gross unrealized losses $ (2,718) $ (255)
12 months or more, number of securities | Security 38 116
12 months or more, fair value $ 52,682 $ 247,879
12 months or more, gross unrealized losses $ (1,926) $ (4,906)
Total, number of securities | Security 217 161
Total, fair value $ 239,855 $ 331,257
Total, gross unrealized losses $ (4,644) $ (5,161)
Held-to-maturity Securities, Continuous Unrealized Loss Position [Abstract]    
Less than 12 months, number of securities | Security 55 8
Less than 12 months, fair value $ 134,728 $ 17,001
Less than 12 months, gross unrealized losses $ (1,296) $ (20)
12 months or more, number of securities | Security 7 31
12 months or more, fair value $ 23,852 $ 106,951
12 months or more, gross unrealized losses $ (317) $ (2,144)
Total, number of securities | Security 62 39
Total, fair value $ 158,580 $ 123,952
Total, gross unrealized losses $ (1,613) $ (2,164)
Securities Disclosures [Abstract]    
Number of debt securities with unrealized losses | Securities 279  
Debt securities with unrealized losses as percentage of total individual securities' amortized cost basis 1.50%  
Debt securities with unrealized losses as percentage of amortized cost basis of investment securities portfolio 1.10%  
Number of debt securities in continuous loss position for over 12 months | Securities 45  
Debt securities in a continuous loss position for over 12 months, amortized cost basis $ 78,800  
Debt securities in a continuous loss position for over 12 months, unrealized loss $ 2,200  
US Treasuries [Member]    
Summary of Fair Value of Securities with Gross Unrealized Losses and Aging of Gross Unrealized Losses [Abstract]    
Less than 12 months, number of securities | Security 2 4
Less than 12 months, fair value $ 9,999 $ 24,000
Less than 12 months, gross unrealized losses $ 0 $ 0
12 months or more, number of securities | Security 0 0
12 months or more, fair value $ 0 $ 0
12 months or more, gross unrealized losses $ 0 $ 0
Total, number of securities | Security 2 4
Total, fair value $ 9,999 $ 24,000
Total, gross unrealized losses $ 0 $ 0
US Government Agencies [Member]    
Summary of Fair Value of Securities with Gross Unrealized Losses and Aging of Gross Unrealized Losses [Abstract]    
Less than 12 months, number of securities | Security 49 4
Less than 12 months, fair value $ 116,473 $ 43,983
Less than 12 months, gross unrealized losses $ (921) $ (17)
12 months or more, number of securities | Security 11 66
12 months or more, fair value $ 47,338 $ 232,482
12 months or more, gross unrealized losses $ (632) $ (4,138)
Total, number of securities | Security 60 70
Total, fair value $ 163,811 $ 276,465
Total, gross unrealized losses $ (1,553) $ (4,155)
Corporate Debt Securities [Member]    
Summary of Fair Value of Securities with Gross Unrealized Losses and Aging of Gross Unrealized Losses [Abstract]    
Less than 12 months, number of securities | Security 112 37
Less than 12 months, fair value $ 31,414 $ 15,395
Less than 12 months, gross unrealized losses $ (1,509) $ (238)
12 months or more, number of securities | Security 27 50
12 months or more, fair value $ 5,344 $ 15,397
12 months or more, gross unrealized losses $ (1,294) $ (768)
Total, number of securities | Security 139 87
Total, fair value $ 36,758 $ 30,792
Total, gross unrealized losses $ (2,803) $ (1,006)
Mutual Funds or Other Equity Securities [Member]    
Summary of Fair Value of Securities with Gross Unrealized Losses and Aging of Gross Unrealized Losses [Abstract]    
Less than 12 months, number of securities | Security 0 0
Less than 12 months, fair value $ 0 $ 0
Less than 12 months, gross unrealized losses $ 0 $ 0
12 months or more, number of securities | Security 0 0
12 months or more, fair value $ 0 $ 0
12 months or more, gross unrealized losses $ 0 $ 0
Total, number of securities | Security 0 0
Total, fair value $ 0 $ 0
Total, gross unrealized losses $ 0 $ 0
Municipal Bonds [Member]    
Summary of Fair Value of Securities with Gross Unrealized Losses and Aging of Gross Unrealized Losses [Abstract]    
Less than 12 months, number of securities | Security 2 0
Less than 12 months, fair value $ 679 $ 0
Less than 12 months, gross unrealized losses $ (5) $ 0
12 months or more, number of securities | Security 0 0
12 months or more, fair value $ 0 $ 0
12 months or more, gross unrealized losses $ 0 $ 0
Total, number of securities | Security 2 0
Total, fair value $ 679 $ 0
Total, gross unrealized losses $ (5) $ 0
Mortgage-backed Securities [Member]    
Summary of Fair Value of Securities with Gross Unrealized Losses and Aging of Gross Unrealized Losses [Abstract]    
Less than 12 months, number of securities | Security 14  
Less than 12 months, fair value $ 28,608  
Less than 12 months, gross unrealized losses $ (283)  
12 months or more, number of securities | Security 0  
12 months or more, fair value $ 0  
12 months or more, gross unrealized losses $ 0  
Total, number of securities | Security 14  
Total, fair value $ 28,608  
Total, gross unrealized losses $ (283)  
US Government Agencies [Member]    
Held-to-maturity Securities, Continuous Unrealized Loss Position [Abstract]    
Less than 12 months, number of securities | Security 16 1
Less than 12 months, fair value $ 51,865 $ 4,993
Less than 12 months, gross unrealized losses $ (404) $ (7)
12 months or more, number of securities | Security 7 19
12 months or more, fair value $ 23,852 $ 77,536
12 months or more, gross unrealized losses $ (317) $ (1,943)
Total, number of securities | Security 23 20
Total, fair value $ 75,717 $ 82,529
Total, gross unrealized losses $ (721) $ (1,950)
Mortgage-backed Securities [Member]    
Held-to-maturity Securities, Continuous Unrealized Loss Position [Abstract]    
Less than 12 months, number of securities | Security 39 7
Less than 12 months, fair value $ 82,863 $ 12,008
Less than 12 months, gross unrealized losses $ (892) $ (13)
12 months or more, number of securities | Security 0 12
12 months or more, fair value $ 0 $ 29,415
12 months or more, gross unrealized losses $ 0 $ (201)
Total, number of securities | Security 39 19
Total, fair value $ 82,863 $ 41,423
Total, gross unrealized losses $ (892) $ (214)
XML 71 R57.htm IDEA: XBRL DOCUMENT v3.3.1.900
Securities, Other Than Temporary Impairments (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2015
USD ($)
Security
Issuer
Dec. 31, 2014
USD ($)
Dec. 31, 2013
USD ($)
OTTI losses recorded on available-for-sale securities [Abstract]      
Total OTTI charge realized and unrealized $ 571 $ 0 $ 0
OTTI recognized in other comprehensive income (non-credit component) 396 0  
Net impairment losses recognized in earnings (credit component) 175    
Book balance of securities with credit related OTTI losses 377,853 499,443  
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]      
Beginning balance of credit losses 0    
Other-than-temporary impairment credit losses on securities not previously OTTI 175    
Increases for additional credit losses on securities previously determined to be OTTI 0    
Reduction for increases in cash flows 0    
Reduction due to credit impaired securities sold or fully settled 0    
Ending balance of cumulative credit losses recognized in earnings $ 175 $ 0  
Available-for-sale Securities [Member]      
OTTI losses recorded on available-for-sale securities [Abstract]      
Number of securities with credit related OTTI losses | Security 2    
Available-for-sale Securities [Member] | Corporate Bond Securities [Member]      
OTTI losses recorded on available-for-sale securities [Abstract]      
Book balance of securities with credit related OTTI losses $ 800    
Available-for-sale Securities [Member] | Corporate Debt Securities [Member]      
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]      
Number of issuers having other-than-temporary impairment losses | Issuer 2    
Available-for-sale Securities [Member] | Corporate Debt Securities One [Member]      
OTTI losses recorded on available-for-sale securities [Abstract]      
OTTI recognized in other comprehensive income (non-credit component) $ 300    
Number of securities with credit related OTTI losses | Security 1    
Book balance of securities with credit related OTTI losses $ 500    
Available-for-sale Securities [Member] | Corporate Debt Securities Two [Member]      
OTTI losses recorded on available-for-sale securities [Abstract]      
OTTI recognized in other comprehensive income (non-credit component) $ 100    
XML 72 R58.htm IDEA: XBRL DOCUMENT v3.3.1.900
Securities, Pledged Securities and Realized and Unrealized Gains (Losses) (Details) - USD ($)
 3 Months Ended 12 Months Ended
Sep. 30, 2015
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Securities [Abstract]        
Carrying value of pledged securities   $ 427,400,000 $ 516,500,000  
Total gains realized on security $ 2,700,000 3,300,000 295,000 $ 1,571,000
Gross realized gains   3,300,000 200,000 1,400,000
Gross realized losses   400,000 200,000 0
Tax (benefit) provision applicable to these realized net (losses)/gains   1,200,000 0 500,000
Proceeds from sales of securities   290,000,000 109,800,000 $ 18,600,000
Net unrealized gains (losses) on available-for-sale securities included in AOCI , net of applicable income taxes   (900,000) 200,000  
Gains reclassified out of AOCI into earnings, net of tax   $ 2,100,000 $ 200,000  
XML 73 R59.htm IDEA: XBRL DOCUMENT v3.3.1.900
Securities, Exposure to Investment Securities Issuers That Exceeded 10 Percent of Stockholders' Equity (Details) - USD ($)
$ in Thousands
Dec. 31, 2015
Dec. 31, 2014
Exposure to investment securities issuers that exceeded 10% of shareholders' equity [Abstract]    
