t1600508-10k - none - 10.0770076s

0001571049-16-013423.txt : 20160329 0001571049-16-013423.hdr.sgml : 20160329 20160329153643 ACCESSION NUMBER: 0001571049-16-013423 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 108 CONFORMED PERIOD OF REPORT: 20151231 FILED AS OF DATE: 20160329 DATE AS OF CHANGE: 20160329 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Edgewater Bancorp, Inc. CENTRAL INDEX KEY: 0001584770 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 000000000 STATE OF INCORPORATION: MD FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-55129 FILM NUMBER: 161535341 BUSINESS ADDRESS: STREET 1: 321 MAIN STREET CITY: ST. JOSEPH STATE: MI ZIP: 49085 BUSINESS PHONE: 269-982-4175 MAIL ADDRESS: STREET 1: 321 MAIN STREET CITY: ST. JOSEPH STATE: MI ZIP: 49085 10-K 1 t1600508-10k.htm FORM 10-K t1600508-10k - none - 10.0770076s

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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-K

(Mark One)

☒

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

For the fiscal year ended December 31, 2015.

☐

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

For the transition period from to .

Commission file number: 000-55129

EDGEWATER BANCORP, INC.

(Exact name of registrant as specified in its charter)

	Maryland (State or other jurisdiction of incorporation or organization)			46-3687434 (I.R.S. Employer Identification Number)
	321 Main Street, St. Joseph, Michigan (Address of principal executive offices)			49085 (Zip Code)

Registrant’s telephone number, including area code: (296) 982-4175

Securities registered pursuant to Section 12(b) of the Act: None

Securities registered pursuant to Section 12(g) of the Act: Common Stock, $0.01 par value

Indicate by check mark if the Registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ☐ No ☒

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 (or for such shorter period that the Registrant was required to submit and post such files). Yes ☒ No ☐

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

Indicate by check mark whether the Registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, 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 ☒
	(Do not check if a 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 and non-voting common equity held by non-affiliates of the Registrant, computed by reference to the last sale price at which the common equity was last sold, as of June 30, 2015, the last business day of the most recently completed second fiscal quarter was $7,513,853.

As of March 28, 2016, there were issued and outstanding 667,898 shares of the Registrant’s Common Stock with a par value of $0.01 per share.

DOCUMENTS INCORPORATED BY REFERENCE

Portions of the Registrant’s proxy statement for the Annual Meeting of Stockholders to be held on May 10, 2016 are incorporated by reference into Part III of this Report.

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	ITEM 1. Business					1
	ITEM 1A. Risk Factors					40
	ITEM 1B. Unresolved Staff Comments					40
	ITEM 2. Properties					40
	ITEM 3. Legal Proceedings					40
	ITEM 4. Mine Safety Disclosure					40
	ITEM 5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities					41
	ITEM 6. Selected Financial Data					42
	ITEM 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations					42
	ITEM 7A. Quantitative and Qualitative Disclosures about Market Risk					54
	ITEM 8. Financial Statements and Supplementary Data					54
	ITEM 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure					54
	ITEM 9A. Controls and Procedures					55
	ITEM 10. Directors, Executive Officers and Corporate Governance					57
	ITEM 11. Executive Compensation					57
	ITEM 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters					57
	ITEM 13. Certain Relationships and Related Transactions and Director Independence					57
	ITEM 14. Principal Accountant Fees and Services					57
	ITEM 15. Exhibits and Financial Statement Schedules					58
	Edgewater Bancorp, Inc. Consolidated Financial Statements					F-1

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Forward-Looking Statements

When used in this Annual Report on Form 10-K, the words or phrases “will likely result,” “are expected to,” “will continue,” “is anticipated,” “estimate,” “project” or similar expressions are intended to identify “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements are subject to certain risks and uncertainties including changes in economic conditions in our market area, changes in policies by regulatory agencies, fluctuations in interest rates, demand for loans in the Company’s market area, and competition could cause actual results to differ materially from historical earnings and those presently anticipated or projected. We caution readers not to place undue reliance on any such forward-looking statements, which speak only as of the date made. We advise readers that the factors listed above and other factors could affect the Company’s financial performance and could cause our actual results for future periods to differ materially from any opinions or statements expressed with respect to future periods in any current statements.

We do not undertake, and specifically disclaims any obligation, to publicly release the result of any revisions which may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.

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PART I

ITEM 1. Business

Edgewater Bancorp, Inc.

Edgewater Bancorp, Inc. was incorporated as a Maryland corporation on July 11, 2013 and owns all of the outstanding shares of common stock of Edgewater Bank as a result of the conversion from mutual to stock form of Edgewater Bank on January 16, 2014. Edgewater Bancorp, Inc. has not engaged in any business to date other than owning the common stock of Edgewater Bank.

On January 16, 2014, Edgewater Bancorp, Inc. completed its initial public offering of common stock. In the offering, Edgewater Bancorp, Inc. issued a total of 667,898 shares of its common stock for an aggregate of $6,678,980 in total offering proceeds.

Our executive and administrative office is located at 321 Main Street, St. Joseph, Michigan 49085, and our telephone number at this address is (269) 982-4175. Our website address is www.edgewaterbank.com. Information on our website is not incorporated into this Annual Report and should not be considered part of this Annual Report.

Edgewater Bank

Edgewater Bank is a stock savings association that was originally organized in 1910 as a state-chartered mutual savings and loan association under the name Industrial Building and Loan. In 1938, the Bank converted to a federal charter and changed its name to Buchanan Federal Savings and Loan Association. The Bank changed its name in 1965 to LaSalle Federal Savings and Loan Association of Buchanan and in 1989 to LaSalle Federal Savings Bank. The Bank changed its name to Edgewater Bank in 2005.

Our business consists primarily of taking deposits from the general public and investing those deposits, together with funds generated from operations, in one- to four-family residential real estate, commercial and industrial, commercial real estate loans, warehouse line, and, to a lesser extent, home equity lines of credit and other consumer loans. At December 31, 2015, $45.4 million, or 42% of our total loan portfolio, was comprised of one- to four-family residential real estate loans. We also invest in securities, which consist primarily of U.S. government agency obligations and mortgage-backed securities, state and political subdivisions and to a lesser extent collateralized mortgage obligations. We offer a variety of deposit accounts, including checking accounts, NOW accounts, savings accounts, money market accounts and certificate of deposit accounts. We utilize advances from the FHLB-Indianapolis for asset/liability management purposes and, to a much lesser extent, for additional funding for our operations. At December 31, 2015, we had $8.0 million in advances outstanding with FHLB-Indianapolis.

Our executive and administrative office is located at 321 Main Street, St. Joseph, Michigan 49085, and our telephone number at this address is (269) 982-4175.

Plan of Conversion and Reorganization

On September 3, 2013, the Board of Directors of Edgewater Bank adopted a plan of conversion and reorganization (the “Plan”). The Plan provided for the reorganization of Edgewater Bank from a federally chartered mutual savings association into a federally chartered stock savings association, the formation of Edgewater Bancorp, Inc. as the stock holding company of Edgewater Bank and an offering by Edgewater Bancorp, Inc. of shares of its common stock to eligible depositors of Edgewater Bank and the public. The

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Plan was approved by the Office of the Comptroller of the Currency (the “OCC”) and the holding company application of Edgewater Bancorp, Inc. was approved by the Board of Governors of the Federal Reserve System (the “Federal Reserve”). The Plan was approved by the affirmative vote of a majority of the total votes eligible to be cast by the voting members of Edgewater Bank at a special meeting held on December 20, 2013 and the reorganization was completed on January 16, 2014.

Market Area and Competition

We conduct our operations from our main office in St. Joseph, Michigan and our four additional full-service banking offices located in Royalton Township, Coloma, Bridgman and Buchanan, Michigan. We have completed the sale of the Decatur office on January 24, 2014. Our primary market area includes Berrien County, and, to a lesser extent, Van Buren County and Cass County, Michigan, all of which are located in southwestern Michigan near the border of Indiana, and portions of northern Indiana that are contiguous with Berrien and Cass Counties. We will, on occasion, make loans secured by properties located outside of our primary market are, especially to borrowers with whom we have an existing relationship and who have a presence within our primary market area. Our primary market area includes small towns and rural communities, and St. Joseph, where our headquarters are located, is a community of upscale retirement, vacation or second homes. Our market area was historically a manufacturing and agricultural-based economy, including the world headquarters of Whirlpool Corporation and Leco Corporation. Our market area has experienced continued developments in the medical and health services and nuclear energy industries, with Lakeland Regional Health System and Indiana Michigan Power employing large numbers of people, as well as the metal fabrication and tourism industries. The economy in our market area also has a significant service component, particularly the food and beverage industries. The regional economy is fairly diversified, supported by government, professionals such as doctors, lawyers and accountants, wholesale and retail trade, manufacturing and agriculture.

We face competition within our market area both in making loans and attracting deposits. Our market area has a concentration of financial institutions that include large money center and regional banks, community banks and credit unions. We also face competition from commercial banks, savings institutions, and mortgage banking firms, consumer finance companies and credit unions and, with respect to deposits, from money market funds, brokerage firms, mutual funds and insurance companies. As of June 30, 2015, based on the most recent available FDIC data, our market share of deposits represented 7.08% of FDIC-insured deposits in Berrien County, ranking us 6th in market share of deposits. We do not have a significant market share of either deposits or residential lending in Van Buren County, Cass County or areas that we serve in northern Indiana.

Lending Activities

General. Our principal lending activity is originating one- to four-family residential real estate loans, commercial and industrial loans, commercial real estate loans, warehouse line, consumer loans (including home equity lines of credit, watercraft and automobile loans) and, to a lesser extent, residential and commercial construction loans. We sell in the secondary market a significant majority of the fixed-rate one- to four-family residential mortgage loans that we originate, generally on a servicing-retained, non-recourse basis, while retaining adjustable rate one- to four-family residential mortgages, in order to manage the maturity and time to re-price our loan portfolio. We may, at times, retain within our loan portfolio a modest amount of intermediate and longer term residential mortgage loans for asset-liability management purposes. In recent years, we have changed our strategy to focus on relationship-based banking, diversifying of our loan portfolio, increasing the yield of our loan portfolio and improving and managing our asset quality. Accordingly, subject to market conditions and our asset-liability analysis, we expect to take advantage of unique characteristics of our market area to increase our residential mortgage, commercial and industrial, and consumer loans. Our business strategy does not contemplate the origination of speculative construction and land development loans. We expect to develop a broader, more flexible array of residential, commercial and industrial and consumer loan products specifically suited to the customers and potential customers in our market area, hire additional personnel with residential, commercial and consumer lending experience and continue to improve our customer service. See “Management’s Discussion and Analysis of Financial Condition and Results of Operations — Business Strategy” for more information regarding our future plans for lending activities.

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Loan Portfolio Composition. The following table sets forth the composition of our loan portfolio, by type of loan at the dates indicated, excluding loans held for sale.

	At December 31,
	2015					2014
	Amount			Percent		Amount			Percent
Real estate loans:
Residential 1 – 4 family(1)		$	45,402,431		42.04%		$	45,353,599		50.09%
Commercial Real Estate			32,374,013		29.97			27,908,662		30.83
Construction and land development			1,975,842		1.83			1,523,281		1.68
Total real estate(2)(3)			79,752,286		73.84			74,785,542		82.60
Commercial and industrial			8,147,480		7.54			5,536,805		6.12
Warehouse line			10,000,000		9.26			—		—
Consumer loans:
Home equity loans and lines of credit			9,003,016		8.34			9,331,608		10.31
Other consumer loans			1,101,856		1.02			883,864		0.98
Total consumer			10,104,872		9.36			10,215,472		11.28
Total loans			108,004,638		100.00%			90,537,819		100.00%
Less other items:
Net deferred loan costs			(26,191)					(17,057)
Allowance for loan losses			1,075,374					1,075,351
Total loans, net		$	106,955,455				$	89,479,525

(1)

Does not include loans held for sale of $0 and $48,300 at December 31, 2015 and December 31, 2014, respectively.

(2)

At December 31, 2015, consists of $21.0 million of owner occupied properties and $8.1 million of non-owner occupied properties.

(3)

Includes $2.3 million and $4.0 million of multi-family loans at December 31, 2015 and December 31, 2014, respectively.

Loan Portfolio Maturities and Yields. The following table summarizes the scheduled repayments of our loan portfolio that are due after December 31, 2016. Maturities are based on the final contractual payment date and do not reflect the impact of prepayments and scheduled principal amortization.

	One- to Four-Family					Commercial Real Estate					Construction and Land					Commercial and Industrial
	Amount			Weighted Average Rate		Amount			Weighted Average Rate		Amount			Weighted Average Rate		Amount			Weighted Average Rate
Ending December 31,
2017		$	312,799		5.10%		$	2,913,249		5.66%		$	—		—%		$	183,338		5.58%
2018 to 2019			1,161,279		4.66			13,189,565		4.76			—		—			1,303,131		4.35
2020 to 2024			5,595,580		3.90			8,457,526		4.93			127,199		4.52			2,514,109		4.91
2025 to 2029			9,431,342		3.73			239,826		5.00			—		—			—		—
2030 and beyond			28,838,080		3.74			5,649,004		4.94			46,046		4.38			—		—
Total		$	45,339,080		3.79%		$	30,449,170		5.01%		$	173,245		4.48%		$	4,000,518		4.76%

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	Warehouse Line					Home Equity Loans and Lines of Credit					Other Consumer					Total
	Amount			Weighted Average Rate		Amount			Weighted Average Rate		Amount			Weighted Average Rate		Amount			Weighted Average Rate
Ending December 31,
2017		$	—		—%		$	737,253		3.69%		$	225,880		4.08%		$	4,372,519		5.20%
2018 to 2019			—		—			2,155,619		3.50			158,307		3.89			17,967,901		4.57
2020 to 2024			—		—			4,495,553		4.58			484,417		4.89			21,674,384		4.58
2025 to 2029			—		—			1,201,460		4.78			110,028		6.20			10,982,656		3.90
2030 and beyond			—		—			—		—			—		—			34,533,130		3.94
Total		$	—		—%		$	8,589,885		4.26%		$	978,632		4.69%		$	89,530,590		4.28%

Loan Approval Procedures and Authority. Pursuant to applicable law, the aggregate amount of loans that we are permitted to make to any one borrower or a group of related borrowers is generally limited to 15% of Edgewater Bank’s unimpaired capital and surplus (25% if the amount in excess of 15% is secured by “readily marketable collateral” or 30% for certain residential development loans). In addition, we have established an in-house limit that is less than the legal limits on loans to one borrower. At December 31, 2015, our largest credit relationship totaled $1.9 million and was secured by an owner-occupied manufacturing facility in our market area. Our second largest relationship at December 31, 2015 was a $1.7 million loan secured by an owner-occupied retail service facility in our market area. At December 31, 2015, both of these lending relationships were performing in accordance with their terms.

Our lending is subject to written underwriting standards and origination procedures. Decisions on one- to four-family residential mortgage and consumer loans are made on the basis of detailed applications developed by our lending officers. Decisions on commercial real estate and commercial and industrial loans are made on the basis of information submitted by the prospective borrower and analyzed by our lending officers. Banking regulation require that for real estate loans of $1.0 million or more, commercial real estate loans of $250,000 or more and complex residential loans of $250,000 or more, we require property appraisals prepared by an outside independent state-certified appraiser approved by our board of directors. For non-complex residential loans between $250,000 and $1.0 million, we require property appraisals prepared by an outside independent state-certified or state-licensed appraiser. Although the use of internal evaluations are permitted by banking regulations for commercial real estate loans of less than $1.0 million and other loans of less than $250,000, we require current third-party appraisals for substantially all loans that we originate. We categorize a third-party appraisal as “current” if it was prepared within 18-months of the loan application and we know of no material changes in the property or surrounding areas. The loan application and review process is designed primarily to determine the borrower’s ability to repay the requested loan, and the more significant items obtained through the application process are verified through use of credit reports and credit history, financial and cash flow information and tax returns.

Personal guarantees are generally obtained from the principals of commercial real estate and commercial and industrial loans. Although this requirement may be waived depending upon the loan-to-value ratio and the debt service ratio associated with the loan, personal guarantees are obtained on substantially all business-related loans. For commercial real estate and construction loans, we require title and hazard insurance, and appropriate flood, fire and extended coverage insurance with Edgewater Bank named in the mortgagee clause.

We use the Loan Prospector™ System for loans originated for sale to Freddie Mac and LAS for loans originated for sale to the Federal Home Loan Bank . We generally do not make residential loans that are not approved by this system (other than loans above the Freddie Mac or Federal Home Loan Bank lending limit for conforming loans, which we refer to as “jumbo” loans), but we review all non-approved residential loans and will extend credit in certain circumstances upon approval by our loan committee, which consists of our President and Chief Executive Officer, our Chief Financial Officer, our Senior Lender, our Senior Retail Officer, our Assistant Vice President of Risk Management, and all other commercial lending officers.

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Approval of the loan committee requires the vote of a majority of the members. Our President and Chief Executive Officer may veto approval any loan approved by the loan committee. Our board of directors may approve loans above those amounts, and may approve loans in excess of our in-house lending limit (up to our legal lending limits). Approval of the board of directors requires the vote of four of the six directors.

Fixed and Adjustable-Rate Loan Schedule. The following table sets forth our fixed- and adjustable-rate loans at December 31, 2015 that are contractually due after December 31, 2016.

	Due After December 31, 2016
	Fixed			Adjustable			Total
	(Dollars in thousands)
Real estate loans:
One- to four-family residential		$	20,023		$	25,316		$	45,339
Commercial			20,299			10,150			30,449
Construction and land			173			—			173
Total real estate			40,495			35,466			75,961
Commercial and industrial			3,537			464			4,001
Warehouse line			—			—			—
Consumer loans:
Home equity loans and lines of credit			708			7,882			8,590
Other consumer			788			190			978
Total consumer			1,496			8,072			9,568
Total loans		$	45,528		$	44,002		$	89,530

One- to Four-Family Residential Real Estate Lending. The focus of our lending program has historically been the origination of one- to four-family residential real estate loans. At December 31, 2015, we had $45.4 million of loans secured by one- to four-family real estate, representing 42.0% of our total loan portfolio. In addition, at December 31, 2015, we had zero residential mortgages held for sale. We originate fixed-rate residential mortgage loans, and we also offer adjustable-rate residential mortgage loans and home equity loans. At December 31, 2015, the one- to four-family residential mortgage loans held in our portfolio were comprised of 44.2% fixed-rate loans, and 55.8% adjustable-rate loans.

We sell the majority of the one- to four-family residential mortgage loans that we originate. During the years ended December 31, 2015 and December 31, 2014, we sold $14.7 million and $6.9 million, respectively, of residential mortgage loans for gains on sale of approximately $279,000 and $141,000, respectively. Almost all of these loans were sold on a servicing-retained basis. At December 31, 2015 and December 31, 2014, our servicing portfolio was $77.2 million and $73.6 million, respectively, all of which related to loans that we had originated. Servicing fees were approximately $131,000 and $60,000, respectively, during the years ended December 31, 2015 and December 31, 2014. See “— Loan Originations, Participations, Purchases and Sales of Loans.”

Our fixed-rate one- to four-family residential real estate loans are generally underwritten according to Freddie Mac and Federal Home Loan Bank guidelines, and we refer to loans that conform to such guidelines as “conforming loans.” We generally originate both fixed- and adjustable-rate mortgage loans in amounts up to the maximum conforming loan limits as established by the Federal Housing Finance Agency for Freddie Mac, which as of December 31, 2015 was generally $417,000 for single-family homes in our market area. We also originate jumbo loans, which we generally retain in our portfolio, although we may develop a secondary market program with a private purchaser for certain of these jumbo loans. At December 31, 2015, we had $7.6 million of jumbo loans. We currently have a program in place with a third party that allows us to refer FHA and VA loans to them for underwriting and servicing.

At December 31, 2015, almost all of our one- to four-family residential loans that we hold in our portfolio and our home equity loans and lines of credit were secured by properties located in our market

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area. In addition, almost all of the residential mortgage loans that we originate for sale are secured by properties located in our market area.

We generally limit the loan-to-value ratios of our one- to four-family residential mortgage loans to 80% of the purchase price or appraised value, whichever is lower. In addition, we may make one- to four-family residential mortgage loans with loan-to-value ratios between 80% and 95% of the purchase price or appraised value, whichever is less, where the borrower obtains private mortgage insurance.

Our one- to four-family residential real estate loans typically have terms of 10 to 30 years. Our adjustable-rate one- to four-family residential real estate loans generally have fixed rates for initial terms of five, seven or ten years and adjust annually thereafter at a margin. In recent years, this margin has been 275 basis points over the weekly average yield on U.S. treasury securities adjusted to a constant maturity of one year. The margin will be increased from 275 basis points to 300 basis points for new loan approvals. The maximum amount by which the interest rate may be increased or decreased is generally 2.00% per adjustment period and the lifetime interest rate cap is generally 6.00% over the initial interest rate of the loan.

Although adjustable-rate mortgage loans may reduce to an extent our vulnerability to changes in market interest rates because they periodically re-price (as interest rates increase the required payments due from the borrower also increase subject to rate caps), increasing the potential for default by the borrower. At the same time, the ability of the borrower to repay the loan and the marketability of the underlying collateral may be adversely affected by higher interest rates. Upward adjustments of the contractual interest rate are also limited by the maximum periodic and lifetime rate adjustments permitted by our loan documents. Moreover, the interest rates on most of our adjustable-rate loans do not adjust for up to ten years after origination. As a result, the effectiveness of adjustable-rate mortgage loans in compensating for changes in general interest rates may be limited during periods of rapidly rising interest rates.

We also originate home equity lines of credit and fixed-term home equity loans. See “— Consumer Lending.”

We do not offer “interest only” mortgage loans on permanent one- to four-family residential real estate loans (where the borrower pays interest for an initial period, after which the loan converts to a fully amortizing loan). We also do not offer loans that provide for negative amortization of principal, such as “Option ARM” loans, where the borrower can pay less than the interest owed on the loan, resulting in an increased principal balance during the life of the loan. We do not offer “subprime loans” on one-to four- family residential real estate loans (i.e., loans that generally target borrowers with weakened credit histories typically characterized by payment delinquencies, previous charge-offs, judgments, bankruptcies, or borrowers with questionable repayment capacity as evidenced by low credit scores or high debt-burden ratios), or “Alt-A” loans (i.e., loans that generally target borrowers with better credit scores who borrow with alternative documentation such as little or no verification of income).

Commercial Real Estate Lending. We have historically focused our non-residential lending activities on commercial real estate. However, we have revised our strategy to diversify our loan portfolio and increase our yield while improving asset quality, and we believe a key to successful implementation of this strategy is to reduce our reliance on commercial real estate lending by managing the run-off of loans that do not match our current strategy, while continuing to originate commercial real estate loans on a selective basis. In the future, we will focus on originating loans up to our in-house lending limit, where the property is located in our market area and where we have a strong existing relationship with the borrower. We will be more selective in our approval process based on the size of the loans and our overall relationship with the borrower. At December 31, 2015, we had $32.4 million in commercial real estate loans, representing 30.0% of our total loan portfolio.

Our commercial real estate loans are either fixed or adjustable rate based on the prime rate as set forth in the Wall Street Journal. Our commercial real estate loans generally have initial terms of not more than five years and amortization terms of not more than 20 years, with a balloon payment at the end of the initial term. The maximum loan-to-value ratio of our commercial real estate loans is generally 80% of the lower of the purchase price or appraised value of the property securing the loan, regardless of whether the property is owner-occupied or not. Our commercial real estate loans are typically secured by retail, industrial, warehouse, service, medical or other commercial properties, or apartment buildings.

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Set forth below is information regarding our commercial real estate loans at December 31, 2015.

Industry Type	Number of Loans		Balance
			(Dollars in thousands)
Real estate development(1)		25		$	9,134
Storage unit rental		7			1,702
Health care and social		7			1,600
Retail trade		9			1,446
Accommodation and food		8			2,546
Funeral homes		2			841
Legal services		2			603
Other services		21			5,285
Manufacturing		11			6,198
Recreational		4			1,986
Agriculture		3			1,024
Other miscellaneous		1			9
		100		$	32,374

(1)

These loans are primarily loans secured by multi-tenant properties.

At December 31, 2015, the average loan balance of our outstanding commercial real estate loans was $330,000, and the largest of such loans was a $2.5 million loan secured by a manufacturing facility that has an SBA guarantee in our market area. This loan was performing in accordance with its original repayment terms at December 31, 2015.

We consider a number of factors in originating commercial real estate loans. We evaluate the qualifications and financial condition of the borrower, including project-level and global cash flows, credit history, and management expertise, as well as the value and condition of the property securing the loan. When evaluating the qualifications of the borrower, we consider the value of the property, 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 ratio of the loan amount to the appraised value of the mortgaged property and the debt service coverage ratio (the ratio of net operating income to debt service). We generally require a debt service ratio of at least 1.25 times.

Commercial real estate loans entail greater credit risks compared to one- to four-family residential real estate loans because they typically involve larger loan balances concentrated with single borrowers or groups of related borrowers. In addition, the payment of loans secured by income-producing properties typically depends on the successful operation of the property, as repayment of the loan generally is dependent, in large part, on sufficient income from the property to cover operating expenses and debt service. Changes in economic conditions that are not in the control of the borrower or lender could affect the value of the collateral for the loan or the future cash flow of the property. Additionally, any decline in real estate values may be more pronounced for commercial real estate than residential properties. If we foreclose on a commercial real estate loan, our holding period for the collateral is typically longer than for one- to four-family residential real estate loans because there are fewer potential purchasers of the collateral. Further, our commercial real estate loans generally have relatively large balances to single borrowers or related groups of borrowers. Accordingly, if any of our judgments regarding the collectability of our commercial real estate loans prove incorrect, the resulting charge-offs may be larger on a per loan basis than those incurred with respect to one- to four-family residential loans.

Commercial and Industrial Lending. At December 31, 2015, we had $8.1 million of commercial and industrial loans, representing 7.5% of our total loan portfolio. Because we believe that expanding our organic origination of commercial and industrial loans is essential to our profitability, we intend to increase

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our commercial and industrial lending by targeting businesses with between $1.0 million and $15.0 million in revenues operating in our market area, including medical, legal, accounting and other professional practices as well as traditional commercial businesses, with loan products designed to meet the needs of professional and rural development borrowers.

We offer short-term commercial and industrial loans with terms of one year or less and long-term commercial and industrial loans with terms of up to five years (up to 10 years when guaranteed by a federal government agency or when a secondary market for the loan exists). Commercial and industrial loans are generally secured by equipment, furniture and fixtures, inventory, accounts receivable or other business assets. The maturity of commercial and industrial loans secured by purchased equipment is fixed to correspond to 80% of the useful life of the equipment or five years, whichever is less. We endeavor not to accept as collateral highly specialized or customer-made equipment that may be difficult to dispose of in foreclosure. In very limited circumstances where the borrower’s financial condition warrants, short-term commercial loans may be unsecured. The interest rates on these loans are commensurate with the term and value of the collateral securing the loans. We also offer revolving lines of credit to finance short-term working capital needs such as accounts payable and inventory. These lines of credit are in amounts proportionate to the borrower’s working capital position, are generally predicated on an advance formula based on the stated collateral, and typically require an annual full payoff. Our commercial lines of credit are generally priced on a floating rate basis utilizing an index rate such as the Wall Street Journal prime rate, and may be secured or, in very limited circumstances, unsecured. We generally obtain personal guarantees with respect to all commercial and industrial loans and lines of credit.

We also offer commercial and industrial loans utilizing the SBA’s 504 Loan Program, although we did not have any of these loans outstanding at December 31, 2015. The structure of loans provided under the SBA 504 Program reduces our credit risk and improves our collateral position. We also offer the SBA’s 7a Loan Program. Under the 7a Program, our credit risk is reduced as a result of a loan guaranty from the SBA, generally at 75% of the total loan amount. In addition, the guaranteed portion of the credit can be sold in the secondary market generating significant fee income opportunities. Because we face recourse liability on these loans if they do not meet all SBA requirements, we enhance the underwriting, servicing, and review processes on these loans. During the year ended December 31, 2015, we originated $2.6 million in SBA loans under the 7a Program. We will continue to increasing our origination of SBA loans as part of our lending strategy.

We typically originate commercial and industrial loans on the basis of the borrower’s ability to make repayment from the cash flow of the borrower’s business, the experience and stability of the borrower’s management team, earnings projections and the underlying assumptions, and the value and marketability of any collateral securing the loan. As a result, the availability of funds for the repayment of commercial and industrial loans may be substantially dependent on the success of the business itself and the general economic environment in our market area. Therefore, commercial and industrial loans that we originate have greater credit risk than one- to four-family residential real estate loans or, generally, consumer loans. In addition, commercial and industrial loans often result in larger outstanding balances to single borrowers, or related groups of borrowers, and also generally require substantially greater evaluation and oversight efforts.

Set forth below is information regarding our commercial and industrial loans at December 31, 2015.

Industry Type	Number of Loans		Balance
			(Dollars in thousands)
Real estate(1)		3		$	333
Storage unit rental		5			94
Health care and social		4			51
Retail trade		7			600
Accommodation and food		1			48
Other services		30			2,831
Manufacturing		20			3,118
Municipality		3			672
Other miscellaneous		5			400
		78		$	8,147

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(1)

Consists of working lines of credit to owners of rental properties that are not secured by real estate.

At December 31, 2015, the average loan balance of our outstanding commercial and industrial term loans was $90,000, and the largest outstanding balance was a $484,000 loan secured by all of the business assets, including equipment and accounts receivable, of a local development office in our market area. This loan was performing in accordance with its original repayment terms at December 31, 2015.

We believe that commercial and industrial loans will provide growth opportunities for us, and we expect to increase this business line in the future in order to develop banking relationships with depositors and related mortgage lending customers.

Our commercial and industrial loans are originated primarily based on the identified cash flow of the borrower and secondarily on the underlying collateral provided by the borrower. Most often, this collateral consists of equipment, inventory or accounts receivable. Credit support provided by the borrower for most of these loans and the probability of repayment is based on the liquidation of the pledged collateral and enforcement of a personal guarantee, if any. As a result, in the case of loans secured by accounts receivable, the availability of funds for the repayment of these loans may be substantially dependent on the ability of the borrower to collect amounts due from its customers. The collateral securing other loans may depreciate over time, may be difficult to appraise and may fluctuate in value, and the cash flows of the borrower may fluctuate based on the success of the business.

Warehouse Line. At December 31, 2015, we had $10.0 million in residential loans funded representing 9.3% of the total loan portfolio. This line is a wholesale mortgage line participation. The lending is done between a specific mortgage company that is a customer with the participating bank. The participating bank underwrites each individual mortgage and the related mortgagee. Financing is provided to an approved mortgage company for the origination and sale of residential mortgage loans.

A portion of each individual mortgage is assigned to the Edgewater Bank until the loans is sold on the secondary market. Edgewater Bank has established several controls to minimize potential risks including reviewing documents provided on the approved mortgage warehouse participants.

We review specific documentation provided on each loan that we are asked to fund. At that time, we can choose to accept or deny the loans. These loans are typically sold within 30 days and are seldom held more than 90 days. Interest income is accrued during this period and collected at the time each loan is sold.

Consumer Lending. At December 31, 2015, we had $10.1 million, or 9.4% of our loan portfolio, in consumer loans, including $9.0 million in home equity loans and lines of credit and $1.1 million in other consumer loans.

Our home equity lines of credit and fixed-term equity loans are secured by residential property, are fixed or variable rate, and are approved with a maximum maturity of 10 years. Home equity lines of credit and fixed-term equity loans are generally originated in accordance with the same standards as one- to four-family residential mortgage loans. We extend home equity lines of credit and fixed-term equity loans on owner-occupied property regardless of whether we hold the first mortgage, and on investment properties only if we hold the first mortgage. We do not extend home equity lines of credit unless the combined loan-to-value ratio of the first mortgage and the home equity line of credit or fixed-term equity loan is less than 70%, or less than 80% if we hold the first mortgage. If we hold the first mortgage and the borrower’s credit score is above 740, we will extend credit up to a combined 90% loan-to-value ratio.

Home equity lines of credit and fixed-term equity loans have greater risk than one- to four-family residential real estate loans secured by first mortgages. Our interest is generally subordinated to the interest of the institution holding the first mortgage. Even where we hold the first mortgage, we face the risk that the value of the collateral may not be sufficient to compensate us for the amount of the unpaid loan and costs of foreclosure and we may be unsuccessful in recovering the remaining balance from those customers. Particularly with respect to our home equity lines of credit and fixed-term equity loans, decreases in real estate values could adversely affect the value of property used as collateral.

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At December 31, 2015, we had $8.3 million, or 7.7% of our loan portfolio, in home equity lines of credit and $703,000, or 0.7% of our loan portfolio, in fixed-term equity loans. We also had an additional $7.7 million in unused commitments on home equity lines of credit. The largest outstanding balance of any home equity line of credit was $354,000 and the largest outstanding balance of any fixed-term equity loan was $53,000. These loans were performing in accordance with their original repayment terms at December 31, 2015.

Consumer loans other than home equity lines of credit and fixed-term equity loans have either a variable or fixed-rate of interest for a term of up to six years, depending on the type of collateral and the creditworthiness of the borrower. Our consumer loans may be secured by deposits, automobiles, boats, motorcycles, snowmobiles or recreational vehicles. Consumer loans are generally limited to 100% of the purchase price (excluding sales tax) with respect to new vehicles, and 100% of NADA retail value or cost, whichever is less, with respect to used vehicles, and loans of up to $5,000 may be unsecured depending on the creditworthiness of the borrower.

Consumer loans generally have shorter terms to maturity, which reduces our exposure to changes in interest rates. In addition, management believes that offering consumer loan products helps to expand and create stronger ties to our existing customer base by increasing the number of customer relationships and providing cross-marketing opportunities.

Consumer loans generally have greater credit risk compared to longer-term loans secured by improved, owner-occupied real estate, particularly unsecured loans and consumer loans that are secured by rapidly depreciable assets, such as automobiles. In these cases, any repossessed collateral for a defaulted loan may not provide an adequate source of repayment of the outstanding loan balance. As a result, consumer loan collections are dependent on the borrower’s continuing financial stability and thus are more likely to be adversely affected by job loss, divorce, illness or personal bankruptcy.

Construction and Land Lending. At December 31, 2015, we had $2.0 million, or 1.8% of our total loan portfolio, in construction and land loans. Of these, $1.5 million were loans for the construction by individuals of their primary residences, $364,000 were loans where raw land serves as collateral other than for construction and development purposes (including one loan in the amount of approximately $224,000 secured by a parcel of land utilized by an RV dealer as an outdoor showroom), and $133,000 were construction and land development loans. At December 31, 2015, our largest construction and land loan was a $700,000 loan secured by a primary residence located in our market area. This loan was performing in accordance with its original repayment terms at December 31, 2015.

Our residential construction loans generally have initial terms of 12 months (subject to extension), during which the borrower pays interest only. Upon completion of construction, these loans convert to conventional amortizing mortgage loans. We do not extend credit if construction has already commenced, except in unique circumstances and upon the approval of the President and Chief Executive Officer or the loan committee and if title insurance is obtained. Our residential construction loans have rates and terms comparable to one- to four-family residential real estate loans that we originate. The maximum loan-to-value ratio of our residential construction loans is generally 80% of the lesser of the appraised value of the completed property, which may be up to 100% of the cost to build if the land is owned by borrower free and clear, or the total cost of the construction project. Residential construction loans are generally underwritten pursuant to the same guidelines used for originating permanent residential mortgage loans.

Our commercial construction loans generally have terms consistent with the duration of the construction process, with a maximum of 18 months, during which the borrower pays interest only. The borrower must have a commitment for permanent financing at the conclusion of the construction loan, preferably with Edgewater Bank. Our commercial construction loans have rates and terms comparable to commercial real estate loans that we originate. The maximum loan-to-value of our commercial construction loans is 80% of the lesser of the appraised value of the completed property or the confirmed purchase price for the land plus the value of the improvements. Commercial construction loans are generally underwritten pursuant to the same guidelines used for originating permanent commercial real estate loans.

All construction loans require the borrower to engage a licensed contractor and for the contractor to provide a complete construction budget and timeline, plus a statement of planned sub-contractors and estimated payments to each. The borrower must obtain title insurance. Construction advances are approved

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through the title insurance company and require appropriate lien waivers from the contractor and sub-contractors. For each draw request, an inspection of the construction is required prior to disbursement of loan proceeds.

We make raw land loans on a limited basis. These loans have terms of not more than five years with amortization periods of not more than 15 years. The maximum loan-to-value of these loans is 65% of the lesser of the appraised value or the purchase price of the property. We will also originate land loans secured by building lots. Lot loans may be approved on a short-term interest-only basis if the borrower plans to pay-off the loan through construction financing or other means within 12 months and the borrower qualifies for such financing. If the lot loan is not short-term in nature, it will be structured on fully amortizing basis, with the borrower obligated to pay principal and interest.

Construction and land lending generally involves greater credit risk than long-term financing on improved, owner-occupied real estate. Risk of loss on a construction or loan depends largely upon the accuracy of the initial estimate of the value of the property at completion of construction compared to the estimated cost (including interest) of construction and other assumptions. If the estimate of construction cost is inaccurate, we may be required to advance additional funds beyond the amount originally committed in order to protect the value of the property. Moreover, if the estimated value of the completed project is inaccurate, the borrower may hold a property with a value that is insufficient to assure full repayment of the construction loan upon the sale of the property. Construction and land loans also expose us to the risk that improvements will not be completed on time in accordance with specifications and projected costs. In addition, the ultimate sale or rental of the property may not occur as anticipated. Land loans pose additional risk because the property generally does not produce income and may be relatively illiquid.

Loan Originations, Participations, Purchases and Sales. We originate real estate and other loans through employee marketing and advertising efforts, our existing customer base, walk-in customers and referrals from customers. All loans that we originate are underwritten pursuant to our policies and procedures.

We sell a majority of the conventional one- to four-family residential mortgage loans that we originate into the secondary market. In recent years, we have sold most of the fixed-rate, one- to four-family residential real estate loans that we originated for sale to Freddie Mac and Federal Home Loan Bank of Indianapolis on a servicing-retained basis. We originate a limited number of residential mortgage loans for sale on a servicing-released basis based on the circumstances of the borrower and with specific loan approval. Otherwise we consider the secondary market conditions and our asset and liability management and liquidity demands and interest rate risk analysis on an ongoing basis in making decisions as to whether to hold the mortgage loans we originate for investment or to sell such loans to investors, choosing the strategy that is most advantageous to us from a profitability and risk management standpoint. For the years ended December 31, 2015 and December 31, 2014, we sold $14.7 million and $6.9 million of mortgage loans, respectively. All of the mortgage loans were sold on a servicing-retained basis. At December 31, 2015, we serviced $77.2 million of fixed-rate, one- to four-family residential real estate loans that we originated and sold in the secondary market.

From time to time, we may purchase loan participations secured by properties within and outside of our primary lending market area in which we are not the lead lender, but where we are familiar with the lead lender and its underwriting standards, lending staff and credit risk tolerance. In these circumstances, we follow our customary loan underwriting and approval policies, and do not rely solely on the underwriting processes of the lead lender. We do not currently have any purchased loan participations, but we intend to review a limited number of participation opportunities in the future.

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The following table shows our loan origination, purchases, sales and repayment activities for the years indicated.

	Years Ended December 31,
	2015			2014
	(Dollars in thousands)
Total loans, including loans held for sale, at beginning of period		$	90,586		$	87,596
Loans originated:
Real estate loans:
One- to four-family residential			16,352			15,317
Commercial real estate			9,502			10,291
Construction and land			3,865			—
Total real estate			29,719			25,608
Commercial and industrial			5,007			2,323
Consumer loans:
Home equity loans and lines of credit			1,942			1,226
Other consumer			715			926
Total consumer			2,657			2,152
Total loans			37,383			30,083
Loans Purchased			—			—
Loans sold:
Real estate loans:
One- to four-family residential			(14,702)			(6,888)
Commercial real estate			—			—
Construction and land			—			—
Total real estate			(14,702)			(6,888)
Commercial and industrial			—			—
Consumer loans:
Home equity loans and lines of credit			—			—
Other consumer			—			—
Total consumer			—			—
Total loans			(14,702)			(6,888)
Principal repayments			(5,262)			(20,205)
Net loan activity			17,419			2,990
Total loans, including loans held for sale, at end of period		$	108,005		$	90,586

Delinquencies, Classified Assets and Non-Performing Assets

Delinquency Procedures. When a borrower fails to make a required monthly payment on a residential real estate loan, the loan officer reports the delinquency to the loan committee, which then determines whether responsibility for the loan will remain with the loan officer or transferred to the appropriate collections or risk management personnel. Our policies provide that a late notice be sent when a loan is 15 days past due, and a second late notice be sent when a loan is 30 days past due. In addition, we may call the borrower when the loan is 15 days past due, and we attempt to cooperate with the borrower to determine the reason for nonpayment and to work with the borrower to establish a repayment schedule that will cure the delinquency. Once the loan is considered in default, generally at 90 days past due, a certified letter is generally sent to the borrower explaining that the entire balance of the loan is due and payable, the loan is placed on non-accrual status, and additional efforts are made to contact the borrower. If the borrower does not respond, we generally initiate foreclosure proceedings when the loan is 150 to 180 days past due. If the

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loan is reinstated, foreclosure proceedings will be discontinued and the borrower will be permitted to continue to make payments. In certain instances, we may modify the loan or grant a limited exemption from loan payments to allow the borrower to reorganize his or her financial affairs.

When we foreclose on real estate located in the state of Michigan and have acquired the sheriff’s deed on the property through the foreclosure process, the loan is classified as “in redemption” pursuant to Michigan law for a period of up to one year during which time the borrower is able to redeem the subject property. As a result, during this period, the borrower is permitted to occupy the property, and we are not permitted to dispose of the property, although we classify the property as real estate owned. The real estate is recorded at estimated fair value at the date of acquisition less estimated costs to sell, and any write-down resulting from the acquisition is charged to the allowance for loan losses. Estimated fair value is based on a new appraisal which is obtained as soon as practicable. Subsequent decreases in the value of the property are charged to operations. After acquisition, and potentially during the redemption period, all costs incurred in maintaining the property are expensed. Costs relating to the development and improvement of the property, however, are capitalized to the extent of estimated fair value less estimated costs to sell. We generally attempt to sell real estate owned as soon as possible after foreclosure. Foreclosure laws vary depending on the state in which the property is located, so our foreclosure process may vary as a result. For example, there is no redemption period in the state of Indiana, so we become the owner of foreclosed property upon acquisition of the sheriff’s deed. The majority of our mortgage loans are secured by property located in the state of Michigan.

Delinquent commercial and industrial, commercial real estate, construction and consumer loans are handled in a similar fashion. Our procedures for repossession and sale of consumer collateral are subject to various requirements under applicable laws, including consumer protection laws. In addition, we may determine that foreclosure and sale of such collateral would not be cost-effective for us.

Troubled Debt Restructurings. We occasionally modify loans to extend the term or make other concessions to help a borrower stay current on his or her loan and to avoid foreclosure. We consider modifications only after analyzing the borrower’s current repayment capacity, evaluating the strength of any guarantors based on documented current financial information, and assessing the current value of any collateral pledged. We generally do not forgive principal or interest on loans, but may do so if it is in our best interest and increases the likelihood that we can collect the remaining principal balance. We may modify the terms of loans to lower interest rates (which may be at below market rates), to provide for fixed interest rates on loans where fixed rates are otherwise not available, to provide for longer amortization schedules (up to 40 years), or to provide for interest-only terms. These modifications are made only when there is a reasonable and attainable workout plan that has been agreed to by the borrower and that is in our best interests. We generally limit the terms of workout plans to 24 months and the amortization periods of workout plans to 30 years for residential real estate loans, 15 years for commercial real estate loans and 5 years for other secured loans.

At December 31, 2015, we had 12 loans totaling $1.3 million that were classified as troubled debt restructuring. Of these, 2 loans totaling $140,000 were included in our non-accrual loans at such date because they were either not performing in accordance with their modified terms or had been performing in accordance with their modified terms for less than six months since the date of restructuring.

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Delinquent Loans. The following table sets forth our loan delinquencies, including non-accrual loans, by type and amount at the dates indicated.

	Loans Delinquent For
	30 – 59 Days					60 – 89 Days					90 Days and Over					Total
	Number		Amount			Number		Amount			Number		Amount			Number		Amount
	(Dollars in thousands)
At December 31, 2015
Real estate loans:
One- to four-family residential		14		$	1,125		4		$	312		10		$	555		28		$	1,992
Commercial real estate		1			10		—			—		—			—		1			10
Construction and land		—			—		1			23		2			10		3			33
Total real estate		15			1,135		5			335		12			565		32			2,035
Commercial and industrial		1			99		—			—		—			—		1			99
Warehouse Line		—			—		—			—		—			—		—			—
Consumer loans:
Home equity loans and lines of credit		3			72		3			10		1			8		7			90
Other consumer		—			—		1			3		—			—		1			3
Total consumer		3			72		4			13		1			8		8			93
Total loans		19		$	1,306		9		$	348		13		$	573		41		$	2,227
At December 31, 2014
Real estate loans:
One- to four-family residential		14		$	1,148		5		$	558		11		$	735		30		$	2,441
Commercial real estate		1			12		—			—		—			—		1			12
Construction and land		1			28		—			—		2			22		3			50
Total real estate		16			1,188		5			558		13			757		34			2,503
Commercial and industrial		—			—		—			—		—			—		—			—
Consumer loans:
Home equity loans and lines of credit		6			54		2			25		1			10		9			89
Other consumer		—			—		1			6		—			—		1			6
Total consumer		6			54		3			31		1			10		10			95
Total loans		22		$	1,242		8		$	589		14		$	767		44		$	2,598

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 “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. At December 31, 2015, we had $1.6 million of loans designated as “special mention”.

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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 regularly review the problem loans in our 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 each loan on our watch list on a quarterly basis with the directors’ loan committee and then with the full board of directors. 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.”

The following table sets forth our amounts of classified assets as of the dates indicated. Amounts shown at December 31, 2015 and December 31, 2014 include approximately $573,000 and $1.6 million of nonperforming loans, respectively. The related specific valuation allowance in the allowance for loan losses for such nonperforming loans was $14,643 and $17,502 at December 31, 2015 and December 31, 2014, respectively.

	At December 31, 2015			At December 31, 2014
	(Dollars in thousands)
Classified assets:
Substandard loans(1)		$	1,356		$	2,887
Doubtful loans			—			—
Loss loans			—			—
Real estate owned and other			—			—
Real estate owned and other repossessed assets			262			467
Total classified assets		$	1,618		$	3,354

(1)

Includes non-accruing loans that are more than 90 days past due.

The decrease in classified assets to $1.6 million at December 31, 2015 from $3.4 million at December 31, 2014 is the continuation of a trend of declining classified assets that began in 2009. This decrease was primarily due to the enhanced review of our nonperforming assets, which resulted in significant charge-offs and losses on sales of real estate owned. Management believes it has resolved the majority of our problem assets, particularly the speculative construction and land development loans originated prior to 2009, but continues to closely monitor and aggressively manage these classified loans. Our level of classified assets and expenses continues to decline as these loans are resolved. It is our experience that a significant number of classified non-owner occupied commercial real estate that were originated prior to 2009 historically have become non-performing loans.

Non-Performing Assets. Non-performing assets decreased to $1.6 million, or 1.2% of total assets, at December 31, 2015 from $3.4 million, or 2.8% of total assets, at December 31, 2014. Nonperforming loans were $1.4 million at December 31, 2015 and $2.9 million from December 31, 2014. The largest decline was in commercial real estate which decreased $720,000 from December 31, 2014. Residential 1-4 family

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mortgages decreased $577,000 over December 31, 2014. Real estate owned was $262,000 on December 31, 2015 and $467,000 on December 31, 2014, declining $205,000. This was a result of the sale of one commercial real estate property totaling $190,000 and two residential lots totaling $10,000. As of December 31, 2015, commercial real estate loans totaled $211,000, or 13.3% of our non-performing assets. At December 31, 2015, one-to-four family residential mortgage loans totaled $1.2 million or 93.5% of nonperforming loans a decrease of $577,000 from December 31, 2014. One-to-four family residential mortgage loans were 78.8% of nonperforming assets at December 31, 2015.

We generally cease accruing interest on our loans when contractual payments of principal or interest have become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan is currently performing. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. When a loan is placed on nonaccrual status, unpaid interest credited to income is reversed. Interest received on nonaccrual loans is applied against principal. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time and the ultimate collectability of the total contractual principal and interest is no longer in doubt. Troubled debt restructurings are loans that have renegotiated loan terms to assist borrowers who are unable to meet the original terms of their loans, with modifications to loan terms including a lower interest rate, a reduction in principal, or a longer term to maturity. Troubled debt restructurings are restored to accrual status when the obligation is brought current, has performed in accordance with the revised contractual terms for six months and the ultimate collectability of the total contractual principal and interest is deemed probable.

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The following table sets forth information regarding our non-performing assets and troubled debt restructurings at the dates indicated. The information reflects net charge-offs but not specific allowances for loan losses. Troubled debt restructurings are loans where the borrower is experiencing financial difficulty and for which either a portion of interest or principal has been forgiven or an extension of term granted, or the terms of which have been modified to reflect interest rates materially less than current market rates.

	At December 31, 2015			At December 31, 2014
	(Dollars in thousands)
Non-accrual loans:
Real estate loans:
One- to four-family residential		$	1,234		$	1,811
Commercial real estate			9			729
Construction and land			33			207
Total real estate			1,276			2,747
Commercial and industrial			—			—
Consumer loans:
Home equity loans and lines of credit			44			151
Other consumer			—			—
Total consumer			44			151
Total loans			1,320			2,898
Loans 90 days or more past due and still accruing:
Real estate loans:
One- to four-family residential			—			—
Commercial real estate			—			—
Construction and land			—			—
Total real estate			—			—
Commercial and industrial			—			—
Consumer loans:
Home equity loans and lines of credit			—			—
Other consumer			—			—
Total consumer			—			—
Total loans			—			—
Total non-performing loans			1,320			2,898
Real estate owned and other repossessed assets:
Real estate loans:
One- to four-family residential			—			—
Commercial real estate			202			397
Construction and land			60			70
Total real estate			262			467
Commercial and industrial			—			—
Consumer loans:
Home equity loans and lines of credit			—			—
Other consumer			—			—
Total consumer			—			—
Total real estate owned before loans in redemption			262			467
Loans in redemption(1)			—			—
Total real estate owned and other repossessed assets			262			467
Total non-performing assets		$	1,582		$	3,365

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	At December 31, 2015			At December 31, 2014
	(Dollars in thousands)
Troubled debt restructurings:
Real estate loans:
One- to four-family residential		$	957		$	916
Commercial real estate			273			286
Construction and land			—			134
Total real estate			1,230			1,336
Commercial and industrial			—			—
Consumer loans:
Home equity loans and lines of credit			79			2
Other consumer			—			—
Total consumer			79			2
Total loans		$	1,309		$	1,338
Total non-performing loans and troubled debt restructurings		$	2,629		$	4,236
Ratios:
Non-performing loans to total loans			1.22%			3.20%
Non-performing assets to total assets			1.17%			2.75%
Non-performing assets and troubled debt restructurings to total assets			1.94%			3.46%

(1)

Represents real estate that is subject to the redemption period under Michigan law.

Interest income that would have been recorded for the years ended December 31, 2015 and December 31, 2014, had non-accruing loans been current according to their original terms amounted to $16,000 and $23,000, respectively. No interest related to these loans was included in interest income for the years ended December 31, 2015 and December 31, 2014.

Non-performing one- to four-family residential real estate loans totaled $1.2 million at December 31, 2015 and consisted of 19 loans, the largest of which totaled $222,000. Non-performing commercial real estate loans totaled $9,000 at December 31, 2015 and consisted of one loan relationships. There were no nonperforming commercial and industrial loans, non-performing construction and land development loans totaled $33,000, and other non-performing loans totaled $44,000 at December 31, 2015.

Real estate owned totaled $262,000 at December 31, 2015, including $202,000 of commercial real estate properties and $60,000 of residential and commercial vacant land parcels.

At December 31, 2015, our three largest non-performing loan relationships 1-4 family residential totaling $222,000, $171,000 and $93,000.

Other Loans of Concern. Other than $1.6 million of loans designated by management as “special mention,” of which $1.0 million related to a commercial farmland loan, there were no other loans at December 31, 2015 that are not already disclosed where there is information about possible credit problems of borrowers that caused management to have serious doubts about the ability of the borrowers to comply with present loan repayment terms and that may result in disclosure of such loans in the future.

Allowance for Loan Losses

Analysis and Determination of the Allowance for Loan Losses. Our allowance for loan losses is the amount considered necessary to reflect probable incurred losses in our loan portfolio. We evaluate the need to establish allowances against losses on loans on a quarterly basis. When additional allowances are necessary, a provision for loan losses is charged to earnings.

Our methodology for assessing the appropriateness of the allowance for loan losses consists of two key elements: (1) specific allowances for identified impaired loans; and (2) a general valuation allowance on the

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remainder of the loan portfolio. Although we determine the amount of each element of the allowance separately, the entire allowance for loan losses is available for the entire portfolio.

We identify loans that may need to be charged off as a loss by reviewing all delinquent loans, classified loans, and other loans about which management may have concerns about collectability. For individually reviewed loans, the borrower’s inability to make payments under the terms of the loan as well as the shortfall in collateral value could result in our charging off the loan or the portion of the loan that was impaired.

Among other factors, we consider current general economic conditions, including current housing price depreciation, in determining the appropriateness of the allowance for loan losses for our residential real estate portfolio. We use evidence obtained from our own loan portfolio as well as published housing data on our local markets from third party sources we believe to be reliable as a basis for assumptions about the impact of housing depreciation.

Substantially all of our loans are secured by collateral. Loans 90 days past due and other classified loans are evaluated for impairment and general or specific allowances are established. Typically for a nonperforming real estate loan in the process of collection, the value of the underlying collateral is estimated using either the original independent appraisal if it is less than 18 months old, adjusted for current economic conditions and other factors, or a new independent appraisal, and related general or specific allowances for loan losses are adjusted on a quarterly basis. If a nonperforming real estate loan is in the process of foreclosure and/or there are serious doubts about further collectability of principal or interest, and there is uncertainty about the value of the underlying collateral, we will order a new independent appraisal if it has not already been obtained. Any shortfall would result in immediately charging off the portion of the loan that was impaired.

Specific Allowances for Identified Problem Loans. We establish a specific allowance when loans are determined to be impaired. Loss is measured by determining the present value of expected future cash flows or, for collateral-dependent loans, the fair value of the collateral less estimated selling expenses. Factors in identifying a specific problem loan include: (1) the strength of the customer’s personal or business cash flows; (2) the availability of other sources of repayment; (3) the amount due or past due; (4) the type and value of collateral; (5) the strength of our collateral position; (6) the estimated cost to sell the collateral; and (7) the borrower’s effort to cure the delinquency. In addition, for loans secured by real estate, we consider the extent of any past due and unpaid property taxes applicable to the property serving as collateral on the mortgage.

General Valuation Allowance on the Remainder of the Loan Portfolio. We establish a general allowance for loans that are not classified as impaired to recognize the inherent losses associated with lending activities, but which, unlike specific allowances, has not been allocated to particular problem assets. This general valuation allowance is determined by segregating the loans by loan category and assigning allowance percentages based on our historical loss experience, delinquency trends and management’s evaluation of the collectability of the loan portfolio. The allowance may be adjusted for significant factors that, in management’s judgment, affect the collectability of the portfolio as of the evaluation date. These significant factors may include changes in lending policies and procedures, changes in existing general economic and business conditions affecting our primary market area, credit quality trends, collateral value, loan volumes and concentrations, seasoning of the loan portfolio, recent loss experience in particular segments of the portfolio, duration of the current business cycle and bank regulatory examination results. The applied loss factors are re-evaluated quarterly to ensure their relevance in the current real estate environment.

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The following table sets forth activity in our allowance for loan losses for the periods indicated.

	At or For the Years Ended December 31,
	2015			2014
	(Dollars in thousands)
Balance at beginning of period		$	1,075		$	1,061
Charge-offs:
Real estate loans:
One- to four-family residential			(1)			(27)
Commercial real estate			(5)			—
Construction and land			(57)			—
Total real estate			(63)			(27)
Commercial and industrial			—			—
Warehouse Line			—			—
Consumer loans:
Home equity loans and lines of credit			(17)			(73)
Other consumer			(1)			—
Total consumer			(18)			(73)
Total loans		$	(81)		$	(100)
Recoveries:
Real estate loans:
One- to four-family residential		$	14		$	3
Commercial real estate			2			91
Construction and land			—			—
Total real estate			16			94
Commercial and industrial			—			—
Warehouse Line			—			—
Consumer loans:
Home equity loans and lines of credit			—			20
Other consumer			—			—
Total consumer			—			20
Total loans		$	16		$	114
Net (charge-offs) recoveries			(65)			14
Provision for loan losses			65			—
Balance at end of period		$	1,075		$	1,075
Ratios:
Net charge-offs (recoveries) to average loans outstanding (annualized)			0.06%			(0.02)%
Allowance for loan losses to non-performing loans at end of period			81.44%			37.09%
Allowance for loan losses to total loans at end of period			1.00%			1.19%

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Allocation of Allowance for Loan Losses. The following table sets 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 to absorb losses in other categories.

	At December 31,
	2015							2014
	Allowance for Loan Losses			Percent of Allowance for Loan Loss by Category		Percent of Loans in Each Category to Total Loans		Allowance for Loan Losses			Percent of Allowance for Loan Loss by Category		Percent of Loans in Each Category to Total Loans
	(Dollars in thousands)
Real estate loans:
One- to four-family residential		$	337		31.35%		42.04%		$	223		20.74%		50.09%
Commercial real estate(1)			504		46.88		31.80			504		46.88		32.51
Total real estate			841		78.23		73.84			727		67.63		82.60
Commercial and industrial			69		6.42		7.54			248		23.07		6.12
Warehouse line			61		5.67		9.26			—		—		—
Consumer loans(2)			104		9.67		9.36			100		9.30		11.28
Total allocated allowance			1,075		100.00%		100.00%			1,075		100.00%		100.00%
Unallocated allowance			—							—
Total allowance for loan losses		$	1,075						$	1,075

(1)

Includes construction and land loans.

(2)

Includes home equity loans and lines of credit.

At December 31, 2015, our allowance for loan losses represented 1.00% of total loans and 81.4% of non-performing loans, and at December 31, 2014, our allowance for loan losses represented 1.19% of total loans and 37.1% of non-performing loans. There were net charge offs of $65,000 and net recoveries of $14,000 during the years ended December 31, 2015 and December 31, 2014, respectively.

Although we believe that we use the best information available to establish the allowance for loan losses, future adjustments to the allowance for loan losses may be necessary and results of operations could be adversely affected if circumstances differ substantially from the assumptions used in making the determinations. Because future events affecting borrowers and collateral cannot be predicted with certainty, the existing allowance for loan losses may not be adequate and management may determine that increases in the allowance are necessary if the quality of any portion of our loan portfolio deteriorates as a result. Furthermore, as an integral part of its examination process, the OCC will periodically review our allowance for loan losses. The OCC may require that we increase our allowance based on its judgments of information available to it at the time of its examination. Any material increase in the allowance for loan losses may adversely affect our financial condition and results of operations.

Securities Activities

General. The goals of our investment policy are to provide and maintain liquidity to meet day-to-day, cyclical and long-term liquidity need, to help mitigate interest rate and market risk within the parameters of our interest rate risk policy, and to generate a dependable flow of earnings within the context of our interest rate and credit risk objectives. In recent years, beginning with the recession which began in 2008 and the subsequent challenging economic environment, our strategy has been to reduce the maturities of our investment securities portfolio and to focus on quality and liquidity instead of yield. Subject to loan demand and our interest rate risk analysis, we will increase the balance of our investment securities portfolio when we have excess liquidity.

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Our investment policy was adopted by the board of directors. The investment policy is reviewed annually by the board of directors. Authority to make investments under the approved investment policy is delegated to our Chief Financial Officer, who serves as Investment Officer. We utilize the services of a third party investment advisor for specific recommendations and review of our investment portfolio and investment activities. The investment portfolio is reviewed quarterly by the Bank’s asset liability management committee and the third party advisor, and an independent market pricing of the investment portfolio is obtained on at least a monthly basis. The Chief Financial Officer reports to the board of directors on at least a quarterly basis with respect to liquidity, credit quality, market risk and recent investment activity. Any exceptions to the investment policy are made only upon the recommendation of the President and the Chief Financial Officer, and with the concurrence of our third party advisor and two members of the asset liability management committee.

Our current investment policy permits, with certain limitations, investments in United States Treasury securities with maturities up to 10 years; securities issued by the United States Government and its agencies or government sponsored enterprises with maturities up to 30 years (15 years for agency notes and bonds); pass-through mortgage-backed securities (MBS) issued by Fannie Mae, Ginnie Mae and Freddie Mac with an average life up to seven years; collateralized mortgage obligations (CMO) with an average life up to seven years; private issue MBSs and CMOs with average life up to five years; general, revenue, and escrowed obligations issued by states, counties and municipalities with maturities up to 15 years; corporate notes and bonds issued by U.S. corporations with maturities up to five years; bank notes with maturities up to five years; insured certificates of deposit with maturities up to four years; Fed funds sold to U.S. banks; and equity investments in the Federal Reserve Bank of Indianapolis and the Federal Home Loan Bank of Indianapolis or acquired in foreclosure, settlement or workout of debts previously contracted.

Prior to any investment and on an ongoing basis, MBSs, CMOs and certain other investment instruments are subject to an independent analysis as to the impact that changes in interest rates will have on cash flow and market value of each security. In addition, prior to any purchase and on an ongoing basis, all securities are subject to a price sensitivity test to determine the impact of an immediate and sustained shift in the yield curve. This test will be performed using either our internal interest rate simulation model or a model available from a reputable third party other than the broker or dealer selling the instrument. If the change in price exceeds, generally, an increase of 17% resulting from changes in interest rates of +300 bp to -300 bp, or a decrease of 17% resulting from changes in interest rates of +100 bp to +300 bp, these securities may be purchased, but are limited to 10% of our portfolio.

Our current investment policy does not permit any investment with the intent to sell or capture changes in price over 30 days or less. Specifically, our policy prohibits hedging activities and higher risk transactions such as futures, options or swap transactions; coupon stripping; gains trading; short sales; securities lending; buying or selling a security between the announcement of an offering and the issuance of the security, or “when issued” trading; transactions that are closed or sold on or before the settlement date, or “pair-offs”; selling securities at a price above market value while purchasing other securities at above market value, or “adjusted” trading; covered calls; extended settlements other than in the normal course of business; or repurchase or reverse repurchase agreements. In addition, we do not invest in stripped mortgage-backed securities; purchasing securities on margin; CMOs secured by mortgage assets not backed by the credit support of a U.S. government agency; floating rate derivatives; CMO residual or “Z tranche” bonds; long-term zero coupon bonds; complex securities and derivatives as defined in federal banking regulations; and other high-risk securities that do not pass the interest rate sensitivity tests set forth in our investment policy.

Our investment policy also requires that certain investment instruments be rated, and that our investment portfolio meet certain diversification requirements, with U.S. Treasury permitted up to 100% of our portfolio; GNMA obligations permitted up to 50% of our portfolio; and U.S. government and agency notes and bonds permitted up to 30% of our portfolio per issuer; U.S. government and agency MBSs permitted up to 30% of our portfolio per issuer; U.S. government agency CMOs permitted up to 30% of our portfolio per issuer (combined with MBSs issued by the same issuer); private issue MBSs and CMOs permitted up to 10% of our portfolio; SBA pools up to 10% of our portfolio; rated general obligation bank-qualified municipal obligations permitted up to 50% of our portfolio; and corporate and other investments generally limited to 10% of our portfolio.

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U.S. Government and Federal Agencies. At December 31, 2015, we had U.S. government and agency securities with a carrying value of $5.9 million, which constituted 50.7% of our securities portfolio. While these securities generally provide lower yields than other investments in our securities investment portfolio, we maintain these investments, to the extent appropriate, for liquidity purposes, as collateral for borrowings and for prepayment protection.

State and Political Subdivisions. At December 31, 2015, we had state and political subdivision securities with a carrying value of $2.6 million, which constituted 21.8% of our securities portfolio. Most of our current state and political subdivision securities are in principal amounts of $500,000 or less, were issued by counties and municipalities located in the states of Michigan, Ohio, Wisconsin and Indiana, and have maturities not in excess of 5 years. These securities generally provide slightly higher yields than U.S. government and agency securities and mortgage-backed securities, but are not as liquid as such other investments, so we typically maintain investments in municipal securities, to the extent appropriate, for generating returns in our investment portfolio

Mortgage-Backed Securities and Collateralized Mortgage Obligations. At December 31, 2015, we had mortgage-backed securities with a carrying value of $2.6 million, which constituted 21.9% of our securities portfolio, and CMOs with a carrying value of $660,000, which constituted 5.6% of our securities portfolio. Mortgage-backed securities are securities issued in the secondary market that are collateralized by pools of mortgages. Certain types of mortgage-backed securities are commonly referred to as “pass-through” certificates because the principal and interest of the underlying loans is “passed through” to investors, net of certain costs, including servicing and guarantee fees. Mortgage-backed securities typically are collateralized by pools of one- to four-family or multifamily mortgages, although we invest primarily in mortgage-backed securities backed by one- to four-family mortgages. The issuers of such securities pool and resell the participation interests in the form of securities to investors such as Edgewater Bank. The interest rate of the security is lower than the interest rates of the underlying loans to allow for payment of servicing and guaranty fees. All of our mortgage-backed securities are either backed by Ginnie Mae, a United States Government agency, or government-sponsored enterprises, such as Fannie Mae and Freddie Mac.

Residential mortgage-backed securities issued by United States Government agencies and government-sponsored enterprises are more liquid than individual mortgage loans because there is an active trading market for such securities. In addition, residential mortgage-backed securities may be used to collateralize our borrowings. Investments in residential mortgage-backed securities involve a risk that actual payments will be greater or less than the prepayment rate estimated at the time of purchase, which may require adjustments to the amortization of any premium or accretion of any discount relating to such interests, thereby affecting the net yield on our securities. Current prepayment speeds determine whether prepayment estimates require modification that could cause amortization or accretion adjustments.

Federal Home Loan Bank Stock. We hold common stock of the Federal Home Loan Bank of Indianapolis in connection with our borrowing activities totaling $686,200 at December 31, 2015. The Federal Home Loan Bank common stock is carried at cost and classified as restricted equity securities. We may be required to purchase additional Federal Home Loan Bank stock if we increase borrowings in the future.

The following table sets forth the composition of our investment securities portfolio, all of which were available for sale, at the dates indicated, excluding stock of the Federal Home Loan Bank of Indianapolis.

	December 31, 2015						December 31, 2014
	Amortized Cost			Fair Value			Amortized Cost			Fair Value
	(In thousands)
Available-for-sale securities:
U.S. Government and federal agency		$	5,952		$	5,925		$	5,003		$	4,940
State and political subdivisions			2,556			2,559			3,355			3,361
Mortgage-backed – GSE-residential			2,567			2,570			3,357			3,384
Collateralized mortgage obligations – GSE			653			660			1,020			1,033
		$	11,728		$	11,714		$	12,735		$	12,718

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At December 31, 2015, we had no investments in a single entity (other than United States government or agency sponsored securities) that had an aggregate book value in excess of 10% of our total equity.

Securities Portfolio Maturities and Yields. The following table sets forth the composition, stated maturities and weighted average yields of our investment securities portfolio at December 31, 2015. Securities available for sale are carried at fair value. Mortgage-backed securities, including collateralized mortgage obligations, are anticipated to be repaid in advance of their contractual maturities as a result of projected mortgage loan repayments. In addition, under the structure of some of our CMOs, the short- and intermediate-term tranche interests have repayment priority over the longer term tranche interests of the same underlying mortgage pool. Finally, some of our U.S. Treasury and other securities are callable at the option of the issuer. Certain securities have interest rates that are adjustable and will reprice annually within the various maturity ranges. These repricing schedules have not been reflected in the table below.

	One Year or Less					More than One Year through Five Years					More than Five Years through Ten Years					More than Ten Years					Total Securities
	Amortized Cost			Weighted Average Yield		Amortized Cost			Weighted Average Yield		Amortized Cost			Weighted Average Yield		Amortized Cost			Weighted Average Yield		Amortized Cost			Fair Value			Weighted Average Yield
	(In thousands)
Securities available-for-sale:
U.S. Government and federal agency		$	500		0.87%		$	5,452		1.18%			—		—%			—		—%		$	5,952		$	5,925		1.16%
State and political subdivisions			501		2.65			2,055		1.29			—		—			—		—			2,556			2,559		1.55
Mortgage-backed – GSE-residential			—		—			—		0.00			2,026		1.50			541		5.69			2,567			2,570		1.74
Collateralized mortgage obligations – GSE			—		—			328		1.66			—		—			325		2.38			653			660		2.02
Total available-for-sale securities		$	1,001		1.76%		$	7,835		1.23%		$	2,026		1.50%		$	866		2.55%		$	11,728		$	11,714		1.42%

The following table shows the purchase, sale and amortization and repayment activity in our securities portfolio during the periods indicated:

	For the years ended December 31,
	2015			2014
	(Dollars in thousands)
Total at beginning of period		$	12,735		$	15,729
Purchases of:
U.S. government and federal agency obligations			999			—
U.S. government-sponsored enterprise mortgage-backed securities			—			—
U.S. government-sponsored enterprise collateralized mortgage obligations securities			—			—
State and political subdivisions			—			—
Corporate			—			—
Deduct:
U.S. government and federal agency obligations			(50)			(1,555)
U.S. government-sponsored enterprise mortgage-backed securities			(790)			(868)
U.S. government-sponsored enterprise collateralized mortgage obligations securities			(367)			(567)
State and political subdivisions			(799)			(4)
Corporate			—			—
Net activity			(1,007)			(2,994)
Total at end of period		$	11,728		$	12,735

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Sources of Funds

General. Deposits have traditionally been our primary source of funds for use in lending and investment activities. We also use borrowings, primarily Federal Home Loan Bank of Indianapolis advances, to supplement cash flow needs, lengthen the maturities of liabilities for interest rate risk purposes and to manage the cost of funds. In addition, we receive funds from scheduled loan payments, investment maturities, loan prepayments, retained earnings and income on earning assets. While scheduled loan payments and income on earning assets are relatively stable sources of funds, deposit inflows and outflows can vary widely and are influenced by prevailing interest rates, market conditions and levels of competition. To a lesser extent, we may utilize repurchase agreements or Federal Funds sold as funding sources.

Deposits. deposits are generated primarily from our primary market area. We offer a selection of deposit accounts, including non-interest-bearing and interest-bearing checking accounts, passbook and statement savings accounts, variable rate money market accounts, and certificates of deposit. Unlike most thrift institutions, a significant majority of our deposits are core deposits, which we believe are less susceptible than certificates of deposit to large-scale withdrawals as a result of changes in interest rates. We have not in the past used, and currently do not hold any, brokered or Internet deposits. Depending on our future needs we may participate in the Certificate of Deposit Registry Service (CDARS) and the Qwickrate programs as alternative funding sources, but do not anticipate doing so. At December 31, 2015, our core deposits, which are deposits other than time deposits and certificates of deposit, were $85.8 million, representing 75.7% of total deposits.

Our deposits are primarily obtained from areas surrounding our branch offices, and therefore deposit generation is significantly influenced by general and local economic conditions, changes in prevailing interest rates, internal pricing decisions and competition in our market area, which includes numerous financial institutions of varying sizes offering a wide range of products and services. Interest rates, maturity terms, service fees and withdrawal penalties are established on a periodic basis. Deposit rates and terms are based primarily on current operating strategies and market rates, liquidity requirements, rates paid by competitors and growth goals. Branch managers of each branch are permitted to authorize certificate of deposit interest rate adjustments up to 0.15%. The President and Chief Executive Officer or Chief Financial Officer may approve any certificate of deposit interest rate adjustment in excess of 0.15%. Based on experience, we believe that our deposits are relatively stable. However, the ability to attract and maintain deposits and the rates paid on these deposits has been and will continue to be significantly affected by market conditions, including competition and prevailing interest rates. At December 31, 2015, $27.5 million, or 24.3% of our total deposit accounts, were certificates of deposit, of which $16.2 million had maturities of one year or less.

In order to attract and retain deposits we rely on pro-active marketing and promotional programs, broadening banking relationships with lending customers, offering attractive interest rates, and offering competitive products to meet the needs of the varied demographic groups in our market areas, such as remote deposit capture for business customers, high-yield checking for higher balances, and low-cost overdraft for lower balances. We intend to continue to refine our product offerings and promotional programs, focus on employee training and development with respect to deposit generation and retention, and leverage relationship-based commercial and industrial and consumer lending to increase our core deposits.

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The following table sets forth the distribution of our average total deposit accounts, by account type, for the periods indicated. As a result of the sale of our Decatur office, deposits decreased by approximately $13.3 million, including decreases of approximately $8.4 million of core deposits and $4.9 million of certificates of deposit, as of the sale date of January 24, 2014.

	For the Years Ended December 31,
	2015							2014
	Average Balance			Percent		Weighted Average Rate		Average Balance			Percent		Weighted Average Rate
	(Dollars in thousands)
Deposit type:
Demand deposit accounts:
Interest bearing		$	27,296		26.4%		0.38%		$	17,571		18.3%		0.23%
Non-interest bearing			13,800		13.4		—			12,525		13.1		—
Money market accounts			20,299		19.7		0.29			22,858		23.8		0.29
Savings accounts			14,277		13.8		0.19			13,840		14.4		0.20
Certificates of deposit			27,608		26.7		0.80			29,091		30.3		0.87
Total deposits		$	103,280		100.00%		0.46%		$	95,885		100.0%		0.46%

The following table sets forth our deposit activities for the periods indicated.

	At or For the Years Ended December 31,
	2015			2014
	(Dollars in thousands)
Beginning balance		$	98,493		$	108,071
Net deposits (withdrawals) before interest credited			14,428			3,364
Branch deposit sale			—			(13,328)
Interest credited			410			386
Net increase (decrease) in deposits			14,838			(9,578)
Ending balance		$	113,331		$	98,493

The following table sets forth certificates of deposit classified by interest rate as of the dates indicated.

	At December 31,
	2015			2014
	(Dollars in thousands)
Interest Rate:
Less than 1.00%		$	19,683		$	20,879
1.00% to 1.99%			6,051			4,516
2.00% to 2.99%			1,773			1,437
3.00% to 3.99%			—			—
4.00% to 4.99%			5			24
5.00% and above			—			—
Total		$	27,512		$	26,856

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Maturities of Certificates of Deposit Accounts. The following table sets forth the amount and maturities of certificates of deposit accounts at the dates indicated.

	At December 31, 2015
	Period to Maturity
	Less Than or Equal to One Year			More Than One to Two Years			More Than Two to Three Years			More Than Three Years			Total			Percent of Total
	(Dollars in thousands)
Interest Rate Range:
Less than 1.00%		$	14,325		$	4,863		$	379		$	116		$	19,683		71.5%
1.00% to 1.99%			1,421			1,914			1,262			1,454			6,051		22.0
2.00% to 2.99%			451			—			—			1,322			1,773		6.4
3.00% to 3.99%			—			—			—			—			—		—
4.00% to 4.99%			—			5			—			—			5		0.1
5.00% and above			—			—			—			—			—		—
Total		$	16,197		$	6,782		$	1,641		$	2,892		$	27,512		100.00%

At December 31, 2015, the aggregate amount of outstanding certificates of deposit in amounts greater than or equal to $100,000 was approximately $9.4 million. The following table sets forth the maturity of those certificates as of December 31, 2015.

	At December 31, 2015
	(Dollars in thousands)
Three months or less		$	1,190
Over three months through six months			2,630
Over six months through one year			1,967
Over one year to three years			3,059
Over three years			550
Total		$	9,396

Borrowings. We may obtain advances from the Federal Home Loan Bank of Indianapolis upon the security of our capital stock in the Federal Home Loan Bank of Indianapolis and certain of our mortgage loans. Such advances may be made pursuant to several different credit programs, each of which has its own interest rate and range of maturities. To the extent such borrowings have different terms to reprice than our deposits, they can change our interest rate risk profile. At December 31, 2015, we had $8.0 million in outstanding advances from the FHLB-Indianapolis. At December 31, 2015, based on available collateral and our ownership of FHLB stock, and based upon our internal policy, we had access to additional Federal Home Loan Bank advances of up to $12.4 million, and an additional $2 million on a line of credit with the Federal Home Loan Bank and $2 million on a line of credit with United Bankers Bank.

The following table sets forth information concerning balances and interest rates on our Federal Home Loan Bank advances at the dates and for the periods indicated. We did not have any borrowings other than Federal Home Loan Bank advances at the dates or during the periods indicated.

	At or For the Years Ended December 31,
	2015			2014
	(Dollars in thousands)
Balance at end of period		$	8,000		$	10,000
Average balance during period		$	12,993		$	9,564
Maximum outstanding at any month end		$	17,600		$	11,000
Weighted average interest rate at end of period			1.19%			0.00%
Average interest rate during period			0.95%			1.11%

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Subsidiary Activities

Edgewater Bank is the wholly-owned subsidiary of Edgewater Bancorp, Inc. Edgewater Bank has three subsidiaries. Explorer Financial Services Corporation is a Michigan corporation established to own approximately 4.91% of MBT Title Services, LLC, a multi-bank owned title insurance company. Edgewater Insurance Agency, Inc. is a Michigan corporation formed to receive the commissions for the Bank’s employee benefit plans. This agency does not sell insurance products to the general public. Waters Edge Real Estate Holdings, LLC is a Michigan limited liability company formed to own and operate certain real estate owned properties between the time of foreclosure and divestiture of these properties. This entity currently does not hold any real estate owned properties.

Employees

As of December 31, 2015 we had 36 full-time equivalent employees. Our employees are not represented by any collective bargaining group. Management believes that we have a good working relationship with our employees.

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REGULATION AND SUPERVISION

General

As a federal savings association, Edgewater Bank is subject to examination and regulation by the OCC, and is also subject to examination by the FDIC. The federal system of regulation and supervision establishes a comprehensive framework of activities in which Edgewater Bank may engage and is intended primarily for the protection of depositors and the FDIC’s Deposit Insurance Fund, and not for the protection of security holders. Under this system of federal regulation, financial institutions are periodically examined to ensure that they satisfy applicable standards with respect to their capital adequacy, assets, management, earnings, liquidity and sensitivity to market interest rates. Edgewater Bank also is regulated to a lesser extent by the Federal Reserve Board, which governs the reserves to be maintained against deposits and other matters. Edgewater Bank must comply with consumer protection regulations issued by the Consumer Financial Protection Bureau. Edgewater Bank also is a member of and owns stock in the Federal Home Loan Bank of Indianapolis, which is one of the twelve regional banks in the Federal Home Loan Bank System. The OCC examines Edgewater Bank and prepares reports for the consideration of its Board of Directors on any operating deficiencies. Edgewater Bank’s relationship with its depositors and borrowers also is regulated to a great extent by federal law and, to a much lesser extent, state law, especially in matters concerning the ownership of deposit accounts, the form and content of Edgewater Bank’s loan documents and certain consumer protection matters.

As a savings and loan holding company, Edgewater Bancorp, Inc. is subject to examination and supervision by, and is required to file certain reports with, the Federal Reserve Board. Edgewater Bancorp, Inc. is also subject to the rules and regulations of the Securities and Exchange Commission under the federal securities laws.

Set forth below are certain material regulatory requirements that are applicable to Edgewater Bank and Edgewater Bancorp, Inc. This description of statutes and regulations is not intended to be a complete description of such statutes and regulations and their effects on Edgewater Bank and Edgewater Bancorp, Inc. Any change in these laws or regulations, whether by Congress or the applicable regulatory agencies, could have a material adverse impact on Edgewater Bancorp, Inc., Edgewater Bank and their operations.

Dodd-Frank Act

The Dodd-Frank Act made significant changes to the regulatory structure for depository institutions and their holding companies. However, the Dodd-Frank Act’s changes go well beyond that and affect the lending, investments and other operations of all depository institutions. The Dodd-Frank Act required the Federal Reserve Board to set minimum capital levels for both bank holding companies and savings and loan holding companies that are as stringent as those required for the insured depository subsidiaries, and the components of Tier 1 capital for holding companies were restricted to capital instruments that were then currently considered to be Tier 1 capital for insured depository institutions. The legislation also established a floor for capital of insured depository institutions that cannot be lower than the standards in effect upon passage, and directed the federal banking regulators to implement new leverage and capital requirements that take into account off-balance sheet activities and other risks, including risks relating to securitized products and derivatives.

The Dodd-Frank Act created a new Consumer Financial Protection Bureau with broad powers to supervise and enforce consumer protection laws. The Consumer Financial Protection Bureau has broad rule-making authority for a wide range of consumer protection laws that apply to all banks and savings institutions such as Edgewater Bank, including the authority to prohibit “unfair, deceptive or abusive” acts and practices. The Consumer Financial Protection Bureau 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 are still examined for compliance by their applicable bank regulators. The new legislation also weakened the federal preemption available for national banks and federal savings associations, and gave state attorneys general the ability to enforce applicable federal consumer protection laws.

The Dodd-Frank Act broadened the base for FDIC insurance assessments. Assessments are now based on the average consolidated total assets less tangible equity capital of a financial institution, rather than on

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total deposits. The legislation also permanently increased the maximum amount of deposit insurance for banks, savings institutions and credit unions to $250,000 per depositor, retroactive to January 1, 2008. The Dodd-Frank Act increased stockholder influence over boards of directors by requiring companies to give stockholders a non-binding vote on executive compensation and so-called “golden parachute” payments. The legislation also directs the Federal Reserve Board to promulgate rules prohibiting excessive compensation paid to bank holding company executives, regardless of whether the company is publicly traded or not. Further, the legislation requires that originators of securitized loans retain a percentage of the risk for transferred loans, directs the Federal Reserve Board to regulate pricing of certain debit card interchange fees and contains a number of reforms related to mortgage origination.

Many provisions of the Dodd-Frank Act involve delayed effective dates and/or require implementing regulations or have not been issued in final form. Their impact on our operations cannot yet fully be assessed. However, there is a significant possibility that the Dodd-Frank Act will result in an increased regulatory burden and compliance, operating and interest expense for Edgewater Bank and Edgewater Bancorp, Inc.

Federal Banking Regulation

Business Activities. A federal savings association derives its lending and investment powers from the Home Owners’ Loan Act, as amended, and applicable federal regulations. Under these laws and regulations, Edgewater Bank may invest in mortgage loans secured by residential and commercial real estate, commercial business and consumer loans, certain types of debt securities and certain other assets, subject to applicable limits. The Dodd-Frank Act authorized, for the first time, the payment of interest on commercial checking accounts, effective July 21, 2011. Edgewater Bank may also establish subsidiaries that may engage in certain activities not otherwise permissible for Edgewater Bank, including real estate investment and securities and insurance brokerage.

Capital Requirements. The risk-based capital standard for savings associations requires the maintenance of Tier 1 (core) and total capital (which is defined as core capital and supplementary capital) to risk-weighted assets of at least 6% and 8%, respectively and common equity Tier 1 of at least 4.50%. In determining the amount of risk-weighted assets, all assets, including certain off-balance sheet assets, are multiplied by a risk-weight factor of 0% to 1,250%, assigned by the regulations, based on the risks believed inherent in the type of asset. Core capital is defined as common stockholders’ equity (including retained earnings), certain noncumulative perpetual preferred stock and related surplus and minority interests in equity accounts of consolidated subsidiaries, less intangibles other than certain mortgage servicing rights and credit card relationships. The components of supplementary capital include cumulative preferred stock, long-term perpetual preferred stock, mandatory convertible securities, subordinated debt and intermediate preferred stock, the allowance for loan and lease losses limited to a maximum of 1.25% of risk-weighted assets and up to 45% of net unrealized gains on available-for-sale equity securities with readily determinable fair market values. Overall, the amount of supplementary capital included as part of total capital cannot exceed 100% of core capital. Additionally, a savings association that retains credit risk in connection with an asset sale is required to maintain additional regulatory capital because of the purchaser’s recourse against the savings association. In assessing an institution’s capital adequacy, the OCC takes into consideration not only these numeric factors, but qualitative factors as well and has the authority to establish higher capital requirements for individual associations where necessary.