Amortized cost $ 546,121 $ 641,603
Stockholders' Equity, Total [Member]    
Exposure to investment securities issuers that exceeded 10% of shareholders' equity [Abstract]    
Amortized cost 394,007  
Fair value 390,567  
Stockholders' Equity, Total [Member] | U.S. Treasuries [Member]    
Exposure to investment securities issuers that exceeded 10% of shareholders' equity [Abstract]    
Amortized cost 29,999  
Fair value 29,999  
Stockholders' Equity, Total [Member] | Federal Home Loan Bank (FHLB) [Member]    
Exposure to investment securities issuers that exceeded 10% of shareholders' equity [Abstract]    
Amortized cost 85,507  
Fair value 84,689  
Stockholders' Equity, Total [Member] | Federal Home Loan Mortgage Corporation (Freddie Mac-FHLMC) [Member]    
Exposure to investment securities issuers that exceeded 10% of shareholders' equity [Abstract]    
Amortized cost 66,271  
Fair value 65,589  
Stockholders' Equity, Total [Member] | Federal National Mortgage Association (Fannie Mae-FNMA) [Member]    
Exposure to investment securities issuers that exceeded 10% of shareholders' equity [Abstract]    
Amortized cost 127,504  
Fair value 126,294  
Stockholders' Equity, Total [Member] | Federal Farm Credit Bank (FFCB) [Member]    
Exposure to investment securities issuers that exceeded 10% of shareholders' equity [Abstract]    
Amortized cost 84,726  
Fair value $ 83,996  
XML 74 R60.htm IDEA: XBRL DOCUMENT v3.3.1.900
Loans, Components of Loan Portfolio (Details) - USD ($)
$ in Thousands
Dec. 31, 2015
Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans Before Unearned Income $ 843,608 $ 792,145
Percent of category 100.00% 100.00%
Unearned income $ (2,025) $ (1,824)
Total Loans Net of Unearned Income 841,583 790,321
Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans Before Unearned Income $ 539,406 $ 526,537
Percent of category 63.90% 66.50%
Real Estate [Member] | Construction and Land Development [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans Before Unearned Income $ 56,132 $ 52,094
Percent of category 6.60% 6.60%
Real Estate [Member] | Farmland [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans Before Unearned Income $ 17,672 $ 13,539
Percent of category 2.10% 1.70%
Real Estate [Member] | 1- 4 Family [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans Before Unearned Income $ 129,610 $ 118,181
Percent of category 15.40% 14.90%
Real Estate [Member] | Multifamily [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans Before Unearned Income $ 12,629 $ 14,323
Percent of category 1.50% 1.80%
Real Estate [Member] | Non-Farm Non-Residential [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans Before Unearned Income $ 323,363 $ 328,400
Percent of category 38.30% 41.50%
Non-Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans Before Unearned Income $ 304,202 $ 265,608
Percent of category 36.10% 33.50%
Non-Real Estate [Member] | Agricultural [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans Before Unearned Income $ 25,838 $ 26,278
Percent of category 3.10% 3.30%
Non-Real Estate [Member] | Commercial and Industrial [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans Before Unearned Income $ 224,201 $ 196,339
Percent of category 26.60% 24.80%
Non-Real Estate [Member] | Consumer and Other [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans Before Unearned Income $ 54,163 $ 42,991
Percent of category 6.40% 5.40%
XML 75 R61.htm IDEA: XBRL DOCUMENT v3.3.1.900
Loans, Fixed and Floating Rate Loans by Contractual Maturity (Details) - USD ($)
$ in Thousands
Dec. 31, 2015
Dec. 31, 2014
Financing Receivables, Fixed and Floating Rate Loans by Contractual Maturity [Abstract]    
One year or less $ 135,086 $ 160,936
One to five years 562,059 478,961
Five to 15 years 80,653 106,646
Over 15 years 45,771 33,408
Subtotal 823,569 779,951
Nonaccrual loans 20,039 12,194
Total Loans Before Unearned Income 843,608 792,145
Unearned income (2,025) (1,824)
Total Loans Net of Unearned Income 841,583 790,321
Fixed Rate Loans [Member]    
Financing Receivables, Fixed and Floating Rate Loans by Contractual Maturity [Abstract]    
One year or less 86,975 88,686
One to five years 315,685 253,306
Five to 15 years 49,197 67,012
Over 15 years 36,438 25,304
Subtotal 488,295 434,308
Floating Rate Loans [Member]    
Financing Receivables, Fixed and Floating Rate Loans by Contractual Maturity [Abstract]    
One year or less 48,111 72,250
One to five years 246,374 225,655
Five to 15 years 31,456 39,634
Over 15 years 9,333 8,104
Subtotal 335,274 345,643
Loans at interest rate floor $ 132,900 $ 195,700
XML 76 R62.htm IDEA: XBRL DOCUMENT v3.3.1.900
Loans, Receivables Past Due (Details) - USD ($)
$ in Thousands
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due $ 28,626 $ 21,910  
Current 814,982 770,235  
Total Loans Before Unearned Income 843,608 792,145  
Unearned income (2,025) (1,824)  
Total Loans Net of Unearned Income 841,583 790,321  
Recorded investment 90 days accruing 410 599 $ 400
30-89 Days Past Due [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 8,177 9,117  
90 Days or Greater [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 20,449 12,793  
Real Estate [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 22,154 17,821  
Current 517,252 508,716  
Total Loans Before Unearned Income 539,406 526,537  
Recorded investment 90 days accruing 410 599  
Real Estate [Member] | 30-89 Days Past Due [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 4,552 7,771  
Real Estate [Member] | 90 Days or Greater [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 17,602 10,050  
Real Estate [Member] | Construction and Land Development [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 570 824  
Current 55,562 51,270  
Total Loans Before Unearned Income 56,132 52,094  
Recorded investment 90 days accruing 0 0  
Real Estate [Member] | Construction and Land Development [Member] | 30-89 Days Past Due [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 12 338  
Real Estate [Member] | Construction and Land Development [Member] | 90 Days or Greater [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 558 486  
Real Estate [Member] | Farmland [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 136 163  
Current 17,536 13,376  
Total Loans Before Unearned Income 17,672 13,539  
Recorded investment 90 days accruing 19 0  
Real Estate [Member] | Farmland [Member] | 30-89 Days Past Due [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 0 10  
Real Estate [Member] | Farmland [Member] | 90 Days or Greater [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 136 153  
Real Estate [Member] | 1- 4 Family [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 7,475 7,342  
Current 122,135 110,839  
Total Loans Before Unearned Income 129,610 118,181  
Recorded investment 90 days accruing 391 599  
Real Estate [Member] | 1- 4 Family [Member] | 30-89 Days Past Due [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 2,546 2,924  
Real Estate [Member] | 1- 4 Family [Member] | 90 Days or Greater [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 4,929 4,418  
Real Estate [Member] | Multifamily [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 9,045 2,990  
Current 3,584 11,333  
Total Loans Before Unearned Income 12,629 14,323  
Recorded investment 90 days accruing 0 0  
Real Estate [Member] | Multifamily [Member] | 30-89 Days Past Due [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 0 2,990  
Real Estate [Member] | Multifamily [Member] | 90 Days or Greater [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 9,045 0  
Real Estate [Member] | Non-Farm Non-Residential [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 4,928 6,502  
Current 318,435 321,898  
Total Loans Before Unearned Income 323,363 328,400  
Recorded investment 90 days accruing 0 0  
Real Estate [Member] | Non-Farm Non-Residential [Member] | 30-89 Days Past Due [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 1,994 1,509  
Real Estate [Member] | Non-Farm Non-Residential [Member] | 90 Days or Greater [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 2,934 4,993  
Non-Real Estate [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 6,472 4,089  
Current 297,730 261,519  
Total Loans Before Unearned Income 304,202 265,608  
Recorded investment 90 days accruing 0 0  
Non-Real Estate [Member] | 30-89 Days Past Due [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 3,625 1,346  
Non-Real Estate [Member] | 90 Days or Greater [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 2,847 2,743  
Non-Real Estate [Member] | Agricultural [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 4,974 832  
Current 20,864 25,446  
Total Loans Before Unearned Income 25,838 26,278  
Recorded investment 90 days accruing 0 0  
Non-Real Estate [Member] | Agricultural [Member] | 30-89 Days Past Due [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 2,346 0  
Non-Real Estate [Member] | Agricultural [Member] | 90 Days or Greater [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 2,628 832  
Non-Real Estate [Member] | Commercial and Industrial [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 362 3,148  
Current 223,839 193,191  
Total Loans Before Unearned Income 224,201 196,339  
Recorded investment 90 days accruing 0 0  
Non-Real Estate [Member] | Commercial and Industrial [Member] | 30-89 Days Past Due [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 314 1,241  
Non-Real Estate [Member] | Commercial and Industrial [Member] | 90 Days or Greater [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 48 1,907  