At December 31, 2015, Edgewater Bank’s capital exceeded all applicable requirements.

Individual Minimum Capital Requirement. On January 23, 2013, the OCC notified Edgewater Bank that the OCC had established an IMCR that requires Edgewater Bank to maintain certain individual minimum capital ratio requirements. During the fourth quarter of 2014, Edgewater Bank was notified that IMCR was terminated by the OCC.

New Capital Rule. On July 9, 2013, the OCC and the other federal bank regulatory agencies issued a final rule that will revise their risk-based capital requirements and the method for calculating risk-weighted assets to make them consistent with agreements that were reached by the Basel Committee on Banking Supervision and certain provisions of the Dodd-Frank Act. The final rule applies to all depository institutions, top-tier bank holding companies with total consolidated assets of $500 million or more and top-tier savings and loan holding companies.

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The rule establishes a new common equity Tier 1 minimum capital requirement (4.5% of risk-weighted assets), increases the minimum Tier 1 capital to risk-based assets requirement (from 4.0% to 6.0% of risk-weighted assets) and assigns a higher risk weight (150%) to exposures that are more than 90 days past due or are on nonaccrual status and to certain commercial real estate facilities that finance the acquisition, development or construction of real property.

The rule also includes changes in what constitutes regulatory capital, some of which are subject to a two-year transition period. These changes include the phasing-out of certain instruments as qualifying capital. In addition, Tier 2 capital is no longer limited to the amount of Tier 1 capital included in total capital. Mortgage servicing rights, certain deferred tax assets and investments in unconsolidated subsidiaries over designated percentages of common stock will be required to be deducted from capital, subject to a two-year transition period. Finally, Tier 1 capital will include accumulated other comprehensive income (which includes all unrealized gains and losses on available for sale debt and equity securities), subject to a two-year transition period. Edgewater Bank had the one-time option in the first quarter of 2015 to permanently opt out of the inclusion of accumulated other comprehensive income in its capital calculation. Edgewater opted out in order to reduce the impact of market volatility on its regulatory capital levels.

The new capital requirements also include changes in the risk-weights of assets to better reflect credit risk and other risk exposures. These include a 150% risk weight (up from 100%) for certain high volatility commercial real estate acquisition, development and construction loans and non-residential mortgage loans that are 90 day past due or otherwise on non-accrual status; a 20% (up from 0%) credit conversion factor for the unused portion of a commitment with an original maturity of one year or less that is not unconditionally cancellable; a 250% risk weight (up from 100%) for mortgage servicing and deferred tax assets that are not deducted from capital; and increased risk-weights (from 0% to up to 600%) for equity exposures.

Finally, the rule limits capital distributions and certain discretionary bonus payments if the banking organization does not hold a “capital conservation buffer” consisting of 2.5% of common equity Tier 1 capital to risk-weighted assets in addition to the amount necessary to meet its minimum risk-based capital requirements.

The final rule became effective for Edgewater Bank on January 1, 2015. The capital conservation buffer requirement will be phased in beginning January 1, 2016 at 0.625% of risk-weighted assets increasing each year until fill implemented at 2.5% on January 1, 2019.

Edgewater Bank meets all of these new requirements, including the full 2.5% capital conservation buffer.

Loans-to-One Borrower. Generally, a federal savings association may not make a loan or extend credit to a single or related group of borrowers in excess of 15% of unimpaired capital and surplus. An additional amount may be loaned, equal to 10% of unimpaired capital and surplus, if the loan is secured by readily marketable collateral, which generally does not include real estate. As of December 31, 2015, Edgewater Bank was in compliance with the loans-to-one borrower limitations.

Qualified Thrift Lender Test. As a federal savings association, Edgewater Bank must satisfy the qualified thrift lender, or “QTL,” test. Under the QTL test, Edgewater Bank must maintain at least 65% of its “portfolio assets” in “qualified thrift investments” (primarily residential mortgages and related investments, including mortgage-backed securities) in at least nine months of the most recent 12-month period. “Portfolio assets” generally means total assets of a savings association, less the sum of specified liquid assets up to 20% of total assets, goodwill and other intangible assets, and the value of property used in the conduct of the savings association’s business.

Alternatively, Edgewater Bank may satisfy the QTL test by qualifying as a “domestic building and loan association” as defined in the Internal Revenue Code of 1986, as amended.

A federal savings association that fails the qualified thrift lender test must operate under specified restrictions set forth in the Home Owners’ Loan Act. The Dodd-Frank Act made noncompliance with the QTL test subject to enforcement action for a violation of law. At December 31, 2015, Edgewater Bank maintained 77.99% of its portfolio assets in qualified thrift investments and, therefore, satisfied the QTL test. Edgewater Bank has satisfied the QTL test in each of the last 12 months.

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Capital Distributions. Federal regulations govern capital distributions by a federal savings association, which include cash dividends, stock repurchases and other transactions charged to the savings association’s capital account. A federal savings association must file an application for approval of a capital distribution if:

•

the total capital distributions for the applicable calendar year exceed the sum of the savings association’s net income for that year to date plus the savings association’s retained net income for the preceding two years;

•

the savings association would not be at least adequately capitalized following the distribution;

•

the distribution would violate any applicable statute, regulation, agreement or regulatory condition; or

•

the savings association is not eligible for expedited treatment of its filings.

Even if an application is not otherwise required, every savings association that is a subsidiary of a savings and loan holding company, such as Edgewater Bank, must still file a notice with the Federal Reserve Board at least 30 days before the board of directors declares a dividend or approves a capital distribution.

A notice or application related to a capital distribution may be disapproved if:

•

the federal savings association would be undercapitalized following the distribution;

•

the proposed capital distribution raises safety and soundness concerns; or

•

the capital distribution would violate a prohibition contained in any statute, regulation or agreement.

In addition, the Federal Deposit Insurance Act provides that an insured depository institution may not make any capital distribution if, after making such distribution, the institution would fail to meet any applicable regulatory capital requirement. A federal savings association also may not make a capital distribution that would reduce its regulatory capital below the amount required for the liquidation account established in connection with its conversion to stock form. In addition, beginning in 2016, Edgewater Bank’s ability to pay dividends will be limited if Edgewater Bank does not have the capital conservation buffer required by the new capital rules, which may limit the ability of Edgewater Bancorp, Inc. to pay dividends to its stockholders. See — New Capital Rule.

Community Reinvestment Act and Fair Lending Laws. All federal savings associations have a responsibility under the Community Reinvestment Act and related regulations to help meet the credit needs of their communities, including low- and moderate-income borrowers. In connection with its examination of a federal savings association, the OCC is required to assess the federal savings association’s record of compliance with the Community Reinvestment Act. A savings association’s failure to comply with the provisions of the Community Reinvestment Act could, at a minimum, result in denial of certain corporate applications such as branches or mergers, or in restrictions on its activities. In addition, the Equal Credit Opportunity Act and the Fair Housing Act prohibit lenders from discriminating in their lending practices on the basis of characteristics specified in those statutes. The failure to comply with the Equal Credit Opportunity Act and the Fair Housing Act could result in enforcement actions by the OCC, as well as other federal regulatory agencies and the Department of Justice.

The Community Reinvestment Act requires all institutions insured by the FDIC to publicly disclose their rating. Edgewater Bank received a “satisfactory” Community Reinvestment Act rating in its most recent federal examination.

Transactions with Related Parties. A federal savings association’s authority to engage in transactions with its affiliates is limited by Sections 23A and 23B of the Federal Reserve Act and federal regulation. An affiliate is generally a company that controls, or is under common control with an insured depository institution such as Edgewater Bank. Edgewater Bancorp, Inc. is an affiliate of Edgewater Bank because of its control of Edgewater Bank. In general, transactions between an insured depository institution and its affiliates are subject to certain quantitative limits and collateral requirements. In addition, federal regulations prohibit a savings association from lending to any of its affiliates that are engaged in activities

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that are not permissible for bank holding companies and from purchasing the securities of any affiliate, other than a subsidiary. Finally, transactions with affiliates must be consistent with safe and sound banking practices, not involve the purchase of low-quality assets and be on terms that are as favorable to the institution as comparable transactions with non-affiliates. Federal regulations require savings associations to maintain detailed records of all transactions with affiliates.

Edgewater Bank’s authority to extend credit to its directors, executive officers and 10% stockholders, 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 Edgewater Bank’s capital.

In addition, extensions of credit in excess of certain limits must be approved by Edgewater Bank’s loan committee or board of directors. Extensions of credit to executive officers are subject to additional limits based on the type of extension involved.

Enforcement. The OCC has primary enforcement responsibility over federal savings associations and has authority to bring enforcement action against all “institution-affiliated parties,” including directors, officers, stockholders, attorneys, appraisers and accountants who knowingly or recklessly participate in wrongful action likely to have an adverse effect on a federal savings association. Formal enforcement action by the OCC may range from the issuance of a capital directive or cease and desist order to removal of officers and/or directors of the institution and the appointment of a receiver or conservator. Civil penalties cover a wide range of violations and actions, and range up to $25,000 per day, unless a finding of reckless disregard is made, in which case penalties may be as high as $1 million per day. The FDIC also has the authority to terminate deposit insurance or recommend to the OCC that enforcement action be taken with respect to a particular savings association. If such action is not taken, the FDIC has authority to take the action under specified circumstances.

Standards for Safety and Soundness. Federal law requires each federal banking agency to prescribe certain standards for all insured depository institutions. These standards relate to, among other things, internal controls, information systems and audit systems, loan documentation, credit underwriting, interest rate risk exposure, asset growth, compensation and other operational and managerial standards as the agency deems appropriate. Interagency 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. 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. If an institution fails to meet these standards, the appropriate federal banking agency may require the institution to implement an acceptable compliance plan. Failure to implement such a plan can result in further enforcement action, including the issuance of a cease and desist order or the imposition of civil money penalties.

Prompt Corrective Action Regulations. The OCC is required by law to take supervisory actions against undercapitalized savings institutions under its jurisdiction, the severity of which depends upon the institution’s level of capital.

Current OCC prompt corrective action regulations state that to be adequately capitalized, Edgewater Bank must have a Tier 1 leverage ratio of at least 4.0%, a Common Equity Tier 1 capital of at least 4.50%, a Tier 1 risk-based capital ratio of at least 6.0%, and a total risk-based capital ratio of at least 8.0%. To be well-capitalized, Edgewater Bank must have a Tier 1 leverage ratio of at least 5.0%, a Common Equity Tier 1 capital of at least 6.50%, a Tier 1 risk-based capital ratio of at least 8.0%, and a total risk-based capital ratio of at least 10.0%. A savings association that has total risk-based capital of less than 8.0% or a leverage ratio or a Tier 1 risk-based capital ratio that generally is less than 4.0% is considered to be undercapitalized.

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A savings association that has total risk-based capital less than 6.0%, a Tier 1 core risk-based capital ratio of less than 3.0% or a leverage ratio that is less than 3.0% is considered to be “significantly undercapitalized.” A savings institution that has a tangible capital to assets ratio equal to or less than 2% is deemed to be “critically undercapitalized.”

Generally, the OCC is required to appoint a receiver or conservator for a savings association that is “critically undercapitalized” within specific time frames. The regulations also provide that a capital restoration plan must be filed with the OCC within 45 days of the date that a federal savings association is deemed to have received notice that it is “undercapitalized,” “significantly undercapitalized” or “critically undercapitalized.” Any holding company of a federal savings association that is required to submit a capital restoration plan must guarantee performance under the plan in an amount of up to the lesser of 5% of the savings association’s assets at the time it was deemed to be undercapitalized by the OCC or the amount necessary to restore the savings association to adequately capitalized status. This guarantee remains in place until the OCC notifies the savings association that it has maintained adequately capitalized status for each of four consecutive calendar quarters. Institutions that are undercapitalized become subject to certain mandatory measures such as a restrictions on capital distributions and asset growth. The OCC may also take any one of a number of discretionary supervisory actions against undercapitalized federal savings associations, including the issuance of a capital directive and the replacement of senior executive officers and directors.

At December 31, 2015, Edgewater Bank met the criteria for being considered “well capitalized.”

In addition, the OCC’s prompt corrective action standards changed when the new capital ratios became effective. Under the new standards, in order to be considered well-capitalized, Edgewater Bank would have to have a common equity Tier 1 ratio of 6.5% (new), a Tier 1 risk-based capital ratio of 8.0%, a total risk-based capital ratio of 10.0%, and a Tier 1 leverage ratio of 5.0%. Edgewater Bank has determined it is well-capitalized under these new standards.

Insurance of Deposit Accounts. The Deposit Insurance Fund of the FDIC insures deposits at FDIC-insured financial institutions such as Edgewater Bank. Deposit accounts in Edgewater Bank are insured by the FDIC generally up to a maximum of $250,000 per separately insured depositor and up to a maximum of $250,000 for self-directed retirement accounts. The FDIC charges insured depository institutions premiums to maintain the Deposit Insurance Fund.

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.

In February 2011, 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 new rule, assessments are based on an institution’s average consolidated total assets minus average tangible equity instead of total deposits. The proposed 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 September 30, 2015, the annualized FICO assessment was equal to 0.58 basis points of total assets less tangible capital.

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 Edgewater 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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Prohibitions Against Tying Arrangements. Federal savings associations are prohibited, subject to some exceptions, from extending credit to or offering any other service, or fixing or varying the consideration for such extension of credit or service, on the condition that the customer obtain some additional service from the institution or its affiliates or not obtain services of a competitor of the institution.

Federal Home Loan Bank System. Edgewater Bank is a member of the Federal Home Loan Bank System, which consists of 12 regional Federal Home Loan Banks. The Federal Home Loan Bank 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 Federal Home Loan Bank of Indianapolis, Edgewater Bank is required to acquire and hold shares of capital stock in the Federal Home Loan Bank. As of December 31, 2015, Edgewater Bank was in compliance with this requirement. While Edgewater Bank’s ability to borrow from the Federal Home Loan Bank of Indianapolis provides an additional source of liquidity, Edgewater Bank has historically not used advances from the Federal Home Loan Bank to fund its operations.

Other Regulations

Interest and other charges collected or contracted for by Edgewater Bank are subject to state usury laws and federal laws concerning interest rates. Edgewater 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;

•

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

•

Capital rules and regulations of the various federal agencies charged with the responsibility of implementing such federal laws.

In addition, the Consumer Financial Protection Bureau issues regulations and standards under these federal consumer protection laws that affect our consumer businesses. These include regulations setting “ability to repay” and “qualified mortgage” standards for residential mortgage loans and mortgage loan servicing and originator compensation standards. Edgewater Bank is evaluating recent regulations and proposals, and devotes significant compliance, legal and operational resources to compliance with consumer protection regulations and standards.

The operations of Edgewater 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;

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•

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;

•

The USA PATRIOT Act, which requires savings associations to, among other things, establish broadened anti-money laundering compliance programs, and 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 that also apply to financial institutions under the Bank Secrecy Act and the Office of Foreign Assets Control regulations; and

•

The 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.

Holding Company Regulation

General. Edgewater Bancorp, Inc. is a savings and loan holding company within the meaning of Home Owners Loan Act (HOLA). As such, Edgewater Bancorp, Inc. is registered with the Federal Reserve Board and is subject to regulations, examinations, supervision and reporting requirements applicable to savings and loan holding companies. In addition, the Federal Reserve Board has enforcement authority over Edgewater Bancorp, Inc. and its non-savings institution subsidiaries. Among other things, this authority permits the Federal Reserve Board to restrict or prohibit activities that are determined to be a serious risk to the subsidiary savings institution.

Permissible Activities. Under present law, the business activities of Edgewater Bancorp, Inc. are generally limited to those activities permissible for financial holding companies under Section 4(k) of the Bank Holding Company Act of 1956, as amended, provided certain conditions are met, or for multiple savings and loan holding companies. A financial holding company may engage in activities that are financial in nature, including underwriting equity securities and insurance as well as activities that are incidental to financial activities or complementary to a financial activity. A multiple savings and loan holding company is generally limited to activities permissible for bank holding companies under Section 4(c)(8) of the Bank Holding Company Act, subject to regulatory approval, and certain additional activities authorized by federal regulations.

Federal law prohibits a savings and loan holding company, including Edgewater Bancorp, Inc., directly or indirectly, or through one or more subsidiaries, from acquiring more than 5% of another savings institution or holding company thereof, without prior regulatory approval. It also prohibits the acquisition or retention of, with certain exceptions, more than 5% of a nonsubsidiary company engaged in activities that are not closely related to banking or financial in nature, or acquiring or retaining control of an institution that is not federally insured. In evaluating applications by holding companies to acquire savings institutions, the Federal Reserve Board must consider the financial and managerial resources, future prospects of the company and institution involved, the effect of the acquisition on the risk to the federal deposit insurance fund, the convenience and needs of the community and competitive factors.

The Federal Reserve Board is prohibited from approving any acquisition that would result in a multiple savings and loan holding company controlling savings institutions in more than one state, subject to two exceptions:

•

the approval of interstate supervisory acquisitions by savings and loan holding companies; and

•

the acquisition of a savings institution in another state if the laws of the state of the target savings institution specifically permit such acquisition.

The states vary in the extent to which they permit interstate savings and loan holding company acquisitions.

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Capital. Savings and loan holding companies historically have not been subject to consolidated regulatory capital requirements. The Dodd-Frank Act, however, requires the Federal Reserve Board to establish for all depository institution holding companies minimum consolidated capital requirements that are as stringent as those required for the insured depository subsidiaries. Under regulations recently enacted by the Federal Reserve Board, Edgewater Bancorp, Inc. is be subject to regulatory capital requirements that generally are the same as the new capital requirements for Edgewater Bank. These new capital requirements include provisions that might limit the ability of Edgewater Bancorp, Inc. to pay dividends to its stockholders or repurchase its shares. See “— Federal Banking Regulation — New Capital Rule.” Edgewater Bancorp, Inc. has conducted a pro forma analysis of the application of these new capital requirements as of December 31, 2015, has determined that it met all of these new requirements, including the full 2.5% capital conservation buffer, and remains well-capitalized, if these new requirements had been in effect on that date.

Source of Strength. The Dodd-Frank Act extended the “source of strength” doctrine to savings and loan holding companies. The Federal Reserve Board has issued regulations requiring that all savings and loan holding companies serve as a source of managerial and financial strength to their subsidiary savings associations by providing capital, liquidity and other support in times of financial stress.

Dividends. The Federal Reserve Board has issued a policy statement regarding the payment of dividends and the repurchase of shares of common stock by bank holding companies and savings and loan holding companies. In general, the policy provides that dividends should be paid only out of current earnings and only if the prospective rate of earnings retention by the holding company appears consistent with the organization’s capital needs, asset quality and overall financial condition. Regulatory guidance provides for prior regulatory consultation with respect to capital distributions in certain circumstances such as where the company’s net income for the past four quarters, net of dividends previously paid over that period, is insufficient to fully fund the dividend or the company’s overall rate or earnings retention is inconsistent with the company’s capital needs and overall financial condition. The ability of a savings and loan holding company to pay dividends may be restricted if a subsidiary savings association becomes undercapitalized. The policy statement also states that a savings and loan holding company should inform the Federal Reserve Board supervisory staff prior to redeeming or repurchasing common stock or perpetual preferred stock if the savings and loan holding company is experiencing financial weaknesses or if the repurchase or redemption would result in a net reduction, as of the end of a quarter, in the amount of such equity instruments outstanding compared with the beginning of the quarter in which the redemption or repurchase occurred. These regulatory policies may affect the ability of Edgewater Bancorp, Inc. to pay dividends, repurchase shares of common stock or otherwise engage in capital distributions.

Acquisition. Under the Federal Change in Bank Control Act, a notice must be submitted to the Federal Reserve Board if any person (including a company), or group acting in concert, seeks to acquire direct or indirect “control” of a savings and loan holding company. Under certain circumstances, a change of control may occur, and prior notice is required, upon the acquisition of 10% or more of the company’s outstanding voting stock, unless the Federal Reserve Board has found that the acquisition will not result in control of the company. A change in control definitively occurs upon the acquisition of 25% or more of the company’s outstanding voting stock. Under the Change in Bank Control Act, the Federal Reserve Board generally has 60 days from the filing of a complete notice to act, taking into consideration certain factors, including the financial and managerial resources of the acquirer and the competitive effects of the acquisition.

Emerging Growth Company Status

The Jumpstart Our Business Startups Act (the “JOBS Act”), which was enacted in April 2012, has made numerous changes to the federal securities laws to facilitate access to capital markets. Under the JOBS Act, a company with total annual gross revenues of less than $1.0 billion during its most recently completed fiscal year qualifies as an “emerging growth company.” Edgewater Bancorp, Inc. qualifies as an emerging growth company under the JOBS Act.

An “emerging growth company” may choose not to hold stockholder votes to approve annual executive compensation (more frequently referred to as “say-on-pay” votes) or executive compensation payable in connection with a merger (more frequently referred to as “say-on-golden parachute” votes). An

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emerging growth company also is not subject to the requirement that its auditors attest to the effectiveness of the company’s internal control over financial reporting, and can provide scaled disclosure regarding executive compensation; however, Edgewater Bancorp, Inc. will also not be subject to the auditor attestation requirement or additional executive compensation disclosure so long as it remains a “smaller reporting company” under Securities and Exchange Commission regulations (generally less than $75 million of voting and non-voting equity held by non-affiliates). Finally, an emerging growth company may elect to comply with new or amended accounting pronouncements in the same manner as a private company, but must make such election when the company is first required to file a registration statement. Such an election is irrevocable during the period a company is an emerging growth company. Edgewater Bancorp, Inc. has elected to comply with new or amended accounting pronouncements in the same manner as a private company.

A company loses emerging growth company status on the earlier of: (i) the last day of the fiscal year of the company during which it had total annual gross revenues of $1.0 billion or more; (ii) the last day of the fiscal year of the issuer following the fifth anniversary of the date of the first sale of common equity securities of the company pursuant to an effective registration statement under the Securities Act of 1933; (iii) the date on which such company has, during the previous three-year period, issued more than $1.0 billion in non-convertible debt; or (iv) the date on which such company is deemed to be a “large accelerated filer” under Securities and Exchange Commission regulations (generally, at least $700 million of voting and non-voting equity held by non-affiliates).

Sarbanes-Oxley Act of 2002

The Sarbanes-Oxley Act of 2002 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.

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TAXATION

Federal Taxation

General. Edgewater Bancorp, Inc. and Edgewater Bank are subject to federal income taxation in the same general manner as other corporations, with some exceptions discussed below. The following discussion of federal taxation is intended only to summarize material federal income tax matters and is not a comprehensive description of the tax rules applicable to Edgewater Bancorp, Inc. and Edgewater Bank.

Method of Accounting. For federal income tax purposes, Edgewater Bank currently reports its income and expenses on the accrual method of accounting and uses a tax year ending December 31st for filing its federal income tax returns. The Small Business Protection Act of 1996 eliminated the use of the reserve method of accounting for bad debt reserves by savings institutions, effective for taxable years beginning after 1995.

Minimum Tax. The Internal Revenue Code of 1986, as amended, imposes an alternative minimum tax at a rate of 20% on a base of regular taxable income plus certain tax preferences, less an exemption amount, referred to as “alternative minimum taxable income.” The alternative minimum tax is payable to the extent tax computed this way exceeds tax computed by applying the regular tax rates to regular taxable income. Net operating losses can, in general, offset no more than 90% of alternative minimum taxable income. Certain payments of alternative minimum tax may be used as credits against regular tax liabilities in future years. At December 31, 2015, Edgewater Bank had no minimum tax credit carryforward.

Net Operating Loss Carryovers. Generally, a financial institution may carry back net operating losses to the preceding two taxable years and forward to the succeeding 20 taxable years. However, as a result of recent legislation, subject to certain limitations, the carryback period for net operating losses incurred in 2008 or 2009 (but not both years) has been expanded to five years. At December 31, 2015, Edgewater Bank had $8.9 million of federal net operating loss carryforwards and $1.3 million of Michigan state net operating loss carryforwards available for future use.

Capital Loss Carryovers. Generally, a financial institution may carry back capital losses to the preceding three taxable years and forward to the succeeding five taxable years. Any capital loss carryback or carryover is treated as a short-term capital loss for the year to which it is carried. As such, it is grouped with any other capital losses for the year to which carried and is used to offset any capital gains. Any undeducted loss remaining after the five year carryover period is not deductible. At December 31, 2015, Edgewater Bank had no capital loss carryover.

Corporate Dividends. We may generally exclude from our income 100% of dividends received from Edgewater Bank as a member of the same affiliated group of corporations.

Audit of Tax Returns. Edgewater Bank’s tax returns for tax year 2009 were subject to an ordinary audit by the Internal Revenue Service. As a result, Edgewater Bank was not required to amend its tax returns and was not required to pay any additional taxes or penalties. Edgewater Bank considers the matter fully resolved.

State Taxation

Companies headquartered in Michigan, such as Edgewater Bancorp, Inc., are subject to a Michigan capital tax which is an assessment of 0.29% of a company’s consolidated net capital, based on a rolling five-year average. Other applicable state taxes include generally applicable sales, use and real property taxes. As a Maryland business corporation, Edgewater Bancorp, Inc. is required to file annual franchise tax return with the State of Maryland. Edgewater Bank’s state income tax returns have not been audited in recent years.

Availability of Annual Report on Form 10-K

This Annual Report on Form 10-K is available on our website at www.edgewaterbank.com. Information on the website is not incorporated into, and is not otherwise considered a part of, this Annual Report on Form 10-K.

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ITEM 1A.

Risk Factors

The presentation of Risk Factors is not required for smaller reporting companies.

ITEM 1B.

Unresolved Staff Comments

Not applicable.

ITEM 2.

Properties

At December 31, 2015, the net book value of our properties was $3.0 million, and the net book value of our furniture, fixtures and equipment (including computer software) was $606,000. We believe that our current facilities are adequate to meet our present and foreseeable needs, other than modest and customary repair and replacement needs.

The following table sets forth information regarding our office properties as of December 31, 2015.

Location

Leased or Owned

Year Acquired or
Leased

Square Footage

Main Office:
(including land)

Saint Joseph – Main Office
321 Main Street
St. Joseph, Michigan 49085

Owned

1998

14,614

Full Service Branches:
(including land)

Bridgman Office
4509 Lake Street
Bridgman, Michigan 49106

Owned

1961

3,980

Buchanan Office(1)
720 East Front Street
Buchanan, Michigan 49107

Leased

2013

1,800

Coloma Office
167 Paw Paw Street
Coloma, Michigan 49038

Owned

1969

2,700

Royalton Township Office
4097 Hollywood Road
St. Joseph, Michigan 49085

Owned

2006

3,692

(1)

Prior to June 2013, we owned the entire building in which our Buchanan office is located. In June 2013, we sold the building to a third party and entered into a lease agreement with the current owner for 1,800 square feet that we occupy.

ITEM 3.

Legal Proceedings

We are not involved in any pending legal proceedings other than routine legal proceedings occurring in the ordinary course of business. At December 31, 2015, we were not involved in any legal proceedings the outcome of which would be material to our financial condition or results of operations.

ITEM 4.

Mine Safety Disclosure.

None.

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PART II

ITEM 5.

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

(a) Market, Holder and Dividend Information. Our common stock is quoted on the OTCQB operated by OTC Markets Group, Inc. under the symbol “EGDW.” The approximate number of holders of record of Edgewater Bancorp, Inc.’s common stock as of March 15, 2016, was 667,898. Certain shares of Edgewater Bancorp, Inc. are held in “nominee” or “street” name and accordingly, the number of beneficial owners of such shares is not known or included in the foregoing number. The common stock of Edgewater Bancorp, Inc. began trading on the OTCQB Bulletin Board on January 17, 2014. Accordingly, there is no market information for the periods ended December 31, 2013 and 2012.

The following table shows the high and low sales prices for our common stock as reported by the OTC Bulletin Board for the periods indicated and all dividends, if any, paid by us during those periods.

	High			Low			Dividend
2015
First Quarter		$	10.50		$	10.02		$	0
Second Quarter		$	11.25		$	10.40		$	0
Third Quarter		$	13.00		$	11.25		$	0
Fourth Quarter		$	13.75		$	12.04		$	0
2014
First Quarter		$	11.00		$	10.00		$	0
Second Quarter		$	10.50		$	10.40		$	0
Third Quarter		$	11.00		$	10.25		$	0
Fourth Quarter		$	10.25		$	10.10		$	0

Edgewater Bancorp, Inc. has not declared dividends on its common stock. Dividend payments by Edgewater Bancorp, Inc. are dependent in part on dividends it receives from Edgewater Bank because Edgewater Bancorp, Inc. has no source of income other than dividends from Edgewater Bank, earnings from the investment of proceeds from the sale of shares of common stock retained by Edgewater Bancorp, Inc. and interest payments with respect to Edgewater Bancorp, Inc.’s loan to the Employee Stock Ownership Plan.

(b) Sales of Unregistered Securities. Not applicable.

(c) Use of Proceeds. On September 12, 2013, Edgewater Bancorp, Inc. filed a Registration Statement on Form S-1 with the Securities and Exchange Commission in connection with the conversion of Edgewater Bank and the related offering of common stock by Edgewater Bancorp, Inc. The Registration Statement (File No. 333-191125) was declared effective by the Securities and Exchange Commission on November 12, 2013. Edgewater Bancorp, Inc. registered 1,031,550 shares of common stock, par value $0.01 per share, pursuant to the Registration Statement for an aggregate price of $10.3 million. The stock offering commenced on November 21, 2013, and ended on January 9, 2014. The issuance of 667,898 shares was completed on January 16, 2014 and the shares began trading on January 17, 2014.

Edgewater Bancorp, Inc. contributed $4.6 million of the net proceeds of the offering to Edgewater Bank. In addition, $534,000 of the net proceeds were used to fund the loan to the employee stock ownership plan.

(d) Securities Authorized for Issuance Under Equity Compensation Plans. None.

(e) Stock Repurchases. None.

(f) Stock Performance Graph. Not required for smaller reporting companies.

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ITEM 6.

Selected Financial Data

Not required for smaller reporting companies.

ITEM 7.

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

Overview

Edgewater Bank provides financial services to individuals and businesses from our main office in St. Joseph, Michigan and our four additional full-service banking offices located in Royalton Township, Coloma, Bridgman and Buchanan, Michigan. We completed the sale of our Decatur office on January 24, 2014. Our primary market area includes Berrien County, Van Buren County, and, to a lesser extent, Cass County, Michigan, all of which are located in southwestern Michigan near the border of Indiana, and portions of northern Indiana that are contiguous with Berrien and Cass Counties.

We offer a variety of deposit accounts, including checking accounts, NOW accounts, savings accounts, money market accounts and certificate of deposit accounts. We utilize advances from the FHLB-Indianapolis for asset/liability management purposes and, to a much lesser extent, for additional funding for our operations. At December 31, 2015, we had $8.0 million in advances outstanding with FHLB-Indianapolis.

Our results of operations depend primarily on our net interest income. Net interest income is the difference between the interest income we earn on our interest-earning assets and the interest we pay on our interest-bearing liabilities. Our results of operations also are affected by our provisions for loan losses, non-interest income and non-interest expense. Non-interest income currently consists primarily of service charges on deposit accounts, mortgage banking activities, gain on sales of securities, and miscellaneous other income. Non-interest expense currently consists primarily of expenses related to compensation and employee benefits, occupancy and equipment, data processing, federal deposit insurance premiums, interchange, professional fees, advertising and other operating expenses.

Our results of operations also may be affected significantly by general and local economic and competitive conditions, changes in market interest rates, governmental policies and actions of regulatory authorities.

Legacy Loan Losses

Prior to 2009, our previous management team engaged in significant non-owner occupied commercial real estate and speculative construction and land development lending, and relied on inadequate underwriting processes and controls in extending credit. In addition, weak economic conditions and ongoing strains in the financial and housing markets beginning in 2008 in many portions of the United States, including our market area, contributed to a challenging environment for financial institutions. Due to these adverse conditions, our market area experienced substantial declines in home prices, historically low levels of existing home sale activity, high levels of foreclosures and high levels of unemployment.

As a result of the economic conditions and loan origination practices by our previous management team, Edgewater Bank experienced unusually high levels of classified loans and charge-offs, particularly in speculative construction and land development loans in the years following 2009.

Business Strategy

We have branded and market Edgewater Bank as “The Real Local Bank” because we are the only remaining bank or savings association headquartered in St. Joseph, Michigan. Our principal objective is to continually develop our model of personalized customer service, localized decision-making, employee

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involvement and efficiency to become the financial institution of choice for more customers in our communities and to fulfill our corporate mission: “To Profitably Provide Complete Financial Solutions and Total Customer Satisfaction”.

Subject to market conditions and our asset-liability analysis, we expect to take advantage of unique opportunities presented by the geographic characteristics of our market area and our evolving customer base to increase our residential mortgage lending and our generation of low-cost core deposits. In order to diversify our portfolio and increase profitability, we also intend to develop a portfolio of commercial and industrial loans, including loans guaranteed by the SBA, and significantly increase our consumer loan portfolio. We will continue to originate commercial real estate loans secured by properties in our market area where we have or can develop a banking relationship with the borrower. We do not currently contemplate engaging in speculative construction and land development lending.

We intend to focus on relationship-based banking, rather than simply generating loan originations, and customer service, and will continue to hire additional personnel with residential, commercial and consumer lending experience, which we expect will allow us to develop a broader, more flexible array of residential, commercial and industrial and consumer loan products specifically suited to the customers and potential customers in our market area. In addition, we intend to develop and offer additional financial products targeted at business and individual customers who desire full service, “high touch” banking and a full complement of efficient electronic banking services.

We believe a disciplined approach to managing the size and diversification of our balance sheet, a renewed focus on personalized service to broaden customer relationships, a continued commitment to improving and managing asset quality, eliminating unproductive spending and enhancing our data processing and reporting technologies will enable us to operate efficiently and profitably and deliver attractive returns to our shareholders. Highlights of our current business strategy, subject to regulatory approval where applicable and market conditions, are set forth below.

Improve our asset quality by continuing to reduce loan delinquencies and classified loans and improving our risk profile through enhancements of our credit risk management systems and credit administration procedures. We are committed to actively monitoring and managing all segments of our loan portfolio in an effort to proactively identify and mitigate credit risks within our loan portfolio, with a particular focus on commercial real estate and commercial and industrial loans. We have implemented a policy of conducting both internal and external reviews of our loan portfolio designed to provide early detection of potential problem loans and timely resolution of non-performing and classified loans, and have tasked the credit administration department with conducting internal reviews and stress-testing.

Of the $1.6 million in classified assets as of December 31, 2015, $1.2 million were originated before January 2009. Of the $1.6 million in non-performing assets as of December 31, 2015, $1.4 million were originated before January 2009. Accordingly, we believe that our improved underwriting procedures have been effective in limiting classified and non-performing assets.

Prudently and opportunistically grow our assets and liabilities by increasing our presence in the communities we serve. We believe that in order to increase our income, we must focus on growing our loan portfolio. Our total assets increased $13.0 million, or 10.7%, to $135.4 million at December 31, 2015, from $122.3 million at December 31, 2014. Our total loan portfolio, before allowance for loan losses, increased $17.5 million, or 19.3%, to $108.0 million at December 31, 2015 from $90.5 million at December 31, 2014. To better serve and expand our customer base we intend to develop and continually review a pricing model that will attract prospective customers, particularly homeowners, high net worth individuals, and small- to medium-sized traditional commercial and industrial customers and professional organizations such as medical and dental practices, law firms and accounting firms.

Increase our focus on commercial and industrial and consumer lending in our market area, while continuing to originate commercial real estate and residential construction loans on a selective basis. Although residential mortgage lending historically has been and will continue to be the cornerstone of our lending operations, we believe that the impact of potential changes in market interest rates on residential mortgage loans may have on loan origination volume require a prudent approach to expanding our organic origination of commercial and industrial and consumer loans is essential not only to our profitability but also to the maintenance of a diverse and balanced loan portfolio. We will avoid significant

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concentrations within the loan portfolio, especially in non-owner occupied commercial real estate and speculative construction and land development loans.

Expand originations of residential real estate mortgage loans. We recognize that residential real estate mortgage lending is essential to maintaining customer relations and our status as a community-oriented bank, and also creates invaluable ties to the communities that we serve. We believe that our unique geographical market area on the shore of Lake Michigan, the increasing number of individuals from nearby urban areas such as Chicago, Indianapolis, and Detroit and the growing medical professional community present a significant opportunity for us to expand our residential mortgage lending activities in and around St. Joseph.

Continue to sell fixed-rate loans and retain variable rate and certain fixed-rate loans. During the year ended December 31, 2015, we originated $16.4 million of one to four-family residential real estate loans and sold $14.7 million for gains on sale of $279,000, and during the year ended December 31, 2014, we originated $15.3 million of one to four-family residential real estate loans for sale and sold $6.9 million for gains on sale of $141,000. We plan to maintain an appropriately sized portfolio of adjustable-rate one- to four-family residential real estate loans to meet the needs of borrowers in our market area, increase the yield of our loan portfolio as market interest rates rise, assist in the management of our interest rate risk and manage both the maturity of the loan portfolio and the time it takes for loans to reprice in accordance with their terms. We intend to sell the majority of the long-term fixed-rate residential mortgage loans on a servicing-retained basis in order to increase servicing fee income, recognize gains on sale and manage the overall maturity of our loan portfolio.

Increase our loan portfolio by initiating a warehouse line participation. We continue to expand our portfolio by partnering with another financial institution who funds 1-4 family residential mortgage loans. A line of credit is extended to a specific mortgage company that allows the company to fund and close the loan before the loan is sold and funded to a third party. The partner financial institution underwrites each individual mortgage with financing provided to the approved mortgage company for the origination and sale of the loan. A portion of each individual mortgage is assigned to the Company until the loan is sold on the secondary market. These loans typically are sold within 30 to 90 days. At December 31, 2015, we had $10.0 million in outstanding balances.

Continue to generate low-cost deposits within our market area. We offer checking, NOW, savings and money market deposit accounts (which we refer to as “core” deposits), which generally are lower cost sources of funds than certificates of deposit. At December 31, 2015, approximately 75.7% of our deposits were core deposits. We intend to pursue increased origination of these low cost deposits within our market area, with particular focus on transaction accounts, by implementing pro-active marketing and promotional programs, broadening banking relationships with lending customers, offering attractive interest rates, and offering competitive products to meet the needs of the varied demographic groups in our market areas, such as remote deposit capture for business customers, high-yield checking for higher balances, and low-cost overdraft for lower balances.

Enhance our menu of product offerings and continue to improve customer service to meet the demands of current customers and attract new customers in our market area. We expect to focus on existing customers and target potential customers to whom personalized, “high touch” service and customized products are more important than traditional factors such as the size or number of locations of the bank, including high net worth or high income individuals and professionals such as doctors, accountants, attorneys and small business owners. In order to attract and retain these customers, we intend to increase our consumer lending activities in the areas of automobile, watercraft, and recreational vehicle loans as well as home equity term loans and lines of credit; develop a broader, more flexible array of residential mortgage products, such as FHA, VA, rural development and jumbo mortgage loans; continue to expand our offering of investment products, enter into an arrangement with a third party to offer trust services; enhance the efficiency of technology-based services that we offer, including debit cards, internet banking, electronic bill pay, mobile banking, ACH services and wire services, and add additional services such as remote deposit capture; and offer extended customer service hours. We also intend to market packages of products and services that are tailored to meet the needs of specific customer groups, such as our “Professional Edge” package, which is designed for professional customers and includes preferred rates and fees, free consultation on investment services, and personalized assistance with transitioning from a customer’s current bank to Edgewater Bank.

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We intend to continue to pursue our business strategy, subject to changes necessitated by future market conditions, regulatory restrictions and other factors. We have adopted a strategic plan to achieve profitability to increase our earnings base, especially the size of our loan portfolio. Our strategic plan assumed that, beginning in 2015, we would not incur the same level of charge-offs, provisions for loan losses, write downs on real estate owned and losses on sales of real estate owned or expenses related to problem assets as we have in recent periods. However, the conversion has had a short-term adverse impact on our operating results, due to additional costs related to becoming a public company and increased compensation expenses associated with our employee stock ownership. In addition, growth of earning assets is essential to our future profitability, and we expect to incur expenses related to the implementation of our growth plan, including hiring initiatives and the development and marketing of new products and services. Accordingly, as we successfully implement our strategic plan, we do anticipate a continued return to profitability during 2016. We may not be able to successfully implement our strategic plan, and therefore may not return to profitability in the timeframe that we expect or at all.

Anticipated Increase in Noninterest Expense

Our noninterest expense is expected to increase because of the increased costs associated with operating as a public company, and the increased compensation expenses associated with the purchase of shares of common stock by our employee stock ownership plan and the possible implementation of one or more stock-based benefit plans, if approved by our stockholders. Finally, we expect that we will add additional lending staff, which will increase our compensation costs.

These costs are expected to be offset by reductions in expenses of approximately $260,000 per year related to our Decatur office, which we sold on January 24, 2014; expenses of approximately $50,000 per year related to the lease of our Buchanan office, which we sold and now lease from the buyer.

Critical Accounting Policies

The discussion and analysis of the financial condition and results of operations are based on our financial statements, which are prepared in conformity with generally accepted accounting principles used in the United States of America. The preparation of these financial statements requires management to make estimates and assumptions affecting the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities, and the reported amounts of income and expenses. We consider the accounting policies discussed below to be critical accounting policies. The estimates and assumptions that we use are based on historical experience and various other factors and are believed to be reasonable under the circumstances. Actual results may differ from these estimates under different assumptions or conditions, resulting in a change that could have a material impact on the carrying value of our assets and liabilities and our results of operations.

On April 5, 2012, the Jumpstart Our Business Startups Act of 2012 (the “JOBS Act”) was signed into law. The JOBS Act contains provisions that, among other things, reduce certain reporting requirements for qualifying public companies. As an “emerging growth company” we may delay adoption of new or revised accounting pronouncements applicable to public companies until such pronouncements are made applicable to private companies. We intend to take advantage of the benefits of this extended transition period. Accordingly, our financial statements may not be comparable to companies that comply with such new or revised accounting standards.