Non-Real Estate [Member] | Consumer and Other [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 1,136 109  
Current 53,027 42,882  
Total Loans Before Unearned Income 54,163 42,991  
Recorded investment 90 days accruing 0 0  
Non-Real Estate [Member] | Consumer and Other [Member] | 30-89 Days Past Due [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due 965 105  
Non-Real Estate [Member] | Consumer and Other [Member] | 90 Days or Greater [Member]      
Financing Receivable, Recorded Investment, Aging [Abstract]      
Total past due $ 171 $ 4  
XML 77 R63.htm IDEA: XBRL DOCUMENT v3.3.1.900
Loans, Nonaccrual Loans (Details) - USD ($)
$ in Thousands
Dec. 31, 2015
Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Nonaccrual loans $ 20,039 $ 12,194
Real Estate [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Nonaccrual loans 17,192 9,451
Real Estate [Member] | Construction & Land Development [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Nonaccrual loans 558 486
Real Estate [Member] | Farmland [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Nonaccrual loans 117 153
Real Estate [Member] | 1- 4 Family [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Nonaccrual loans 4,538 3,819
Real Estate [Member] | Multifamily [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Nonaccrual loans 9,045 0
Real Estate [Member] | Non-Farm Non-Residential [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Nonaccrual loans 2,934 4,993
Non-Real Estate [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Nonaccrual loans 2,847 2,743
Non-Real Estate [Member] | Agricultural [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Nonaccrual loans 2,628 832
Non-Real Estate [Member] | Commercial and Industrial [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Nonaccrual loans 48 1,907
Non-Real Estate [Member] | Consumer and Other [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Nonaccrual loans $ 171 $ 4
XML 78 R64.htm IDEA: XBRL DOCUMENT v3.3.1.900
Loans, Credit Exposure of Portfolio (Details) - USD ($)
$ in Thousands
Dec. 31, 2015
Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income $ 843,608 $ 792,145
Unearned income (2,025) (1,824)
Total Loans Net of Unearned Income 841,583 790,321
Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 774,202 718,691
Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 10,752 28,702
Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 58,654 44,752
Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 0 0
Real Estate [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 539,406 526,537
Real Estate [Member] | Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 485,379 467,232
Real Estate [Member] | Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 10,099 19,961
Real Estate [Member] | Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 43,928 39,344
Real Estate [Member] | Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 0 0
Real Estate [Member] | Construction and Land Development [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 56,132 52,094
Real Estate [Member] | Construction and Land Development [Member] | Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 51,681 46,451
Real Estate [Member] | Construction and Land Development [Member] | Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 386 559
Real Estate [Member] | Construction and Land Development [Member] | Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 4,065 5,084
Real Estate [Member] | Construction and Land Development [Member] | Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 0 0
Real Estate [Member] | Farmland [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 17,672 13,539
Real Estate [Member] | Farmland [Member] | Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 17,554 13,299
Real Estate [Member] | Farmland [Member] | Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 0 87
Real Estate [Member] | Farmland [Member] | Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 118 153
Real Estate [Member] | Farmland [Member] | Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 0 0
Real Estate [Member] | 1- 4 Family [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 129,610 118,181
Real Estate [Member] | 1- 4 Family [Member] | Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 115,878 103,582
Real Estate [Member] | 1- 4 Family [Member] | Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 6,425 6,113
Real Estate [Member] | 1- 4 Family [Member] | Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 7,307 8,486
Real Estate [Member] | 1- 4 Family [Member] | Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 0 0
Real Estate [Member] | Multifamily [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 12,629 14,323
Real Estate [Member] | Multifamily [Member] | Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 3,584 3,581
Real Estate [Member] | Multifamily [Member] | Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 0 6,414
Real Estate [Member] | Multifamily [Member] | Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 9,045 4,328
Real Estate [Member] | Multifamily [Member] | Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 0 0
Real Estate [Member] | Non-Farm Non-Residential [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 323,363 328,400
Real Estate [Member] | Non-Farm Non-Residential [Member] | Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 296,682 300,319
Real Estate [Member] | Non-Farm Non-Residential [Member] | Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 3,288 6,788
Real Estate [Member] | Non-Farm Non-Residential [Member] | Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 23,393 21,293
Real Estate [Member] | Non-Farm Non-Residential [Member] | Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 0 0
Non-Real Estate [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 304,202 265,608
Non-Real Estate [Member] | Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 288,823 251,459
Non-Real Estate [Member] | Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 653 8,741
Non-Real Estate [Member] | Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 14,726 5,408
Non-Real Estate [Member] | Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 0 0
Non-Real Estate [Member] | Agricultural [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 25,838 26,278
Non-Real Estate [Member] | Agricultural [Member] | Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 20,860 22,789
Non-Real Estate [Member] | Agricultural [Member] | Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 4 7
Non-Real Estate [Member] | Agricultural [Member] | Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 4,974 3,482
Non-Real Estate [Member] | Agricultural [Member] | Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 0 0
Non-Real Estate [Member] | Commercial and Industrial [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 224,201 196,339
Non-Real Estate [Member] | Commercial and Industrial [Member] | Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 214,184 185,839
Non-Real Estate [Member] | Commercial and Industrial [Member] | Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 471 8,611
Non-Real Estate [Member] | Commercial and Industrial [Member] | Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 9,546 1,889
Non-Real Estate [Member] | Commercial and Industrial [Member] | Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 0 0
Non-Real Estate [Member] | Consumer and Other [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 54,163 42,991
Non-Real Estate [Member] | Consumer and Other [Member] | Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 53,779 42,831
Non-Real Estate [Member] | Consumer and Other [Member] | Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 178 123
Non-Real Estate [Member] | Consumer and Other [Member] | Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income 206 37
Non-Real Estate [Member] | Consumer and Other [Member] | Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans Before Unearned Income $ 0 $ 0
XML 79 R65.htm IDEA: XBRL DOCUMENT v3.3.1.900
Allowance for Loan Losses, Summary of Changes in Allowance for Loan Losses, by Portfolio Type (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Summary of changes in allowance for loan losses, by portfolio type [Roll Forward]      
Beginning allowance $ 9,105 $ 10,355 $ 10,342
Charge-offs (4,173) (3,693) (3,033)
Recoveries 619 481 526
Provision 3,864 1,962 2,520
Ending allowance 9,415 9,105 10,355
Real Estate [Member]      
Summary of changes in allowance for loan losses, by portfolio type [Roll Forward]      
Beginning allowance 6,380 7,504 7,337
Charge-offs (3,053) (3,136) (1,632)
Recoveries 150 163 207
Provision 3,165 1,849 1,592
Ending allowance 6,642 6,380 7,504
Real Estate [Member] | Construction & Land Development [Member]      
Summary of changes in allowance for loan losses, by portfolio type [Roll Forward]      
Beginning allowance 702 1,530 1,098
Charge-offs (559) (1,032) (233)
Recoveries 5 6 10
Provision 814 198 655
Ending allowance 962 702 1,530
Real Estate [Member] | Farmland [Member]      
Summary of changes in allowance for loan losses, by portfolio type [Roll Forward]      
Beginning allowance 21 17 50
Charge-offs 0 0 (31)
Recoveries 0 0 140
Provision 33 4 (142)
Ending allowance 54 21 17
Real Estate [Member] | 1- 4 Family [Member]      
Summary of changes in allowance for loan losses, by portfolio type [Roll Forward]      
Beginning allowance 2,131 1,974 2,239
Charge-offs (410) (589) (220)
Recoveries 94 99 49
Provision (44) 647 (94)
Ending allowance 1,771 2,131 1,974