The following represent our critical accounting policies:

Allowance for Loan Losses. The allowance for loan losses is the estimated amount considered necessary to cover inherent, but unconfirmed, credit losses in the loan portfolio at the balance sheet date. The allowance is established through the provision for losses on loans which is charged against income. In determining the allowance for loan losses, management makes significant estimates and has identified this policy as one of our most critical accounting policies.

Management performs a quarterly evaluation of the allowance for loan losses. Consideration is given to a variety of factors in establishing this estimate including, but not limited to, current economic conditions, delinquency statistics, geographic and industry concentrations, the adequacy of the underlying collateral, the financial strength of the borrower, results of internal loan reviews and other relevant factors. This evaluation is inherently subjective as it requires material estimates that may be susceptible to significant change.

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The analysis has two components, specific and general allowances. The specific allowance is for unconfirmed losses related to loans that are determined to be impaired. Impairment is measured by determining the present value of expected future cash flows or, for collateral-dependent loans, the fair value of the collateral adjusted for market conditions and selling expenses. If the fair value of the loan is less than the loan’s carrying value, a charge is recorded for the difference. The general allowance, which is for loans reviewed collectively, is determined by segregating the remaining loans by type of loan, risk weighting (if applicable) and payment history. We also analyze historical loss experience, delinquency trends, general economic conditions and geographic and industry concentrations. This analysis establishes historical loss percentages and qualitative factors that are applied to the loan groups to determine the amount of the allowance for loan losses necessary for loans that are reviewed collectively. The qualitative component is critical in determining the allowance for loan losses as certain trends may indicate the need for changes to the allowance for loan losses based on factors beyond the historical loss history. Not incorporating a qualitative component could misstate the allowance for loan losses. Actual loan losses may be significantly more than the allowances we have established which could result in a material negative effect on our financial results.

Fair Value Measurements. The fair value of a financial instrument is defined as the amount at which the instrument could be exchanged in a current transaction between willing parties, other than in a forced or liquidation sale. The Bank estimates the fair value of a financial instrument and any related asset impairment using a variety of valuation methods. Where financial instruments are actively traded and have quoted market prices, quoted market prices are used for fair value. When the financial instruments are not actively traded, other observable market inputs, such as quoted prices of securities with similar characteristics, may be used, if available, to determine fair value. When observable market prices do not exist, the Bank estimates fair value. These estimates are subjective in nature an imprecision in estimating these factors can impact the amount of revenue or loss recorded. A more detailed description of the fair values measured at each level of the fair value hierarchy and the methodology utilized by the Bank can be found in Note 12 of the Financial Statements — “Disclosures About Fair Value of Assets and Liabilities.”

Comparison of Financial Condition at December 31, 2015 and December 31, 2014

Total Assets. Total assets increased by $13.0 million, or 19.5%, to $135.4 million at December 31, 2015 from $123.3 million at December 31, 2014. The increase was primarily the result of increases in loans of $17.5 million and, offset by decreases in interest-earning demand accounts of $2.7 million, available for sale securities of $1.0 million, Federal Home Loan Bank stock of $393,000, premises and equipment of $306,000 and other real estate of $205,000.

Net Loans. Net loans increased by $17.5 million, or 19.5%, to $107.0 million at December 31, 2014 from $89.5 million at December 31, 2014. During the year ended December 31, 2015 we originated $16.4 million of one- to four-family residential real estate loans, and sold $14.7 million in the secondary market. During the year ended December 31, 2015, one- to four-family residential real estate loans increased $49,000 or .1%, to $45.4 million at December 31, 2015 from $45.4 million at December 31, 2014, commercial real estate loans increased $4.5 million, or 16.0%, to $32.4 million from $27.9 million; construction and land loans increased $453,000, or 29.7%, to $2.0 million from $1.5 million; commercial and industrial loans increased $2.6 million, or 47.2% to $8.1 million at December 31, 2015 from $5.5 million at December 31, 2014, the warehouse line increased to $10 million at December 31, 2015 from zero at December 31, 2014, and consumer loans, including home equity loans and lines of credit, decreased $111,000, or 1.11%, to $10.1 million from $10.2 million. Decreases in loan balances reflect repayments in excess of originations and loan sales.

Investment Securities. Investment securities available for sale decreased $1.0 million, or 7.9%, to $11.7 million at December 31, 2015 from $12.7 million at December 31, 2014. Mortgage-backed securities including collateralized mortgage obligations, decreased $1.2 million, or 9.3%, to $3.2 million at December 31, 2015 from $4.4 million at December 31, 2014, and states and political subdivision securities decreased $802,000, or 23.9%, to $2.6 million at December 31, 2015 from $3.4 million at December 31, 2014. U.S. government and federal agency securities increased $985,000, or 19.9%, to $5.9 million at December 31, 2015 from $4.9 million at December 31, 2013. We purchased $1.0 million in U.S. government and federal agency securities during the year ended December 31, 2015. We did not sell any securities during

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2015 or 2014. The yield on our investment securities decreased to 1.37% at December 31, 2015 from 1.39% at December 31, 2014 as a result of the pay downs and decreased yields on securities during the period. Net unrealized losses on securities recognized in accumulated other comprehensive income decreased $3,000 to an unrealized loss of $14,000 at December 31, 2015 compared to a unrealized loss of $17,000 at December 31, 2014, reflecting an increase in interest rates during the period. At December 31, 2015, investment securities classified as available-for-sale consisted entirely of government-sponsored mortgage-backed securities, government-sponsored debentures, municipal securities, and U.S. government and agency securities with a focus on suitable government-sponsored securities to augment risk-based capital.

Real Estate Owned and Other Repossessed Assets. Real estate owned held for sale decreased $205,000, or 43.9% to $262,000 at December 31, 2015 from $467,000 at December 31, 2014, as we sold $299,000 of foreclosed properties and foreclosed on $99,000 of non-performing loans, recorded $5,000 valuation adjustments and $167 in net losses on sales. At December 31, 2015 our real estate owned included one commercial real estate property and residential lots, the largest of which was a commercial property with a carrying value of $202,000.

Deposits. Deposits increased by $14.8 million, or 15.1%, to $113.3 million at December 31, 2015 from $98.5 million at December 31, 2014. Our core deposits increased $14.2 million, or 19.8%, to $85.8 million at December 31, 2015 from $71.6 million at December 31, 2014. Certificates of deposit increased $656,000 or 2.4%, to $27.5 million at December 31, 2015 from $26.9 million at December 31, 2014. The sale of our Decatur office, on January 24, 2014, resulted in a decrease of approximately $13.3 million in deposits, including $8.4 million in core deposits and $4.9 million in certificates of deposit.

Federal Home Loan Bank Advances and Other Liabilities. Federal Home Loan Bank advances decreased $2.0 million, or 20%, to $8.0 million at December 31, 2015 from $10.0 million at December 31, 2014. We incurred $10.0 million in additional Federal Home Loan Bank advances in January, 2014 in order to fund the sale of our Decatur office that are now maturing and being paid off. Other liabilities which includes interest and accounts payable, customer escrow balances and accruals for items such as employee pension and insurance premiums were $672,000 on December 31, 2015 and $548,000 on December 31, 2014, a decrease of $125,000, or 22.8%.

Total Equity. Total equity increased $69,000, or .5%, to $13.3 million at December 31, 2015 from $13.3 million at December 31, 2014.

Comparison of Operating Results for the Years Ended December 31, 2015 and December 31, 2014

General. Net income for the year ended December 31, 2015 was $42,000, compared to net loss of $816,000 for the year ended December 31, 2014. The increase to net income was primarily due to increases in interest income on loans and an increase in income related to mortgage banking activities.

Interest and Dividend Income. Total interest and dividend income increased $655,000, or 15.8%, to $4.8 million for the year ended December 31, 2015 from $4.1 million for the year ended December 31, 2014. The increase was the result of a $709,000 increase in interest and fee income on loans receivable and a $55,000 decrease in interest on investment securities. Approximately, $119,000 of interest income was collected on a paid off nonaccrual loan. The average balance of loans during the year ended December 31, 2015 increased $13.3 million to $ 101.9 million for the year ended December 31, 2015 from $88.7 million for the year ended December 31, 2014, while the average yield on loans increased by 12 basis points to 4.49% for the year ended December 31, 2015 from 4.37% for the year ended December 31, 2014. The average balance of investment securities decreased $2.2 million to $11.8 million for the year ended December 31, 2015 from $14.0 million for the year ended December 31, 2014, and the yield on investment securities decreased by 2 basis points to 1.37% for the year ended December 31, 2015 from 1.39% for the year ended December 31, 2014. The slight decrease in average yield on securities was due to the pay downs of lower yielding securities, as well as our decision to manage liquidity by investing in shorter-term securities, which generally bear interest at a lower rate than longer-term securities.

Interest Expense. Total interest expense increased $43,000, or 8.8%, to $536,000 for the year ended December 31, 2015 from $493,000 for the year ended December 31, 2014. Interest expense on deposit accounts increased $24,000, or 6.2%, to $410,000 for the year ended December 31, 2015 from $386,000 for

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the year ended December 31, 2014. The increase was due to an average balance increase of $6.1 million, or 7.3% to $89.5 million for the year ended December 31, 2015 from $83.4 million for the year ended December 31, 2014. The average yield cost remained the same at .46% for the year ended December 31, 2015 and December 31, 2014.

Interest expense on Federal Home Loan Bank of Indianapolis advances increased $20,000, or 18.9%, to $126,000 for the year ended December 31, 2015 from $106,000 for the year ended December 31, 2014. The average balance of advances increased by $3.4 million to $13.0 million for the year ended December 31, 2015 from $9.6 million for the year ended December 31, 2014, as we borrowed funds for the loan growth that occurred.

Net Interest Income. Net interest income increased $612,000, or 16.8%, to $4.3 million for the year ended December 31, 2015 from $3.6 million for the year ended December 31, 2014. The increase resulted primarily from an increase of $655,000 in interest income offset by an increase of $43,000 in interest expense. Our average net interest-earning assets increased to $20.8 million for the year ended December 31, 2015 from $19.1 million for the year ended December 31, 2014, and our net interest rate spread increased to 3.37% for the year ended December 31, 2015 from 3.17% for the year ended December 31, 2014. Our net interest margin also increased to 3.46% for the year ended December 31, 2015 from 3.26% for the year ended December 31, 2014. The increase in our interest rate spread and net interest margin reflected primarily the $119,000 of interest income collected on a paid off nonaccrual loan An increase in interest rates and a decline in refinancing activity in future periods may materially decrease our income from residential mortgage banking activities and commercial real estate activities.

Provision for Loan Losses. Based on our analysis of the factors described in “Critical Accounting Policies — Allowance for Loan Losses,” we recorded a provision for loan losses of $65,000 for the year ended December 31, 2015, compared to a provision of $0 for the year ended December 31, 2014. The increase in the provision for loan losses for the year ended December 31, 2015 was largely the result of management’s estimates regarding losses that were both probable and reasonable to estimate as well as the volume increase in the loan portfolio. On December 31, 2015, the Bank’s classified assets decreased $1.7 million from December 31, 2014. The Bank was in a net charge off position of $65,000 which increased the allowance for loan losses. The allowance for loan losses was $1.1 million or 1.00% of total loans at December 31, 2015, compared to $1.1 million or 1.19% of total loans at December 31, 2014. Total nonperforming loans were $1.3 million at December 31, 2015 compared to $2.9 million at December 31, 2014. As a percentage of nonperforming loans, the allowance for loan losses was 81.4% at December 31, 2015 compared to 37.1% at December 31, 2014. At December 31, 2015 and 2014, $450,000 and $1.5 million of nonperforming loans were contractually current.

Non-Interest Income. Non-interest income increased $188,000, or 24.9% to $944,000 for the year ended December 31, 2015 from $787,000 for the year ended December 31, 2014. The increase was related to an increase of $198,000 in income related to mortgage banking activities, resulting from an increase in one-to-four family mortgage loan originations and sales, net of a decrease in service charge on deposits of $6,000. There was slightly decrease in other income of $3,000.

Non-Interest Expense. Non-interest expenses decreased $124,000, or 2.4%, to $5.1 million for the year ended December 31, 2015 from $5.2 million for the year ended December 31, 2014. The decrease primarily reflected a decrease of $55,000 in expenses related to real estate owned, a decrease of $85,000 in professional expenses, a decrease of $44,000 in FDIC insurance premium, and in occupancy and equipment expenses of $50,000 which was offset by an increase of $118,000 salaries and employee benefits and an increase in data processing of $26,000.

Average Balances and Yields. The following tables set forth average balance sheets, average yields and costs, and certain other information for the periods indicated. 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. The yields set forth below include the effect of net deferred costs, discounts and premiums that are accreted to interest income.

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	For the Year Ended December 31,
	2015								2014
	Average Outstanding Balance			Interest			Yield/ Rate(1)		Average Outstanding Balance			Interest			Yield/ Rate(1)
	(Dollars in thousands)
Interest-earning assets:
Loans		$	101,925		$	4,578		4.49%		$	88,650		$	3,870		4.37
Investment securities			11,805			162		1.37			13,977			195		1.39
Other interest-earning assets(1)			9,532			56		0.58			9,347			76		0.81
Total interest-earning assets			123,262			4,796		3.89			111,974			4,141		3.70
Noninterest-earning assets			7,357								7,281
Allowance for loan losses			(1,059)								(1,097)
Total assets		$	129,560							$	118,158
Interest-earning liabilities:
Demand deposits		$	27,296			103		0.38%		$	17,571			40		0.23
Money market accounts			20,299			58		0.29			22,858			66		0.29
Savings accounts			14,277			27		0.19			13,840			27		0.20
Certificates of deposit			27,608			222		0.80			29,091			253		0.87
Total deposits			89,480			410		0.46			83,360			386		0.46
FHLB-Indianapolis advances			12,993			126		0.97			9,564			107		1.11
Total interest-bearing liabilities			102,473			536		0.52			92,924			493		0.53
Noninterest-bearing demand deposits			13,800								12,525
Other noninterest-bearing liabilities			737								944
Total liabilities			117,010								106,393
Equity			12,550								11,765
Total liabilities and equity		$	129,560							$	118,158
Net interest income					$	4,260							$	3,648
Net interest spread(2)								3.37%								3.17%
Net interest-earning assets(3)		$	20,789							$	19,050
Net interest margin(4)								3.46%								3.26%
Average interest-earning assets to interest-bearing liabilities								120.29%								120.50%

(1)

Consists of stock in the FHLB-Indianapolis and interest bearing deposits in other banks.

(2)

Net interest 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 represents total interest-earning assets less total interest-bearing liabilities.

(4)

Net interest margin represents net interest income divided by average total interest-earning assets.

Rate/Volume Analysis

The following table presents the effects of changing rates and volumes on our net interest income for the periods indicated. The rate column shows the effects attributable to changes in rate (changes in rate multiplied by prior volume). The volume column shows the effects attributable to changes in volume

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(changes in volume multiplied by prior rate). The total column represents the sum of the prior columns. For purposes of this table, changes attributable to both rate and volume, which cannot be segregated, have been allocated to the changes due to volume and the changes due to rate in proportion to the relationship of the absolute dollar amounts of change in each.

	For the Years Ended December 31, 2015 vs. 2014									For the Years December 31, 2014 vs. 2013
	Increase (Decrease) Due to						Total Increase (Decrease)			Increase (Decrease) Due to						Total Increase (Decrease)
	Volume			Rate			Total Increase (Decrease)			Volume			Rate			Total Increase (Decrease)
	(Dollars in thousands)
Interest-earning assets:
Loans		$	594		$	114		$	708		$	124		$	(278)		$	(154)
Investment securities			(30)			(3)			(33)			(32)			5			(27)
Other interest-earning assets			1			(21)			(20)			(14)			—			(14)
Total interest-earning assets			565			90			655			78			(273)			(195)
Interest-bearing liabilities:
Demand deposit accounts			29			34			63			—			12			12
Money market accounts			(8)			—			(8)			(8)			—			(8)
Savings accounts			1			(1)			—			1			8			9
Certificates of deposit			(13)			(18)			(31)			(106)			(70)			(176)
Total deposits			9			15			(24)			(113)			(50)			(163)
FHLB of Indianapolis advances			34			(15)			19			74			23			97
Total interest-bearing liabilities			43			—			43			(39)			(27)			(66)
Change in net interest income		$	522		$	90		$	612		$	117		$	(246)		$	(129)

Management of Market Risk

General. Our most significant form of market risk is interest rate risk because, as a financial institution, the majority of our assets and liabilities are sensitive to changes in interest rates. Therefore, a principal part of our operations is to manage interest rate risk and limit the exposure of our financial condition and results of operations to changes in market interest rates. Our Asset-Liability Committee is responsible for evaluating 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 policy and guidelines approved by our board of directors.

Our asset/liability management strategy attempts to manage the impact of changes in interest rates on net interest income, our primary source of earnings. Among the techniques we use to manage interest rate risk are:

•

originating commercial and industrial, consumer and commercial real estate loans, all of which tend to have shorter terms and higher interest rates than one- to four-family residential real estate loans, and which generate customer relationships that can result in larger non-interest bearing checking accounts;

•

selling substantially all of our fixed-rate one- to four-family residential real estate loans that we originate and retaining certain fixed-rate loans and the majority of the adjustable-rate one- to four-family residential real estate loans that we originate, subject to market conditions and periodic review of our asset/liability management needs;

•

lengthening the weighted average maturity of our liabilities through retail deposit pricing strategies and through longer-term wholesale funding sources such as fixed-rate advances from the Federal Home Loan Bank of Indianapolis;

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•

reducing our dependence on the acquisition of certificates of deposits to support lending and investment activity;

•

investing in shorter- to medium-term investment securities; and

•

increasing non-interest income as a percentage of total income to decrease our reliance on net interest margin and interest rate spread.

Our Board of Directors is responsible for the review and oversight of our Asset/Liability Committee, which is comprised of our executive management team and other essential operational staff. This committee is charged with developing and implementing an asset/liability management plan, and meets at least quarterly to review pricing and liquidity needs and assess our interest rate risk. We currently utilize a third-party modeling program, prepared on a quarterly basis, to evaluate our sensitivity to changing interest rates, 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. In addition, we regularly perform a “gap analysis” of the discrepancy between the repricing of our assets and liabilities. We also engage a third party asset/liability advisor, who meets with our Asset/Liability Committee on a quarterly basis and with our Board of Directors at least annually.

Net Interest Income Analysis. We analyze our sensitivity to changes in interest rates through our net interest income simulation model which is provided to us by an independent third party. Net interest income is the difference between the interest income we earn on our interest-earning assets, such as loans and securities, and the interest we pay on our interest-bearing liabilities, such as deposits and borrowings. We estimate what our net interest income would be for a one-year period based on current interest rates. We then calculate what the net interest income would be for the same period under different interest rate assumptions. We also estimate the impact over a five year time horizon. The following table shows the estimated impact on net interest income for the one-year period beginning December 31, 2015 resulting from potential changes in interest rates. The model is run at least quarterly showing shocks from +400bp to -100bp, because a decline of greater than -100bp is currently improbable. These estimates require certain assumptions to be made, including loan and mortgage-related investment prepayment speeds, reinvestment rates, and deposit maturities and decay rates. These assumptions are inherently uncertain. As a result, no simulation model can precisely predict the impact of changes in interest rates on our net interest income. Although the net interest income table below provides an indication of our interest rate risk exposure at a particular point in time, such estimates are not intended to, and do not, provide a precise forecast of the effect of changes in market interest rates on our net interest income and will differ from actual results.

Rate Shift(1)	Net Interest Income Year 1 Forecast			Year 1 Change from Level
(In thousands)
+400		$	4,323		5.5%
+300			4,287		4.6%
+200			4,250		3.7%
+100			4,175		1.9%
Level			4,097		—
-100			4,016		-2.0%

(1)

The calculated changes assume an immediate shock of the static yield curve.

Certain shortcomings are inherent in the methodology used in the above interest rate risk measurement. Modeling changes in net portfolio value requires making certain assumptions that may or may not reflect the manner in which actual yields and costs respond to changes in market interest rates. In this regard, the tables presented assume that the composition of our interest-sensitive assets and liabilities existing at the beginning of a period remains constant over the period being measured and assumes that a particular change in interest rates is reflected uniformly across the yield curve regardless of the duration or repricing of specific assets and liabilities. The tables also do not measure the changes in credit and liquidity risk that may occur as a result of changes in general interest rates. Accordingly, although the tables provide

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an indication of our interest rate risk exposure at a particular point in time, such measurements are not intended to and do not provide a precise forecast of the effect of changes in market interest rates on our economic value of equity and will differ from actual results.

In order to monitor and manage interest rate risk, we also use the net present value of equity at risk (“NPV”) methodology. This methodology calculates the difference between the present value of expected cash flows from assets and liabilities. The comparative scenarios assume an immediate parallel shifts in the yield curve in increments of 100 basis point (bp) rate movements. A basis point equals one-hundredth of one percent, and 100 basis points equals one percent. An increase in interest rates from 3% to 4% would mean, for example, a 100 basis point increase in the “Change in Interest Rates” column below. The model is run at least quarterly showing shocks from +300bp to -100bp, because a decline of greater than -100bp is currently improbable. The Board of Directors and management review the methodology’s measurements on a quarterly basis.

The interest rate scenarios are used for analytical purposes and do not necessarily represent management’s view of future market movements. Results of the modeling are used to provide a measure of the degree of volatility interest rate movements may influence our earnings. Modeling the sensitivity of earnings to interest rate risk is decidedly reliant on numerous assumptions embedded in the model. These assumptions include, but are not limited to, management’s best assessment of the effect of changing interest rates on the prepayment speeds of certain assets and liabilities, projections for account balances in each of the product lines offered and the historical behavior of deposit rates and balances in relation to changes in interest rates. These assumptions are inherently changeable, and as a result, the model is not expected to precisely measure net interest income or precisely predict the impact of fluctuations in interest rate on net interest income. Actual results will differ from the simulated results due to timing, magnitude, and frequency of interest rate changes as well as changes in market conditions. Assumptions are supported with annual back testing of the model to actual market rate shifts.

The table below sets forth, as of December 31, 2015, the estimated changes in the net present value of equity that would result from the designated changes in the United States Treasury yield curve under an instantaneous parallel shift for Edgewater Bank. Computations of prospective effects of hypothetical interest rate changes are based on numerous assumptions including relative levels of market interest rates, loan prepayments and deposit decay, and should not be relied upon as indicative of actual results.

At December 31, 2015
				Estimated Increase (Decrease) in EVE					EVE as Percentage of Economic Value of Assets(3)
Changes in Interest Rates (basis points)(1)	Estimated EVE(2)			Amount			Percent		EVE Ratio		Changes in Basis Points
(In thousands)
+300		$	13,136		$	(1,263)		(8.8)%		10.03%		(0.56)
+200			13,582			(817)		(5.7)		10.24		(0.35)
+100			14,009			(390)		(2.7)		10.43		(0.16)
Level			14,399			—		—		10.59		—
-100			14,840			440		3.1		10.80		0.21

(1)

Assumes instantaneous parallel changes in interest rates.

(2)

EVE or Economic Value of Equity at Risk measures the Bank’s exposure to equity due to changes in a forecast interest rate environment.

(3)

EVE Ratio represents Economic Value of Equity divided by the economic value of assets which should translate into built in stability for future earnings.

The table above indicates that at December 31, 2015, in the event of an instantaneous parallel 100 basis point decrease in interest rates, we would experience a 3.1% increase in net portfolio value. In the event of an instantaneous 100 basis point increase in interest rates, we would experience a 2.7% decrease in net portfolio value.

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Depending on the relationship between long-term and short-term interest rates, market conditions and consumer preference, we may place greater emphasis on maximizing our net interest margin than on strictly matching the interest rate sensitivity of our assets and liabilities. We believe that the increased net income which may result from an acceptable mismatch in the actual maturity or re-pricing of our assets and liabilities can, during periods of declining or stable interest rates, provide sufficient returns to justify an increased exposure to sudden and unexpected increases in interest rates. We believe that our level of interest rate risk is acceptable using this approach.

We do not engage in hedging activities, such as engaging in futures, options or swap transactions, or investing in high-risk mortgage derivatives, such as collateralized mortgage obligation residual interests, real estate mortgage investment conduit residual interests or stripped mortgage backed securities.

Liquidity and Capital Resources

Liquidity describes our ability to meet the financial obligations that arise in the ordinary course of business. Liquidity is primarily needed to meet the borrowing and deposit withdrawal requirements of our customers and to fund current and planned expenditures. Our primary sources of funds are deposits, principal and interest payments on loans and securities, proceeds from the sale of loans, and proceeds from maturities and calls of securities. We also have the ability to borrow from the FHLB-Indianapolis. At December 31, 2015, we had the capacity to borrow approximately $12.4 million from the FHLB-Indianapolis and an additional $2 million on a line of credit with the FHLB-Indianapolis with an additional $2 million line of credit with United Bankers Bank. We drew $10.0 million in January 2014 to fund the sale of the Decatur office, and at December 31, 2015 and December 31, 2014, we had $8.0 million and $10.0 respectively, outstanding in advances from the FHLB-Indianapolis.

While maturities and scheduled amortization of loans and securities are predictable sources of funds, deposit flows and loan prepayments are greatly influenced by general interest rates, economic conditions, and competition. Our most liquid assets are cash and short-term investments including interest-bearing demand deposits. The levels of these assets are dependent on our operating, financing, lending, and investing activities during any given period.

Our cash flows are comprised of three primary classifications: cash flows from operating activities, investing activities, and financing activities. Net cash provided (used) in operating activities was $781,000 and ($267,000) for the years ended December 31, 2015 and December 31, 2014, respectively. Net cash used by investing activities, which consists primarily of disbursements for loan originations and the purchase of securities, offset by principal collections on loans, proceeds from maturing securities and pay downs on mortgage-backed securities and sale of the Decatur branch, was ($16.2 million) and $(12.7 million) for the years ended December 31, 2015 and December 31, 2014, respectively. During the years ended December 31, 2015 and December 31, 2014, we purchased $1 million and $0, respectively and sold no securities in 2015 and 2014, in securities held as available-for-sale. We sold the Decatur branch using $13.3 million to fund the deposit and facility sale during the year ended December 31, 2014. Net cash provided by financing activities, consisting primarily of the activity in deposit accounts and Federal Home Loan Bank advances, and escrow deposits for the stock conversion was $12.8 million and $16.1 million for the years ended December 31, 2015 and December 31, 2014, respectively, resulting from our strategy of managing growth to preserve capital ratios and reduce expenses.

We are committed to maintaining a strong liquidity position. We monitor our liquidity position on a daily basis. We anticipate that we will have sufficient funds to meet our current funding commitments. Based on our deposit retention experience and current pricing strategy, we anticipate that a significant portion of maturing time deposits will be retained.

At December 31, 2015, we exceeded all of our regulatory capital requirements with a Tier 1 leverage capital level of $12.6 million, or 9.42% of adjusted total assets, which is above the required level of $6.7 million, or 5.00%; Common equity Tier 1 and Tier 1 capital level of $12.6 million or 14.16% to risk-weighted assets which is above the required level of $5.8 million or 6.50% and $7.1 million or 8.00%, respectively and total risk-based capital of $13.7 million, or 15.37% of risk-weighted assets, which is above the required level of $8.9 million, or 10.00%. At December 31, 2014, we exceeded all of our regulatory capital requirements with a tier 1 leverage capital level of $12.3 million, or 10.03% of adjusted total assets,

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which is above the required level of $6.1 million, or 5.00%; and total risk-based capital of $13.2 million, or 17.87% of risk-weighted assets, which is above the required level of $7.4 million, or 10.00%. Accordingly, Edgewater Bank was categorized as well capitalized at December 31, 2015 and December 31, 2014. Management is not aware of any conditions or events since the most recent notification that would change our category.

Off-Balance Sheet Arrangements and Aggregate Contractual Obligations

Commitments. As a financial services provider, we routinely are a party to various financial instruments with off-balance-sheet risks, such as commitments to extend credit and unused lines of credit. While these contractual obligations represent our future cash requirements, a significant portion of commitments to extend credit may expire without being drawn upon. Such commitments are subject to the same credit policies and approval process accorded to loans we make. At December 31, 2015, we had outstanding commitments to originate loans of $6.5 million, unused lines of credit totaling $12.4 million, and stand-by letters of credit of $80,000. We anticipate that we will have sufficient funds available to meet our current lending commitments. Certificates of deposit that are scheduled to mature in less than one year from December 31, 2015 totaled $16.2 million. Management expects that a substantial portion of the maturing certificates of deposit will be renewed. However, if a substantial portion of these deposits is not retained, we may utilize Federal Home Loan Bank advances or raise interest rates on deposits to attract new accounts, which may result in higher levels of interest expense.

Contractual Obligations. In the ordinary course of our operations, we enter into certain contractual obligations. Such obligations include data processing services, operating leases for premises and equipment, agreements with respect to borrowed funds and deposit liabilities.

Recent Accounting Pronouncements

Please refer to Note 1 to the Consolidated Financial Statements for the years ended December 31, 2015 and 2014 beginning on page F-1 for a description of recent accounting pronouncements that may affect our financial condition and results of operations.

Impact of Inflation and Changing Price

The financial statements and related data presented herein have been prepared in accordance with generally accepted accounting principles in the United States of America which require the measurement of financial position and operating results in terms of historical dollars without considering changes in the relative purchasing power of money over time due to inflation. The primary impact of inflation on our operations is reflected in increased operating costs. Unlike most industrial companies, virtually all of the assets and liabilities of a financial institution are monetary in nature. As a result, interest rates, generally, have a more significant impact on a financial institution’s performance than does inflation. Interest rates do not necessarily move in the same direction or to the same extent as the prices of goods and services.

ITEM 7A.

Quantitative and Qualitative Disclosures about Market Risk

Not required for smaller reporting companies.

ITEM 8.

Financial Statements and Supplementary Data

The Company’s Consolidated Financial Statements are presented in this Annual Report on Form 10-K beginning at page F-1 and are incorporated here by reference.

ITEM 9.

Changes in and Disagreements with Accountants on Accounting and Financial Disclosure

None.

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ITEM 9A. Controls and Procedures

(a) Disclosure Controls and Procedures. An evaluation was performed under the supervision and with the participation of the Company’s management, including the President and Chief Executive Officer and the Senior Vice President and Chief Financial Officer, of the effectiveness of the design and operation of the Company’s disclosure controls and procedures (as defined in Rule 13a-15(e) promulgated under the Securities and Exchange Act of 1934, as amended) as of December 31, 2015. Based on that evaluation, the Company’s management, including the President and Chief Executive Officer and the Senior Vice President and Chief Financial Officer, concluded that the Company’s disclosure controls and procedures were effective.

(b) Internal Control Over Financial Reporting.

The management of the Company is responsible for establishing and maintaining adequate internal control over financial reporting. The internal control process has been designed under our supervision to provide reasonable assurance regarding the reliability of financial reporting and the preparation of the Company’s financial statements for external reporting purposes in accordance with accounting principles generally accepted in the United States of America.

There have been no significant changes in our internal control over financial reporting during the quarter ended December 31, 2015, that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.

Our management is responsible for establishing and maintaining adequate internal control over financial reporting, as such term is defined in Exchange Act Rules 13a-15(f). There are inherent limitations in the effectiveness of any system of internal control. Accordingly, even an effective system of internal control can provide only reasonable assurance with respect to financial statement preparation.

Under the supervision and with the participation of our management, including our Chief Executive Officer and Chief Financial Officer, we conducted an evaluation of the effectiveness of our internal control over financial reporting as of December 31, 2015. This evaluation was based on criteria for effective internal control over financial reporting described in Internal Control — Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission (“COSO”). Based on our evaluation under the COSO framework, our management concluded that our internal control over financial reporting was effective as of December 31, 2015.

This annual report does not include an attestation report of the Company’s independent registered public accounting firm regarding internal control over financial reporting. Management’s report was not subject to attestation by the Company’s independent registered public accounting firm pursuant to the rules of the Securities and Exchange Commission that permit the Company to provide only management’s report in this annual report.

March 29, 2016

REPORT BY EDGEWATER BANCORP, INC.’S MANAGEMENT
ON INTERNAL CONTROL OVER FINANCIAL REPORTING

Management is responsible for establishing and maintaining an effective system of internal control over financial reporting that is designed to produce reliable financial statements presented in conformity with generally accepted accounting principles. There are inherent limitations in the effectiveness of any system of internal control. Accordingly, even an effective system of internal control can provide only reasonable assurance with respect to financial statement preparation.

Management assessed the Company’s system of internal control over financial reporting that is designed to produce reliable financial statements presented in conformity with generally accepted accounting principles as of December 31, 2015. This assessment was based on criteria for effective internal control over financial reporting described in Internal Control — Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission. Based on this assessment,

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management believes that, as of December 31, 2015, Edgewater Bancorp, Inc. maintained an effective system of internal control over financial reporting that is designed to produce reliable financial statements presented in conformity with generally accepted accounting principles based on those criteria.

Edgewater Bancorp, Inc.

	By:			/s/ Richard E. Dyer Richard E. Dyer President and Chief Executive Officer
	By:			/s/ Coleen S. Frens-Rossman Coleen S. Frens-Rossman Senior Vice President and Chief Financial Officer

ITEM 9B. Other Information

None.

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PART III

ITEM 10.

Directors, Executive Officers and Corporate Governance

The information presented under the caption “Proposal I — Election of Directors”, in our definitive Proxy Statement for our May 10, 2016 Annual Meeting of Stockholders (the “Proxy Statement”), a copy of which will be filed with the Securities and Exchange Commission, is incorporated here by reference.

Executive Officers of Edgewater Bancorp and Edgewater Bank

The following table sets forth information regarding the executive officers of Edgewater Bancorp and Edgewater Bank. Age information is as of December 31, 2015. The executive officers of Edgewater Bancorp and Edgewater Bank are elected annually.

Name	Age	Position
Richard E. Dyer	57	President and Chief Executive Officer
Coleen S. Frens-Rossman	55	Senior Vice President and Chief Financial Officer

ITEM 11.

Executive Compensation

The information presented under the captions “Executive Officer Compensation”, “Director Compensation” and “Director Fees” in the Proxy Statement is incorporated here by reference.

ITEM 12.

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

(a) and (b) Security Ownership of Certain Beneficial Owners and Management.

The information presented under the caption “Voting Securities and Principal Holders” in the Proxy Statement is incorporated here by reference.

(c) Change in Control. Management of the Company knows of no arrangements, including any pledge by any person of securities of the Company, the operation of which may at a subsequent date result in a change in control of the registrant.

(d) Equity Compensation Plans.

We do not have any compensation plans under which equity securities are authorized for issuance.

ITEM 13.

Certain Relationships and Related Transactions and Director Independence

The information presented under the captions “Transactions With Certain Related Persons” and “Board and Committee Independence” in the Proxy Statement is incorporated here by reference.

ITEM 14.

Principal Accountant Fees and Services

The information presented under the caption “Proposal II — Ratification of Appointment of Independent Registered Public Accounting Firm” in the Proxy Statement is incorporated here by reference.

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PART IV

ITEM 15.

Exhibits and Financial Statement Schedules

(a)(1) Financial Statements

The documents filed as a part of this Form 10-K are:

(A) Report of Independent Registered Public Accounting Firm;

(B) Consolidated Balance Sheets — December 31, 2015 and 2014;

(D) Consolidated Statements of Comprehensive Income (Loss) — years ended December 31, 2015 and 2014;

(E) Consolidated Statements of Change in Stockholders’ Equity — years ended December 31, 2015 and 2014;

(F) Consolidated Statements of Cash Flows — years ended December 31, 2015 and 2014;

(G) Notes to Consolidated Financial Statements.

(a)(2) Financial Statement Schedules

All financial statement schedules have been omitted as the required information is inapplicable or has been included in the Notes to Consolidated Financial Statements.

(b) Exhibits

	3.1			Articles of Incorporation of Edgewater Bancorp, Inc., incorporated by reference to Exhibit 3.1 to the Registration Statement on Form S-1 (file no. 333-191125), initially filed by Edgewater Bancorp, Inc. on September 12, 2013.
	3.2			Bylaws of Edgewater Bancorp, Inc., incorporated by reference to Exhibit 3.2 to the Registration Statement on Form S-1 (file no. 333-191125), initially filed by Edgewater Bancorp, Inc. on September 12, 2013.
	4			Form of Common Stock Certificate of Edgewater Bancorp, Inc, incorporated by reference to Exhibit 4 to the Registration Statement on Form S-1 (file no. 333-191125), initially filed by Edgewater Bancorp, Inc. on September 12, 2013.
	10.1*			Employee Stock Ownership Plan , incorporated by reference to Exhibit 10.1 to the Registration Statement on Form S-1 (file no. 333-191125), initially filed by Edgewater Bancorp, Inc. on September 12, 2013.
	10.2*			Amended and Restated Employment Agreement between Edgewater Bank and Richard E. Dyer dated as of August 19, 2015, incorporated by reference to Exhibit 10.1 to the Edgewater Bancorp, Inc. Current Report on Form 8-K dated August 19, 2015.
	10.3 *			Amended and Restated Employment Agreement between Edgewater Bank and Coleen S. Frens-Rossman dated as of August 19, 2015, incorporated by reference to Exhibit 10.2 to the Edgewater Bancorp, Inc. Current Report on Form 8-K dated August 19, 2015.
	21			Subsidiaries of Registrant, incorporated by reference to Exhibit 21 to the Registration Statement on Form S-1 (file no. 333-191125) initially filed by Edgewater Bancorp, Inc. on September 12, 2013.
	23			Consent of BKD, LLP
	31.1			Certification required pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
	31.2			Certification required pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
	32.1			Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
	101**			The following materials from the Company’s Annual Report on Form 10-K for the year ended December 31, 2015, formatted in XBRL (Extensible Business Reporting Language): (i) Consolidated Balance Sheets; (ii) Consolidated Statements of Income; (iii) Consolidated

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Statements of Comprehensive Income; (iv) Consolidated Statements of Stockholders Equity; (v) Consolidated Statements of Cash Flows; and (vi) Notes to Consolidated Financial Statements.

Management contract or compensatory agreement or arrangement.

Pursuant to Rule 406T of Regulation S-T, the Interactive Data Files on Exhibit 101 hereto are deemed not filed or part of a registration statement or prospectus for purposes of Sections 11 or 12 of the Securities Act of 1933, as amended, are deemed not filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, and otherwise are not subject to liability under these sections.

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Edgewater Bancorp, Inc.

Report of Independent Registered Public Accounting Firm
and Consolidated Financial Statements

December 31, 2015 and 2014

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Report of Independent Registered Public Accounting Firm

Audit Committee, Board of Directors and Stockholders
Edgewater Bancorp, Inc.
St. Joseph, Michigan

We have audited the accompanying consolidated balance sheets of Edgewater Bancorp, Inc. as of December 31, 2015 and 2014, and the related consolidated statements of operations, comprehensive income (loss), stockholders’ equity and cash flows for the years then ended. The Company’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 audits to obtain reasonable assurance about whether the financial statements are free of material misstatement. The Company is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. Our audits included consideration of internal control over financial reporting as a basis for designing auditing procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Company’s internal control over financial reporting. Accordingly, we express no such opinion. Our audits also included examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by management and evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of Edgewater Bancorp, Inc. as of December 31, 2015 and 2014, and the results of its operations and its cash flows for the years then ended, in conformity with accounting principles generally accepted in the United States of America.

BKD, LLP

Fort Wayne, Indiana
March 29, 2016

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Edgewater Bancorp, Inc.

Consolidated Balance Sheets
December 31, 2015 and 2014

	December 31, 2015			December 31, 2014
Assets
Cash and due from banks		$	877,780		$	763,968
Interest-earning demand accounts			10,029,113			12,680,629
Cash and cash equivalents			10,906,893			13,444,597
Available-for-sale securities			11,713,738			12,718,065
Loans held for sale			—			48,300
Loans receivable, net of allowance for losses of $1,075,374 and $1,075,351, respectively			106,955,455			89,479,525
Premises and equipment, net			3,606,170			3,912,291
Federal Home Loan Bank (FHLB) stock			686,200			1,078,900
Other real estate, net			262,100			467,000
Interest receivable			314,174			302,777
Mortgage servicing right			408,715			432,105
Other assets			521,943			460,562
Total assets		$	135,375,388		$	122,344,122
Liabilities and Stockholders’ Equity
Liabilities
Deposits
Noninterest bearing		$	13,940,853		$	11,730,674
Interest-bearing			99,390,003			86,762,438
Total deposits			113,330,856			98,493,112
Federal Home Loan Bank advances			8,000,000			10,000,000
Accrued and other liabilities			672,470			547,550
Total liabilities			122,003,326			109,040,662
Commitments and Contingencies
Temporary Equity
ESOP shares subject to mandatory redemption			46,197			22,193
Stockholders’ Equity
Preferred Stock-shares authorized 5,000,000: none issued or outstanding at $.01 par value			—			—
Common Stock-shares authorized 50,000,000: shares issued and outstanding 667,898 at $.01 par value			6,679			6,679
Paid-in-capital			4,683,434			4,683,434
Retained earnings			8,650,052			8,607,914
Accumulated other comprehensive loss			(14,300)			(16,760)
Total equity			13,325,865			13,281,267
Total liabilities and stockholders’ equity		$	135,375,388		$	122,344,122

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

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Edgewater Bancorp, Inc.

Consolidated Statements of Operations
Years Ended December 31, 2015 and 2014

	December 31,
	2015			2014
Interest Income
Loans, including fees		$	4,578,300		$	3,869,586
Debt securities
Taxable			117,293			146,015
Tax-exempt			44,689			48,688
Federal Home Loan Bank stock			36,735			59,019
Other			18,720			17,231
Total interest income			4,795,737			4,140,539
Interest Expense
Deposits			410,222			386,137
Federal Home Loan Bank advances			125,664			106,463
Total interest expense			535,886			492,600
Net Interest Income			4,259,851			3,647,939
Provision for loan losses			65,000			—
Net Interest Income After Provision for Loan Losses			4,194,851			3,647,939
Noninterest Income
Service charges, deposits			376,218			382,506
Mortgage banking activities			451,036			253,258
Other			117,181			120,680
Total noninterest income			944,435			756,444
Noninterest Expense
Salaries and employee benefits			2,641,966			2,523,934
Occupancy and equipment			776,886			827,111
Data processing			553,075			526,768
(Gain) loss on sale of other real estate, net			5,167			(2,266)
Interchange			95,221			79,571
Advertising			73,332			90,520
FDIC insurance premiums			106,764			151,301
Other real estate			27,311			82,223
Professional fees			491,195			576,232
Insurance			59,355			76,371
Other			266,876			288,891
Total noninterest expense			5,097,148			5,220,656
Income (Loss) Before Income Taxes			42,138			(816,273)
Provision for Income Taxes			—			—
Net Income (Loss)		$	42,138		$	(816,273)
Basic and Diluted Income (Loss) Per Share		$	0.07		$	(1.38)

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

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Edgewater Bancorp, Inc.

Consolidated Statements of Comprehensive Income (Loss)
Years Ended December 31, 2015 and 2014

	2015			2014
Net Income (Loss)		$	42,138		$	(816,273)
Other Comprehensive Income
Net change in unrealized gains on investment securities available for sale			2,460			118,496
Less: reclassification adjustment for realized gains (losses) included in net income (loss)			—			—
Other comprehensive income before income tax			2,460			118,496
Tax expense (benefit), net of deferred tax asset valuation impact of ($836) and ($40,289), respectively			—			—
Comprehensive Income (Loss)		$	44,598		$	(697,777)

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

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Edgewater Bancorp, Inc.

Consolidated Statements of Changes in Stockholders’ Equity
Years Ended December 31, 2015 and 2014

	Shares		Common Stock			Paid-in Capital			Retained Earnings			Accumulated Other Comprehensive Loss			Total
Balance at January 1, 2014		—		$	—		$	—		$	9,424,187		$	(135,256)		$	9,288,931
Issuance of common stock, net of offering costs		667,898			6,679			4,683,434			—			—			4,690,113
Net loss		—			—			—			(816,273)			—			(816,273)
Other comprehensive income		—			—			—			—			118,496			118,496
Balance at December 31, 2014		667,898			6,679			4,683,434			8,607,914			(16,760)			13,281,267
Net income		—			—			—			42,138			—			42,138
Other comprehensive income		—			—			—			—			2,460			2,460
Balance at December 31, 2015		667,898		$	6,679		$	4,683,434		$	8,650,052		$	(14,300)		$	13,325,865

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

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Edgewater Bancorp, Inc.

Consolidated Statement of Cash Flows
Years Ended December 31, 2015 and 2014

	2015			2014
Operating Activities
Net income (loss)		$	42,138		$	(816,273)
Items not requiring (providing) cash
Depreciation and amortization			430,079			466,839
Provision for loan losses			65,000			—
Net amortization of available-for-sale securities			97,367			116,047
ESOP shares earned			24,004			22,193
Change in fair value of mortgage servicing rights			31,017			33,978
(Gain) loss on sale of other real estate			5,167			(2,266)
Amortization of mortgage servicing rights			123,011			106,819
Loans originated for sale			(14,701,610)			(6,887,612)
Proceeds from loans sold			14,898,145			6,921,030
Gain on sale of loans			(278,873)			(141,450)
(Gain) loss on sale of premises and equipment			(6,424)			18,631
Change in
Interest receivable and other assets			(72,779)			37,639
Interest payable and other liabilities			124,920			(142,906)
Net cash provided by (used in) operating activities			781,162			(267,331)
Investing Activities
Purchases of available-for-sale securities			(999,000)			—
Proceeds from calls and maturities of available-for-sale securities			1,908,420			2,877,924
Proceeds sale of FHLB Stock			392,700			329,300
Net change in loans			(17,639,930)			(3,774,831)
Proceeds from sale of other real estate			298,733			1,091,406
Payment for sale of branch, net			—			(13,327,513)
Proceeds from sale of premises and equipment			47,035			220,823
Purchases of premises and equipment			(164,569)			(144,894)
Net cash used in investing activities			(16,156,611)			(12,727,785)
Financing Activities
Net change in deposits			14,837,745			3,749,599
Proceeds from stock conversion escrow			—			2,368,038
Proceeds from short term Federal Home Loan Bank advances			11,100,000			3,000,000
Proceeds from long term Federal Home Loan Bank advances			—			8,000,000
Repayment of short term Federal Home Loan Bank advances			(13,100,000)			(1,000,000)
Net cash provided by financing activities			12,837,745			16,117,637
Net Change in Cash and Cash Equivalents			(2,537,704)			3,122,521
Cash and Cash Equivalents, Beginning of Period			13,444,597			10,322,076
Cash and Cash Equivalents, End of Period		$	10,906,893		$	13,444,597
Additional Cash Flows Information:
Interest paid		$	536,005		$	487,376
Loans transferred to other real estate			99,000			387,344
Capitalization of mortgage serving rights			130,638			59,732

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

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Edgewater Bancorp, Inc.

Notes to Consolidated Financial Statements
December 31, 2015 and 2014

Note 1: Nature of Operations and Summary of Significant Accounting Policies

Nature of Operations and Conversion

Edgewater Bank, a federally chartered stock savings association (the “Bank”) is primarily engaged in providing a full range of banking and financial services to individual and corporate customers in the Berrien, Van Buren and to a lesser extent Cass Counties, Michigan. The Bank is subject to competition from other financial institutions. The Bank is subject to the regulation of the certain federal and state agencies and undergoes periodic examinations by those regulatory authorities.

The Banks’s wholly-owned subsidiaries, Explorer Financial Service Corporation (EFSC) and Edgewater Insurance Agency, Inc. (EIA) are included in the consolidated financial statements. EFSC is primarily engaged in providing title insurance services and EIA is used to collect premiums and receive commissions for insurance related benefits the Bank offers its employees.

On January 16, 2014, in accordance with a Plan of Conversion and Reorganization, the Bank completed a mutual-to-stock conversion pursuant to which the Bank became the wholly owned subsidiary of Edgewater Bancorp, Inc. (the “Company”), a Maryland stock holding corporation. In connection with the Conversion, the Company sold 667,898 shares of common stock, at an offering price of $10 per share. The Company’s stock began being quoted on the OTC Bulletin Board on January 17, 2014 under the symbol “EGDW,” and is currently quoted on the OTCQB operated by OTC Markets Group, Inc. under the symbol “EGDW.”

The net proceeds from the stock offering, net of offering costs of approximately $1,455,000, amounted to approximately $4,690,000.

Also, in connection with the Conversion, the Bank established an employee stock ownership plan (the “ESOP”), which purchased 53,431 shares of the Company’s common stock at a price of $10 per share.

In accordance with the OCC regulations, at the time of the Conversion of the mutual bank to a stock holding company, the Company was required to substantially restrict retained earnings by establishing a liquidation account and the Bank established a parallel liquidation account. The liquidations account will be maintained for the benefit of eligible holders who continue to maintain their accounts at the Bank after conversion. The liquidation account will be reduced annually to the extent that eligible account holders have reduced their qualifying deposits. Subsequent increases will not restore an eligible account holders’ interest in the liquidation account. In the event of a complete liquidation of the Bank, and only in such event, each account holder will be entitled to receive a distribution from the liquidation account in an amount proportionate to the adjusted qualifying account balances then held. The Bank may not pay dividends if those dividends would reduce equity capital below the required liquidation account amount.

Principles of Consolidation

The consolidated financial statements include the accounts of the Company and its subsidiary. All significant intercompany accounts and transactions have been eliminated in consolidation.

Use of Estimates

The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America 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 date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.

Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses and fair values of financial instruments.

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Cash and Cash Equivalents

The Company considers all liquid investments with original maturities of three months or less to be cash equivalents. At December 31, 2015 and 2014, the Company had no cash equivalents.

At December 31, 2015, none of the Company’s cash accounts at nonfederal government or governmental related entities exceeded federally insured limits, which is $250,000 per covered institution.

Securities

Certain debt securities that management has the positive intent and ability to hold to maturity are classified as “held to maturity” and recorded at amortized cost. Securities not classified as held to maturity, including equity securities with readily determinable fair values, are classified as “available-for-sale” and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method.

For debt securities with fair value below amortized cost when the Company does not intend to sell a debt security, and it is more likely than not the Company will not have to sell the security before recovery of its cost basis, it recognizes the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income. For held-to-maturity debt securities, the amount of an other-than-temporary impairment recorded in other comprehensive income for the noncredit portion of a previous other-than-temporary impairment is amortized prospectively over the remaining life of the security on the basis of the timing of future estimated cash flows of the security.

Federal Home Loan Bank Stock

Federal Home Loan Bank stock is a required investment for institutions that are members of the Federal Home Loan Bank system. The required investment in the common stock is based on a predetermined formula, carried at cost and evaluated for impairment.

Loans Held for Sale

Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or fair value in the aggregate. Net unrealized losses, if any, are recognized through a valuation allowance by charges to noninterest income. Gains and losses on loan sales are recorded in noninterest income, and direct loan origination costs and fees are deferred at origination of the loan and are recognized in noninterest income upon sale of the loan.

Loans

Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoffs are reported at their outstanding principal balances adjusted for unearned income, charge-offs, the allowance for loan losses, any unamortized deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans.

For loans amortized at cost, interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, as well as premiums and discounts, are deferred and amortized as a level yield adjustment over the respective term of the loan.

The accrual of interest on loans is discontinued at the time the loan is 90 days past due unless the credit is well-secured and in process of collection. Past-due status is based on contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful. There were no changed in the Company’s nonaccrual policy during the years ended December 31, 2015 and 2014.

All interest accrued but not collected for loans that are placed on nonaccrual or charged off are reversed against interest income. The interest on these loans is applied to the principal balance until the loan can be returned to an accrual status. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.

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For all loan portfolio segments, the Company promptly charges off loans, or portions thereof, when available information confirms that specific loans are uncollectible based on information that includes, but is not limited to, (1) the deteriorating financial condition of the borrower, (2) declining collateral values, and/or (3) legal action, including bankruptcy, that impairs the borrower’s ability to adequately meet its obligations. For impaired loans that are considered to be solely collateral dependent, a partial charge-off is recorded when a loss has been confirmed by an updated appraisal or other appropriate valuation of the collateral.

When cash payments are received on impaired loans in each loan class, the Company records the payment as interest income unless collection of the remaining recorded principal amount is doubtful, at which time payments are used to reduce the principal balance of the loan. Troubled debt restructured loans recognize interest income on an accrual basis at the renegotiated rate if the loan is in compliance with the modified terms.

Allowance for Loan Losses

The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to income. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance.

The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.

The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired. For those loans that are 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. The general component covers nonclassified loans and is based on historical charge-off experience and expected loss given default derived from the Company’s internal risk rating process. Other adjustments may be made to the allowance for pools of loans after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss or risk rating data.

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

Groups of loans with similar risk characteristics are collectively evaluated for impairment based on the group’s historical loss experience adjusted for changes in trends, conditions and other relevant factors that affect repayment of the loans. Accordingly, the Company does not separately identify individual consumer and residential loans for impairment measurements, unless such loans are the subject of a restructuring agreement due to financial difficulties of the borrower.

In the course of working with borrowers, the Company may choose to restructure the contractual terms of certain loans. In restructuring the loan, the Company attempts to work out an alternative payment schedule with the borrower in order to optimize collectability of the loan. A troubled debt restructuring

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(TDR) occurs when, for economic or legal reasons related to a borrower’s financial difficulties, the Company grants a concession to the borrower that it would not otherwise consider. Terms may be modified to fit the ability of the borrower to repay in line with its current financial status, and the restructuring of the loan may include the transfer of assets from the borrower to satisfy the debt, a modification of loan terms, or a combination of the two.

Nonaccrual loans, including TDRs that have not met the six month minimum performance criterion, are reported in this report as non-performing loans. For all loan classes, it is the Company’s policy to have any restructured loans which are on nonaccrual status prior to being restructured remain on nonaccrual status until six months of satisfactory borrower performance, at which time management would consider its return to accrual status. A loan is generally classified as nonaccrual when the Company believes that receipt of principal and interest is questionable under the terms of the loan agreement. Most generally, this is at 90 or more days past due.

With regard to determination of the amount of the allowance for credit losses, restructured loans are considered to be impaired. As a result, the determination of the amount of impaired loans for each portfolio segment within troubled debt restructurings is the same as detailed previously above.

Premises and Equipment

Depreciable assets are stated at cost less accumulated depreciation. Depreciation is charged to expense using the straight-line method over the estimated useful lives of the assets.

The estimated useful lives for premises and equipment are as follows:

	Buildings			39 years
	Building and land improvements			10 years
	Furniture, fixtures and equipment			3 – 7 years

Other Real Estate, Net

Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in net income or expense from other real estate.

Mortgage Servicing Rights

Mortgage servicing assets are recognized separately when rights are acquired through purchase or through sale of financial assets. Under the servicing assets and liabilities accounting guidance (ASC 860-50), servicing rights resulting from the sale or securitization of loans originated by the Company are initially measured at fair value at the date of transfer. The Company subsequently measures each class of servicing asset using either the fair value or the amortization method. Under the fair value method, which is used for mortgage servicing rights originated prior to 2011, the servicing rights are carried in the balance sheet at fair value and the changes in fair value are reported in earnings in the period in which the changes occur. Beginning in 2011, servicing rights derived from the sale of originated mortgage loans are measured using the amortization method. Under the amortization method, servicing rights are amortized in proportion to and over the period of estimated net servicing income. The amortized assets are assessed for impairment or increased obligation based on fair value at each reporting date.

Fair value is based on market prices for comparable mortgage servicing contracts, when available, or alternatively, is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. These variables change from quarter to quarter as market conditions and projected interest rates change, and may have an adverse impact on the value of the mortgage servicing right and may result in a reduction to noninterest income.

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Each class of separately recognized servicing assets subsequently measured using the amortization method are evaluated and measured for impairment. Impairment is determined by stratifying rights into tranches based on predominant characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual tranche, to the extent that fair value is less than the carrying amount of the servicing assets for that tranche. The valuation allowance is adjusted to reflect changes in the measurement of impairment after the initial measurement of impairment. Changes in valuation allowances, if any, are reported with mortgage banking activities on the statements of operations. Fair value in excess of the carrying amount of servicing assets for that stratum is not recognized.

Servicing fee income is recorded for fees earned for servicing loans. The fees are based on a contractual percentage of the outstanding principal or a fixed amount per loan and are recorded as income when earned. The amortization of mortgage servicing rights and servicing fee income are included with mortgage banking activities on the statements of operations.

Off-Balance Sheet Instruments

In the ordinary course of business, the Company has entered into commitments under commercial letters of credit and standby letters of credit. Such financial instruments are recorded when they are funded.

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 (1) the assets have been isolated from the Company — put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership, (2) 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 (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets.

Income Taxes

The Company accounts for income taxes in accordance with income tax accounting guidance (ASC 740, Income Taxes). The income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax bases of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized.

Tax positions are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50%; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50% likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances and information available at the reporting date and is subject to management’s judgment. With a few exceptions, the Company is no longer subject to U.S. federal, state and local or non-U.S. income tax examinations by tax authorities for years before 2012.

The Company recognizes interest and penalties, if any, on income taxes as a component of income tax expense.

The Company files consolidated income tax returns with its subsidiary.

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Comprehensive Income (Loss)

Comprehensive income (loss) consists of net other comprehensive income, net of applicable loss taxes. Other comprehensive income includes unrealized appreciation on available-for-sale securities.

Note 2: Restriction on Cash and Due From Banks

The Company is required to maintain reserve funds in cash and/or on deposit with the Federal Reserve Bank. The reserve required was $757,000 and $486,000 at December 31, 2015 and 2014, respectively.

Note 3: Securities

The amortized cost and approximate fair values, together with gross unrealized gains and losses, of securities are as follows:

	2015
	Amortized Cost			Gross Unrealized Gains			Gross Unrealized Losses			Fair Value
Available-for-sale securities:
U.S. Government and federal agency		$	5,952,239		$	925		$	28,222		$	5,924,942
State and political subdivisions			2,555,544			8,357			5,015			2,558,886
Mortgage-backed – Government-Sponsored Enterprise (GSE)-residential			2,566,762			14,222			10,728			2,570,256
Collateralized mortgage obligations – GSE			653,493			6,161			—			659,654
Total available-for-sale securities		$	11,728,038		$	29,665		$	43,965		$	11,713,738

	2014
	Amortized Cost			Gross Unrealized Gains			Gross Unrealized Losses			Fair Value
Available-for-sale securities:
U.S. Government and federal agency		$	5,002,617		$	3,230		$	66,017		$	4,939,830
State and political subdivisions			3,354,828			20,436			14,179			3,361,085
Mortgage-backed – Government-Sponsored Enterprise (GSE)-residential			3,357,163			32,790			5,951			3,384,002
Collateralized mortgage obligations – GSE			1,020,217			12,931			—			1,033,148
Total available-for-sale securities		$	12,734,825		$	69,387		$	86,147		$	12,718,065

The amortized cost and fair value of available-for-sale securities at December 31, 2015, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.

	December 31, 2015
	Amortized Cost			Fair Value
Within one year		$	1,000,596		$	1,004,319
After one through five years			7,507,187			7,479,509
			8,507,783			8,483,828
Mortgage-backed – GSE residential			2,566,762			2,570,256
Collateralized mortgage obligations – GSE			653,493			659,654
		$	11,728,038		$	11,713,738

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The carrying value of securities pledged as collateral, to secure public deposits and for other purposes, was $246,401 and $345,931 at December 31, 2015 and 2014, respectively.

For the years ended December 31, 2015 and December 31 2014, there were no sales of securities available-for-sale.

Certain investments in debt securities are reported in the consolidated financial statements at an amount less than their historical cost. Total fair value of these investments at December 31, 2015 and 2014, was $6,612,243 and $6,066,781, which is approximately 56% and 48%, respectively, of the Company’s available-for-sale investment portfolio. These declines primarily resulted from recent increases in market interest rates since the securities were purchased.

Management believes the declines in fair value for these securities are temporary.

The following table shows the Company’s investments’ gross unrealized losses and fair value of the Company’s investments with unrealized losses that are not deemed to be other-than-temporarily impaired, aggregated by investment class and length of time that individual securities have been in a continuous unrealized loss position at December 31, 2015 and 2014:

	2015
	Less than 12 Months						12 Months or Longer						Total
	Fair Value			Gross Unrealized Losses			Fair Value			Gross Unrealized Losses			Fair Value			Gross Unrealized Losses
Available-for-sale securities:
U.S. Government and federal agency		$	3,524,074		$	19,656		$	990,379		$	8,566		$	4,514,453		$	28,222
State and political subdivisions			—			—			494,985			5,015			494,985			5,015
Mortgage-backed – GSE residential residential			1,602,805			10,728			—			—			1,602,805			10,728
		$	5,126,879		$	30,384		$	1,485,364		$	13,581		$	6,612,243		$	43,965

	2014
	Less than 12 Months						12 Months or Longer						Total
	Fair Value			Gross Unrealized Losses			Fair Value			Gross Unrealized Losses			Fair Value			Gross Unrealized Losses
Available-for-sale securities:
U.S. Government and federal agency		$	—		$	—		$	3,492,139		$	66,017		$	3,492,139		$	66,017
State and political subdivisions			804,572			2,604			488,425			11,575			1,292,997			14,179
Mortgage-backed – GSE-residential
Collateralized mortgage obligations – GSE			1,281,645			5,951			—			—			1,281,645			5,951
		$	2,086,217		$	8,555		$	3,980,564		$	77,592		$	6,066,781		$	86,147

The unrealized losses on the Company’s investments in direct obligations of U.S. Government and federal agencies, state and political subdivisions and mortgage-backed GSE residential securities. were caused by interest rate changes. The contractual terms of those investments do not permit the issuer to settle the securities at a price less than the amortized cost basis of the investments. Because the Company does not intend to sell the investments and it is not more likely than not the Company will be required to sell the investments before recovery of their amortized cost bases, which may be maturity, the Company does not consider those investments to be other-than-temporarily impaired at December 31, 2015.

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Note 4: Loans and Allowance for Loan Losses

Classes of loans at December 31, 2015 and 2014, include:

	2015			2014
Real estate loans:
Residential 1 – 4 family		$	45,402,431		$	45,353,599
Commercial Real Estate			32,374,013			27,908,662
Construction and land development			1,975,842			1,523,281
Total real estate			79,752,286			74,785,542
Commercial and industrial			8,147,480			5,536,805
Warehouse line			10,000,000			—
Consumer loans:
Home equity loans and lines of credit			9,003,016			9,331,608
Other consumer loans			1,101,856			883,864
Total consumer			10,104,872			10,215,472
Gross loans			108,004,638			90,537,819
Net deferred loan costs			(26,191)			(17,057)
Allowance for loan losses			1,075,374			1,075,351
Net loans		$	106,955,455		$	89,479,525

Risk characteristics applicable to each segment of the loan portfolio are described as follows.

Residential 1 – 4 Family, Home Equity Loans and Lines of Credit and Other Consumer: The residential 1 – 4 family real estate loans are generally secured by owner-occupied 1 – 4 family residences. Home equity loans and lines of credit are typically secured by a subordinate interest in 1 – 4 family residences and consumer loans are secured by consumer assets such as automobiles and other personal property. Repayment of these loans is primarily dependent on the personal income and credit rating of the borrowers. Credit risk in these loans can be impacted by economic conditions within the Bank’s market areas that might impact either property values or a borrower’s personal income. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers.

Commercial Real Estate including Construction and Land: Commercial real estate loans typically involve larger principal amounts, and repayment of these loans is generally dependent on the successful operations of the property securing the loan or the business conducted on the property securing the loan. These loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Construction and land real estate loans are usually based upon estimates of costs and estimated value of the completed project and include independent appraisal reviews and a financial analysis of the developers and property owners. Sources of repayment of these loans may include permanent loans, sales of developed property or an interim loan commitment from the Bank until permanent financing is obtained. These loans are considered to be higher risk than other real estate loans due to their ultimate repayment being sensitive to interest rate changes, general economic conditions and the availability of long-term financing. Credit risk in these loans may be impacted by the creditworthiness of a borrower, property values and the local economies in the Company’s market areas.

Commercial and Industrial: The commercial and industrial portfolio includes loans to commercial customers for use in financing working capital needs, equipment purchases and expansions. The loans in this category are repaid primarily from the cash flow of a borrower’s principal business operation. Credit risk in these loans is driven by creditworthiness of a borrower and the economic conditions that impact the cash flow stability from business operations.

Warehouse Line: The residential mortgage warehouse line is a wholesale mortgage line participation. The lending is done with a specific mortgage company that is a customer with the participating bank. The participating bank underwrites each individual mortgage and the related mortgagee. Financing is provided

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to an approved mortgage company for the origination and sale of residential mortgage loans. A portion of each individual mortgage is assigned to the Edgewater Bank until the loans is sold on the secondary market. These loans are typically sold within 30 days and are seldom held more than 90 days. Interest income is accrued during this period and collected at the time each loan is sold. Edgewater Bank has established several controls to minimize potential risks including reviewing documents provided on the approved mortgage warehouse participants. Also, certain loan documents are received and reviewed on each loan in which Edgewater Bank is asked to participate in that allows Edgewater Bank to accept or reject the individual loan participation.

The following tables present by portfolio segment, the activity in the allowance for loan losses for the years ended December 31, 2015 and 2014, and the recorded investment in loans and impairment method as of December 31, 2015 and 2014:

	2015
	Residential 1 – 4 Family			Commercial Real Estate			Commercial and Industrial			Warehouse Line			Consumer			Total
Allowance for loan losses
Balance, beginning of period		$	222,618		$	503,621		$	248,388		$	—		$	100,724		$	1,075,351
Provision (credit) for loan losses			101,517			59,817			(179,051)			60,787			21,930			65,000
Loans charged to the allowance			(570)			(62,015)			—			—			(18,657)			(81,242)
Recoveries of loans previously charged off			13,665			2,600			—			—			—			16,265
Balance, end of year		$	337,230		$	504,023		$	69,337		$	60,787		$	103,997		$	1,075,374
Ending balance: individually evaluated for impairment		$	13,969		$	302		$	—		$	—		$	372		$	14,643
Ending balance: collectively evaluated for impairment		$	323,261		$	503,721		$	69,337		$	60,787		$	103,625		$	1,060,731
Loans:
Ending balance		$	45,402,431		$	34,349,855		$	8,147,480		$	10,000,000		$	10,104,872		$	108,004,638
Ending balance individually evaluated for impairment		$	2,051,278		$	315,658		$	—		$	—		$	122,809		$	2,489,745
Ending balance collectively evaluated for impairment		$	43,351,153		$	34,034,197		$	8,147,480		$	10,000,000		$	9,982,063		$	105,514,893

	2014
	Residential 1 – 4 Family			Commercial Real Estate			Commercial and Industrial			Warehouse Line			Consumer			Total
Allowance for loan losses
Balance, beginning of period		$	188,325		$	587,331		$	138,268		$	—		$	147,217		$	1,061,141
Provision (credit) for loan losses			58,217			(174,664)			110,120			—			6,327			—
Loans charged to the allowance			(27,134)			—			—			—			(73,220)			(100,354)
Recoveries of loans previously charged off			3,210			90,954			—			—			20,400			114,564
Balance, end of year		$	222,618		$	503,621		$	248,388		$	—		$	100,724		$	1,075,351
Ending balance: individually evaluated for impairment		$	16,325		$	644		$	—		$	—		$	533		$	17,502
Ending balance: collectively evaluated for impairment		$	206,293		$	502,977		$	248,388		$	—		$	100,191		$	1,057,849
Loans:
Ending balance		$	45,353,599		$	29,431,943		$	5,536,805		$	—		$	10,215,472		$	90,537,819
Ending balance individually evaluated for impairment		$	2,727,712		$	1,356,103		$	—		$	—		$	152,879		$	4,236,694
Ending balance collectively evaluated for impairment		$	42,625,887		$	28,075,840		$	5,536,805		$	—		$	10,062,593		$	86,301,125

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Internal Risk Categories

In adherence with policy, the Bank uses the following internal risk grading categories and definitions for loans:

RISK RATING 1 — EXCELLENT

General: The highest quality asset rating reflects superior, in-depth management, and superior financial flexibility. Conservative balance sheets are both strong and liquid, and historic cash flows (last five years) have provided exceptionally large and stable margins of protection.

Specific: Financial statements are current, audited, of superior quality and in complete detail. Financial condition is superior and compares favorably to the industry average. Cash flow is outstanding relative to historical and projected debt service requirements. The borrower adheres to all loan covenants. Management (or individual) integrity and ability are outstanding.

RISK RATING 2 — STRONG

General: The borrower is fully responsible for the credit. Asset quality and liquidity are very good, and debt capacity and coverage are strong. The company has strong management in all positions, and is highly regarded with excellent financial flexibility including access to other sources of financing.

Specific: Financial statements are current, of excellent quality and in adequate detail. Financial condition is very good and compares favorably to the industry average. Statements reflect a stable record of earnings over time and consistent profitability. Cash flow is strong relative to historical and projected debt service requirements. The borrower consistently adheres to the repayment schedules for both principal and interest. The borrower adheres to all loan covenants. Management (or individual) integrity and ability are outstanding.

RISK RATING 3 — GOOD

General: Asset quality and liquidity are strong, and debt capacity and coverage are good to above average. General financial trends are stable to favorable and financial and profitability ratios are consistent with industry peers. Management strength is apparent. The industry is average. Some modest elements of uncertainty may be present due to liquidity, margin and cash flow stability, asset of customer concentrations, dependence on one business type, or cyclical trends that may affect the borrower.

Specific: The financial statements are generally current, of adequate detail, and of good quality. Publication of statements is at least once annually but in most cases more frequent. Financial condition is good relative to the industry. The earnings record is stable and consistent, although modest year-to-year earnings may fluctuate more than for borrowers rated Excellent (1) or Strong (2). Cash flow may vary during the repayment of the loan but does not fall below debt service requirements. Historical profitability may be inconsistent but losses are typically non-existent or infrequent. Liquidity and leverage are at the industry average. The borrower consistently adheres to repayment schedules for both principal and interest, and adheres to all loan covenants. Any waivers are immaterial, and do not negatively impact the strength of the credit. Management (or individual) integrity and ability are sound. Depth and breadth of management is also sound.

RISK RATING 4 — ACCEPTABLE

General: Asset quality and liquidity are good, and debt capacity and coverage are average to good. General financial trends are stable to favorable and financial and profitability ratios are consistent with industry peers. Management strength is apparent but may be limited to key positions. The industry is average. Some elements of uncertainty may be present due to liquidity, margin and cash flow stability, asset of customer concentrations, dependence on one business type, or cyclical trends that may affect the borrower. Adverse economic conditions may lead to declining trends.

Specific: The financial statements are generally current, of adequate detail, and of average quality. Publication of statements is at least once annually. Financial condition is average relative to the industry. The earnings record is satisfactory, although year-to-year earnings patterns may fluctuate more than for borrowers rated Good (3). Cash flow may vary during the repayment of the loan but does not fall below debt service requirements. Historical profitability may be inconsistent and may have losses in recent years.

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Liquidity and leverage may be below the industry average, and the borrower may be highly leveraged. The borrower consistently adheres to repayment schedules for both principal and interest, and adheres to all loan covenants. Any waivers are immaterial, and do not negatively impact the strength of the credit. Management (or individual) integrity and ability are sound. Depth and breadth of management is also sound.

RISK RATING 5 — WATCH

General: Loans in this category are considered to be acceptable credit quality, but contain greater credit risk than Risk Rating 4 loans due to weak balance sheets, marginal earnings or cash flow, lack of financial information, weakening markets, insufficient or questionable collateral coverage, or other uncertainties. These loans warrant a higher than average level of monitoring to ensure that potential weaknesses do not emerge. The level of risk in a Watch loan is within acceptable underwriting guidelines so long as the loan is given the proper level of management supervision.

Specific: The financial statements may be missing, outdated, of poor quality, or lacking in important details. Financial condition is below the industry average. The borrower may be experiencing negative trends and/or erratic or unstable financial performance. The borrower may have suffered a loss in a recent period; however, losses have not been of the magnitude to have adversely affected the balance sheet. The borrower generally adheres to repayment schedules for principal and consistently for interest. Cash flow from primary sources has generally been adequate but, if existing trends continue may not be adequate to meet projected debt service requirements in the future. The borrower may have violated one or more financial or other covenants, but such has not materially impacted financial condition or performance. Industry outlook may be unfavorable. The integrity and quality of management remains good; however, management depth may be limited.

RISK RATING 6 — SPECIAL MENTION

General: Assets in this category have potential weaknesses that deserve the Bank’s close attention. If potential weaknesses are left unchecked or uncorrected, they may result in deterioration of the repayment prospects for the asset or inadequately protect the Bank’s credit position at some future date. These assets pose elevated risk, but their weakness does not expose the Bank to sufficient risk to warrant adverse classification.

Specific: Borrowers may be experiencing adverse operating trends (declining revenues or margins) or an ill-proportioned balance sheet (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 (6) rating. Nonfinancial reasons for rating a credit Special Mention (6) include management problems, pending litigation, an ineffective loan agreement or other material structural weaknesses, and any other significant deviation from prudent lending practices.

RISK RATING 7 — SUBSTANDARD

General: Assets in this category are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. These assets have a well-defined weakness or weaknesses that jeopardize the timely liquidation of the debt. They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.

Specific: Substandard assets have a high probability of payment default, or they have other well-defined weaknesses. The financial statements may be missing, seriously outdated, of poor quality, or lacking in important details. Financial condition is less than satisfactory. The borrower is experiencing negative trends and material losses. The primary source of cash flow is inadequate to meet current debt service requirements, and unless present conditions improve is potentially inadequate to meet projected debt service requirements. The borrower may have reached the point of employing its secondary source of cash flow. The borrower inconsistently adheres to repayment schedules for either principal or interest. The borrower may have violated one or more financial or other covenants, reflecting unsatisfactory liquidity and/or capitalization. Either the integrity or the ability of management may be in question. For some Substandard (7) assets, the likelihood of full collection of interest and principal may be in doubt; such assets should be placed on nonaccrual.

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RISK RATING 8 — DOUBTFUL

General: Assets in this category have all the weaknesses inherent in one classified substandard with the added characteristic that the weaknesses make collection or liquidation in full on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

Specific: An asset in this category has a high probability of total or substantial loss, but because of specific pending events that may strengthen the asset, its classification as loss is deferred. Doubtful borrowers are usually in default, lack adequate liquidity and capital, and lack the resources necessary to remain an operating entity. Pending events can include mergers, acquisitions, liquidations, capital injections, and the perfection of liens on additional collateral, the valuation of collateral and refinancing. Generally, pending events should be resolved within a relatively short period and the ratings will be adjusted based on new information. Because of high probability of loss, nonaccrual accounting treatment is required for Doubtful (8) assets.

RISK RATING 9 — LOSS

General: Assets in this category are considered uncollectible and of such little value that their continuance as bankable assets is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be obtained in the future.

Specific: With Loss (9) assets, the underlying borrowers are often in bankruptcy, have formally suspended debt repayments, or have otherwise ceased normal business operations. Once an asset is classified Loss (9), there is little prospect of collecting either its principal or interest. Losses are to be recorded in the period an obligation becomes uncollectable.

The following table presents the credit risk profile of the Bank’s loan portfolio based on internal rating category and payment activity as of December 31, 2015 and 2014:

	2015
	Residential 1 – 4 Family			Commercial Real Estate			Construction and Land			Commercial and Industrial			Warehouse Line			Home Equity			Other Consumer			Total
Pass(1 – 5)		$	44,838,588		$	30,037,894		$	1,966,182		$	8,147,480		$	10,000,000		$	9,003,016		$	1,101,856		$	105,095,016
Special Mention(6)			—			1,553,936			—			—			—			—			—			1,553,936
Substandard(7)			563,843			782,183			9,660			—			—			—			—			1,355,686
Doubtful(8)			—			—			—			—			—			—			—			—
Loss(9)			—			—			—			—			—			—			—			—
Total		$	45,402,431		$	32,374,013		$	1,975,842		$	8,147,480		$	10,000,000		$	9,003,016		$	1,101,856		$	108,004,638

	2014
	Residential 1 – 4 Family			Commercial Real Estate			Construction and Land			Commercial and Industrial			Warehouse Line			Home Equity			Other Consumer			Total
Pass(1 – 5)		$	44,618,696		$	25,726,754		$	1,344,107		$	5,536,805		$	—		$	9,321,255		$	883,864		$	87,431,481
Special Mention(6)			—			219,157			—			—			—			—			—			219,157
Substandard(7)			734,903			1,962,751			179,174			—			—			10,353			—			2,887,181
Doubtful(8)			—			—			—			—			—			—			—			—
Loss(9)			—			—			—			—			—			—			—			—
Total		$	45,353,599		$	27,908,662		$	1,523,281		$	5,536,805		$	—		$	9,331,608		$	883,864		$	90,537,819

The Bank evaluates the loan risk grading system definitions and allowance for loan loss methodology on an ongoing basis. No significant changes were made to either during the past year.

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The following tables present the Bank’s loan portfolio aging analysis of the recorded investment in loans as of December 31, 2015 and 2014:

	2015
	30 – 59 Days Past Due			60 – 89 Days Past Due			Greater Than 90 Days			Total Past Due			Current			Total Loans			Total Loans >90 Days & Accruing
Residential 1 – 4 family		$	1,124,518		$	312,454		$	555,497		$	1,992,469		$	43,409,962		$	45,402,431		$	—
Commercial real estate			9,715			—			—			9,715			32,364,298			32,374,013			—
Construction and land			—			23,118			9,660			32,778			1,943,064			1,975,842			—
Commercial and industrial			99,541			—			—			99,541			8,047,939			8,147,480			—
Warehouse Line			—			—			—			—			10,000,000			10,000,000			—
Home equity			72,128			10,288			8,309			90,725			8,912,291			9,003,016			—
Other consumer			—			2,852			—			2,852			1,099,004			1,101,856			—
		$	1,305,902		$	348,712		$	573,466		$	2,228,080		$	105,776,558		$	108,004,638		$	—

	2014
	30 – 59 Days Past Due			60 – 89 Days Past Due			Greater Than 90 Days			Total Past Due			Current			Total Loans			Total Loans >90 Days & Accruing
Residential 1-4 family		$	1,147,797		$	557,817		$	734,903		$	2,440,517		$	42,913,082		$	45,353,599		$	—
Commercial real estate			11,782			—			—			11,782			27,896,880			27,908,662			—
Construction and land			27,817			—			21,972			49,789			1,473,492			1,523,281			—
Commercial and industrial			—			—			—			—			5,536,805			5,536,805			—
Warehouse Line			—			—			—			—			—			—			—
Home equity			54,224			25,601			10,353			90,178			9,241,430			9,331,608			—
Other consumer			—			6,057			—			6,057			877,807			883,864			—
		$	1,241,620		$	589,475		$	767,228		$	2,598,323		$	87,939,496		$	90,537,819		$	—

A loan is considered impaired, in accordance with the impairment accounting guidance (ASC 310-10-35-16), when based on current information and events, it is probable the Bank will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include nonperforming commercial loans but also include loans modified in troubled debt restructurings.

The following table presents impaired loans and specific valuation allowance based on class level for the years ended December 31, 2015 and 2014:

	2015
	Residential 1 – 4 Family			Commercial Real Estate			Construction and Land			Commercial and Industrial			Warehouse Line			Home Equity			Total
Impaired loans without a specific allowance:
Recorded investment		$	848,467		$	273,166		$	—		$	—		$	—		$	79,097		$	1,200,730
Unpaid principal balance			921,718			273,166			—			—			—			79,097			1,273,981
Impaired loans with a specific allowance:
Recorded investment			1,202,811			9,715			32,777			—			—			43,712			1,289,015
Unpaid principal balance			1,259,063			11,111			36,696			—			—			45,687			1,352,557
Specific allowance			13,969			129			173			—			—			372			14,643
Total impaired loans:
Recorded investment			2,051,278			282,881			32,777			—			—			122,809			2,489,745
Unpaid principal balance			2,180,781			284,277			36,696			—			—			124,784			2,626,538
Specific allowance			13,969			129			173			—			—			372			14,643

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	2014
	Residential 1 – 4 Family			Commercial Real Estate			Construction and Land			Commercial and Industrial			Warehouse Line			Home Equity			Total
Impaired loans without a specific allowance:
Recorded investment		$	1,396,878		$	1,003,575		$	290,956		$	—		$	—		$	86,296		$	2,777,705
Unpaid principal balance			1,475,218			1,121,615			304,827			—			—			92,277			2,993,937
Impaired loans with a specific allowance:
Recorded investment			1,330,834			11,782			49,790			—			—			66,583			1,458,989
Unpaid principal balance			1,373,484			12,700			56,120			—			—			69,627			1,511,931
Specific allowance			16,325			46			598			—			—			533			17,502
Total impaired loans:
Recorded investment			2,727,712			1,015,357			340,746			—			—			152,879			4,236,694
Unpaid principal balance			2,848,702			1,134,315			360,947			—			—			161,904			4,505,868
Specific allowance			16,325			46			598			—			—			533			17,502

The following presents by portfolio class, information related to the average recorded investment and interest income recognized on impaired loans for the years ended December 31, 2015 and 2014:

	2015
	Residential 1 – 4 Family			Commercial Real Estate			Construction and Land			Commercial and Industrial			Warehouse Line			Home Equity			Total
Average recorded investment in impaired loans		$	1,920,676		$	290,494		$	38,295		$	—		$	—		$	127,281		2,376,746
Interest income recognized			23,914			15,554			—			—			—			2,614		42,082
Interest income recognized on a cash basis			23,798			15,328			—			—			—			2,614		41,740

	2014
	Residential 1 – 4 Family			Commercial Real Estate			Construction and Land			Commercial and Industrial			Warehouse Line			Home Equity			Total
Average recorded investment in impaired loans		$	2,394,222		$	1,078,123		$	330,360		$	—		$	—		$	137,430		$	3,940,135
Interest income recognized			38,882			16,369			5,945			—			—			303			61,499
Interest income recognized on a cash basis			38,748			16,369			5,945			—			—			303			61,365

The following table presents the Bank’s nonaccrual loans at December 31, 2015 and 2014. This table excludes performing troubled debt restructurings.

	2015			2014
Residential 1 – 4 family		$	1,233,905		$	1,811,649
Commercial real estate			9,715			729,032
Construction and land			32,777			206,991
Commercial and industrial			—			—
Warehouse Line			—			—
Home equity			43,712			150,511
Other consumer			—			—
		$	1,320,109		$	2,898,183

At December 31, 2015 the Company did not have any loans that were modified in troubled debt restructurings however; in 2014, the Company had loans that were modified in troubled debt restructurings and impaired. The modification of terms of such loans included one or a combination of the following: an extension of maturity, a reduction of the stated interest rate or a permanent reduction of the recorded investment in the loan.

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The following table presents information regarding troubled debt restructurings by class for the year ended December 31, 2015 and 2014.

Newly classified troubled debt restructurings:

	2015								2014
	Number of Loans		Pre- Modification Recorded Balance			Post Modification Recorded Balance			Number of Loans		Pre- Modification Recorded Balance			Post Modification Recorded Balance
Residential 1 – 4 family		—		$	—		$	—		3		$	418,350		$	418,350
Commercial real estate		—			—			—		—			—			—
Construction and land development		—			—			—		—			—			—
Commercial and industrial		—			—			—		—			—			—
Warehouse line		—			—			—		—			—			—
Home equity		—			—			—		—			—			—
Other consumer		—			—			—		—			—			—
		—		$	—		$	—		3		$	418,350		$	418,350

The troubled debt restructurings described above increased the allowance for loan losses by $3,502 resulted in charge offs of $19,937 during the year ended December 31, 2014.

Newly restructured loans by type of modification:

	2015
	Interest Only			Term			Combination			Total Modification
Residential 1 – 4 family		$	—		$	—		$	—		$	—
Commercial real estate			—			—			—			—
Construction and land development			—			—			—			—
Commercial and industrial			—			—			—			—
Warehouse line			—			—			—			—
Home equity			—			—			—			—
Other consumer			—			—			—			—
		$	—		$	—		$	—		$	—

	2014
	Interest Only			Term			Combination			Total Modification
Residential 1 – 4 family		$	93,832		$	61,000		$	263,518		$	418,350
Commercial real estate			—			—			—			—
Construction and land development			—			—			—			—
Commercial and industrial			—			—			—			—
Warehouse line			—			—			—			—
Home equity			—			—			—			—
Other consumer			—			—			—			—
		$	93,832		$	61,000		$	263,518		$	418,350

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Troubled debt restructurings modified in the past 12 months that subsequently defaulted:

	2015					2014
	Number of Loans		Recorded Balance			Number of Loans		Recorded Balance
Residential 1 – 4 family		—		$	—		—		$	—
Commercial real estate		—			—		1			214,736
Construction and land development		—			—		—			—
Commercial and industrial		—			—		—			—
Warehouse line		—			—		—			—
Home equity		—			—		—			—
Other consumer		—			—		—			—
		—		$	—		1		$	214,736

As of December 31, 2015, borrowers with loans designated as TDRs totaling $1,084,630 and consisting of $732,385 of residential 1 – 4 family loans, $273,166 of commercial real estate loans, and $79,079 of home equity loans, met the criteria for placement on accrual status.