Real Estate [Member] | Multifamily [Member]      
Summary of changes in allowance for loan losses, by portfolio type [Roll Forward]      
Beginning allowance 813 376 284
Charge-offs (947) 0 0
Recoveries 46 49 0
Provision 645 388 92
Ending allowance 557 813 376
Real Estate [Member] | Non-Farm Non-Residential [Member]      
Summary of changes in allowance for loan losses, by portfolio type [Roll Forward]      
Beginning allowance 2,713 3,607 3,666
Charge-offs (1,137) (1,515) (1,148)
Recoveries 5 9 8
Provision 1,717 612 1,081
Ending allowance 3,298 2,713 3,607
Non-Real Estate [Member]      
Summary of changes in allowance for loan losses, by portfolio type [Roll Forward]      
Beginning allowance 2,725 2,851 3,005
Charge-offs (1,120) (557) (1,401)
Recoveries 469 318 319
Provision 699 113 928
Ending allowance 2,773 2,725 2,851
Non-Real Estate [Member] | Agricultural [Member]      
Summary of changes in allowance for loan losses, by portfolio type [Roll Forward]      
Beginning allowance 293 46 64
Charge-offs (491) (2) (41)
Recoveries 3 1 5
Provision 211 248 18
Ending allowance 16 293 46
Non-Real Estate [Member] | Commercial and Industrial [Member]      
Summary of changes in allowance for loan losses, by portfolio type [Roll Forward]      
Beginning allowance 1,797 2,176 2,488
Charge-offs (79) (266) (1,098)
Recoveries 315 118 71
Provision 494 (231) 715
Ending allowance 2,527 1,797 2,176
Non-Real Estate [Member] | Consumer and Other [Member]      
Summary of changes in allowance for loan losses, by portfolio type [Roll Forward]      
Beginning allowance 371 208 233
Charge-offs (550) (289) (262)
Recoveries 151 199 243
Provision 258 253 (6)
Ending allowance 230 371 208
Non-Real Estate [Member] | Unallocated [Member]      
Summary of changes in allowance for loan losses, by portfolio type [Roll Forward]      
Beginning allowance 264 421 220
Charge-offs 0 0 0
Recoveries 0 0 0
Provision (264) (157) 201
Ending allowance $ 0 $ 264 $ 421
XML 80 R66.htm IDEA: XBRL DOCUMENT v3.3.1.900
Allowance for Loan Losses, Summary of Allowance and Loans Individually and Collectively Evaluated for Impairment (Details) - USD ($)
$ in Thousands
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Summary of allowance and loans individually and collectively evaluated for impairment [Abstract]        
Allowance individually evaluated for impairment $ 2,363 $ 1,910    
Allowance collectively evaluated for impairment 7,052 7,195    
Total allowance for credit losses 9,415 9,105 $ 10,355 $ 10,342
Loans individually evaluated for impairment 31,142 35,372    
Loans collectively evaluated for impairment 812,466 756,773    
Total Loans Before Unearned Income 843,608 792,145    
Unearned income (2,025) (1,824)    
Total Loans Net of Unearned Income 841,583 790,321    
Financing receivable recorded investment not accruing interest 20,000 12,200 14,500  
Financing receivable, recorded investment, 90 days past due and still accruing 410 599 400  
Financing receivable average recorded investment nonaccrual status 14,900 13,800 17,300  
Loan that is no longer considered impaired but is still individually evaluated for impairment 5,300 5,900    
Real Estate [Member]        
Summary of allowance and loans individually and collectively evaluated for impairment [Abstract]        
Allowance individually evaluated for impairment 2,363 1,629    
Allowance collectively evaluated for impairment 4,279 4,751    
Total allowance for credit losses 6,642 6,380 7,504 7,337
Loans individually evaluated for impairment 26,108 31,058    
Loans collectively evaluated for impairment 513,298 495,479    
Total Loans Before Unearned Income 539,406 526,537    
Financing receivable, recorded investment, 90 days past due and still accruing 410 599    
Real Estate [Member] | Construction & Land Development [Member]        
Summary of allowance and loans individually and collectively evaluated for impairment [Abstract]        
Allowance individually evaluated for impairment 0 126    
Allowance collectively evaluated for impairment 962 576    
Total allowance for credit losses 962 702 1,530 1,098
Loans individually evaluated for impairment 368 4,150    
Loans collectively evaluated for impairment 55,764 47,944    
Total Loans Before Unearned Income 56,132 52,094    
Financing receivable, recorded investment, 90 days past due and still accruing 0 0    
Real Estate [Member] | Farmland [Member]        
Summary of allowance and loans individually and collectively evaluated for impairment [Abstract]        
Allowance individually evaluated for impairment 0 0    
Allowance collectively evaluated for impairment 54 21    
Total allowance for credit losses 54 21 17 50
Loans individually evaluated for impairment 0 0    
Loans collectively evaluated for impairment 17,672 13,539    
Total Loans Before Unearned Income 17,672 13,539    
Financing receivable, recorded investment, 90 days past due and still accruing 19 0    
Real Estate [Member] | 1- 4 Family [Member]        
Summary of allowance and loans individually and collectively evaluated for impairment [Abstract]        
Allowance individually evaluated for impairment 611 598    
Allowance collectively evaluated for impairment 1,160 1,533    
Total allowance for credit losses 1,771 2,131 1,974 2,239
Loans individually evaluated for impairment 3,049 3,420    
Loans collectively evaluated for impairment 126,561 114,761    
Total Loans Before Unearned Income 129,610 118,181    
Financing receivable, recorded investment, 90 days past due and still accruing 391 599    
Real Estate [Member] | Multifamily [Member]        
Summary of allowance and loans individually and collectively evaluated for impairment [Abstract]        
Allowance individually evaluated for impairment 454 437    
Allowance collectively evaluated for impairment 103 376    
Total allowance for credit losses 557 813 376 284
Loans individually evaluated for impairment 9,045 7,201    
Loans collectively evaluated for impairment 3,584 7,122    
Total Loans Before Unearned Income 12,629 14,323    
Financing receivable, recorded investment, 90 days past due and still accruing 0 0    
Real Estate [Member] | Non-Farm Non-Residential [Member]        
Summary of allowance and loans individually and collectively evaluated for impairment [Abstract]        
Allowance individually evaluated for impairment 1,298 468    
Allowance collectively evaluated for impairment 2,000 2,245    
Total allowance for credit losses 3,298 2,713 3,607 3,666
Loans individually evaluated for impairment 13,646 16,287    
Loans collectively evaluated for impairment 309,717 312,113    
Total Loans Before Unearned Income 323,363 328,400    
Financing receivable, recorded investment, 90 days past due and still accruing 0 0    
Non-Real Estate [Member]        
Summary of allowance and loans individually and collectively evaluated for impairment [Abstract]        
Allowance individually evaluated for impairment 0 281    
Allowance collectively evaluated for impairment 2,773 2,444    
Total allowance for credit losses 2,773 2,725 2,851 3,005
Loans individually evaluated for impairment 5,034 4,314    
Loans collectively evaluated for impairment 299,168 261,294    
Total Loans Before Unearned Income 304,202 265,608    
Financing receivable, recorded investment, 90 days past due and still accruing 0 0    
Non-Real Estate [Member] | Agricultural [Member]        
Summary of allowance and loans individually and collectively evaluated for impairment [Abstract]        
Allowance individually evaluated for impairment 0 262    
Allowance collectively evaluated for impairment 16 31    
Total allowance for credit losses 16 293 46 64
Loans individually evaluated for impairment 4,863 2,650    
Loans collectively evaluated for impairment 20,975 23,628    
Total Loans Before Unearned Income 25,838 26,278    
Financing receivable, recorded investment, 90 days past due and still accruing 0 0    
Non-Real Estate [Member] | Commercial and Industrial [Member]        
Summary of allowance and loans individually and collectively evaluated for impairment [Abstract]        
Allowance individually evaluated for impairment 0 19    
Allowance collectively evaluated for impairment 2,527 1,778    
Total allowance for credit losses 2,527 1,797 2,176 2,488
Loans individually evaluated for impairment 0 1,664    
Loans collectively evaluated for impairment 224,201 194,675    
Total Loans Before Unearned Income 224,201 196,339    
Financing receivable, recorded investment, 90 days past due and still accruing 0 0    
Non-Real Estate [Member] | Consumer and Other [Member]        
Summary of allowance and loans individually and collectively evaluated for impairment [Abstract]        
Allowance individually evaluated for impairment 0 0    
Allowance collectively evaluated for impairment 230 371    
Total allowance for credit losses 230 371 208 233
Loans individually evaluated for impairment 171 0    
Loans collectively evaluated for impairment 53,992 42,991    
Total Loans Before Unearned Income 54,163 42,991    
Financing receivable, recorded investment, 90 days past due and still accruing 0 0    
Non-Real Estate [Member] | Unallocated [Member]        
Summary of allowance and loans individually and collectively evaluated for impairment [Abstract]        
Allowance individually evaluated for impairment 0 0    
Allowance collectively evaluated for impairment 0 264    
Total allowance for credit losses 0 264 $ 421 $ 220
Loans individually evaluated for impairment 0 0    
Loans collectively evaluated for impairment 0 0    
Total Loans Before Unearned Income $ 0 $ 0    
XML 81 R67.htm IDEA: XBRL DOCUMENT v3.3.1.900
Allowance for Loan Losses, Impaired Loans by Class (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Impaired loans with no related allowance [Abstract]    
Recorded investment $ 13,821 $ 12,115
Unpaid principal balance 15,873 15,023
Average recorded investment 15,979 12,718
Interest income recognized 866 742
Interest income cash basis 667 576
Impaired loans with an allowance recorded [Abstract]    
Recorded investment 12,004 17,394
Unpaid principal balance 12,985 17,664
Related allowance 1,909 1,871
Average recorded investment 13,114 13,179
Interest income recognized 669 522
Interest income cash basis 694 512
Total impaired loans [Abstract]    
Recorded investment 25,825 29,509
Unpaid principal balance 28,858 32,687
Related allowance 1,909 1,871
Average recorded investment 29,093 25,897
Interest income recognized 1,535 1,264
Interest income cash basis 1,361 1,088
Real Estate [Member]    
Impaired loans with no related allowance [Abstract]    
Recorded investment 8,787 12,115
Unpaid principal balance 10,537 15,023
Average recorded investment 10,608 12,718
Interest income recognized 539 742
Interest income cash basis 347 576
Impaired loans with an allowance recorded [Abstract]    
Recorded investment 12,004 13,080
Unpaid principal balance 12,985 13,160
Related allowance 1,909 1,590
Average recorded investment 13,114 13,179
Interest income recognized 669 522
Interest income cash basis 694 512
Total impaired loans [Abstract]    
Related allowance 1,909 1,590
Real Estate [Member] | Construction & Land Development [Member]    
Impaired loans with no related allowance [Abstract]    
Recorded investment 368 3,308
Unpaid principal balance 823 4,359
Average recorded investment 825 3,479
Interest income recognized 41 217
Interest income cash basis 44 224
Impaired loans with an allowance recorded [Abstract]    
Recorded investment 0 842
Unpaid principal balance 0 842
Related allowance 0 126
Average recorded investment 0 829
Interest income recognized 0 48
Interest income cash basis 0 43
Total impaired loans [Abstract]    
Related allowance 0 126
Real Estate [Member] | Farmland [Member]    
Impaired loans with no related allowance [Abstract]    
Recorded investment 0 0
Unpaid principal balance 0 0
Average recorded investment 0 0
Interest income recognized 0 0
Interest income cash basis 0 0
Impaired loans with an allowance recorded [Abstract]    
Recorded investment 0 0
Unpaid principal balance 0 0
Related allowance 0 0
Average recorded investment 0 0
Interest income recognized 0 0
Interest income cash basis 0 0
Total impaired loans [Abstract]    
Related allowance 0 0
Real Estate [Member] | 1- 4 Family [Member]    
Impaired loans with no related allowance [Abstract]    
Recorded investment 1,054 1,368
Unpaid principal balance 1,358 1,656
Average recorded investment 1,354 397
Interest income recognized 79 72
Interest income cash basis 84 43
Impaired loans with an allowance recorded [Abstract]    
Recorded investment 1,995 2,052
Unpaid principal balance 2,144 2,068
Related allowance 611 598
Average recorded investment 2,079 2,062
Interest income recognized 103 97
Interest income cash basis 125 87
Total impaired loans [Abstract]    
Related allowance 611 598
Real Estate [Member] | Multifamily [Member]    
Impaired loans with no related allowance [Abstract]    
Recorded investment 3,728 0
Unpaid principal balance 4,240 0
Average recorded investment 4,305 148
Interest income recognized 254 31
Interest income cash basis 72 34
Impaired loans with an allowance recorded [Abstract]    
Recorded investment 0 1,338
Unpaid principal balance 0 1,337
Related allowance 0 398
Average recorded investment 0 1,340
Interest income recognized 0 60
Interest income cash basis 0 55
Total impaired loans [Abstract]    
Related allowance 0 398
Real Estate [Member] | Non-Farm Non-Residential [Member]    
Impaired loans with no related allowance [Abstract]    
Recorded investment 3,637 7,439
Unpaid principal balance 4,116 9,008
Average recorded investment 4,124 8,694
Interest income recognized 165 422
Interest income cash basis 147 275
Impaired loans with an allowance recorded [Abstract]    
Recorded investment 10,009 8,848
Unpaid principal balance 10,841 8,913
Related allowance 1,298 468
Average recorded investment 11,035 8,948
Interest income recognized 566 317
Interest income cash basis 569 327
Total impaired loans [Abstract]    
Related allowance 1,298 468
Non-Real Estate [Member]    
Impaired loans with no related allowance [Abstract]    
Recorded investment 5,034 0
Unpaid principal balance 5,336 0
Average recorded investment 5,371 0
Interest income recognized 327 0
Interest income cash basis 320 0
Impaired loans with an allowance recorded [Abstract]    
Recorded investment 0 4,314
Unpaid principal balance 0 4,504
Related allowance 0 281
Average recorded investment 0 0
Interest income recognized 0 0
Interest income cash basis 0 0
Total impaired loans [Abstract]    
Related allowance 0 281
Non-Real Estate [Member] | Agricultural [Member]    
Impaired loans with no related allowance [Abstract]    
Recorded investment 4,863 0
Unpaid principal balance 5,019 0
Average recorded investment 5,036 0
Interest income recognized 300 0
Interest income cash basis 300 0
Impaired loans with an allowance recorded [Abstract]    
Recorded investment 0 2,650
Unpaid principal balance 0 2,650
Related allowance 0 262
Average recorded investment 0 0
Interest income recognized 0 0
Interest income cash basis 0 0
Total impaired loans [Abstract]    
Related allowance 0 262
Non-Real Estate [Member] | Commercial and Industrial [Member]    
Impaired loans with no related allowance [Abstract]    
Recorded investment 0 0
Unpaid principal balance 0 0
Average recorded investment 0 0
Interest income recognized 0 0
Interest income cash basis 0 0
Impaired loans with an allowance recorded [Abstract]    
Recorded investment 0 1,664
Unpaid principal balance 0 1,854
Related allowance 0 19
Average recorded investment 0 0
Interest income recognized 0 0
Interest income cash basis 0 0
Total impaired loans [Abstract]    
Related allowance 0 19
Non-Real Estate [Member] | Consumer and Other [Member]    
Impaired loans with no related allowance [Abstract]    
Recorded investment 171 0
Unpaid principal balance 317 0
Average recorded investment 335 0
Interest income recognized 27 0
Interest income cash basis 20 0
Impaired loans with an allowance recorded [Abstract]    
Recorded investment 0 0
Unpaid principal balance 0 0
Related allowance 0 0
Average recorded investment 0 0
Interest income recognized 0 0
Interest income cash basis 0 0
Total impaired loans [Abstract]    
Related allowance $ 0 $ 0
XML 82 R68.htm IDEA: XBRL DOCUMENT v3.3.1.900
Allowance for Loan Losses, Age Analysis of TDRs (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2015
USD ($)
Contract
Dec. 31, 2014
USD ($)
Contract
Financing Receivable, Modifications [Line Items]    
Accruing loans, current $ 3,431 $ 2,998
Nonaccrual 2,276 230
Total TDRs 5,707 5,432
30-89 Days Past Due [Member]    
Financing Receivable, Modifications [Line Items]    
Accruing loans, past due $ 0 $ 2,204
1-4 Family and Non-Farm Non-Residential [Member] | Interest Only with Reduction in Scheduled Amortization Payments and Contractual Interest Rate [Member]    
Financing Receivable, Modifications [Line Items]    
Number of troubled debt restructurings | Contract   1
Total TDRs   $ 2,200
Raw Land [Member] | Interest Only with Reduction in Scheduled Amortization Payments and Contractual Interest Rate [Member]    
Financing Receivable, Modifications [Line Items]    
Number of troubled debt restructurings | Contract 1  
Total TDRs $ 400  
Real Estate [Member]    
Financing Receivable, Modifications [Line Items]    
Accruing loans, current 3,431 2,998
Nonaccrual 2,276 230
Total TDRs 5,707 5,432
Real Estate [Member] | 30-89 Days Past Due [Member]    
Financing Receivable, Modifications [Line Items]    
Accruing loans, past due 0 2,204
Real Estate [Member] | Construction & Land Development [Member]    
Financing Receivable, Modifications [Line Items]    
Accruing loans, current 0 0
Nonaccrual 368 0
Total TDRs 368 0
Real Estate [Member] | Construction & Land Development [Member] | 30-89 Days Past Due [Member]    
Financing Receivable, Modifications [Line Items]    
Accruing loans, past due 0 0
Real Estate [Member] | Farmland [Member]    
Financing Receivable, Modifications [Line Items]    
Accruing loans, current 0 0
Nonaccrual 0 0
Total TDRs 0 0
Real Estate [Member] | Farmland [Member] | 30-89 Days Past Due [Member]    
Financing Receivable, Modifications [Line Items]    
Accruing loans, past due 0 0
Real Estate [Member] | 1- 4 Family [Member]    
Financing Receivable, Modifications [Line Items]    
Accruing loans, current 0 0
Nonaccrual 1,702 0
Total TDRs 1,702 1,752
Real Estate [Member] | 1- 4 Family [Member] | 30-89 Days Past Due [Member]    
Financing Receivable, Modifications [Line Items]    
Accruing loans, past due 0 1,752
Real Estate [Member] | Multifamily [Member]    
Financing Receivable, Modifications [Line Items]    
Accruing loans, current 0 0
Nonaccrual 0 0
Total TDRs 0 0
Real Estate [Member] | Multifamily [Member] | 30-89 Days Past Due [Member]    
Financing Receivable, Modifications [Line Items]    
Accruing loans, past due 0 0
Real Estate [Member] | Non-Farm Non-Residential [Member]    
Financing Receivable, Modifications [Line Items]    
Accruing loans, current 3,431 2,998
Nonaccrual 206 230
Total TDRs 3,637 3,680
Real Estate [Member] | Non-Farm Non-Residential [Member] | 30-89 Days Past Due [Member]    
Financing Receivable, Modifications [Line Items]    
Accruing loans, past due 0 452
Non-Real Estate [Member]    