As of December 31, 2014, borrowers with loans designated as TDRs totaling $1,431,843 and consisting of $1,009,396 of residential 1 – 4 family, $286,325 of commercial real estate loans, $133,754 of construction and land development and $2,368 of home equity loans, met the criteria for placement on accrual status.

This criteria is a minimum of six months of payment performance under existing or modified terms.

The Company has had, and may be expected to have in the future, lending transactions in the ordinary course of business with principal stockholder, directors, executive officer and their affiliates (related parties), all of which have been, in the opinion of management, on the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with unrelated parties and which do not represent more than the normal risk of collectability or present other unfavorable features.

Aggregate loan transaction with related parties for the year ended December 31, 2015 and year ended December 31, 2014:

	2015			2014
Balance, January 1,		$	1,746,535		$	96,059
New loans and advances on lines			535,893			1,043,733
Repayments			(540,712)			(667,229)
Other, newly established related party			648,108			1,273,972
Balance, December 31,		$	2,389,824		$	1,746,535
Balance available on lines of credit or loan commitments			290,558			558,191

None of these loans are past due, in nonaccrual status or have been restructured to provide a reduction or deferral of interest or principal because of deterioration in the financial position of the borrower. These were no loans to a related party that were considered classified at December 31, 2015 and December 31, 2014.

On January 1, 2015, the Company adopted Accounting Standards Update (ASU) 2014-04, Receivables — Troubled Debt Restructuring by Creditors. At December 31, 2015, the Company held no residential real estate as foreclosed property. Also, at December 31, 2015, there were no consumer mortgage loans in the process of foreclosure according to local requirements of the applicable jurisdictions.

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Note 5: Premises and Equipment

Major classifications of premises and equipment, stated at cost, are as follows:

	2015			2014
Land		$	864,420		$	864,420
Land improvements			322,809			322,809
Building and improvements			4,513,402			4,509,902
Furniture, fixtures and equipment			3,326,148			3,651,942
Total cost			9,026,779			9,349,073
Accumulated depreciation			(5,420,609)			(5,436,782)
Net premises and equipment		$	3,606,170		$	3,912,291

The Decatur branch sale was closed on January 24, 2014. Approximately $222,000 in net premises and equipment were included in the sale.

Note 6: Loan Servicing

The Company accounts for loan servicing rights applicable to serviced loans originated prior to January 1, 2011, using the fair value method of accounting and are considered a specific class. Loan servicing rights applicable to serviced loans originated after January 1, 2011, are valued using the amortization method and are considered a different specific class. Under both methods, the mortgage servicing rights are recorded at fair value at inception. Under the fair value method, the asset continues to be recorded at fair value each reporting period, with changes in fair value being recorded through noninterest income. Under the amortization method, the recorded asset is amortized over its estimated life.

The fair value method approach of accounting was adopted because the Company believed the fair values of servicing rights were substantially undervalued and thus understated on the balance sheet. The fair value is determined using prices for similar assets with similar characteristics, when available, or based upon discounted cash flows using market-based assumptions. Subsequent valuation adjustments for servicing assets related to loan originations prior to January 1, 2011, will be made to noninterest income and included in mortgage banking activities in the statement of operations.

Mortgage loans serviced for others are not included in the accompanying consolidated balance sheets. The risks inherent in mortgage servicing assets relate primarily to changes in prepayments that result from shifts in mortgage interest rates. The unpaid principal balances of mortgage loans serviced for others was $77,187,000 and $73,575,000 at December 31, 2015 and 2014, respectively.

The following summarizes the activity pertaining to mortgage servicing rights measured using the amortization method. There were no valuation allowance recorded or reversed during 2015 or 2014.

	2015			2014
Balance, beginning of year		$	317,912		$	364,999
Additions			130,638			59,732
Amortization			(123,011)			(106,819)
Balance, end of year		$	325,539		$	317,912
Fair value as of the beginning of the year		$	526,647		$	543,975
Fair value as of the end of year			612,290			526,647

The following summarizes the activity in mortgage servicing rights measured using the fair value method for the years ended December 31, 2015 and 2014:

	2015			2014
Balance, beginning of year		$	114,193		$	148,171
Additions
Change in fair value adjusted through earnings			(31,017)			(33,978)
Balance, end of year		$	83,176		$	114,193

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Note 7: Deposits

	2015			2014
Non-interest bearing demand deposits		$	13,940,853		$	11,730,674
Interest bearing deposits			37,751,724			24,528,025
Money market			20,465,720			20,350,496
Savings accounts			13,660,368			15,027,699
Certificates of deposit			27,512,191			26,856,218
Total deposits		$	113,330,856		$	98,493,112

Interest-bearing time deposits in denominations of $250,000 or more were $3,714,258 at December 31, 2015, and $2,060,478 at December 31, 2014.

At December 31, 2015 and 2014, the Bank had deposits from executive officers, directors and their affiliates (related parties), of $1,893,793 and $1,516,175, respectively. In management’s opinion, such deposits were made in the ordinary course of business and were made on substantially the same terms as those prevailing at the time for comparable transactions with other persons.

At December 31, 2015, the scheduled maturities of time deposits are as follows:

2016	$	16,197,851
2017		6,781,620
2018		1,640,662
2019		1,193,638
2020		1,668,727
Thereafter		29,692
Total	$	27,512,191

Note 8: Federal Home Loan Bank Advances

Federal Home Loan Bank advances totaled $8,000,000 and $10,000,000 at December 31, 2015 and 2014, respectively. Federal Home Loan Bank advances and line of credit are secured by mortgage loans totaling approximately $29.0 million and $35.3 million at December 31, 2015 and 2014, respectively. Advances, at interest rates from .67 percent to 1.79 percent were subject to restrictions or penalties in the event of prepayment as of December 31, 2015. The Bank has a $2.0 million line of credit with the Federal Home Loan Bank and a $2.0 million federal funds line with United Bankers Bank, none of which was outstanding at December 31, 2015.

Scheduled maturities on advances are as follows:

2016	$	2,000,000
2017		2,000,000
2018		2,000,000
2019		2,000,000
Total	$	8,000,000

Note 9: Income Taxes

The provision (credit) for income taxes includes these components:

	2015			2014
Taxes currently payable		$	—		$	—
Deferred income taxes			—			—
Income tax expense (benefit)		$	—		$	—

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A reconciliation of income tax expense at the statutory rate to the Company’s actual income tax expense is shown below:

	2015			2014
Computed at the statutory rate (34%)		$	14,321		$	(277,533)
Increase (decrease) resulting from
Tax exempt interest			—			—
Changes in the deferred tax asset valuation allowance			(21,238)			252,896
Other			6,917			24,637
Actual tax expense (benefit)		$	—		$	—

The tax effects of temporary differences related to deferred taxes shown on the consolidated balance sheets were:

	2015			2014
Deferred tax assets
Allowance for loan losses		$	432,755		$	48,592
Valuation of other real estate			1,673			1,729
Net operating loss carryforward			3,119,906			3,169,105
Charitable contribution carryforward			22,605			26,665
Unrealized loss on available-for-sale securities			4,862			5,698
Other			—			216,299
Total assets			3,581,801			3,468,088
Deferred tax liability
Depreciation			(170,778)			(197,153)
Deferred loan fees			(8,941)			(5,900)
FHLB stock dividends			(23,065)			(36,742)
Other			(171,961)			—
Total liabilities			(374,745)			(239,795)
Net deferred tax asset before valuation allowance			3,207,056			3,228,293
Valuation allowance
Beginning balance			(3,228,293)			(3,082,165)
Increase during the period			21,237			(146,128)
Ending balance			(3,207,056)			(3,228,293)
Net deferred tax asset (liability)		$	—		$	—

As of December 31, 2015, the Company has approximately $8.9 million of federal net operating loss carryforwards that begin expiring in 2029 and approximately $1.3 million of state net operating loss carryforwards that begin expiring in 2024.

Retained earnings at December 31, 2015 and 2014, include approximately $702,000 for which no deferred federal income tax liability has been recognized. These amounts represent an allocation of income to bad debt deductions for tax purposes only. Reduction of amounts so allocated for purposes other than tax bad debt losses or adjustments arising from carryback of net operating losses would create income for tax purposes only, which would be subject to the then-current corporate income tax rate.

Note 10: Regulatory Matters

The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the

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Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Company’s assets, liabilities and certain off-balance-sheet items as calculated under U.S. GAAP, regulatory reporting requirements and regulatory capital standards. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Furthermore, the Company’s regulators could require adjustments to regulatory capital not reflected in these financial statements.

Quantitative measures established by regulatory capital standards to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below). Management believes, as of December 31, 2015 and 2014, that the Company meets all capital adequacy requirements to which it is subject.

As of December 31, 2015, the most recent notification from Office of Comptroller of the Currency categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum total risk-based, Tier I risk-based, Common equity Tier I, and Tier I leverage ratios as set forth in the table. The Common equity Tier I ratio became effective January 1, 2015. There are no conditions or events since that notification that management believes have changed the Bank’s category.

The Bank’s actual capital amounts and ratios are also presented in the following table.

	Actual					Minimum Amount Required for Adequate Capital(2)					Minimum Amount To Be Well Capitalized(1)
	Amount			Ratio		Amount			Ratio		Amount			Ratio
December 31, 2015
Total capital(1) (to risk-weighted assets)		$	13,701		15.37%		$	7,133		8.00%		$	8,916		10.00%
Tier I capital(1) (to risk-weighted assets)			12,626		14.16			5,350		6.00			7,133		8.00
Common Equity Tier I capital(1) (to risk-weighted assets)			12,630		14.16			4,012		4.50			5,795		6.50
Tier I capital(1) (to average assets)			12,630		9.42			5,364		4.00			6,705		5.00
December 31, 2014
Total capital(1) (to risk-weighted assets)		$	13,188		17.87%		$	5,904		8.00%		$	7,380		10.00%
Tier I capital(1) (to risk-weighted assets)			12,264		16.62			2,952		4.00			4,428		6.00
Tier I capital(1) (to average assets)			12,264		10.03			4,893		4.00			6,116		5.00

(1)

As defined by regulatory agencies

Effective October 20, 2009, the Company entered into a formal consent agreement with its primary regulator (formerly the Office of Thrift Supervision who functions were transferred to the Office of the Comptroller of the Currency (OCC) on July 21, 2012). Effective February 2, 2013, the OCC terminated the consent order. On January 23, 2013, the Company received notice from the OCC that it was subject to certain individual minimum capital ratio requirements. Effective during the fourth quarter of 2014, the OCC cancelled the individual minimum capital ratio requirements.

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Note 11: Employee Benefits

The Company has a retirement savings 401(k) plan which covers all full-time employees who are age 21 or older and who have worked 1,000 hours and completed three months of service. Employees may contribute up to 25% of their compensation up to a maximum of $18,000 a year with the Company matching 50% of the employee’s contribution on the first 6% of the employee’s compensation. Employer contributions charged to expense for the years ended December 31, 2015 and 2014, were $62,948 and $59,645, respectively.

The Company participates in the Pentegra Defined Benefit Plan for Financial Institutions (Pentegra Plan), an industry-wide, tax-qualified defined-benefit pension plan. The Pentegra Plan’s Employer Identification Number is 13-5645888 and the Plan Number is 333. The Pentegra Plan operates as a multiemployer plan for accounting purposes and as a multiple employer plan under the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code. There are no collective bargaining agreements in place that require contributions to the Pentegra Plan. The Pentegra Plan is a single plan under Internal Revenue Code Section 413(c) and, as a result, all of the assets stand behind all of the liabilities.

The risks of participating in a multiemployer plan are different from a single-employer plan in the following aspects:

Assets contributed to the multiemployer plan by one employer may be used to provide benefits to employees of other participating employers.

If a participating employer stops contributing to the plan, the unfunded obligations of the plan may be borne by the remaining participating employers.

If the Company chooses to stop participating in some of its multiemployer plans, the Company may be required to pay those plans an amount based on the underfunded status of the plan, referred to as a withdrawal liability.

The Company froze the benefits in the Pentegra Plan effective June 1, 2010. Full-time employees of the Company who had attained at least 21 years of age and completed one year of service were eligible to participate in the Pentegra Plan. In addition, employees who would have been eligible after June 1, 2010, are not eligible to participate. No further benefits will accrue subsequent to the freeze, and the freeze does not reduce the benefits accrued up to the date of the freeze.

Pension expense related to this plan was $140,729 and $142,715 for years ended December 31, 2015 and 2014.

Calculations to determine full-funding status are made annually by the third-party plan administrator as of June 30. At June 30, 2015 and 2014, the funding target, which is defined as the market value of plan assets divided by the plan liabilities, of the Company’s portion of the Pentegra Plan was 75.72% and 74.37%, respectively, funded.

Total contributions by all employer participants in the Pentegra Plan, as reported on Form 5500, totaled $190,751,615 and $136,477,565, respectively, for the plan years ended June 30, 2014 and 2013. The Company’s contributions to the Pentegra Plan totaled $152,078 and $133,156, respectively, for the years ended December 31, 2015 and 2014, respectively, and do not represent more than 5% of the total contributions made by all employer participants in the Pentegra Plan. There have been no significant changes that affect the comparability of 2015 and 2014 contributions. Given the current interest rate environment, the lower asset valuations, and other factors impacting the operations of the Pentegra Plan, it is likely that our future funding obligations could increase.

In connection with the conversion to an entity owned by stockholders, the Company established an Employee Stock Ownership Plan (ESOP) for the exclusive benefit of eligible employees (all salaried employees who have completed at least 1,000 hours of service in a consecutive twelve-month period and have attained the age of 21). The ESOP borrowed funds from the Company in an amount sufficient to purchase 53,431 shares (approximately 8% of the common stock issued in the stock offering). The loan is secured by the shares purchased and will be repaid by the ESOP with funds from contributions made by the Company and dividends received by the ESOP. Contributions will be applied to repay interest on the loan

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first, then the remainder will be applied to principal. The loan is expected to be repaid over a period of up to 25 years. Shares purchased with the loan proceeds are held in a suspense account for allocation among participants as the loan is repaid. Contributions to the ESOP and shares released from the suspense account are allocated among participants in proportion to their compensation, relative to total compensation of all active participants. Participants will vest in their accrued benefits under the employee stock ownership plan at the rate of 20 percent per year. Vesting is accelerated upon retirement, death or disability of the participant, or a change in control of the Association. Forfeitures will be reallocated to remaining plan participants. Benefits may be payable upon retirement, death, disability, separation from service, or termination of the ESOP.

The debt of the ESOP is eliminated in consolidation. Contributions to the ESOP shall be sufficient to pay principal and interest currently due under the loan agreement. As shares are committed to be released from collateral, the Company reports compensation expense equal to the average market price of the shares for the respective period, and the shares become outstanding for earnings per share computations. Dividends on unallocated ESOP shares, if any, are recorded as a reduction of debt and accrued interest. ESOP compensation expense was $24,004 and $22,193 the year ended December 31, 2015 and 2014.

A summary of ESOP shares are as of December 31 are as follows:

	2015			2014
Released Shares			2,141			—
Shares committed for release			2,137			2,186
Unreleased shares			49,153			51,245
Total			53,431			53,431
Fair value of unreleased shares		$	675,854		$	520,137

In the event the ESOP is unable to satisfy the obligation to repurchase the shares held by each beneficiary upon the beneficiary’s termination or retirement, the Company is obligated to repurchase the shares. At December 31, 2015, the fair value of these shares is $29,384. In addition, there are 181 outstanding shares held by former employees that are subject to an ESOP related repurchase option.

Note 12: Disclosures About Fair Value of Assets and Liabilities

Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value measurements must maximize the use of observable inputs and minimize the use of unobservable inputs. There is a hierarchy of three levels of inputs that may be used to measure fair value:

Level 1 Quoted prices in active markets for identical assets or liabilities

Level 2 Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities

Level 3 Unobservable inputs supported by little or no market activity and are significant to the fair value of the assets or liabilities

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Recurring Measurements

The following table presents the fair value measurements of assets recognized in the accompanying consolidated balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2015 and 2014:

	December 31, 2015 Fair Value Measurements Using
Assets	Fair Value			Quoted Prices in Active Markets for Identical Assets (Level 1)			Significant Other Observable Inputs (Level 2)			Significant Unobservable Inputs (Level 3)
Available-for-sale securities:
U.S. Government and federal agency		$	5,924,942		$	—		$	5,924,942		$	—
State and political subdivisions			2,558,886			—			2,558,886			—
Mortgage-backed – GSE residential			2,570,256			—			2,570,256			—
Collateralized mortgage obligations – GSE			659,654			—			659,654			—
Mortgage servicing rights			83,176			—			—			83,176

	December 31, 2014 Fair Value Measurements Using
Assets	Fair Value			Quoted Prices in Active Markets for Identical Assets (Level 1)			Significant Other Observable Inputs (Level 2)			Significant Unobservable Inputs (Level 3)
Available-for-sale securities:
U.S. Government and federal agency		$	4,939,830		$	—		$	4,939,830		$	—
State and political subdivisions			3,361,085			—			3,361,085			—
Mortgage-backed – GSE residential			3,384,002			—			3,384,002			—
Collateralized mortgage obligations – GSE			1,033,148			—			1,033,148			—
Mortgage servicing rights			114,193			—			—			114,193

Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a recurring basis and recognized in the accompanying consolidated balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy. There have been no significant changes in the valuation techniques during the years ended December 31, 2015 and 2014. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below.

Available-for-Sale Securities

Where quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. If quoted market prices are not available, then fair values are estimated by using quoted prices of securities with similar characteristics or independent asset pricing services and pricing models, the inputs of which are market-based or independently sourced market parameters, including, but not limited to, yield curves, interest rates, volatilities, prepayments, defaults, cumulative loss projections and cash flows. Such securities are classified in Level 2 of the valuation hierarchy including U.S. Government and federal agencies, state and political subdivisions, mortgage-backed securities GSE, and collateralized mortgage obligations GSE. In certain cases where Level 1 or Level 2 inputs are not available, securities are classified within Level 3 of the hierarchy. The Company has no securities classified as Level 3.

Mortgage Servicing Rights

Mortgage servicing rights do not trade in an active, open market with readily observable prices. Accordingly, fair value is estimated using discounted cash flow models having significant inputs of discount rate, prepayment speed and default rate. Due to the nature of the valuation inputs, mortgage servicing rights are classified within Level 3 of the hierarchy.

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Mortgage servicing rights are tested for impairment on a quarterly basis. The Chief Financial Officer’s (CFO) office contracts with a pricing specialist to generate fair value estimates on at least an annual basis. The CFO’s office challenges the reasonableness of the assumptions used and reviews the methodology to ensure the estimated fair value complies with accounting standards generally accepted in the United States.

Level 3 Reconciliation

The following is a reconciliation of the beginning and ending balances of recurring fair value measurements recognized in the accompanying balance sheets using significant unobservable (Level 3) inputs:

	2015			2014
Balance, beginning of year		$	114,193		$	148,171
Total changes in fair value included in earnings			(31,017)			(33,978)
Balance, end of year		$	83,176		$	114,193

Nonrecurring Measurements

The following table presents the fair value measurement of assets and liabilities measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2015 and 2014:

	Fair Value Measurements Using
Assets	Fair Value			Quoted Prices in Active Markets for Identical Assets (Level 1)			Significant Other Observable Inputs (Level 2)			Significant Unobservable Inputs (Level 3)
December 31, 2015
Other real estate owned		$	202,100		$	—		$	—		$	202,100
Collateral-dependent impaired loans, Net of ALLL			1,274,372			—			—			1,274,372
December 31, 2014
Other real estate owned		$	190,000		$	—		$	—		$	190,000
Collateral-dependent impaired loans Net of ALLL			1,441,487			—			—			1,441,487

Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a nonrecurring basis and recognized in the accompanying consolidated balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below.

Other Real Estate Owned

Other real estate owned (OREO) is carried at the lower of fair value at acquisition date or current estimated fair value, less estimated cost to sell when the real estate is acquired. Estimated fair value of OREO is based on appraisals or evaluations. OREO is classified within Level 3 of the fair value hierarchy.

Appraisals of OREO are obtained when the real estate is acquired and subsequently as deemed necessary by the CFO’s office. Appraisals are reviewed for accuracy and consistency by the CFO’s office. Appraisers are selected from the list of approved appraisers maintained by management.

Collateral-Dependent Impaired Loans, Net of ALLL

The estimated fair value of collateral-dependent impaired loans is based on the appraised fair value of the collateral, less estimated cost to sell. Collateral-dependent impaired loans are classified within Level 3 of the fair value hierarchy.

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The Company considers the appraisal or evaluation as the starting point for determining fair value and then considers other factors and events in the environment that may affect the fair value.

Appraisals of the collateral underlying collateral-dependent loans are obtained when the loan is determined to be collateral-dependent and subsequently as deemed necessary by the CFO’s office. Appraisals are reviewed for accuracy and consistency by the CFO’s office. Appraisers are selected from the list of approved appraisers maintained by management. The appraised values are reduced by discounts to consider lack of marketability and estimated cost to sell if repayment or satisfaction of the loan is dependent on the sale of the collateral. These discounts and estimates are developed by the CFO’s office by comparison to historical results.

Unobservable (Level 3) Inputs:

The following tables present quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements other than goodwill.

Fair Value

Valuation
Technique

Unobservable Inputs

Weighted
Average

At December 31, 2015:

Other real estate owned

202,100

Market
comparable
properties

Comparability
adjustment (%)

Not available

Collateral-dependent impaired loans, net of
ALLL

1,274,372

Market
comparable
properties

Marketability
discount

10% – 15% (11.4%)

Mortgage servicing rights

83,176

Discounted
cash flow

Constant
prepayment rate

8.8% – 16% (11.9%)

Probability
of default

1% – 8% (2.9%)

Discount rate

5.6% – 12.0% (10.4%)

At December 31, 2014:

Other real estate owned

190,000

Market
comparable
properties

Comparability
adjustment (%)

Not available

Collateral-dependent impaired loans, net of
ALLL

1,441,487

Market
comparable
properties

Marketability
discount

10% – 15% (12%)

Mortgage servicing rights

114,193

Discounted
cash flow

Constant
prepayment rate

8.5% – 16% (11.2%)

Probability
of default

1% – 8% (2.1%)

Discount rate

7.6% – 13.0% (10.4%)

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Fair Value of Financial Instruments

The following tables present estimated fair values of the Company’s financial instruments and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2015 and 2014.

	Fair Value Measurements Using
	Carrying Amount			Quoted Prices in Active Markets for Identical Assets (Level 1)			Significant Other Observable Inputs (Level 2)			Significant Unobservable Inputs (Level 3)
At December 31, 2015:
Financial assets:
Cash and cash equivalents		$	10,906,893		$	10,906,893		$	—		$	—
FHLB Stock			686,200			—			686,200			—
Loans, net of allowance for loan losses			106,955,455			—			—			107,347,000
Accrued interest receivable			314,174			—			314,174			—
Mortgage servicing rights			325,539			—			—			612,290
Financial liabilities:
Deposits			113,330,856			13,940,853			99,414,003			—
Federal Home Loan Bank advances			8,000,000						8,063,000
Accrued interest payable			6,137			—			6,137			—

	Fair Value Measurements Using
	Carrying Amount			Quoted Prices in Active Markets for Identical Assets (Level 1)			Significant Other Observable Inputs (Level 2)			Significant Unobservable Inputs (Level 3)
At December 31, 2014:
Financial assets:
Cash and cash equivalents		$	13,444,597		$	13,444,597		$	—		$	—
FHLB Stock			1,078,900			—			1,078,900			—
Loans held for sale			48,300			—			48,300
Loans, net of allowance for loan losses			89,479,525			—			—			89,756,000
Accrued interest receivable			302,777			—			302,777			—
Mortgage servicing rights			317,912			—			—			526,647
Financial liabilities:
Deposits			98,493,112			11,730,674			86,842,438			—
Federal Home Loan Bank advances			10,000,000			—			10,098,000			—
Accrued interest payable			6,256			—			6,256			—

The following methods were used to estimate the fair value of all other financial instruments recognized in the accompanying consolidated balance sheets at amounts other than fair value.

Cash and Cash Equivalents

The carrying amount approximates fair value.

Loans Held For Sale

The carrying amount approximates fair value due to the insignificant time between origination and date of sale. The carrying amount is the amount funded and accrued interest.

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Loans, Net of Allowance for Loan Losses

Fair value is estimated by discounting the future cash flows using the market rates at which similar notes would be made to borrowers with similar credit ratings and for the same remaining maturities. The market rates used are based on current rates the Banks would impose for similar loans and reflect a market participant assumption about risks associated with nonperformance, illiquidity, and the structure and term of the loans along with local economic and market conditions.

Accrued Interest Receivable and Payable

The carrying amount approximates fair value. The carrying amount is determined using the interest rate, balance and last payment date.

Deposits

Fair value of term deposits is estimated by discounting the future cash flows using rates of similar deposits with similar maturities. The market rates used were obtained from a knowledgeable independent third party and reviewed by the Company. The rates were the average of current rates offered by local competitors of the Company.

The estimated fair value of demand, savings and money market deposits is the book value since rates are regularly adjusted to market rates and amounts are payable on demand at the reporting date.

Federal Home Loan Bank Advances

Fair value is estimated by discounting the future cash flows using rates of similar advances with similar maturities. These rates were obtained from current rates offered by the FHLB.

Note 13: Significant Estimates and Concentrations

Accounting principles generally accepted in the United States of America require disclosure of certain significant estimates and current vulnerabilities due to certain concentrations. Estimates related to the allowance for loan losses are reflected in the footnote regarding loans. Current vulnerabilities due to certain concentrations of credit risk are discussed in the footnote on commitments and credit risk. Significant estimates associated with financial instruments are discussed in the footnote on fair value of financial instruments.

Note 14: Commitments and Credit Risk

The Company maintains off-balance sheet investments in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. Loan 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. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements.

The instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized, if any, in the balance sheet. The Company’s maximum exposure to loan loss in the event of nonperformance by the other party to the financial instruments for commitments to extend credit and standby letters of credit is represented by the face amount of these instruments. Commitments to extend credit are recorded when they are funded and standby letters of credit are carried at fair value.

The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments. Collateral, such as accounts receivable, securities, inventory, property and equipment, is generally obtained based on management’s credit assessment of the borrower.

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Fair value of the Company’s off-balance-sheet instruments (commitments to extend credit and standby letters of credit) is based on rates currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties’ credit standing. At December 31, 2015 and 2014, the rates on existing off-balance-sheet instruments were equivalent to current market rates, considering the underlying credit standing of the counterparties.

Loan commitments and standby letters of credit outstanding as December 31, 2015 and 2014, were as follows:

	2015			2014
Commitments to extend credit – variable rate		$	15,520,785		$	14,687,657
Commitments to extend credit – fixed rate			3,372,791			5,402,290
Standby letters of credit			80,000			10,000

Note 15: Recent Accounting Pronouncements

In May 2014, the FASB issued ASU2014-09, “Revenue from contracts with Customers” (Topic 606) ASU 2014-09 supersedes the revenue recognition requirements in ASC 605, Revenue Recognition, and is based on the principle that revenue is recognized to depict the transfer of goods or services to customers in an amount that reflects consideration to which the entity expects to be entitled in exchange for those goods and services. The ASU also requires additional disclosure about the nature, amount, timing and uncertainty of revenue and cash flows arising from customer contracts, including significant judgments and changes in judgments and assets recognized from costs incurred to obtain or fulfill a contract. This guidance is effective prospectively for the Company for annual and interim periods beginning after December 15, 2017. The Company is currently evaluating the effect the guidance will have on the Company’s consolidated financial statements.

In April 2015, the Financial Accounting Standards Board (FASB) issued ASU2015-03 “Interest-imputation of interest” (Subtopic 835-30) simplifies the presentation of debt issuance costs by requiring that debt issuance costs be presented in the balance sheet as a direct deduction from the carrying amount of debt liability, consistent with debt discounts or premiums. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this update. This update will be effective for interim and annual periods beginning after December 15, 2015, and is to be applied retrospectively. The adoption of this guidance is not expected to have a significant effect on the Company’s consolidated financial statements.

In September 2015, the FASB issued ASU 2015-16, “Business Combinations: Simplifying the Accounting for Measurement — Period Adjustments (Topic 805)”. The amendments clarify that an acquirer recognizes adjustments to provisional amounts that are identified during the measurement period in the reporting period in which the adjustment amounts are determined. The acquirer needs to record, in the same period’s financial statements, the effect of changes in depreciation, amortization, or other income as a result of the change to the provisional amounts as if the accounting had been completed at the acquisition date. This amendment requires an entity to present separately on the face of the income statement or disclose in the notes the portion of the amount recorded in current period earnings by line item as if the provisional adjustments had been recognized as of the acquisition date. This guidance is effective for annual and interim periods beginning after December 15, 2015. The adoption of the guidance is not expected to have a significant effect on the Company’s consolidated financial statements.

In January 2016, the FASB issued ASU 2016-1, “Financial Instruments — Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities”. This guidance addresses certain aspects of recognition, measurement, presentation and disclosure of financial instruments. The primary focus of this guidance is to supersede the guidance to classify equity securities with readily determinable fair values into different categories (trading or available-for-sale) and requires equity securities to be measured at fair value with changes in the fair value recognized through net income. This guidance requires adoption through a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of

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adoption. This ASU is effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. Early adoption is permitted for all companies in any interim or annual period. The Company is currently evaluating the effect the guidance will have on the Company’s consolidated financial statements.

Note 16: Earnings (Loss) Per Share

Earnings (loss) per share amount is based on the weighted average number of shares outstanding for the period and the net loss applicable to common stockholders. ESOP shares are excluded from shares outstanding until they have been committed to be released.

	December 31, 2015			December 31, 2014
Net Income (Loss)		$	42,138		$	(816,273)
Shares outstanding for basic EPS:
Average shares outstanding			667,898			640,450
Less: Average unearned ESOP shares			50,309			50,245
			617,589			590,205
Additional dilutive shares			—			—
Shares outstanding for basic and diluted EPS			617,589			590,205
Basic and diluted income (loss) per share		$	0.07		$	(1.38)

Note 17: Condensed Financial Information (Parent Company Only)

Presented below is condenses financial information as to the financial position, results of operations and cash flows of the company:

Condensed Balance Sheet

	2015			2014
Assets
Cash and due from banks		$	733,318		$	1,059,374
Investment in bank			12,615,381			12,247,581
Other assets			28,177			—
Total assets		$	13,376,876		$	13,306,955
Liabilities
Other			4,814			3,495
			4,814			3,495
Temporary Equity
ESOP shares subject to mandatory redemption			46,197			22,193
Stockholders’ Equity			13,325,865			13,281,267
Total liability and stockholders’ equity		$	13,376,876		$	13,306,955

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Condensed Statement of Operations and Comprehensive Loss

	2015			2014
Income
Other income		$	7,071		$	9,349
Expense
Other expenses			330,273			165,776
Loss Before Income Tax and Equity in Undistributed Income of Subsidiary			(323,202)			(156,427)
Income Tax Benefit			—			—
Loss Before Equity in Undistributed Income (Loss) of Subsidiary			(323,202)			(156,427)
Equity in Undistributed Income (Loss) of Subsidiary			365,340			(659,846)
Net Income (Loss)		$	42,138		$	(816,273)
Comprehensive Income (Loss)		$	44,598		$	(697,777)

Condensed Statement of Cash Flows

	2015			2014
Operating Activities
Net income (loss)		$	42,138		$	(816,273)
Items not requiring (providing) cash
Equity in undistributed (income) loss of subsidiary			(365,340)			659,846
Compensation expense on allocated ESOP shares			24,004			22,193
Change in other assets			(28,177)			—
Change in other liabilities			1,319			3,495
Net cash used in operating activities			(326,056)			(130,739)
Investing Activities
Investment in Bank			—			(3,500,000)
Financing Activities
Net proceeds from stock conversion			—			4,690,113
Net Change in Cash and Due From Banks			(326,056)			1,059,374
Cash and Due From Banks at Beginning of Year			1,059,374			—
Cash and Due From Banks at End of Year		$	733,318		$	1,059,374

Note 18: Plan of Conversion and Change in Corporate Form

On January 16, 2014, the Bank converted into a stock savings bank structure with the establishment of a stock holding company, Edgewater Bancorp, Inc. (Company), as parent of the Bank. The Bank converted to the stock form of ownership, followed by the issuance of all of the Bank’s outstanding stock to the Company. A total of 667,898 shares of the Company were issued at $10.00 per share for total gross offering proceeds of $6,678,980. In addition, the Banks’s Board of Directors adopted an employee stock ownership plan (ESOP) which subscribed for 8% of the common stock sold in the offering, for a total of $534,310. The Company is incorporated under the laws of the State of Maryland and owns all of the outstanding common stock of the Company.

The conversion costs of issuing the common stock, approximately $1,455,000, were deducted from the sales proceeds of the offering.

In accordance with federal regulations, at the time of the conversion, the Company established a parallel liquidation account. The liquidation account will be maintained for the benefit of eligible account holders who continue to maintain their accounts at the Bank after conversion. The liquidation account will

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be reduced annually to the extent that eligible account holders have reduced their qualifying deposits. Subsequent increases will not restore an eligible account holder’s interest in the liquidation account. In the event of a complete liquidation of the Bank, and only in such event, each eligible account holder will be entitled to receive a distribution from the liquidation account in an amount proportionate to the adjusted qualifying account balances then held. The Bank may not pay dividends if those dividends would reduce equity capital below the required liquidation account amount. The conversion was accounted for as a change in corporate form with the historic basis of the Company’s assets, liabilities and equity unchanged as a result.

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Signatures

Pursuant to the requirements of Section 13 of the Securities Exchange Act of 1934, the Company has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

	Edgewater Bancorp, Inc.
Date: March 29, 2016	By:	/s/ Richard E. Dyer
		Richard E. Dyer, President and Chief Executive Officer

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

Signatures	Title	Date
/s/ Richard E. Dyer	President and Chief Executive Officer (Principal Executive Officer)	March 29, 2016
Richard E. Dyer
/s/ Coleen S. Frens-Rossman	Senior Vice President and Chief Financial Officer (Principal Financial and Accounting Officer)	March 29, 2016
Coleen S. Frens-Rossman
/s/ Kenneth F. Ankli III	Chairman of the Board	March 29, 2016
Kenneth F. Ankli III
/s/ Robert D. Gottlieb	Director	March 29, 2016
Robert D. Gottlieb
/s/ James R. Marohn	Director	March 29, 2016
James R. Marohn
/s/ Stephen Ross	Director	March 29, 2016
Stephen Ross
/s/ Thomas L. Starks	Director	March 29, 2016
Thomas L. Starks
/s/ Norma Tirado-Kellenberger	Director	March 29, 2016
Norma Tirado-Kellenberger
/s/ Lynn C. Todman	Director	March 29, 2016
Lynn C. Todman

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EXHIBIT INDEX

	3.1			Articles of Incorporation of Edgewater Bancorp, Inc., incorporated by reference to Exhibit 3.1 to the Registration Statement on Form S-1 (file no. 333-191125), initially filed by Edgewater Bancorp, Inc. on September 12, 2013.
	3.2			Bylaws of Edgewater Bancorp, Inc., incorporated by reference to Exhibit 3.2 to the Registration Statement on Form S-1 (file no. 333-191125), initially filed by Edgewater Bancorp, Inc. on September 12, 2013.
	4			Form of Common Stock Certificate of Edgewater Bancorp, Inc, incorporated by reference to Exhibit 4 to the Registration Statement on Form S-1 (file no. 333-191125), initially filed by Edgewater Bancorp, Inc. on September 12, 2013.
	10.1 *			Employee Stock Ownership Plan, incorporated by reference to Exhibit 10.1 to the Registration Statement on Form S-1 (file no. 333-191125), initially filed by Edgewater Bancorp, Inc. on September 12, 2013.
	10.2 *			Amended and Restated Employment Agreement between Edgewater Bank and Richard E. Dyer dated as of August 19, 2015, incorporated by reference to Exhibit 10.1 to the Edgewater Bancorp, Inc. Current Report on Form 8-K dated August 19, 2015.
	10.3 *			Amended and Restated Employment Agreement between Edgewater Bank and Coleen S. Frens-Rossman dated as of August 19, 2015, incorporated by reference to Exhibit 10.2 to the Edgewater Bancorp, Inc. Current Report on Form 8-K dated August 19, 2015.
	21			Subsidiaries of Registrant, incorporated by reference to Exhibit 21 to the Registration Statement on Form S-1 (file no. 333-191125) initially filed by Edgewater Bancorp, Inc. on September 12, 2013.
	23			Consent of BKD, LLP
	31.1			Certification required pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
	31.2			Certification required pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
	32.1			Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
	101**			The following materials from the Company’s Annual Report on Form 10-K for the year ended December 31, 2015, formatted in XBRL (Extensible Business Reporting Language): (i) Consolidated Balance Sheets; (ii) Consolidated Statements of Income; (iii) Consolidated Statements of Comprehensive Income; (iv) Consolidated Statements of Stockholders Equity; (v) Consolidated Statements of Cash Flows; and (vi) Notes to Consolidated Financial Statements.

Management contract or compensatory agreement or arrangement.

EX-23 2 t1600508_ex23.htm EXHIBIT 23 t1600508-10k_DIV_08-ex23 - none - 2.1972197s

Exhibit 23

Consent of Independent Registered Public Accounting Firm

We consent to the incorporation by reference in the Registration Statement on Form S-8 pertaining to the Edgewater Bank 401(k) Plan (File No. 333-194011) of our report dated March 29, 2016, on our audits of the consolidated financial statements of Edgewater Bancorp, Inc. as of and for the years ended December 31, 2015 and 2014, which report is included in this Annual Report on Form 10-K.

BKD, LLP

Fort Wayne, Indiana
March 29, 2016

EX-31.1 3 t1600508_ex31-1.htm EXHIBIT 31.1 t1600508-10k_DIV_09-ex31-1 - none - 2.3152315s

Exhibit 31.1

Certification of Chief Executive Officer

Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

I, Richard E. Dyer, certify that:

I have reviewed this annual report on Form 10-K of Edgewater Bancorp, Inc.;

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

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;

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

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

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;

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

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

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

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

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.

	March 29, 2016			/s/ Richard E. Dyer
	Date			Richard E. Dyer
				President and Chief Executive Officer

EX-31.2 4 t1600508_ex31-2.htm EXHIBIT 31.2 t1600508-10k_DIV_10-ex31-2 - none - 2.0762076s

Exhibit 31.2

Certification of Chief Financial Officer

Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

I, Coleen S. Frens-Rossman, certify that:

I have reviewed this annual report on Form 10-K of Edgewater Bancorp, Inc.;

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.

	March 29, 2016			/s/ Coleen S. Frens-Rossman
	Date			Coleen S. Frens-Rossman
				Senior Vice President and Chief Financial Officer

EX-32.1 5 t1600508_ex32-1.htm EXHIBIT 32.1 t1600508-10k_DIV_11-ex32-1 - none - 2.2632263s

Exhibit 32.1

Certification pursuant to
18 U.S.C. Section 1350,
as adopted pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002

In connection with the Annual Report of Edgewater Bancorp, Inc. (“Company”) on Form 10-K for the period ended December 31, 2015 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Richard E. Dyer, President and Chief Executive Officer and I, Coleen S. Frens-Rossman, Senior Vice President and Chief Financial Officer of the Company certify pursuant to 18 U.S.C. §1350, as adopted pursuant to §906 of the Sarbanes-Oxley Act of 2002:

(1)

the Report fully complies with the requirements of Sections 13(a) 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.