Financing Receivable, Modifications [Line Items]    
Accruing loans, current 0 0
Nonaccrual 0 0
Total TDRs 0 0
Non-Real Estate [Member] | 30-89 Days Past Due [Member]    
Financing Receivable, Modifications [Line Items]    
Accruing loans, past due 0 0
Non-Real Estate [Member] | Agricultural [Member]    
Financing Receivable, Modifications [Line Items]    
Accruing loans, current 0 0
Nonaccrual 0 0
Total TDRs 0 0
Non-Real Estate [Member] | Agricultural [Member] | 30-89 Days Past Due [Member]    
Financing Receivable, Modifications [Line Items]    
Accruing loans, past due 0 0
Non-Real Estate [Member] | Commercial and Industrial [Member]    
Financing Receivable, Modifications [Line Items]    
Accruing loans, current 0 0
Nonaccrual 0 0
Total TDRs 0 0
Non-Real Estate [Member] | Commercial and Industrial [Member] | 30-89 Days Past Due [Member]    
Financing Receivable, Modifications [Line Items]    
Accruing loans, past due 0 0
Non-Real Estate [Member] | Consumer and Other [Member]    
Financing Receivable, Modifications [Line Items]    
Accruing loans, current 0 0
Nonaccrual 0 0
Total TDRs 0 0
Non-Real Estate [Member] | Consumer and Other [Member] | 30-89 Days Past Due [Member]    
Financing Receivable, Modifications [Line Items]    
Accruing loans, past due $ 0 $ 0
XML 83 R69.htm IDEA: XBRL DOCUMENT v3.3.1.900
Allowance for Loan Losses, TDR Activity (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2015
USD ($)
TDR activity [Roll Forward]  
Beginning balance $ 5,432
New TDRs 368
Charge-offs post-modification (29)
Transferred to ORE 0
Paydowns (64)
Construction to permanent financing 0
Restructured to market terms 0
Ending balance 5,707
Real Estate [Member]  
TDR activity [Roll Forward]  
Beginning balance 5,432
New TDRs 368
Charge-offs post-modification (29)
Transferred to ORE 0
Paydowns (64)
Construction to permanent financing 0
Ending balance 5,707
Real Estate [Member] | Construction & Land Development [Member]  
TDR activity [Roll Forward]  
Beginning balance 0
New TDRs 368
Charge-offs post-modification 0
Transferred to ORE 0
Paydowns 0
Construction to permanent financing 0
Restructured to market terms 0
Ending balance 368
Real Estate [Member] | Farmland [Member]  
TDR activity [Roll Forward]  
Beginning balance 0
New TDRs 0
Charge-offs post-modification 0
Transferred to ORE 0
Paydowns 0
Construction to permanent financing 0
Restructured to market terms 0
Ending balance 0
Real Estate [Member] | 1- 4 Family [Member]  
TDR activity [Roll Forward]  
Beginning balance 1,752
New TDRs 0
Charge-offs post-modification 0
Transferred to ORE 0
Paydowns (50)
Construction to permanent financing 0
Restructured to market terms 0
Ending balance 1,702
Real Estate [Member] | Multifamily [Member]  
TDR activity [Roll Forward]  
Beginning balance 0
New TDRs 0
Charge-offs post-modification 0
Transferred to ORE 0
Paydowns 0
Construction to permanent financing 0
Restructured to market terms 0
Ending balance 0
Real Estate [Member] | Non-Farm Non-Residential [Member]  
TDR activity [Roll Forward]  
Beginning balance 3,680
New TDRs 0
Charge-offs post-modification (29)
Transferred to ORE 0
Paydowns (14)
Construction to permanent financing 0
Restructured to market terms 0
Ending balance 3,637
Non-Real Estate [Member]  
TDR activity [Roll Forward]  
Beginning balance 0
New TDRs 0
Charge-offs post-modification 0
Transferred to ORE 0
Paydowns 0
Construction to permanent financing 0
Restructured to market terms 0
Ending balance 0
Non-Real Estate [Member] | Agricultural [Member]  
TDR activity [Roll Forward]  
Beginning balance 0
New TDRs 0
Charge-offs post-modification 0
Transferred to ORE 0
Paydowns 0
Construction to permanent financing 0
Restructured to market terms 0
Ending balance 0
Non-Real Estate [Member] | Commercial and Industrial [Member]  
TDR activity [Roll Forward]  
Beginning balance 0
New TDRs 0
Charge-offs post-modification 0
Transferred to ORE 0
Paydowns 0
Construction to permanent financing 0
Restructured to market terms 0
Ending balance 0
Non-Real Estate [Member] | Consumer and Other [Member]  
TDR activity [Roll Forward]  
Beginning balance 0
New TDRs 0
Charge-offs post-modification 0
Transferred to ORE 0
Paydowns 0
Construction to permanent financing 0
Restructured to market terms 0
Ending balance $ 0
XML 84 R70.htm IDEA: XBRL DOCUMENT v3.3.1.900
Premises and Equipment (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Property, Plant and Equipment [Line Items]      
Acquired value $ 49,868 $ 45,506  
Less: accumulated depreciation 27,849 26,295  
Net book value 22,019 19,211  
Depreciation expense 1,600 1,700 $ 1,700
Land [Member]      
Property, Plant and Equipment [Line Items]      
Acquired value 7,227 6,933  
Bank Premises [Member]      
Property, Plant and Equipment [Line Items]      
Acquired value 18,914 18,324  
Furniture and Equipment [Member]      
Property, Plant and Equipment [Line Items]      
Acquired value 21,060 19,995  
Construction in Progress [Member]      
Property, Plant and Equipment [Line Items]      
Acquired value $ 2,667 $ 254  
XML 85 R71.htm IDEA: XBRL DOCUMENT v3.3.1.900
Goodwill and Other Intangible Assets (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Goodwill and Other Intangible Assets [Abstract]      
Goodwill $ 1,999 $ 1,999  
Finite-lived Intangible Assets [Roll Forward]      
Gross Carrying Amount 9,617 9,617  
Accumulated Amortization 8,223 7,884  
Net Carrying Amount 1,394 1,733  
Amortization expense 300 300 $ 300
Amortization expense of core deposit intangible assets for next five years [Abstract]      
December 31, 2016 320    
December 31, 2017 320    
December 31, 2018 320    
December 31, 2019 135    
December 31, 2020 135    
Core Deposits Intangibles [Member]      
Finite-lived Intangible Assets [Roll Forward]      
Gross Carrying Amount 9,350 9,350  
Accumulated Amortization 8,052 7,732  
Net Carrying Amount $ 1,298 1,618  
Weighted-average amortization 4 years 4 months 24 days    
Mortgage Servicing Rights [Member]      
Finite-lived Intangible Assets [Roll Forward]      
Gross Carrying Amount $ 267 267  
Accumulated Amortization 171 152  
Net Carrying Amount $ 96 $ 115  
XML 86 R72.htm IDEA: XBRL DOCUMENT v3.3.1.900
Other Real Estate (Details) - USD ($)
$ in Thousands
Dec. 31, 2015
Dec. 31, 2014
Real Estate Owned Acquired by Foreclosure [Abstract]    
Residential $ 880 $ 1,121
Construction & land development 25 127
Non-farm non-residential 672 950
Total Other Real Estate Owned and Foreclosed Property $ 1,577 $ 2,198
XML 87 R73.htm IDEA: XBRL DOCUMENT v3.3.1.900
Deposits (Details) - USD ($)
$ in Thousands
Dec. 31, 2015
Dec. 31, 2014
Maturities of time deposits [Abstract]    
2016 $ 401,535  
2017 118,340  
2018 18,697  
2019 28,209  
2020 and thereafter 25,229  
Total 592,010 $ 657,026
Brokered deposits 26,700  
Aggregate amount of time deposits in denominations of $250,000 or more $ 305,100 $ 323,700
XML 88 R74.htm IDEA: XBRL DOCUMENT v3.3.1.900
Borrowings, Short-term Borrowings (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Short-term borrowings [Abstract]      
Securities sold under agreements to repurchase $ 0 $ 0  
Line of credit 1,800 1,800  
Total short-term borrowings $ 1,800 1,800 $ 5,788
Period of interest rate on repurchase agreements 91 days    
Available lines of credit including FHLB $ 206,200 266,700  
Schedule of certain information short-term borrowings [Abstract]      
Outstanding at year end 1,800 1,800 5,788
Maximum month-end outstanding 13,800 22,356 57,302
Average daily outstanding $ 4,217 $ 6,960 $ 21,387
Weighted average rate during the year 2.12% 1.08% 0.98%
Average rate at year end 4.50% 4.50% 1.51%
XML 89 R75.htm IDEA: XBRL DOCUMENT v3.3.1.900
Borrowings, Long-term Debt (Details) - USD ($)
 12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Debt Instrument [Line Items]    
Long-term debt outstanding $ 40,400,000  
Senior Long-term Debt [Member]    
Debt Instrument [Line Items]    
Long-term debt outstanding $ 25,824,000  
Senior Long-term Debt [Member] | Wall Street Journal Prime Rate [Member]    
Debt Instrument [Line Items]    
Basis spread on variable rate 0.75%  
Interest rate 4.00%  
Long-term debt outstanding $ 900,000 $ 1,500,000
Periodic principal payment $ 50,000  
Principal payment frequency monthly  
Debt maturity date May 12, 2017  
Percentage of interest used in secured pledge borrowings 13.20%  
Number of shares used in secured pledge borrowings (in shares) 735,745  
Senior Long-term Debt [Member] | Floating 3-Month LIBOR [Member]    
Debt Instrument [Line Items]    
Basis spread on variable rate 2.50%  
Long-term debt outstanding $ 25,000,000  
Periodic principal payment $ 625,000  
Principal payment frequency quarterly  
Debt maturity date Dec. 22, 2020  
Percentage of interest used in secured pledge borrowings 85.00%  
Number of shares used in secured pledge borrowings (in shares) 4,823,899  
Junior Subordinated Debt [Member]    
Debt Instrument [Line Items]    
Long-term debt outstanding $ 14,597,000  
Junior Subordinated Debt [Member] | Wall Street Journal Prime Rate [Member]    
Debt Instrument [Line Items]    
Basis spread on variable rate 0.75%  
Interest rate 4.00%  
Long-term debt outstanding $ 14,597,000  
Debt maturity date Dec. 21, 2025  
Junior Subordinated Debt [Member] | Wall Street Journal Prime Rate [Member] | Fixed Interest Rate Period [Member]    
Debt Instrument [Line Items]    
Principal payment frequency semi-annually  
Junior Subordinated Debt [Member] | Wall Street Journal Prime Rate [Member] | Floating Interest Rate Period [Member]    
Debt Instrument [Line Items]    
Principal payment frequency quarterly  