	March 29, 2016			/s/ Richard E. Dyer
	Date			Richard E. Dyer President and Chief Executive Officer
	March 29, 2016			/s/ Coleen S. Frens-Rossman
	Date			Coleen S. Frens-Rossman Senior Vice President and Chief Financial Officer

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<div> <div style="widows: 1; text-transform: none; margin-top: 12pt; text-indent: 0px; font: bold 13px/11pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">Note 3:   Securities</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">The amortized cost and approximate fair values, together with gross unrealized gains and losses, of securities are as follows:</div> <table style="widows: 1; text-transform: none; margin-top: 8pt; text-indent: 0px; width: 456pt; border-collapse: collapse; font: 13px 'times new roman', times, serif; white-space: normal; letter-spacing: normal; height: 142.5pt; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 235.32pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="22"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 235.32pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Amortized <br />Cost</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Gross <br />Unrealized <br />Gains</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Gross <br />Unrealized <br />Losses</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Fair Value</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 235.32pt; padding-right: 0pt; padding-top: 3.25pt;">Available-for-sale securities:</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 235.32pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">U.S. Government and federal agency</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5,952,239</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">925</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">28,222</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5,924,942</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 235.32pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">State and political subdivisions</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">2,555,544</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">8,357</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5,015</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">2,558,886</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/12pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.833pt; padding-left: 0pt; width: 235.32pt; padding-right: 0pt; white-space: normal; padding-top: 2.167pt;"> <div style="text-indent: -10pt; margin-left: 20pt;">Mortgage-backed – Government-Sponsored Enterprise (GSE)-residential</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">2,566,762</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">14,222</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">10,728</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">2,570,256</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 235.32pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Collateralized mortgage obligations – GSE</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">653,493</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 21pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">6,161</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 21pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">659,654</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 235.32pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="margin-left: 10pt;">Total available-for-sale securities</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 34.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">11,728,038</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 21pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">29,665</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 21pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">43,965</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 34.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">11,713,738</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="30"></td> </tr> </table> <table style="widows: 1; text-transform: none; margin-top: 13pt; text-indent: 0px; width: 456pt; border-collapse: collapse; font: 13px 'times new roman', times, serif; white-space: normal; letter-spacing: normal; height: 142.5pt; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 235.32pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="22"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 235.32pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Amortized <br />Cost</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Gross <br />Unrealized <br />Gains</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Gross <br />Unrealized <br />Losses</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Fair <br />Value</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 235.32pt; padding-right: 0pt; padding-top: 3.25pt;">Available-for-sale securities:</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 235.32pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">U.S. Government and federal agency</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5,002,617</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">3,230</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">66,017</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">4,939,830</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 235.32pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">State and political subdivisions</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">3,354,828</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">20,436</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">14,179</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">3,361,085</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/12pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.833pt; padding-left: 0pt; width: 235.32pt; padding-right: 0pt; white-space: normal; padding-top: 2.167pt;"> <div style="text-indent: -10pt; margin-left: 20pt;">Mortgage-backed – Government-Sponsored Enterprise (GSE)-residential</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">3,357,163</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">32,790</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">5,951</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">3,384,002</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 235.32pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Collateralized mortgage obligations – GSE</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,020,217</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 21pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">12,931</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 21pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,033,148</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 235.32pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="margin-left: 10pt;">Total available-for-sale securities</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 34.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">12,734,825</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 21pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">69,387</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 21pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">86,147</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 34.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">12,718,065</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="30"></td> </tr> </table> <div style="widows: 1; text-transform: none; margin-top: 12.99pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">The amortized cost and fair value of available-for-sale securities at December 31, 2015, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.</div> <table style="widows: 1; text-transform: none; margin-top: 8pt; text-indent: 0px; width: 416pt; border-collapse: collapse; font: 13px 'times new roman', times, serif; white-space: normal; letter-spacing: normal; height: 122pt; color: #000000; margin-left: 20pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 291.17pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="10"> <div style="text-align: center; white-space: nowrap;">December 31, 2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 291.17pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Amortized <br />Cost</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Fair <br />Value</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 291.17pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap;">Within one year</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">1,000,596</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">1,004,319</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 291.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">After one through five years</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">7,507,187</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">7,479,509</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 291.17pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">8,507,783</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">8,483,828</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 291.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Mortgage-backed – GSE residential</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">2,566,762</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">2,570,256</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 291.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Collateralized mortgage obligations – GSE</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">653,493</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">659,654</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.75pt; padding-left: 0pt; width: 291.17pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 34.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">11,728,038</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 34.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">11,713,738</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="16"></td> </tr> </table> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">The carrying value of securities pledged as collateral, to secure public deposits and for other purposes, was $246,401 and $345,931 at December 31, 2015 and 2014, respectively.</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">For the years ended December 31, 2015 and December 31 2014, there were no sales of securities available-for-sale.</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">Certain investments in debt securities are reported in the consolidated financial statements at an amount less than their historical cost. Total fair value of these investments at December 31, 2015 and 2014, was $6,612,243 and $6,066,781, which is approximately 56% and 48%, respectively, of the Company’s available-for-sale investment portfolio. These declines primarily resulted from recent increases in market interest rates since the securities were purchased.</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 0px; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; margin-left: 20pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;">Management believes the declines in fair value for these securities are temporary.</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">The following table shows the Company’s investments’ gross unrealized losses and fair value of the Company’s investments with unrealized losses that are not deemed to be other-than-temporarily impaired, aggregated by investment class and length of time that individual securities have been in a continuous unrealized loss position at December 31, 2015 and 2014:</div> <table style="widows: 1; text-transform: none; margin-top: 8pt; text-indent: 0px; width: 456pt; border-collapse: collapse; font: 13px 'times new roman', times, serif; white-space: normal; letter-spacing: normal; height: 153pt; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 175.99pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="34"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 175.99pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 3.25pt;" colspan="10"> <div style="text-align: center; white-space: nowrap;">Less than 12 Months</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 3.25pt;" colspan="10"> <div style="text-align: center; white-space: nowrap;">12 Months or Longer</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 3.25pt;" colspan="10"> <div style="text-align: center; white-space: nowrap;">Total</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 175.99pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Fair <br />Value</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Gross <br />Unrealized <br />Losses</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Fair <br />Value</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Gross <br />Unrealized <br />Losses</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Fair <br />Value</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Gross <br />Unrealized <br />Losses</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 175.99pt; padding-right: 0pt; padding-top: 3.25pt;">Available-for-sale securities:</td> <td style="width: 3pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/12pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.833pt; padding-left: 0pt; width: 175.99pt; padding-right: 0pt; white-space: normal; padding-top: 2.167pt;"> <div style="text-indent: -10pt; margin-left: 20pt;">U.S. Government and federal <br />agency</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;">$</td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">3,524,074</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;">$</td> <td style="min-width: 21pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">19,656</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;">$</td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">990,379</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;">$</td> <td style="min-width: 21pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">8,566</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;">$</td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">4,514,453</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;">$</td> <td style="min-width: 21pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">28,222</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 175.99pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">State and political subdivisions</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">494,985</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5,015</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">494,985</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5,015</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/12pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 1.833pt; padding-left: 0pt; width: 175.99pt; padding-right: 0pt; white-space: normal; padding-top: 2.167pt;"> <div style="text-indent: -10pt; margin-left: 20pt;">Mortgage-backed – GSE residential residential</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 30.75pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">1,602,805</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 21pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">10,728</td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 30.75pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">—</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 21pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">—</td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 30.75pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">1,602,805</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 21pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">10,728</td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.75pt; padding-left: 0pt; width: 175.99pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 30.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">5,126,879</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 21pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">30,384</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 30.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">1,485,364</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 21pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">13,581</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 30.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">6,612,243</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 21pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">43,965</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="44"></td> </tr> </table> <table style="widows: 1; text-transform: none; margin-top: 13pt; text-indent: 0px; width: 456pt; border-collapse: collapse; font: 13px 'times new roman', times, serif; white-space: normal; letter-spacing: normal; height: 168pt; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 175.99pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="34"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 175.99pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 3.25pt;" colspan="10"> <div style="text-align: center; white-space: nowrap;">Less than 12 Months</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 3.25pt;" colspan="10"> <div style="text-align: center; white-space: nowrap;">12 Months or Longer</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 3.25pt;" colspan="10"> <div style="text-align: center; white-space: nowrap;">Total</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 175.99pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Fair <br />Value</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Gross <br />Unrealized <br />Losses</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Fair <br />Value</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Gross <br />Unrealized <br />Losses</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Fair <br />Value</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Gross <br />Unrealized <br />Losses</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 175.99pt; padding-right: 0pt; padding-top: 3.25pt;">Available-for-sale securities:</td> <td style="width: 3pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/12pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.833pt; padding-left: 0pt; width: 175.99pt; padding-right: 0pt; white-space: normal; padding-top: 2.167pt;"> <div style="text-indent: -10pt; margin-left: 20pt;">U.S. Government and federal <br />agency</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;">$</td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.105pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;">$</td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 4.105pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;">$</td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">3,492,139</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;">$</td> <td style="min-width: 21pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">66,017</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;">$</td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">3,492,139</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;">$</td> <td style="min-width: 21pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">66,017</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 175.99pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">State and political subdivisions</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">804,572</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.105pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">2,604</td> <td style="padding-bottom: 0pt; padding-left: 4.105pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">488,425</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">11,575</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,292,997</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">14,179</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 175.99pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Mortgage-backed – GSE-residential</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/12pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 1.833pt; padding-left: 0pt; width: 175.99pt; padding-right: 0pt; white-space: normal; padding-top: 2.167pt;"> <div style="text-indent: -10pt; margin-left: 20pt;">Collateralized mortgage obligations – GSE</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 30.75pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">1,281,645</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 4.105pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 17.25pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">5,951</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 4.105pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 30.75pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 21pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 30.75pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">1,281,645</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 21pt; text-align: right; padding-bottom: 1.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">5,951</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.75pt; padding-left: 0pt; width: 175.99pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 30.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">2,086,217</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.105pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 17.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">8,555</td> <td style="padding-bottom: 0pt; padding-left: 4.105pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 30.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">3,980,564</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 21pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">77,592</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 30.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">6,066,781</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 21pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">86,147</td> <td style="padding-bottom: 0pt; padding-left: 1.605pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="44"></td> </tr> </table> <div style="widows: 1; text-transform: none; margin-top: 12.98pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">The unrealized losses on the Company’s investments in direct obligations of U.S. Government and federal agencies, state and political subdivisions and mortgage-backed GSE residential securities. were caused by interest rate changes. The contractual terms of those investments do not permit the issuer to settle the securities at a price less than the amortized cost basis of the investments. Because the Company does not intend to sell the investments and it is not more likely than not the Company will be required to sell the investments before recovery of their amortized cost bases, which may be maturity, the Company does not consider those investments to be other-than-temporarily impaired at December 31, 2015.</div> </div>

<div style="page-break-after: always; widows: 1; text-transform: none; text-indent: 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <div style="margin-top: 6pt;"> <div style="line-height: 11pt; margin-top: 6pt; font-weight: bold;">Note 4:   Loans and Allowance for Loan Losses</div> <div style="line-height: 12pt; margin-top: 6pt; margin-left: 20pt;">Classes of loans at December 31, 2015 and 2014, include:</div> <table style="margin-top: 8pt; width: 416pt; border-collapse: collapse; height: 235.5pt; margin-left: 20pt;"> <tr style="text-align: center; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.25pt;">Real estate loans:</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Residential 1 – 4 family</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">45,402,431</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">45,353,599</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Commercial Real Estate</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">32,374,013</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">27,908,662</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Construction and land development</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 38.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,975,842</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,523,281</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap;">Total real estate</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">79,752,286</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">74,785,542</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Commercial and industrial</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">8,147,480</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5,536,805</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Warehouse line</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">10,000,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.5pt;">Consumer loans:</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Home equity loans and lines of credit</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">9,003,016</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">9,331,608</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Other consumer loans</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 38.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,101,856</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">883,864</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap;">Total consumer</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 38.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">10,104,872</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">10,215,472</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="margin-left: 20pt;">Gross loans</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">108,004,638</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">90,537,819</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Net deferred loan costs</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(26,191<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(17,057<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Allowance for loan losses</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 38.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,075,374</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,075,351</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="margin-left: 20pt;">Net loans</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 38.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">106,955,455</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 34.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">89,479,525</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="16"></td> </tr> </table> <div style="line-height: 12pt; margin-top: 11.59pt; margin-left: 20pt;">Risk characteristics applicable to each segment of the loan portfolio are described as follows.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;"><font style="font-weight: bold;">Residential 1 – 4 Family, Home Equity Loans and Lines of Credit and Other Consumer:</font> The residential 1 – 4 family real estate loans are generally secured by owner-occupied 1 – 4 family residences. Home equity loans and lines of credit are typically secured by a subordinate interest in 1 – 4 family residences and consumer loans are secured by consumer assets such as automobiles and other personal property. Repayment of these loans is primarily dependent on the personal income and credit rating of the borrowers. Credit risk in these loans can be impacted by economic conditions within the Bank’s market areas that might impact either property values or a borrower’s personal income. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;"><font style="font-weight: bold;">Commercial Real Estate including Construction and Land:</font> Commercial real estate loans typically involve larger principal amounts, and repayment of these loans is generally dependent on the successful operations of the property securing the loan or the business conducted on the property securing the loan. These loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Construction and land real estate loans are usually based upon estimates of costs and estimated value of the completed project and include independent appraisal reviews and a financial analysis of the developers and property owners. Sources of repayment of these loans may include permanent loans, sales of developed property or an interim loan commitment from the Bank until permanent financing is obtained. These loans are considered to be higher risk than other real estate loans due to their ultimate repayment being sensitive to interest rate changes, general economic conditions and the availability of long-term financing. Credit risk in these loans may be impacted by the creditworthiness of a borrower, property values and the local economies in the Company’s market areas.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;"><font style="font-weight: bold;">Commercial and Industrial:</font> The commercial and industrial portfolio includes loans to commercial customers for use in financing working capital needs, equipment purchases and expansions. The loans in this category are repaid primarily from the cash flow of a borrower’s principal business operation. Credit risk in these loans is driven by creditworthiness of a borrower and the economic conditions that impact the cash flow stability from business operations.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;"><font style="font-weight: bold;">Warehouse Line: </font>The residential mortgage warehouse line is a wholesale mortgage line participation. The lending is done with a specific mortgage company that is a customer with the participating bank. The participating bank underwrites each individual mortgage and the related mortgagee. Financing is provided to an approved mortgage company for the origination and sale of residential mortgage loans. A portion of each individual mortgage is assigned to the Edgewater Bank until the loans is sold on the secondary market. These loans are typically sold within 30 days and are seldom held more than 90 days. Interest income is accrued during this period and collected at the time each loan is sold. Edgewater Bank has established several controls to minimize potential risks including reviewing documents provided on the approved mortgage warehouse participants. Also, certain loan documents are received and reviewed on each loan in which Edgewater Bank is asked to participate in that allows Edgewater Bank to accept or reject the individual loan participation.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt; font-size: 10pt;">The following tables present by portfolio segment, the activity in the allowance for loan losses for the years ended December 31, 2015 and 2014, and the recorded investment in loans and impairment method as of December 31, 2015 and 2014:</div> <table style="margin-top: 8pt; width: 456pt; border-collapse: collapse; height: 237.5pt;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 1.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="34"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Residential <br />1 – 4 Family</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Commercial <br />Real Estate</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Commercial <br />and Industrial</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Warehouse <br />Line</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Consumer</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Total</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; padding-top: 2.25pt;">Allowance for loan losses</td> <td style="width: 3pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Balance, beginning of period</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">222,618</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">503,621</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">248,388</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">100,724</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,075,351</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; white-space: normal; padding-top: 2.5pt;"> <div style="text-indent: -10pt; margin-left: 20pt;">Provision (credit) for loan <br />losses</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">101,517</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">59,817</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">(179,051<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">60,787</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">21,930</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">65,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Loans charged to the allowance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">(570<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">(62,015<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">(18,657<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">(81,242<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; white-space: normal; padding-top: 2.5pt;"> <div style="text-indent: -10pt; margin-left: 20pt;">Recoveries of loans previously charged off</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">13,665</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,600</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">16,265</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.25pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; padding-top: 2.25pt;"> <div style="margin-left: 10pt;">Balance, end of year</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">337,230</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">504,023</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">69,337</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">60,787</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">103,997</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">1,075,374</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.25pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; white-space: normal; padding-top: 1.75pt;"> <div style="text-indent: -10pt; margin-left: 20pt;">Ending balance: individually evaluated for impairment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">13,969</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">302</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">372</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">14,643</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.25pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; white-space: normal; padding-top: 1.75pt;"> <div style="text-indent: -10pt; margin-left: 20pt;">Ending balance: collectively evaluated for impairment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">323,261</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">503,721</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">69,337</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">60,787</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">103,625</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">1,060,731</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; padding-top: 1.75pt;">Loans:</td> <td style="width: 3pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.25pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Ending balance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">45,402,431</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">34,349,855</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">8,147,480</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">10,000,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">10,104,872</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">108,004,638</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.25pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; white-space: normal; padding-top: 1.75pt;"> <div style="text-indent: -10pt; margin-left: 20pt;">Ending balance individually evaluated for impairment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">2,051,278</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">315,658</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">122,809</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">2,489,745</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; white-space: normal; padding-top: 1.75pt;"> <div style="text-indent: -10pt; margin-left: 20pt;">Ending balance collectively evaluated for impairment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">43,351,153</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">34,034,197</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">8,147,480</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">10,000,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">9,982,063</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">105,514,893</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 5pt; height: 5pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="44"></td> </tr> </table> <table style="margin-top: 13pt; width: 456pt; border-collapse: collapse; height: 237.5pt;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 1.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="34"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Residential <br />1 – 4 Family</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Commercial <br />Real Estate</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Commercial <br />and Industrial</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Warehouse <br />Line</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Consumer</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Total</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; padding-top: 2.25pt;">Allowance for loan losses</td> <td style="width: 3pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Balance, beginning of period</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">188,325</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">587,331</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">138,268</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">147,217</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,061,141</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; white-space: normal; padding-top: 2.5pt;"> <div style="text-indent: -10pt; margin-left: 20pt;">Provision (credit) for loan <br />losses</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">58,217</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">(174,664<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">110,120</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">6,327</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Loans charged to the allowance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">(27,134<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">(73,220<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">(100,354<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; white-space: normal; padding-top: 2.5pt;"> <div style="text-indent: -10pt; margin-left: 20pt;">Recoveries of loans previously charged off</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">3,210</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">90,954</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 10.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">20,400</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">114,564</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.25pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; padding-top: 2.25pt;"> <div style="margin-left: 10pt;">Balance, end of year</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">222,618</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">503,621</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">248,388</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 10.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">100,724</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">1,075,351</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.25pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; white-space: normal; padding-top: 1.75pt;"> <div style="text-indent: -10pt; margin-left: 20pt;">Ending balance: individually evaluated for impairment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">16,325</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">644</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 10.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">533</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">17,502</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.25pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; white-space: normal; padding-top: 1.75pt;"> <div style="text-indent: -10pt; margin-left: 20pt;">Ending balance: collectively evaluated for impairment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">206,293</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">502,977</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">248,388</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 10.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">100,191</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">1,057,849</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; padding-top: 1.75pt;">Loans:</td> <td style="width: 3pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.25pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Ending balance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">45,353,599</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">29,431,943</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">5,536,805</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 10.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">10,215,472</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">90,537,819</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.25pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; white-space: normal; padding-top: 1.75pt;"> <div style="text-indent: -10pt; margin-left: 20pt;">Ending balance individually evaluated for impairment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">2,727,712</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">1,356,103</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 10.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">152,879</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">4,236,694</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; white-space: normal; padding-top: 1.75pt;"> <div style="text-indent: -10pt; margin-left: 20pt;">Ending balance collectively evaluated for impairment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">42,625,887</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">28,075,840</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">5,536,805</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 10.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">10,062,593</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;"> 86,301,125</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 5pt; height: 5pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="44"></td> </tr> </table> </div> </div> <div style="page-break-after: always; widows: 1; text-transform: none; text-indent: 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <div style="margin-top: 0pt;"> <div style="line-height: 11pt; font-style: italic; margin-top: 6pt; font-weight: bold;">Internal Risk Categories</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">In adherence with policy, the Bank uses the following internal risk grading categories and definitions for loans:</div> <div style="line-height: 12pt; margin-top: 6pt;">RISK RATING 1 — EXCELLENT</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">General: The highest quality asset rating reflects superior, in-depth management, and superior financial flexibility. Conservative balance sheets are both strong and liquid, and historic cash flows (last five years) have provided exceptionally large and stable margins of protection.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">Specific: Financial statements are current, audited, of superior quality and in complete detail. Financial condition is superior and compares favorably to the industry average. Cash flow is outstanding relative to historical and projected debt service requirements. The borrower adheres to all loan covenants. Management (or individual) integrity and ability are outstanding.</div> <div style="line-height: 12pt; margin-top: 6pt;">RISK RATING 2 — STRONG</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">General: The borrower is fully responsible for the credit. Asset quality and liquidity are very good, and debt capacity and coverage are strong. The company has strong management in all positions, and is highly regarded with excellent financial flexibility including access to other sources of financing.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">Specific: Financial statements are current, of excellent quality and in adequate detail. Financial condition is very good and compares favorably to the industry average. Statements reflect a stable record of earnings over time and consistent profitability. Cash flow is strong relative to historical and projected debt service requirements. The borrower consistently adheres to the repayment schedules for both principal and interest. The borrower adheres to all loan covenants. Management (or individual) integrity and ability are outstanding.</div> <div style="line-height: 12pt; margin-top: 6pt;">RISK RATING 3 — GOOD</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">General: Asset quality and liquidity are strong, and debt capacity and coverage are good to above average. General financial trends are stable to favorable and financial and profitability ratios are consistent with industry peers. Management strength is apparent. The industry is average. Some modest elements of uncertainty may be present due to liquidity, margin and cash flow stability, asset of customer concentrations, dependence on one business type, or cyclical trends that may affect the borrower.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">Specific: The financial statements are generally current, of adequate detail, and of good quality. Publication of statements is at least once annually but in most cases more frequent. Financial condition is good relative to the industry. The earnings record is stable and consistent, although modest year-to-year earnings may fluctuate more than for borrowers rated Excellent (1) or Strong (2). Cash flow may vary during the repayment of the loan but does not fall below debt service requirements. Historical profitability may be inconsistent but losses are typically non-existent or infrequent. Liquidity and leverage are at the industry average. The borrower consistently adheres to repayment schedules for both principal and interest, and adheres to all loan covenants. Any waivers are immaterial, and do not negatively impact the strength of the credit. Management (or individual) integrity and ability are sound. Depth and breadth of management is also sound.</div> <div style="line-height: 12pt; margin-top: 6pt;">RISK RATING 4 — ACCEPTABLE</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">General: Asset quality and liquidity are good, and debt capacity and coverage are average to good. General financial trends are stable to favorable and financial and profitability ratios are consistent with industry peers. Management strength is apparent but may be limited to key positions. The industry is average. Some elements of uncertainty may be present due to liquidity, margin and cash flow stability, asset of customer concentrations, dependence on one business type, or cyclical trends that may affect the borrower. Adverse economic conditions may lead to declining trends.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">Specific: The financial statements are generally current, of adequate detail, and of average quality. Publication of statements is at least once annually. Financial condition is average relative to the industry. The earnings record is satisfactory, although year-to-year earnings patterns may fluctuate more than for borrowers rated Good (3). Cash flow may vary during the repayment of the loan but does not fall below debt service requirements. Historical profitability may be inconsistent and may have losses in recent years.</div> </div> </div> <div style="page-break-after: always; widows: 1; text-transform: none; text-indent: 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <div style="margin-top: 6pt;"> <div style="line-height: 12pt;">Liquidity and leverage may be below the industry average, and the borrower may be highly leveraged. The borrower consistently adheres to repayment schedules for both principal and interest, and adheres to all loan covenants. Any waivers are immaterial, and do not negatively impact the strength of the credit. Management (or individual) integrity and ability are sound. Depth and breadth of management is also sound.</div> <div style="line-height: 12pt; margin-top: 6pt;">RISK RATING 5 — WATCH</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">General: Loans in this category are considered to be acceptable credit quality, but contain greater credit risk than Risk Rating 4 loans due to weak balance sheets, marginal earnings or cash flow, lack of financial information, weakening markets, insufficient or questionable collateral coverage, or other uncertainties. These loans warrant a higher than average level of monitoring to ensure that potential weaknesses do not emerge. The level of risk in a Watch loan is within acceptable underwriting guidelines so long as the loan is given the proper level of management supervision.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">Specific: The financial statements may be missing, outdated, of poor quality, or lacking in important details. Financial condition is below the industry average. The borrower may be experiencing negative trends and/or erratic or unstable financial performance. The borrower may have suffered a loss in a recent period; however, losses have not been of the magnitude to have adversely affected the balance sheet. The borrower generally adheres to repayment schedules for principal and consistently for interest. Cash flow from primary sources has generally been adequate but, if existing trends continue may not be adequate to meet projected debt service requirements in the future. The borrower may have violated one or more financial or other covenants, but such has not materially impacted financial condition or performance. Industry outlook may be unfavorable. The integrity and quality of management remains good; however, management depth may be limited.</div> <div style="line-height: 12pt; margin-top: 6pt;">RISK RATING 6 — SPECIAL MENTION</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">General: Assets in this category have potential weaknesses that deserve the Bank’s close attention. If potential weaknesses are left unchecked or uncorrected, they may result in deterioration of the repayment prospects for the asset or inadequately protect the Bank’s credit position at some future date. These assets pose elevated risk, but their weakness does not expose the Bank to sufficient risk to warrant adverse classification.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">Specific: Borrowers may be experiencing adverse operating trends (declining revenues or margins) or an ill-proportioned balance sheet (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 (6) rating. Nonfinancial reasons for rating a credit Special Mention (6) include management problems, pending litigation, an ineffective loan agreement or other material structural weaknesses, and any other significant deviation from prudent lending practices.</div> <div style="line-height: 12pt; margin-top: 6pt;">RISK RATING 7 — SUBSTANDARD</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">General: Assets in this category are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. These assets have a well-defined weakness or weaknesses that jeopardize the timely liquidation of the debt. They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">Specific: Substandard assets have a high probability of payment default, or they have other well-defined weaknesses. The financial statements may be missing, seriously outdated, of poor quality, or lacking in important details. Financial condition is less than satisfactory. The borrower is experiencing negative trends and material losses. The primary source of cash flow is inadequate to meet current debt service requirements, and unless present conditions improve is potentially inadequate to meet projected debt service requirements. The borrower may have reached the point of employing its secondary source of cash flow. The borrower inconsistently adheres to repayment schedules for either principal or interest. The borrower may have violated one or more financial or other covenants, reflecting unsatisfactory liquidity and/or capitalization. Either the integrity or the ability of management may be in question. For some Substandard (7) assets, the likelihood of full collection of interest and principal may be in doubt; such assets should be placed on nonaccrual.</div> </div> </div> <div style="page-break-after: always; widows: 1; text-transform: none; text-indent: 0px; font: 9pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <div style="line-height: 8pt; font-style: normal; margin: 0pt; font-family: calibri, arial, sans-serif; font-size: 8pt; font-weight: normal; padding: 0pt;"></div> <div style="margin-top: 6pt; margin-bottom: 18pt;"> <div style="line-height: 12pt; margin-top: 6pt; font-size: 10pt;">RISK RATING 8 — DOUBTFUL</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt; font-size: 10pt;">General: Assets in this category have all the weaknesses inherent in one classified substandard with the added characteristic that the weaknesses make collection or liquidation in full on the basis of currently existing facts, conditions, and values, highly questionable and improbable.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt; font-size: 10pt;">Specific: An asset in this category has a high probability of total or substantial loss, but because of specific pending events that may strengthen the asset, its classification as loss is deferred. Doubtful borrowers are usually in default, lack adequate liquidity and capital, and lack the resources necessary to remain an operating entity. Pending events can include mergers, acquisitions, liquidations, capital injections, and the perfection of liens on additional collateral, the valuation of collateral and refinancing. Generally, pending events should be resolved within a relatively short period and the ratings will be adjusted based on new information. Because of high probability of loss, nonaccrual accounting treatment is required for Doubtful (8) assets.</div> <div style="line-height: 12pt; margin-top: 6pt; font-size: 10pt;">RISK RATING 9 — LOSS</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt; font-size: 10pt;">General: Assets in this category are considered uncollectible and of such little value that their continuance as bankable assets is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be obtained in the future.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt; font-size: 10pt;">Specific: With Loss (9) assets, the underlying borrowers are often in bankruptcy, have formally suspended debt repayments, or have otherwise ceased normal business operations. Once an asset is classified Loss (9), there is little prospect of collecting either its principal or interest. Losses are to be recorded in the period an obligation becomes uncollectable.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt; font-size: 10pt;">The following table presents the credit risk profile of the Bank’s loan portfolio based on internal rating category and payment activity as of December 31, 2015 and 2014:</div> </div> <div style="margin-top: 18pt; width: 504pt; margin-bottom: 18pt; margin-left: 46pt;"> <table style="margin-top: 0pt; width: 504pt; border-collapse: collapse; height: 108.5pt;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 99.11pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 2pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="46"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 99.11pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Residential <br />1 – 4 Family</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Commercial <br />Real Estate</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Construction <br />and Land</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Commercial <br />and Industrial</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Warehouse <br />Line</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Home <br />Equity</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Other <br />Consumer</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Total</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; width: 99.11pt; padding-right: 0pt; padding-top: 2.75pt;"> <div style="font-size: 7pt;"><font style="font-size: 9pt;">Pass</font><font style="position: relative; bottom: 3.75pt;">(1 – 5)</font></div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">44,838,588</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">30,037,894</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">1,966,182</td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">8,147,480</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">10,000,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">9,003,016</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">1,101,856</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">105,095,016</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; width: 99.11pt; padding-right: 0pt; padding-top: 3pt;"> <div style="white-space: nowrap;">Special Mention<font style="position: relative; bottom: 3.75pt; font-size: 7pt;">(6)</font></div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">1,553,936</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">1,553,936</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; width: 99.11pt; padding-right: 0pt; padding-top: 3pt;">Substandard<font style="position: relative; bottom: 3.75pt; font-size: 7pt;">(7)</font></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">563,843</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">782,183</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">9,660</td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">1,355,686</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; width: 99.11pt; padding-right: 0pt; padding-top: 3pt;">Doubtful<font style="position: relative; bottom: 3.75pt; font-size: 7pt;">(8)</font></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2pt; padding-left: 0pt; width: 99.11pt; padding-right: 0pt; padding-top: 3pt;">Loss<font style="position: relative; bottom: 3.75pt; font-size: 7pt;">(9)</font></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 36.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 99.11pt; padding-right: 0pt; padding-top: 2.75pt;"> <div style="margin-left: 10pt;">Total</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">45,402,431</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">32,374,013</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">1,975,842</td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">8,147,480</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">10,000,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">9,003,016</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">1,101,856</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">108,004,638</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4.5pt; height: 4.5pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="58"></td> </tr> </table> <table style="margin-top: 13pt; width: 504pt; border-collapse: collapse; height: 108.5pt;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 94.99pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 2pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="46"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 94.99pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Residential <br />1 – 4 Family</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Commercial <br />Real Estate</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Construction <br />and Land</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Commercial <br />and Industrial</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Warehouse <br />Line</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Home <br />Equity</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Other <br />Consumer</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Total</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 94.99pt; padding-right: 0pt; padding-top: 2.75pt;"> <div style="font-size: 7pt;"><font style="font-size: 9pt;">Pass</font><font style="position: relative; bottom: 3.75pt;">(1 – 5)</font></div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">44,618,696</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">25,726,754</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">1,344,107</td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">5,536,805</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">9,321,255</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">  883,864</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 40.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">  87,431,481</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 94.99pt; padding-right: 0pt; padding-top: 3pt;"> <div style="white-space: nowrap;">Special Mention<font style="position: relative; bottom: 3.75pt; font-size: 7pt;">(6)</font></div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">219,157</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 40.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">219,157</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 94.99pt; padding-right: 0pt; padding-top: 3pt;">Substandard<font style="position: relative; bottom: 3.75pt; font-size: 7pt;">(7)</font></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">734,903</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">1,962,751</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">179,174</td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">10,353</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 40.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">2,887,181</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 94.99pt; padding-right: 0pt; padding-top: 3pt;">Doubtful<font style="position: relative; bottom: 3.75pt; font-size: 7pt;">(8)</font></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 40.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2pt; padding-left: 0pt; width: 94.99pt; padding-right: 0pt; padding-top: 3pt;">Loss<font style="position: relative; bottom: 3.75pt; font-size: 7pt;">(9)</font></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 10.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 40.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 94.99pt; padding-right: 0pt; padding-top: 2.75pt;"> <div style="margin-left: 10pt;">Total</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">45,353,599</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">27,908,662</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">1,523,281</td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">5,536,805</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 10.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">9,331,608</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">883,864</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 40.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">90,537,819</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4.5pt; height: 4.5pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="58"></td> </tr> </table> </div> <div style="margin-top: 18pt;"> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt; font-size: 10pt;">The Bank evaluates the loan risk grading system definitions and allowance for loan loss methodology on an ongoing basis. No significant changes were made to either during the past year.</div> </div> </div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 0px; font: 13px 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt; font-size: 10pt;">The following tables present the Bank’s loan portfolio aging analysis of the recorded investment in loans as of December 31, 2015 and 2014:</div> <table style="margin-top: 8pt; width: 456pt; border-collapse: collapse; height: 134.5pt;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 1.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="40"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">30 – 59 Days <br />Past Due</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">60 – 89 Days <br />Past Due</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Greater <br />Than <br />90 Days</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Total <br />Past Due</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Current</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Total <br />Loans</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Total Loans <br />>90 Days & <br />Accruing</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.25pt;"> <div style="white-space: nowrap;">Residential 1 – 4 family</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">1,124,518</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">312,454</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">555,497</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">1,992,469</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">43,409,962</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">45,402,431</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Commercial real estate</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">9,715</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">9,715</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">32,364,298</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">32,374,013</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Construction and land</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">23,118</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">9,660</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">32,778</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,943,064</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,975,842</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Commercial and industrial </div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">99,541</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">99,541</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">8,047,939</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">8,147,480</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Warehouse Line</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">10,000,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">10,000,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Home equity</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">72,128</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">10,288</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">8,309</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">90,725</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">8,912,291</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">9,003,016</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Other consumer</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 24pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,852</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 24pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,852</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,099,004</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,101,856</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 10.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.75pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">1,305,902</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">348,712</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">573,466</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">2,228,080</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">105,776,558</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">108,004,638</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 10.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 5pt; height: 5pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="51"></td> </tr> </table> <table style="margin-top: 13pt; width: 456pt; border-collapse: collapse;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 1.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="40"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">30 – 59 Days <br />Past Due</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">60 – 89 Days <br />Past Due</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Greater <br />Than <br />90 Days</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Total <br />Past Due</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Current</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Total <br />Loans</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Total Loans <br />>90 Days & <br />Accruing</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.25pt;"> <div style="white-space: nowrap;">Residential 1-4 family</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">1,147,797</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">557,817</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">734,903</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">2,440,517</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;"> 42,913,082</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;"> 45,353,599</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Commercial real estate</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">11,782</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">11,782</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">27,896,880</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">27,908,662</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Construction and land</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">27,817</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">21,972</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">49,789</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,473,492</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,523,281</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; white-space: normal; padding-top: 2.5pt;"> <div style="text-indent: -10pt; margin-left: 10pt;">Commercial and <br />industrial</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">5,536,805</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">5,536,805</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Warehouse Line</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Home equity</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">54,224</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">25,601</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">10,353</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">90,178</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">9,241,430</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">9,331,608</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Other consumer</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 24pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">6,057</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 24pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">6,057</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">877,807</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">883,864</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 10.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.75pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">1,241,620</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">589,475</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">767,228</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">2,598,323</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">87,939,496</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">90,537,819</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 10.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 5pt; height: 5pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="51"></td> </tr> </table> <div style="line-height: 12pt; margin-top: 13.98pt; text-indent: 20pt; font-size: 10pt;">A loan is considered impaired, in accordance with the impairment accounting guidance (ASC 310-10-35-16), when based on current information and events, it is probable the Bank will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include nonperforming commercial loans but also include loans modified in troubled debt restructurings.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt; font-size: 10pt;">The following table presents impaired loans and specific valuation allowance based on class level for the years ended December 31, 2015 and 2014:</div> <table style="margin-top: 8pt; width: 456pt; border-collapse: collapse;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 1.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="40"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Residential <br />1 – 4 Family</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Commercial <br />Real Estate</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Construction <br />and Land</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Commercial <br />and Industrial</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Warehouse <br />Line</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Home <br />Equity</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Total</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 9pt/9pt 'times new roman', times, serif; white-space: normal; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 2.25pt;"> <div style="text-indent: -10pt; margin-left: 10pt;">Impaired loans without a specific allowance:</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Recorded investment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">848,467</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">273,166</td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 20.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">79,097</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,200,730</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Unpaid principal balance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">921,718</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">273,166</td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 20.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">79,097</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,273,981</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; font: bold 9pt/9pt 'times new roman', times, serif; white-space: normal; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="text-indent: -10pt; margin-left: 10pt;">Impaired loans with a specific allowance:</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Recorded investment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,202,811</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">9,715</td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 20.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">32,777</td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">43,712</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,289,015</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Unpaid principal balance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,259,063</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">11,111</td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 20.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">36,696</td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">45,687</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,352,557</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Specific allowance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">13,969</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">129</td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 20.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">173</td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">372</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">14,643</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; font: bold 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 2.5pt;">Total impaired loans:</td> <td style="width: 3pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Recorded investment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,051,278</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">282,881</td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 20.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">32,777</td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">122,809</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,489,745</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Unpaid principal balance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,180,781</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">284,277</td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 20.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">36,696</td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">124,784</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,626,538</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Specific allowance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">13,969</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">129</td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 20.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">173</td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">372</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">14,643</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> </table> </div> <div style="page-break-after: always; widows: 1; text-transform: none; text-indent: 0px; font: 9pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <div style="margin-top: 6pt;"> <table style="margin-top: 0pt; width: 456pt; border-collapse: collapse;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 1.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="40"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Residential <br />1 – 4 Family</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Commercial <br />Real Estate</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Construction <br />and Land</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Commercial <br />and Industrial</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Warehouse <br />Line</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Home <br />Equity</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Total</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 9pt/9pt 'times new roman', times, serif; white-space: normal; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.25pt;"> <div style="text-indent: -10pt; margin-left: 10pt;">Impaired loans without a specific allowance:</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Recorded investment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,396,878</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,003,575</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">290,956</td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">86,296</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,777,705</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Unpaid principal balance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,475,218</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,121,615</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">304,827</td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">92,277</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,993,937</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; font: bold 9pt/9pt 'times new roman', times, serif; white-space: normal; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="text-indent: -10pt; margin-left: 10pt;">Impaired loans with a specific allowance:</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Recorded investment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,330,834</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">11,782</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">49,790</td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">66,583</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,458,989</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Unpaid principal balance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,373,484</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">12,700</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">56,120</td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">69,627</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,511,931</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Specific allowance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">16,325</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">46</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">598</td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">533</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">17,502</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; font: bold 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.5pt;">Total impaired loans:</td> <td style="width: 3pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Recorded investment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,727,712</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,015,357</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">340,746</td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">152,879</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">4,236,694</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Unpaid principal balance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,848,702</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,134,315</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">360,947</td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">161,904</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">4,505,868</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Specific allowance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">16,325</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">46</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">598</td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">533</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">17,502</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> </table> <div style="line-height: 12pt; margin-top: 16.98pt; text-indent: 20pt; font-size: 10pt;">The following presents by portfolio class, information related to the average recorded investment and interest income recognized on impaired loans for the years ended December 31, 2015 and 2014:</div> <table style="margin-top: 8pt; width: 456pt; border-collapse: collapse; height: 83pt;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 1.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="40"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Residential <br />1 – 4 Family</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Commercial <br />Real Estate</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Construction <br />and Land</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Commercial <br />and Industrial</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Warehouse <br />Line</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Home <br />Equity</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Total</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; white-space: normal; padding-top: 2.25pt;"> <div style="text-indent: -10pt; margin-left: 10pt;">Average recorded investment in impaired loans</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">1,920,676</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">  290,494</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 20.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">38,295</td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">127,281</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;"> 2,376,746</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Interest income recognized</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">23,914</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">15,554</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 20.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,614</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">42,082</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; white-space: normal; padding-top: 2.5pt;"> <div style="text-indent: -10pt; margin-left: 10pt;">Interest income recognized on a cash basis</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">23,798</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">15,328</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 20.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,614</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">41,740</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> </table> <table style="margin-top: 11pt; width: 456pt; border-collapse: collapse; height: 83pt;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 1.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="40"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Residential <br />1 – 4 Family</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Commercial <br />Real Estate</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Construction <br />and Land</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Commercial <br />and Industrial</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Warehouse <br />Line</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Home <br />Equity</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Total</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; white-space: normal; padding-top: 2.25pt;"> <div style="text-indent: -10pt; margin-left: 10pt;">Average recorded investment in impaired loans</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">2,394,222</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">1,078,123</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">330,360</td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">137,430</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">3,940,135</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Interest income recognized</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">38,882</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">16,369</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">5,945</td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">303</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">61,499</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; white-space: normal; padding-top: 2.5pt;"> <div style="text-indent: -10pt; margin-left: 10pt;">Interest income recognized on a cash basis</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">38,748</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">16,369</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">5,945</td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">303</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">61,365</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> </table> <div style="line-height: 12pt; margin-top: 16.99pt; text-indent: 20pt; font-size: 10pt;">The following table presents the Bank’s nonaccrual loans at December 31, 2015 and 2014. This table excludes performing troubled debt restructurings.</div> <table style="margin-top: 8pt; width: 416pt; border-collapse: collapse; height: 129pt; margin-left: 20pt;"> <tr style="text-align: center; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap;">Residential 1 – 4 family</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">1,233,905</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">1,811,649</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Commercial real estate</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">9,715</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">729,032</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Construction and land</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">32,777</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">206,991</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Commercial and industrial</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Warehouse Line</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Home equity</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">43,712</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">150,511</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Other consumer</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 30.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 30.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.75pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 30.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">1,320,109</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 30.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">2,898,183</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="16"></td> </tr> </table> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt; font-size: 10pt;">At December 31, 2015 the Company did not have any loans that were modified in troubled debt restructurings however; in 2014, the Company had loans that were modified in troubled debt restructurings and impaired. The modification of terms of such loans included one or a combination of the following: an extension of maturity, a reduction of the stated interest rate or a permanent reduction of the recorded investment in the loan.</div> </div> <div style="page-break-after: always; text-transform: none; font-variant: normal; font-style: normal; font-family: 'times new roman', times, serif; color: #000000; font-size: 10pt; font-weight: normal;"> <div style="margin-top: 6pt;"> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">The following table presents information regarding troubled debt restructurings by class for the year ended December 31, 2015 and 2014.</div> <div style="line-height: 12pt; margin-top: 6pt; margin-left: 20pt;">Newly classified troubled debt restructurings:</div> <table style="margin-top: 8pt; width: 456pt; border-collapse: collapse; height: 181.5pt;"> <tr style="text-align: center; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 152.4pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="16"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="16"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 152.4pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Number <br />of Loans</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Pre- <br />Modification <br />Recorded <br />Balance</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Post <br />Modification <br />Recorded <br />Balance</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Number <br />of Loans</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Pre- <br />Modification <br />Recorded <br />Balance</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Post <br />Modification <br />Recorded <br />Balance</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 152.4pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap;">Residential 1 – 4 family</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 7.32pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 7.32pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.82pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 7.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">3</td> <td style="padding-bottom: 0pt; padding-left: 9.82pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">418,350</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">418,350</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 152.4pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Commercial real estate</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 7.32pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 7.32pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.82pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 7.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.82pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/12pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.833pt; padding-left: 0pt; width: 152.4pt; padding-right: 0pt; white-space: normal; padding-top: 2.167pt;"> <div style="text-indent: -10pt; margin-left: 10pt;">Construction and land development</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 7.32pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 7.32pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.82pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 7.5pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.82pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 152.4pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Commercial and industrial</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 7.32pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 7.32pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.82pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 7.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.82pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 152.4pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Warehouse line</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 7.32pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 7.32pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.82pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 7.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.82pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 152.4pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Home equity</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 7.32pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 7.32pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.82pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 7.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.82pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 152.4pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Other consumer</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 7.32pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 0pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 11.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 7.32pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 11.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 11.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 9.82pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 0pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 7.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 9.82pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 24.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 24.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.75pt; padding-left: 0pt; width: 152.4pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 7.32pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 0pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 11.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 7.32pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 11.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 11.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 11.54pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.82pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 0pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 7.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">3</td> <td style="padding-bottom: 0pt; padding-left: 9.82pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">418,350</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">418,350</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="44"></td> </tr> </table> <div style="line-height: 12pt; margin-top: 12.99pt; text-indent: 20pt;">The troubled debt restructurings described above increased the allowance for loan losses by $3,502 resulted in charge offs of  $19,937 during the year ended December 31, 2014.</div> <div style="line-height: 12pt; margin-top: 6pt; margin-left: 20pt;">Newly restructured loans by type of modification:</div> <table style="margin-top: 8pt; width: 456pt; border-collapse: collapse; height: 151.5pt;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 256pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="22"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 256pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Interest <br />Only</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Term</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Combination</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Total <br />Modification</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap;">Residential 1 – 4 family</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Commercial real estate</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Construction and land development</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Commercial and industrial</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Warehouse line</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Home equity</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 256pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Other consumer</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 11.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 11.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 11.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 11.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.75pt; padding-left: 0pt; width: 256pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 11.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 11.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 11.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 11.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="30"></td> </tr> </table> <table style="margin-top: 13pt; width: 456pt; border-collapse: collapse; height: 151.5pt;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 256.59pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="22"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 256.59pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Interest <br />Only</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Term</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Combination</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Total <br />Modification</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256.59pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap;">Residential 1 – 4 family</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">93,832</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">61,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">263,518</td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">418,350</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256.59pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Commercial real estate</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256.59pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Construction and land development</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256.59pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Commercial and industrial</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256.59pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Warehouse line</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256.59pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Home equity</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 256.59pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Other consumer</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 21pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 21pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 24.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 24.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.75pt; padding-left: 0pt; width: 256.59pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 21pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">93,832</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 21pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">61,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">263,518</td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">418,350</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="30"></td> </tr> </table> </div> </div> <div style="page-break-after: always; text-transform: none; font-variant: normal; font-style: normal; font-family: 'times new roman', times, serif; color: #000000; font-size: 10pt; font-weight: normal;"> <div style="line-height: 8pt; font-style: normal; margin: 0pt; font-family: calibri, arial, sans-serif; font-size: 8pt; font-weight: normal; padding: 0pt;"></div> <div style="margin-top: 6pt;"> <div style="line-height: 12pt; margin-top: 6pt; margin-left: 20pt;">Troubled debt restructurings modified in the past 12 months that subsequently defaulted:</div> <table style="margin-top: 8pt; width: 456pt; border-collapse: collapse;"> <tr style="text-align: center; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 268.31pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="10"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="10"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 268.31pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Number of <br />Loans</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Recorded <br />Balance</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Number of <br />Loans</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Recorded <br />Balance</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 268.31pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap;">Residential 1 – 4 family</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 268.31pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Commercial real estate</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">214,736</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 268.31pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Construction and land development</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 268.31pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Commercial and industrial</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 268.31pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Warehouse line</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 268.31pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Home equity</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 268.31pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Other consumer</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 0pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 11.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 11.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 0pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 11.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;"> —</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 24.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.75pt; padding-left: 0pt; width: 268.31pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 0pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 11.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 11.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 0pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 11.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">1</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">214,736</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="30"></td> </tr> </table> <div style="line-height: 12pt; margin-top: 12.98pt; text-indent: 20pt;">As of December 31, 2015, borrowers with loans designated as TDRs totaling $1,084,630 and consisting of  $732,385 of residential 1 – 4 family loans, $273,166 of commercial real estate loans, and $79,079 of home equity loans, met the criteria for placement on accrual status.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">As of December 31, 2014, borrowers with loans designated as TDRs totaling $1,431,843 and consisting of  $1,009,396 of residential 1 – 4 family, $286,325 of commercial real estate loans, $133,754 of construction and land development and $2,368 of home equity loans, met the criteria for placement on accrual status.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">This criteria is a minimum of six months of payment performance under existing or modified terms.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">The Company has had, and may be expected to have in the future, lending transactions in the ordinary course of business with principal stockholder, directors, executive officer and their affiliates (related parties), all of which have been, in the opinion of management, on the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with unrelated parties and which do not represent more than the normal risk of collectability or present other unfavorable features.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">Aggregate loan transaction with related parties for the year ended December 31, 2015 and year ended December 31, 2014:</div> <table style="margin-top: 8pt; width: 416pt; border-collapse: collapse; margin-left: 20pt;"> <tr style="text-align: center; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap;">Balance, January 1,</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">1,746,535</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">96,059</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">New loans and advances on lines</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">535,893</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,043,733</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Repayments</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(540,712<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(667,229<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Other, newly established related party</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 30.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">648,108</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 30.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,273,972</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 3.25pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap;">Balance, December 31,</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 30.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">2,389,824</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 30.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">1,746,535</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 2.75pt;"> <div style="white-space: nowrap;">Balance available on lines of credit or loan commitments</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">290,558</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">558,191</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> </table> <div style="line-height: 12pt; margin-top: 16.99pt; text-indent: 20pt;">None of these loans are past due, in nonaccrual status or have been restructured to provide a reduction or deferral of interest or principal because of deterioration in the financial position of the borrower. These were no loans to a related party that were considered classified at December 31, 2015 and December 31, 2014.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">On January 1, 2015, the Company adopted Accounting Standards Update (<font style="font-style: italic;">ASU) 2014-04, Receivables — Troubled Debt Restructuring by Creditors</font>. At December 31, 2015, the Company held no residential real estate as foreclosed property. Also, at December 31, 2015, there were no consumer mortgage loans in the process of foreclosure according to local requirements of the applicable jurisdictions.</div> </div> </div> </div>