XML 90 R76.htm IDEA: XBRL DOCUMENT v3.3.1.900
Borrowings, Line of Credit and Letters of Credit (Details) - USD ($)
$ in Millions
Dec. 31, 2015
Dec. 31, 2014
Line of Credit Facility [Line Items]    
Line of credit facility, remaining borrowing capacity $ 206.2 $ 266.7
Revolving Credit Facility [Member]    
Line of Credit Facility [Line Items]    
Line of credit facility, maximum borrowing capacity 2.5  
Line of credit facility, remaining borrowing capacity $ 0.7  
Line of credit facility, interest rate 4.50%  
Federal Home Loan Bank (FHLB) [Member] | Letters of Credit [Member]    
Line of Credit Facility [Line Items]    
Letters of credit amount at FHLB $ 195.0 $ 150.0
XML 91 R77.htm IDEA: XBRL DOCUMENT v3.3.1.900
Borrowings, Obligations on Long-term Debt (Details)
$ in Thousands
Dec. 31, 2015
USD ($)
Obligations on senior long-term debt and junior subordinated debentures [Abstract]  
Total $ 40,400
Senior Long-term Debt [Member]  
Obligations on senior long-term debt and junior subordinated debentures [Abstract]  
2016 3,100
2017 2,755
2018 2,500
2019 2,500
2020 2,500
2021 and thereafter 12,500
Subtotal 25,855
Debt issuance costs (31)
Total 25,824
Junior Subordinated Debentures [Member]  
Obligations on senior long-term debt and junior subordinated debentures [Abstract]  
2016 0
2017 0
2018 0
2019 0
2020 0
2021 and thereafter 15,000
Subtotal 15,000
Debt issuance costs (403)
Total $ 14,597
XML 92 R78.htm IDEA: XBRL DOCUMENT v3.3.1.900
Preferred Stock (Details) - USD ($)
$ / shares in Units, $ in Thousands
 12 Months Ended
Dec. 22, 2015
Sep. 22, 2011
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Class of Stock [Line Items]          
Proceeds from issuance of preferred stock   $ 39,400      
Preferred stock dividends paid     $ 384 $ 394 $ 713
Preferred stock, total redemption price     39,435 $ 0 $ 0
Series A Preferred Stock [Member]          
Class of Stock [Line Items]          
Carrying amount of stock redeemed     21,100    
Series B Preferred Stock [Member]          
Class of Stock [Line Items]          
Carrying amount of stock redeemed     $ 21,100    
Series C Preferred Stock [Member]          
Class of Stock [Line Items]          
Preferred stock redeemed (in shares) 39,435        
Preferred stock liquidation value per share (in dollars per share) $ 1,000        
Preferred stock, total redemption price $ 39,500        
Series C Preferred Stock [Member] | Minimum [Member]          
Class of Stock [Line Items]          
Preferred stock dividend rate     1.00%    
Series C Preferred Stock [Member] | Maximum [Member]          
Class of Stock [Line Items]          
Preferred stock dividend rate     5.00%    
XML 93 R79.htm IDEA: XBRL DOCUMENT v3.3.1.900
Capital Requirements (Details) - USD ($)
$ in Thousands
Dec. 31, 2015
Dec. 31, 2014
Total Risk-based Capital, Amount [Abstract]    
Actual Amount $ 141,022 $ 144,834
Minimum Capital Requirement $ 85,952 $ 82,486
Total Risk-based Capital, Ratio [Abstract]    
Actual Ratio 13.13% 14.05%
Minimum Capital Requirement 8.00% 8.00%
Tier 1 Capital, Amount [Abstract]    
Actual Amount $ 116,607 $ 135,727
Minimum Capital Requirement $ 64,464 $ 41,243
Tier 1 Capital, Ratio [Abstract]    
Actual Ratio 10.85% 13.16%
Minimum Capital Requirement 6.00% 4.00%
Tier 1 Leverage Capital, Amount [Abstract]    
Actual Amount $ 116,607 $ 135,737
Minimum Capital Requirement $ 57,121 $ 58,173
Tier 1 Leverage Capital, Ratio [Abstract]    
Actual Ratio 8.17% 9.33%
Minimum Capital Requirement 4.00% 4.00%
Common Equity Tier One Capital, Amount [Abstract]    
Actual Amount $ 116,607  
Minimum Capital Requirement $ 48,348  
Common Equity Tier One Capital, Ratio [Abstract]    
Actual Ratio 10.85%  
Minimum Capital Requirement 4.50%  
Bank [Member]    
Total Risk-based Capital, Amount [Abstract]    
Actual Amount $ 148,316 $ 143,426
Minimum Capital Requirement 85,632 82,170
Minimum to be Well Capitalized Under Action Provisions $ 107,040 $ 102,712
Total Risk-based Capital, Ratio [Abstract]    
Actual Ratio 13.86% 13.96%
Minimum Capital Requirement 8.00% 8.00%
Minimum to be Well Capitalized Under Action Provisions 10.00% 10.00%
Tier 1 Capital, Amount [Abstract]    
Actual Amount $ 138,901 $ 134,319
Minimum Capital Requirement 64,224 41,085
Minimum to be Well Capitalized Under Action Provisions $ 85,632 $ 61,627
Tier 1 Capital, Ratio [Abstract]    
Actual Ratio 12.98% 13.08%
Minimum Capital Requirement 6.00% 4.00%
Minimum to be Well Capitalized Under Action Provisions 8.00% 6.00%
Tier 1 Leverage Capital, Amount [Abstract]    
Actual Amount $ 138,901 $ 134,319
Minimum Capital Requirement 57,062 58,025
Minimum to be Well Capitalized Under Action Provisions $ 71,328 $ 72,532
Tier 1 Leverage Capital, Ratio [Abstract]    
Actual Ratio 9.74% 9.26%
Minimum Capital Requirement 4.00% 4.00%
Minimum to be Well Capitalized Under Action Provisions 5.00% 5.00%
Common Equity Tier One Capital, Amount [Abstract]    
Actual Amount $ 138,901  
Minimum Capital Requirement 48,168  
Minimum to be Well Capitalized Under Action Provisions $ 69,576  
Common Equity Tier One Capital, Ratio [Abstract]    
Actual Ratio 12.98%  
Minimum Capital Requirement 4.50%  
Minimum to be Well Capitalized Under Action provisions 6.50%  
XML 94 R80.htm IDEA: XBRL DOCUMENT v3.3.1.900
Dividend Restrictions (Details)
$ in Millions
 12 Months Ended
Dec. 31, 2015
USD ($)
Dividend Restrictions [Abstract]  
Percentage of outstanding capital stock, maximum 50.00%
Undistributed earnings $ 3.5
Restricted investments $ 137.0
XML 95 R81.htm IDEA: XBRL DOCUMENT v3.3.1.900
Related Party Transactions (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Related party activity of loans [Abstract]      
Balance, beginning of year $ 53,808 $ 49,951  
Net Increase 4,008 3,857  
Balance, end of year 57,816 53,808 $ 49,951
Unfunded commitments 31,600 19,700  
Contribution to medical benefit plan 0 2,300 2,400
Travel expenses for chairman and other directors 0 0 49,000,000
Directors and Executive Officers [Member]      
Related party activity of loans [Abstract]      
Deposit from related party 22,700    
Champion Industries, Inc. [Member]      
Related party activity of loans [Abstract]      
Expenses from transactions with related party $ 200 $ 200 $ 500
XML 96 R82.htm IDEA: XBRL DOCUMENT v3.3.1.900
Employee Benefit Plans (Details) - USD ($)
 12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Employee Benefit Plans [Abstract]      
Deferment percentage of base salary, minimum 1.00%    
Deferment percentage of base salary, maximum 20.00%    
Employer matching contribution 6.00%    
Maximum employer matching contribution percentage 100.00%    
Contributions to savings plan $ 86,000 $ 87,000 $ 81,000
Contributions were made to the ESOP $ 0 $ 0 $ 0
Shares held under ESOP (in shares) 14,653    
XML 97 R83.htm IDEA: XBRL DOCUMENT v3.3.1.900
Other Expenses (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Other noninterest expense [Abstract]      
Legal and professional fees $ 2,019 $ 1,982 $ 2,347
Data processing 1,184 1,153 1,269
Marketing and public relations 848 700 638
Taxes - sales, capital and franchise 717 605 584
Operating supplies 414 410 487
Travel and lodging 818 566 563
Telephone 172 242 206
Amortization of core deposits 320 320 320
Donations 332 150 294
Net costs from other real estate and repossessions 493 1,374 941
Regulatory assessment 1,111 1,181 1,784
Other 3,326 3,143 3,237
Total other noninterest expense 11,754 11,826 12,670
Advertising expense $ 600 $ 400 $ 400
XML 98 R84.htm IDEA: XBRL DOCUMENT v3.3.1.900
Income Taxes (Details) - USD ($)
 12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Provision for income taxes [Abstract]      
Current $ 7,347,000 $ 4,898,000 $ 4,748,000
Deferred (384,000) 594,000 (171,000)
Total $ 6,963,000 $ 5,492,000 $ 4,577,000
Statutory federal income tax rate and the provision for income taxes [Abstract]      
Statutory tax rate 35.00% 35.00% 35.00%
Federal income taxes at statutory rate $ 7,514,000 $ 5,851,000 $ 4,803,000
Tax exempt municipal income (436,000) (284,000) (133,000)
Other (115,000) (75,000) (93,000)
Total 6,963,000 5,492,000 4,577,000
Deferred tax assets [Abstract]      
Allowance for loan losses 3,201,000 3,096,000  
Other real estate owned 127,000 148,000  
Unrealized losses on available for sale securities 445,000 0  
Other 541,000 407,000  
Gross deferred tax assets 4,314,000 3,651,000  
Deferred tax liabilities [Abstract]      
Depreciation and amortization (1,588,000) (1,779,000)  
Core deposit intangibles (441,000) (550,000)  
Unrealized gains on available for sale securities 0 (124,000)  
Other (373,000) (359,000)  
Gross deferred tax liabilities (2,402,000) (2,812,000)  
Net deferred tax assets 1,912,000 839,000  
Operating loss carryforwards 0 0  
Income tax penalties expense 0 0 0
Interest on income taxes expense 0 0 0
Income tax penalties accrued 0 0 0
Interest on income taxes accrued $ 0 $ 0 $ 0
XML 99 R85.htm IDEA: XBRL DOCUMENT v3.3.1.900
Commitments and Contingencies (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Extension period of majority of short-term borrowing 1 year  
Maximum extension period of short-term borrowing 3 years  
Commitments to Extend Credit [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Notional value $ 88,081 $ 59,675
Unfunded Commitment under Lines of Credit [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Notional value 107,581 111,247
Commercial and Standby Letters of Credit [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Notional value $ 7,486 $ 7,743
XML 100 R86.htm IDEA: XBRL DOCUMENT v3.3.1.900
Fair Value Measurements (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Assets measured on recurring basis [Abstract]    
Securities available for sale measured at fair value $ 376,369 $ 499,808
Reconciliation assets measured at fair value on a recurring basis using unobservable inputs (Level 3) [Roll Forward]    
Balance, beginning of year 8,780 5,834
Total gains or losses (realized/unrealized) [Abstract]    
Included in earnings 0 0
Included in other comprehensive income 0 0
Purchases, sales, issuances and settlements, net (1,079) 2,946
Transfers in and/or out of Level 3 0 0
Balance as of end of year 7,701 8,780
US Treasuries [Member]    
Assets measured on a nonrecurring basis [Abstract]    
Level 1 securities available for sale   6,000
Recurring Basis [Member]    
Assets measured on recurring basis [Abstract]    
Securities available for sale measured at fair value 376,369 499,808
Recurring Basis [Member] | Level 1: Quoted Prices in Active Markets For Identical Assets [Member]    
Assets measured on recurring basis [Abstract]    
Securities available for sale measured at fair value 30,501 36,504
Recurring Basis [Member] | Level 2: Significant Other Observable Inputs [Member]    
Assets measured on recurring basis [Abstract]    
Securities available for sale measured at fair value 338,167 454,524
Recurring Basis [Member] | Level 3: Significant Unobservable Inputs [Member]    
Assets measured on recurring basis [Abstract]    
Securities available for sale measured at fair value 7,701 8,780
Non-Recurring Basis [Member]    
Assets measured on a nonrecurring basis [Abstract]    
Impaired loans measured at fair value 16,694 20,862
Other real estate owned measured at fair value 1,577 2,198
Non-Recurring Basis [Member] | Level 1: Quoted Prices in Active Markets For Identical Assets [Member]    
Assets measured on a nonrecurring basis [Abstract]    
Impaired loans measured at fair value 0 0
Other real estate owned measured at fair value 0 0
Non-Recurring Basis [Member] | Level 2: Significant Other Observable Inputs [Member]    
Assets measured on a nonrecurring basis [Abstract]    
Impaired loans measured at fair value 293 5,244
Other real estate owned measured at fair value 1,104 1,847
Non-Recurring Basis [Member] | Level 3: Significant Unobservable Inputs [Member]    
Assets measured on a nonrecurring basis [Abstract]    
Impaired loans measured at fair value 16,401 15,618
Other real estate owned measured at fair value $ 473 $ 351
XML 101 R87.htm IDEA: XBRL DOCUMENT v3.3.1.900
Financial Instruments (Details) - USD ($)
$ in Thousands
Dec. 31, 2015
Dec. 31, 2014
Assets [Abstract]    
Securities available for sale measured at fair value $ 376,369 $ 499,808
Securities, held to maturity 168,148 139,688
Accrued interest receivable 6,015 6,384
Carrying Value [Member]    
Assets [Abstract]    
Cash and cash equivalents 37,272 44,575
Securities available for sale measured at fair value 376,369 499,808
Securities, held to maturity 169,752 141,795
Federal Home Loan Bank Stock 935 1,621
Loans, net 832,168 781,216
Accrued interest receivable 6,015 6,384
Liabilities [Abstract]    
Deposits 1,295,870 1,371,839
Borrowings 27,624 3,255
Junior subordinated debentures 14,597 0
Accrued interest payable 1,707 1,997
Estimated Fair Value [Member]    
Assets [Abstract]    
Cash and cash equivalents 37,272 44,575
Securities available for sale measured at fair value 376,369 499,808
Securities, held to maturity 168,148 139,688
Federal Home Loan Bank Stock 935 1,621
Loans, net 831,731 780,470
Accrued interest receivable 6,015 6,384
Liabilities [Abstract]    
Deposits 1,296,468 1,373,537
Borrowings 27,624 3,255
Junior subordinated debentures 14,597 0
Accrued interest payable $ 1,707 $ 1,997
XML 102 R88.htm IDEA: XBRL DOCUMENT v3.3.1.900
Concentrations of Credit and Other Risks (Details)
$ in Millions
 12 Months Ended
Dec. 31, 2015
USD ($)
Deposit
Concentrations of Credit and Other Risks [Abstract]  
Commercial and standby letters of credit $ 10.0
Percentage of entity deposits 43.90%
Number of deposits of depositing authorities | Deposit 1
Public fund deposits $ 568.7
XML 103 R89.htm IDEA: XBRL DOCUMENT v3.3.1.900
Condensed Parent Company Information, Condensed Balance Sheets (Details) - USD ($)
$ in Thousands
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Assets [Abstract]        
Other assets $ 9,256 $ 8,089    
Available for sale, at fair value 376,369 499,808    
Total Assets 1,459,753 1,518,876    
Liabilities and Shareholders' Equity [Abstract]        
Short-term debt 1,800 1,800 $ 5,788  
Senior long-term debt 25,824 1,455    
Junior subordinated debentures 14,597 0    
Other liabilities 1,731 2,202    
Total Liabilities 1,341,529 1,379,293    
Shareholders' Equity 118,224 139,583 $ 123,405 $ 134,181
Total Liabilities and Shareholders' Equity 1,459,753 1,518,876    
First Guaranty Bancshares, Inc. [Member]        
Assets [Abstract]        
Cash 16,862 723    
Investment in bank subsidiary 140,518 138,176    
Other assets 3,233 5,129    
Available for sale, at fair value 80 70    
Total Assets 160,693 144,098    
Liabilities and Shareholders' Equity [Abstract]        
Short-term debt 1,800 1,800    
Senior long-term debt 25,824 2,439    
Junior subordinated debentures 14,597 0    
Other liabilities 248 276    
Total Liabilities 42,469 4,515    
Shareholders' Equity 118,224 139,583    
Total Liabilities and Shareholders' Equity $ 160,693 $ 144,098    
XML 104 R90.htm IDEA: XBRL DOCUMENT v3.3.1.900
Condensed Parent Company Information, Condensed Statements of Income (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Sep. 30, 2015
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Operating Income [Abstract]        
Net gains on securities $ 2,700 $ 3,300 $ 295 $ 1,571
Operating Expenses [Abstract]        
Interest expense   8,608 9,202 11,134
Salaries & Benefits   15,496 15,840 14,368
Income Before Income Taxes   21,468 16,716 13,723
Income tax benefit (expense)   (6,963) (5,492) (4,577)
Net Income   14,505 11,224 9,146
Less preferred stock dividends   (384) (394) (713)
Income Available to Common Shareholders   14,121 10,830 8,433
First Guaranty Bancshares, Inc. [Member]        
Operating Income [Abstract]        
Dividends received from bank subsidiary   9,843 6,448 4,669
Net gains on securities   2,652 0 0
Other income   261 162 90
Total operating income   12,756 6,610 4,759
Operating Expenses [Abstract]        
Interest expense   192 130 115
Salaries & Benefits   172 140 88
Other expenses   766 464 449
Total operating expenses   1,130 734 652
Income Before Income Taxes   11,626 5,876 4,107
Income tax benefit (expense)   (605) 229 212
Income before increase in equity in undistributed earnings of subsidiary   11,021 6,105 4,319
Increase in equity in undistributed earnings of subsidiary   3,484 5,119 4,827
Net Income   14,505 11,224 9,146
Less preferred stock dividends   (384) (394) (713)
Income Available to Common Shareholders   $ 14,121 $ 10,830 $ 8,433
XML 105 R91.htm IDEA: XBRL DOCUMENT v3.3.1.900
Condensed Parent Company Information, Condensed Statements of Cash Flows (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Cash flows from operating activities [Abstract]      
Net income $ 14,505 $ 11,224 $ 9,146
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]      
Gain on sale of securities (3,300) (295) (1,571)
Net cash provided by operating activities 17,215 16,790 17,166
Cash flows from investing activities [Abstract]      
Proceeds from maturities, calls and sales of AFS securities 723,249 535,167 626,433
Funds Invested in AFS securities (650,698) (538,209) (533,320)
Net cash provided by (used in) investing activities 47,207 (94,985) (78,104)
Cash flows from financing activities [Abstract]      
Proceeds from long-term debt, net of costs 24,969 1,555 0
Repayment of long-term debt (600) (600) (600)
Proceeds from junior subordinated debentures, net of costs 14,597 0 0
Issuance of common stock, net of costs 9,344 0 0
Redemption of preferred stock (39,435) 0 0
Dividends paid (4,631) (4,421) (4,740)
Net cash (used in) provided by financing activities (71,725) 61,286 36,189
Net decrease in cash and cash equivalents (7,303) (16,909) (24,749)
Cash and cash equivalents at the beginning of the period 44,575 61,484 86,233
Cash and cash equivalents at the end of the period 37,272 44,575 61,484
First Guaranty Bancshares, Inc. [Member]      
Cash flows from operating activities [Abstract]      
Net income 14,505 11,224 9,146
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]      
Increase in equity in undistributed earnings of subsidiary (3,484) (5,119) (4,827)
Gain on sale of securities (2,652) 0 0
Net change in other liabilities (28) 55 2
Net change in other assets 396 (3,383) 161
Net cash provided by operating activities 8,737 2,777 4,482
Cash flows from investing activities [Abstract]      
Proceeds from maturities, calls and sales of AFS securities 4,152 0 0
Funds Invested in AFS securities (10) (5) 0
Net cash provided by (used in) investing activities 4,142 (5) 0
Cash flows from financing activities [Abstract]      
Proceeds from long-term debt, net of costs 24,969 2,555 0
Repayment of long-term debt (1,584) (616) (600)
Proceeds from junior subordinated debentures, net of costs 14,597 0 0
Issuance of common stock, net of costs 9,344 0 0
Redemption of preferred stock (39,435) 0 0
Dividends paid (4,631) (4,421) (4,740)
Net cash (used in) provided by financing activities 3,260 (2,482) (5,340)
Net decrease in cash and cash equivalents 16,139 290 (858)
Cash and cash equivalents at the beginning of the period 723 433 1,291
Cash and cash equivalents at the end of the period $ 16,862 $ 723 $ 433
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