<div> <div style="widows: 1; text-transform: none; margin-top: 16.5pt; text-indent: 0px; font: bold 13px/11pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">Note 8:   Federal Home Loan Bank Advances</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">Federal Home Loan Bank advances totaled $8,000,000 and $10,000,000 at December 31, 2015 and 2014, respectively. Federal Home Loan Bank advances and line of credit are secured by mortgage loans totaling approximately $29.0 million and $35.3 million at December 31, 2015 and 2014, respectively. Advances, at interest rates from .67 percent to 1.79 percent were subject to restrictions or penalties in the event of prepayment as of December 31, 2015. The Bank has a $2.0 million line of credit with the Federal Home Loan Bank and a $2.0 million federal funds line with United Bankers Bank, none of which was outstanding at December 31, 2015.</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 0px; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; margin-left: 20pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;">Scheduled maturities on advances are as follows:</div> <table style="widows: 1; text-transform: none; margin-top: 8pt; text-indent: 0px; width: 416pt; border-collapse: collapse; font: 13px 'times new roman', times, serif; white-space: normal; letter-spacing: normal; height: 66.5pt; color: #000000; margin-left: 20pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="width: 0pt; padding: 0pt;"></td> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 358.59pt; padding-right: 0pt; padding-top: 0pt;"> <div style="white-space: nowrap;">2016</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;">$</td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 0pt;">2,000,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="width: 0pt; padding: 0pt;"></td> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; width: 358.59pt; padding-right: 0pt; padding-top: 3pt;"> <div style="white-space: nowrap;">2017</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">2,000,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="width: 0pt; padding: 0pt;"></td> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; width: 358.59pt; padding-right: 0pt; padding-top: 3pt;"> <div style="white-space: nowrap;">2018</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">2,000,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2pt; padding-left: 0pt; width: 358.59pt; padding-right: 0pt; padding-top: 3pt;"> <div style="white-space: nowrap;">2019</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 30.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">2,000,000</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="width: 0pt; padding: 0pt;"></td> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 358.59pt; padding-right: 0pt; padding-top: 2.75pt;"> <div style="margin-left: 10pt;">Total</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 30.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">8,000,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4.5pt; height: 4.5pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="10"></td> </tr> </table> </div>

<div > <div style="widows: 1; text-transform: none; margin-top: 0pt; text-indent: 0px; font: 13px 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <div style="line-height: 11pt; margin-top: 16.5pt; font-weight: bold;">Note 9:   Income Taxes</div> <div style="line-height: 12pt; margin-top: 6pt; margin-left: 20pt;">The provision (credit) for income taxes includes these components:</div> <table style="margin-top: 8pt; width: 416pt; border-collapse: collapse; height: 51pt; margin-left: 20pt;"> <tr style="text-align: center; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 2.75pt;"> <div style="white-space: nowrap;">Taxes currently payable</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 20pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 20pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 23pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 23pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3pt;"> <div style="white-space: nowrap;">Deferred income taxes</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 20pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 11.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 20pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 23pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 11.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 23pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 2.75pt;"> <div style="margin-left: 10pt;">Income tax expense (benefit)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 20pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 11.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 20pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 23pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 11.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 23pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4.5pt; height: 4.5pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="16"></td> </tr> </table> </div> <div style="page-break-after: always; widows: 1; text-transform: none; text-indent: 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;" > <div style="line-height: 8pt; font-style: normal; margin: 0pt; font-family: calibri, arial, sans-serif; font-size: 8pt; font-weight: normal; padding: 0pt;"></div> <div style="margin-top: 6pt;" > <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">A reconciliation of income tax expense at the statutory rate to the Company’s actual income tax expense is shown below:</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">  <table style="widows: 1; text-transform: none; margin-top: 8pt; text-indent: 0px; width: 416pt; border-collapse: collapse; font: 13px 'times new roman', times, serif; white-space: normal; letter-spacing: normal; height: 99pt; color: #000000; margin-left: 20pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: center; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap;">Computed at the statutory rate (34%)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 23.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">14,321</td> <td style="padding-bottom: 0pt; padding-left: 11.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 12.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 27pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">(277,533<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 12.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;">Increase (decrease) resulting from</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Tax exempt interest</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 23.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 12.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 27pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 12.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Changes in the deferred tax asset valuation allowance</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 23.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(21,238<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 11.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 12.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 27pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">252,896</td> <td style="padding-bottom: 0pt; padding-left: 12.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Other</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 23.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">6,917</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 12.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 27pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">24,637</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 12.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="margin-left: 20pt;">Actual tax expense (benefit)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 23.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 12.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 27pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 12.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="14"></td> </tr> </table> </div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;" > </div> <div style="line-height: 12pt; margin-top: 12.98pt; text-indent: 20pt;">The tax effects of temporary differences related to deferred taxes shown on the consolidated balance sheets were:</div> <div style="line-height: 12pt; margin-top: 12.98pt; text-indent: 20pt;"> <table style="widows: 1; text-transform: none; margin-top: 8pt; text-indent: 0px; width: 416pt; border-collapse: collapse; font: 13px 'times new roman', times, serif; white-space: normal; letter-spacing: normal; height: 311.5pt; color: #000000; margin-left: 20pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: center; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.25pt;">Deferred tax assets</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Allowance for loan losses</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">432,755</td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">48,592</td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Valuation of other real estate</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,673</td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,729</td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Net operating loss carryforward</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">3,119,906</td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">3,169,105</td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Charitable contribution carryforward</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">22,605</td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">26,665</td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Unrealized loss on available-for-sale securities</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">4,862</td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5,698</td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Other</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">216,299</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="margin-left: 20pt;">Total assets</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">3,581,801</td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">3,468,088</td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;">Deferred tax liability</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Depreciation</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(170,778<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(197,153<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Deferred loan fees</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(8,941<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(5,900<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">FHLB stock dividends</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(23,065<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(36,742<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Other</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(171,961<font style="position: absolute;">)</font></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="margin-left: 20pt;">Total liabilities</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">(374,745<font style="position: absolute;">)</font></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">(239,795<font style="position: absolute;">)</font></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="margin-left: 20pt;">Net deferred tax asset before valuation allowance</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">3,207,056</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">3,228,293</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.25pt;">Valuation allowance</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Beginning balance</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(3,228,293<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(3,082,165<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Increase during the period</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">21,237</td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(146,128<font style="position: absolute;">)</font></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap;">Ending balance</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">(3,207,056<font style="position: absolute;">)</font></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">(3,228,293<font style="position: absolute;">)</font></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="margin-left: 20pt;">Net deferred tax asset (liability)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="14"></td> </tr> </table> </div> <div style="line-height: 12pt; margin-top: 12.98pt; text-indent: 20pt;">As of December 31, 2015, the Company has approximately $8.9 million of federal net operating loss carryforwards that begin expiring in 2029 and approximately $1.3 million of state net operating loss carryforwards that begin expiring in 2024.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">Retained earnings at December 31, 2015 and 2014, include approximately $702,000 for which no deferred federal income tax liability has been recognized. These amounts represent an allocation of income to bad debt deductions for tax purposes only. Reduction of amounts so allocated for purposes other than tax bad debt losses or adjustments arising from carryback of net operating losses would create income for tax purposes only, which would be subject to the then-current corporate income tax rate.</div> </div> </div> </div>

<div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 0px; font: bold 13px/11pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">Note 10:   Regulatory Matters</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Company’s assets, liabilities and certain off-balance-sheet items as calculated under U.S. GAAP, regulatory reporting requirements and regulatory capital standards. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Furthermore, the Company’s regulators could require adjustments to regulatory capital not reflected in these financial statements.</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">Quantitative measures established by regulatory capital standards to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below). Management believes, as of December 31, 2015 and 2014, that the Company meets all capital adequacy requirements to which it is subject.</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">As of December 31, 2015, the most recent notification from Office of Comptroller of the Currency categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum total risk-based, Tier I risk-based, Common equity Tier I, and Tier I leverage ratios as set forth in the table. The Common equity Tier I ratio became effective January 1, 2015. There are no conditions or events since that notification that management believes have changed the Bank’s category.</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 0px; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; margin-left: 20pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;">The Bank’s actual capital amounts and ratios are also presented in the following table.</div> <table style="widows: 1; text-transform: none; margin-top: 8pt; text-indent: 0px; width: 456pt; border-collapse: collapse; font: 13px 'times new roman', times, serif; white-space: normal; letter-spacing: normal; height: 187pt; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 225.01pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="10"> <div style="text-align: center; white-space: nowrap;">Actual</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="10"> <div style="text-align: center;">Minimum Amount <br />Required for <br />Adequate Capital<font style="position: relative; bottom: 3.25pt; font-size: 6pt;">(2)</font></div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="10"> <div style="text-align: center;">Minimum Amount <br />To Be Well <br />Capitalized<font style="position: relative; bottom: 3.25pt; font-size: 6pt;">(1)</font></div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 225.01pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Amount</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Ratio</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Amount</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Ratio</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Amount</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Ratio</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 225.01pt; padding-right: 0pt; padding-top: 3.25pt;">December 31, 2015</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 225.01pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Total capital<font style="position: relative; bottom: 4.25pt; font-size: 7.5pt;">(1)</font> (to risk-weighted assets)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">13,701</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">15.37<font style="position: absolute;">%</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">7,133</td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 13.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">8.00<font style="position: absolute;">%</font></td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">8,916</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">10.00<font style="position: absolute;">%</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 225.01pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Tier I capital<font style="position: relative; bottom: 4.25pt; font-size: 7.5pt;">(1)</font> (to risk-weighted assets)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">12,626</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">14.16</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5,350</td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 13.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">6.00</td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">7,133</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">8.00</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/12pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.833pt; padding-left: 0pt; width: 225.01pt; padding-right: 0pt; padding-top: 2.167pt;"> <div style="text-indent: -10pt; margin-left: 20pt;">Common Equity Tier I capital<font style="position: relative; bottom: 4.25pt; font-size: 7.5pt;">(1)</font> (to risk-weighted <br />assets)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">12,630</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">14.16</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">4,012</td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 13.5pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">4.50</td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">5,795</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">6.50</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 225.01pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Tier I capital<font style="position: relative; bottom: 4.25pt; font-size: 7.5pt;">(1)</font> (to average assets)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">12,630</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">9.42</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5,364</td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 13.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">4.00</td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">6,705</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5.00</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; font: bold 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 225.01pt; padding-right: 0pt; padding-top: 3.5pt;">December 31, 2014</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 225.01pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Total capital<font style="position: relative; bottom: 4.25pt; font-size: 7.5pt;">(1)</font> (to risk-weighted assets)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">13,188</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">17.87<font style="position: absolute;">%</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5,904</td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 13.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">8.00<font style="position: absolute;">%</font></td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">7,380</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">10.00<font style="position: absolute;">%</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 225.01pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Tier I capital<font style="position: relative; bottom: 4.25pt; font-size: 7.5pt;">(1)</font> (to risk-weighted assets)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">12,264</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">16.62</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">2,952</td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 13.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">4.00</td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">4,428</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">6.00</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 225.01pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Tier I capital<font style="position: relative; bottom: 4.25pt; font-size: 7.5pt;">(1)</font> (to average assets)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">12,264</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">10.03</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">4,893</td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 13.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">4.00</td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">6,116</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5.00</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> </table> <div style="widows: 1; text-transform: none; margin-top: 14.49pt; text-indent: 0px; width: 456pt; font: 13px 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <div style="border-bottom: #000000 1pt solid; line-height: 0pt; margin-top: 0pt; width: 108pt; margin-left: 0pt; font-size: 1pt;"></div> </div> <div style="text-align: left; widows: 1; text-transform: none; margin-top: 11.98pt; text-indent: 0px; width: 20pt; font: 13px 'times new roman', times, serif; white-space: nowrap; margin-bottom: 0pt; float: left; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">(1)</div> <div style="text-align: left; widows: 1; text-transform: none; margin-top: 11.98pt; text-indent: 0px; font: 13px 'times new roman', times, serif; white-space: normal; margin-bottom: 0pt; float: left; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">As defined by regulatory agencies</div> <div style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt; font: 0pt/0pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; clear: both; word-spacing: 0px; -webkit-text-stroke-width: 0px; padding: 0pt;"></div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">Effective October 20, 2009, the Company entered into a formal consent agreement with its primary regulator (formerly the Office of Thrift Supervision who functions were transferred to the Office of the Comptroller of the Currency (OCC) on July 21, 2012). Effective February 2, 2013, the OCC terminated the consent order. On January 23, 2013, the Company received notice from the OCC that it was subject to certain individual minimum capital ratio requirements. Effective during the fourth quarter of 2014, the OCC cancelled the individual minimum capital ratio requirements.</div> </div>

<div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 0px; font: 13px 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <div style="line-height: 11pt; margin-top: 12pt; font-weight: bold;">Note 12:   Disclosures About Fair Value of Assets and Liabilities</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value measurements must maximize the use of observable inputs and minimize the use of unobservable inputs. There is a hierarchy of three levels of inputs that may be used to measure fair value:</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: -39.65pt; margin-left: 59.65pt; font-weight: bold;">Level 1<font style="font-weight: normal;">   Quoted prices in active markets for identical assets or liabilities</font></div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: -39.65pt; margin-left: 59.65pt;"><font style="font-weight: bold;">Level 2</font>   Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: -39.65pt; margin-left: 59.65pt;"><font style="font-weight: bold;">Level 3</font>   Unobservable inputs supported by little or no market activity and are significant to the fair value of the assets or liabilities</div> </div> <div style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt; font: 8pt/8pt calibri, arial, sans-serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; padding: 0pt;"></div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 0px; font: 13px 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <div style="line-height: 11pt; font-style: italic; margin-top: 6pt; font-weight: bold;">Recurring Measurements</div> <div style="line-height: 12pt; margin-top: 4.02pt; text-indent: 20pt;">The following table presents the fair value measurements of assets recognized in the accompanying consolidated balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2015 and 2014:</div> <table style="margin-top: 8pt; width: 456pt; border-collapse: collapse; height: 157pt;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 209.64pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 2.167pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="22"> <div style="text-align: center;">December 31, 2015 <br />Fair Value Measurements Using</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #000000 1px solid; text-align: left; padding-bottom: 2.167pt; padding-left: 0pt; width: 209.64pt; padding-right: 0pt; padding-top: 2.583pt;"> <div style="white-space: nowrap;">Assets</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Fair Value</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Quoted Prices in <br />Active Markets for <br />Identical Assets <br />(Level 1)</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Significant <br />Other <br />Observable <br />Inputs <br />(Level 2)</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Significant <br />Unobservable <br />Inputs <br />(Level 3)</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 209.64pt; padding-right: 0pt; padding-top: 3.25pt;">Available-for-sale securities:</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 209.64pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">U.S. Government and federal agency</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5,924,942</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 23.845pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 7.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 23.845pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5,924,942</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.065pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.065pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 209.64pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">State and political subdivisions</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">2,558,886</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 23.845pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 7.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 23.845pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">2,558,886</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.065pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.065pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 209.64pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Mortgage-backed – GSE residential</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">2,570,256</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 23.845pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 7.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 23.845pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">2,570,256</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.065pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.065pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 209.64pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Collateralized mortgage obligations – GSE</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">659,654</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 23.845pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 7.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 23.845pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">659,654</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.065pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.065pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 209.64pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Mortgage servicing rights</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">83,176</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 23.845pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 7.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 23.845pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.065pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">83,176</td> <td style="padding-bottom: 0pt; padding-left: 6.065pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> </table> <table style="margin-top: 11pt; width: 456pt; border-collapse: collapse; height: 157pt;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 209.64pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 2.167pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="22"> <div style="text-align: center;">December 31, 2014 <br />Fair Value Measurements Using</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #000000 1px solid; text-align: left; padding-bottom: 2.167pt; padding-left: 0pt; width: 209.64pt; padding-right: 0pt; padding-top: 2.583pt;"> <div style="white-space: nowrap;">Assets</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Fair <br />Value</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Quoted Prices in <br />Active Markets for <br />Identical Assets <br />(Level 1)</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Significant <br />Other <br />Observable <br />Inputs <br />(Level 2)</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Significant <br />Unobservable <br />Inputs <br />(Level 3)</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 209.64pt; padding-right: 0pt; padding-top: 3.25pt;">Available-for-sale securities:</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 209.64pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">U.S. Government and federal agency</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">4,939,830</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 21.345pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 21.345pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">4,939,830</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 3.565pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 3.565pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 209.64pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">State and political subdivisions</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">3,361,085</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 21.345pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 21.345pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">3,361,085</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 3.565pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 3.565pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 209.64pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Mortgage-backed – GSE residential</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">3,384,002</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 21.345pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 21.345pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">3,384,002</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 3.565pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 3.565pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 209.64pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Collateralized mortgage obligations – GSE</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,033,148</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 21.345pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 21.345pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,033,148</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 3.565pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 3.565pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 209.64pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Mortgage servicing rights</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">114,193</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 21.345pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 21.345pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 3.565pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">114,193</td> <td style="padding-bottom: 0pt; padding-left: 3.565pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> </table> <div style="line-height: 12pt; margin-top: 11.01pt; text-indent: 20pt;">Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a recurring basis and recognized in the accompanying consolidated balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy. There have been no significant changes in the valuation techniques during the years ended December 31, 2015 and 2014. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below.</div> <div style="line-height: 11pt; font-style: italic; margin-top: 12pt; font-weight: bold;">Available-for-Sale Securities</div> <div style="line-height: 12pt; margin-top: 4.01pt; text-indent: 20pt;">Where quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. If quoted market prices are not available, then fair values are estimated by using quoted prices of securities with similar characteristics or independent asset pricing services and pricing models, the inputs of which are market-based or independently sourced market parameters, including, but not limited to, yield curves, interest rates, volatilities, prepayments, defaults, cumulative loss projections and cash flows. Such securities are classified in Level 2 of the valuation hierarchy including U.S. Government and federal agencies, state and political subdivisions, mortgage-backed securities GSE, and collateralized mortgage obligations GSE. In certain cases where Level 1 or Level 2 inputs are not available, securities are classified within Level 3 of the hierarchy. The Company has no securities classified as Level 3.</div> <div style="line-height: 11pt; font-style: italic; margin-top: 12pt; font-weight: bold;">Mortgage Servicing Rights</div> <div style="line-height: 12pt; margin-top: 4.02pt; text-indent: 20pt;">Mortgage servicing rights do not trade in an active, open market with readily observable prices. Accordingly, fair value is estimated using discounted cash flow models having significant inputs of discount rate, prepayment speed and default rate. Due to the nature of the valuation inputs, mortgage servicing rights are classified within Level 3 of the hierarchy.</div> </div> <div style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt; font: 8pt/8pt calibri, arial, sans-serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; padding: 0pt;"></div> <div style="widows: 1; text-transform: none; margin-top: 0pt; text-indent: 0px; font: 13px 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <div style="line-height: 12pt; margin-top: 0pt; text-indent: 20pt;">Mortgage servicing rights are tested for impairment on a quarterly basis. The Chief Financial Officer’s (CFO) office contracts with a pricing specialist to generate fair value estimates on at least an annual basis. The CFO’s office challenges the reasonableness of the assumptions used and reviews the methodology to ensure the estimated fair value complies with accounting standards generally accepted in the United States.</div> <div style="line-height: 11pt; font-style: italic; margin-top: 12pt; font-weight: bold;">Level 3 Reconciliation</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">The following is a reconciliation of the beginning and ending balances of recurring fair value measurements recognized in the accompanying balance sheets using significant unobservable (Level 3) inputs:</div> <table style="margin-top: 8pt; width: 416pt; border-collapse: collapse; height: 54pt; margin-left: 20pt;"> <tr style="text-align: center; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 316.59pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 316.59pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap;">Balance, beginning of year</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">114,193</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">148,171</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 316.59pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Total changes in fair value included in earnings</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 24.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(31,017<font style="position: absolute;">)</font></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 24.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(33,978<font style="position: absolute;">)</font></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 316.59pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap;">Balance, end of year</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">83,176</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">114,193</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="16"></td> </tr> </table> <div style="line-height: 11pt; font-style: italic; margin-top: 16pt; font-weight: bold;">Nonrecurring Measurements</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">The following table presents the fair value measurement of assets and liabilities measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2015 and 2014:</div> <table style="margin-top: 8pt; width: 456pt; border-collapse: collapse; height: 172pt;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 217.23pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="22"> <div style="text-align: center; white-space: nowrap;">Fair Value Measurements Using</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #000000 1px solid; text-align: left; padding-bottom: 2.167pt; padding-left: 0pt; width: 217.23pt; padding-right: 0pt; padding-top: 2.583pt;"> <div style="white-space: nowrap;">Assets</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Fair Value</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Quoted Prices in <br />Active Markets for <br />Identical Assets <br />(Level 1)</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Significant <br />Other <br />Observable <br />Inputs <br />(Level 2)</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Significant <br />Unobservable <br />Inputs <br />(Level 3)</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 217.23pt; padding-right: 0pt; padding-top: 3.25pt;">December 31, 2015</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 217.23pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Other real estate owned</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">202,100</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 21.345pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 21.345pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.625pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 8.625pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">202,100</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/12pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.833pt; padding-left: 0pt; width: 217.23pt; padding-right: 0pt; white-space: normal; padding-top: 2.167pt;"> <div style="text-indent: -10pt; margin-left: 10pt;">Collateral-dependent impaired loans, Net of ALLL</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">1,274,372</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 21.345pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 21.345pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.625pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 8.625pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">1,274,372</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; font: bold 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 217.23pt; padding-right: 0pt; padding-top: 3.5pt;">December 31, 2014</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 217.23pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Other real estate owned</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">190,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 21.345pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 21.345pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.625pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 8.625pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">190,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/12pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 217.23pt; padding-right: 0pt; white-space: normal; padding-top: 2.167pt;"> <div style="text-indent: -10pt; margin-left: 10pt;">Collateral-dependent impaired loans Net of ALLL </div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">1,441,487</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 21.345pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 21.345pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.625pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 8.625pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">1,441,487</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> </table> <div style="line-height: 12pt; margin-top: 15.79pt; text-indent: 20pt;">Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a nonrecurring basis and recognized in the accompanying consolidated balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below.</div> <div style="line-height: 11pt; font-style: italic; margin-top: 12pt; font-weight: bold;">Other Real Estate Owned</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">Other real estate owned (OREO) is carried at the lower of fair value at acquisition date or current estimated fair value, less estimated cost to sell when the real estate is acquired. Estimated fair value of OREO is based on appraisals or evaluations. OREO is classified within Level 3 of the fair value hierarchy.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">Appraisals of OREO are obtained when the real estate is acquired and subsequently as deemed necessary by the CFO’s office. Appraisals are reviewed for accuracy and consistency by the CFO’s office. Appraisers are selected from the list of approved appraisers maintained by management.</div> <div style="line-height: 11pt; font-style: italic; margin-top: 12pt; font-weight: bold;">Collateral-Dependent Impaired Loans, Net of ALLL</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">The estimated fair value of collateral-dependent impaired loans is based on the appraised fair value of the collateral, less estimated cost to sell. Collateral-dependent impaired loans are classified within Level 3 of the fair value hierarchy.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt; font-size: 10pt;">The Company considers the appraisal or evaluation as the starting point for determining fair value and then considers other factors and events in the environment that may affect the fair value.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt; font-size: 10pt;">Appraisals of the collateral underlying collateral-dependent loans are obtained when the loan is determined to be collateral-dependent and subsequently as deemed necessary by the CFO’s office. Appraisals are reviewed for accuracy and consistency by the CFO’s office. Appraisers are selected from the list of approved appraisers maintained by management. The appraised values are reduced by discounts to consider lack of marketability and estimated cost to sell if repayment or satisfaction of the loan is dependent on the sale of the collateral. These discounts and estimates are developed by the CFO’s office by comparison to historical results.</div> <div style="line-height: 11pt; font-style: italic; margin-top: 12pt; font-size: 10pt; font-weight: bold;">Unobservable (Level 3) Inputs:</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt; font-size: 10pt;">The following tables present quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements other than goodwill.</div> <table style="margin-top: 8pt; width: 456pt; border-collapse: collapse; height: 287.5pt;"> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 171.81pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Fair Value</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; width: 44.51pt; padding-right: 0pt; padding-top: 0pt;"> <div style="text-align: center;">Valuation <br />Technique</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; width: 67.66pt; padding-right: 0pt; padding-top: 0pt;"> <div style="text-align: center; white-space: nowrap;">Unobservable Inputs</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; width: 83.14pt; padding-right: 0pt; padding-top: 0pt;"> <div style="text-align: center;">Weighted <br />Average</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: top;"> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 171.81pt; padding-right: 0pt; padding-top: 2.25pt;">At December 31, 2015:</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="3"></td> <td colspan="3"></td> <td colspan="3"></td> </tr> <tr style="text-align: center; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: top;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 171.81pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Other real estate owned</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">202,100</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 44.51pt; padding-right: 0pt; white-space: normal; padding-top: 2.5pt;"> <div style="text-align: center;">Market <br />comparable <br />properties</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 67.66pt; padding-right: 0pt; white-space: normal; padding-top: 2.5pt;"> <div style="text-align: center;">Comparability <br />adjustment (%)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 83.14pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="text-align: center;">Not available</div> </td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: normal; color: #000000; vertical-align: top;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 171.81pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="text-indent: -10pt; margin-left: 10pt;">Collateral-dependent impaired loans, net of <br />ALLL</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;"><br /></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">   <br />1,274,372</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 44.51pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="text-align: center;">   <br />Market <br />comparable <br />properties</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 67.66pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="text-align: center;">   <br />Marketability <br />discount</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 83.14pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="text-align: center;">   <br />10% – 15% (11.4%)</div> </td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: top;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 171.81pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Mortgage servicing rights</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">83,176</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 44.51pt; padding-right: 0pt; white-space: normal; padding-top: 2.5pt;"> <div style="text-align: center;">Discounted <br />cash flow</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 67.66pt; padding-right: 0pt; white-space: normal; padding-top: 2.5pt;"> <div style="text-align: center;">Constant <br />prepayment rate</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 83.14pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="text-align: center;">8.8% – 16% (11.9%)</div> </td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: top;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 171.81pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 44.51pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 67.66pt; padding-right: 0pt; white-space: normal; padding-top: 2.5pt;"> <div style="text-align: center;">Probability <br />of default</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 83.14pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="text-align: center;">1% – 8% (2.9%)</div> </td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: top;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 171.81pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 44.51pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 67.66pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="text-align: center;">Discount rate</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 83.14pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="text-align: center; white-space: nowrap;">5.6% – 12.0% (10.4%)</div> </td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: top;"> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 171.81pt; padding-right: 0pt; padding-top: 2.5pt;">At December 31, 2014:</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="3"></td> <td colspan="3"></td> <td colspan="3"></td> </tr> <tr style="text-align: center; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: top;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 171.81pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Other real estate owned</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">190,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 44.51pt; padding-right: 0pt; white-space: normal; padding-top: 2.5pt;"> <div style="text-align: center;">Market <br />comparable <br />properties</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 67.66pt; padding-right: 0pt; white-space: normal; padding-top: 2.5pt;"> <div style="text-align: center;">Comparability <br />adjustment (%)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 83.14pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="text-align: center;">Not available</div> </td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: normal; color: #000000; vertical-align: top;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 171.81pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="text-indent: -10pt; margin-left: 10pt;">Collateral-dependent impaired loans, net of <br />ALLL</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;"><br /></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">   <br />1,441,487</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 44.51pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="text-align: center;">   <br />Market <br />comparable <br />properties</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 67.66pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="text-align: center;">   <br />Marketability <br />discount</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 83.14pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="text-align: center;">   <br />10% – 15% (12%)</div> </td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: top;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 171.81pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Mortgage servicing rights</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">114,193</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 44.51pt; padding-right: 0pt; white-space: normal; padding-top: 2.5pt;"> <div style="text-align: center;">Discounted <br />cash flow</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 67.66pt; padding-right: 0pt; white-space: normal; padding-top: 2.5pt;"> <div style="text-align: center;">Constant <br />prepayment rate</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 83.14pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="text-align: center;">8.5% – 16% (11.2%)</div> </td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: top;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 171.81pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 44.51pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 67.66pt; padding-right: 0pt; white-space: normal; padding-top: 2.5pt;"> <div style="text-align: center;">Probability <br />of default</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 83.14pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="text-align: center;">1% – 8% (2.1%)</div> </td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: top;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 171.81pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 44.51pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 67.66pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="text-align: center;">Discount rate</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 83.14pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="text-align: center; white-space: nowrap;">7.6% – 13.0% (10.4%)</div> </td> <td style="width: 0pt; padding: 0pt;"></td> </tr> </table> </div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 0px; font: 13px 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <div style="line-height: 11pt; font-style: italic; margin-top: 6pt; font-weight: bold;">Fair Value of Financial Instruments</div> <div style="line-height: 11.5pt; margin-top: 6pt; text-indent: 20pt;">The following tables present estimated fair values of the Company’s financial instruments and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2015 and 2014.</div> <table style="margin-top: 8pt; width: 456pt; border-collapse: collapse; height: 235pt;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 184.07pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="22"> <div style="text-align: center; white-space: nowrap;">Fair Value Measurements Using</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 184.07pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Carrying <br />Amount</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Quoted Prices in <br />Active Markets for <br />Identical Assets <br />(Level 1)</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Significant <br />Other <br />Observable <br />Inputs <br />(Level 2)</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Significant <br />Unobservable <br />Inputs <br />(Level 3)</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 184.07pt; padding-right: 0pt; padding-top: 3.25pt;">At December 31, 2015:</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: left; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 184.07pt; padding-right: 0pt; padding-top: 3.5pt;">Financial assets:</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 184.07pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Cash and cash equivalents</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">10,906,893</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">10,906,893</td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 184.07pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">FHLB Stock</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">686,200</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">686,200</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/12pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.833pt; padding-left: 0pt; width: 184.07pt; padding-right: 0pt; white-space: normal; padding-top: 2.167pt;"> <div style="text-indent: -10pt; margin-left: 20pt;">Loans, net of allowance for loan <br />losses</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">106,955,455</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">107,347,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 184.07pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Accrued interest receivable</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">314,174</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">314,174</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 184.07pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Mortgage servicing rights</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">325,539</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">612,290</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 184.07pt; padding-right: 0pt; padding-top: 3.5pt;">Financial liabilities:</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 184.07pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Deposits</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">113,330,856</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">13,940,853</td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">99,414,003</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 184.07pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Federal Home Loan Bank advances</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">8,000,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">8,063,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 184.07pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Accrued interest payable</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">6,137</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">6,137</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> </table> <table style="margin-top: 11pt; width: 456pt; border-collapse: collapse; height: 238pt;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 194.07pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="22"> <div style="text-align: center; white-space: nowrap;">Fair Value Measurements Using</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 194.07pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Carrying <br />Amount</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Quoted Prices in <br />Active Markets for <br />Identical Assets <br />(Level 1)</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Significant <br />Other <br />Observable <br />Inputs <br />(Level 2)</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Significant <br />Unobservable <br />Inputs <br />(Level 3)</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 194.07pt; padding-right: 0pt; padding-top: 3.25pt;">At December 31, 2014:</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: left; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 194.07pt; padding-right: 0pt; padding-top: 3.5pt;">Financial assets:</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 194.07pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Cash and cash equivalents</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">13,444,597</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">13,444,597</td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 194.07pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">FHLB Stock</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,078,900</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,078,900</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 194.07pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Loans held for sale</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">48,300</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">48,300</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 194.07pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Loans, net of allowance for loan losses</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">89,479,525</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">89,756,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 194.07pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Accrued interest receivable</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">302,777</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">302,777</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 194.07pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Mortgage servicing rights</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">317,912</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">526,647</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 194.07pt; padding-right: 0pt; padding-top: 3.5pt;">Financial liabilities:</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 194.07pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Deposits</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">98,493,112</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">11,730,674</td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">86,842,438</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 194.07pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Federal Home Loan Bank advances</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">10,000,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">10,098,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 194.07pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Accrued interest payable</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">6,256</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.14pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">6,256</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> </table> <div style="line-height: 12pt; margin-top: 15.2pt; text-indent: 20pt;">The following methods were used to estimate the fair value of all other financial instruments recognized in the accompanying consolidated balance sheets at amounts other than fair value.</div> <div style="line-height: 11pt; font-style: italic; margin-top: 12pt; font-weight: bold;">Cash and Cash Equivalents</div> <div style="line-height: 12pt; margin-top: 6pt; margin-left: 20pt;">The carrying amount approximates fair value.</div> <div style="line-height: 11pt; font-style: italic; margin-top: 12pt; font-weight: bold;">Loans Held For Sale</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">The carrying amount approximates fair value due to the insignificant time between origination and date of sale. The carrying amount is the amount funded and accrued interest.</div> </div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 0px; font: 13px 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <div style="line-height: 11pt; font-style: italic; margin-top: 12pt; font-weight: bold;">Loans, Net of Allowance for Loan Losses</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">Fair value is estimated by discounting the future cash flows using the market rates at which similar notes would be made to borrowers with similar credit ratings and for the same remaining maturities. The market rates used are based on current rates the Banks would impose for similar loans and reflect a market participant assumption about risks associated with nonperformance, illiquidity, and the structure and term of the loans along with local economic and market conditions.</div> <div style="line-height: 11pt; font-style: italic; margin-top: 12pt; font-weight: bold;">Accrued Interest Receivable and Payable</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">The carrying amount approximates fair value. The carrying amount is determined using the interest rate, balance and last payment date.</div> <div style="line-height: 11pt; font-style: italic; margin-top: 12pt; font-weight: bold;">Deposits</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">Fair value of term deposits is estimated by discounting the future cash flows using rates of similar deposits with similar maturities. The market rates used were obtained from a knowledgeable independent third party and reviewed by the Company. The rates were the average of current rates offered by local competitors of the Company.</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">The estimated fair value of demand, savings and money market deposits is the book value since rates are regularly adjusted to market rates and amounts are payable on demand at the reporting date.</div> <div style="line-height: 11pt; font-style: italic; margin-top: 12pt; font-weight: bold;">Federal Home Loan Bank Advances</div> <div style="line-height: 12pt; margin-top: 6pt; text-indent: 20pt;">Fair value is estimated by discounting the future cash flows using rates of similar advances with similar maturities. These rates were obtained from current rates offered by the FHLB.</div> </div> </div>

<div> <div style="widows: 1; text-transform: none; margin-top: 22.99pt; text-indent: 0px; font: bold 13px/11pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">Note 15:   Recent Accounting Pronouncements</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">In May 2014, the FASB issued <font style="font-style: italic; font-weight: bold;">ASU2014-09, “Revenue from contracts with Customers” (Topic 606)</font> ASU 2014-09 supersedes the revenue recognition requirements in ASC 605, Revenue Recognition, and is based on the principle that revenue is recognized to depict the transfer of goods or services to customers in an amount that reflects consideration to which the entity expects to be entitled in exchange for those goods and services. The ASU also requires additional disclosure about the nature, amount, timing and uncertainty of revenue and cash flows arising from customer contracts, including significant judgments and changes in judgments and assets recognized from costs incurred to obtain or fulfill a contract. This guidance is effective prospectively for the Company for annual and interim periods beginning after December 15, 2017. The Company is currently evaluating the effect the guidance will have on the Company’s consolidated financial statements.</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">In April 2015, the Financial Accounting Standards Board (FASB) issued <font style="font-style: italic; font-weight: bold;">ASU2015-03 “Interest-imputation of interest” (Subtopic 835-30)</font> simplifies the presentation of debt issuance costs by requiring that debt issuance costs be presented in the balance sheet as a direct deduction from the carrying amount of debt liability, consistent with debt discounts or premiums. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this update. This update will be effective for interim and annual periods beginning after December 15, 2015, and is to be applied retrospectively. The adoption of this guidance is not expected to have a significant effect on the Company’s consolidated financial statements.</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">In September 2015, the FASB issued <font style="font-style: italic; font-weight: bold;">ASU 2015-16, “Business Combinations: Simplifying the Accounting for Measurement — Period Adjustments (Topic 805)”.</font> The amendments clarify that an acquirer recognizes adjustments to provisional amounts that are identified during the measurement period in the reporting period in which the adjustment amounts are determined. The acquirer needs to record, in the same period’s financial statements, the effect of changes in depreciation, amortization, or other income as a result of the change to the provisional amounts as if the accounting had been completed at the acquisition date. This amendment requires an entity to present separately on the face of the income statement or disclose in the notes the portion of the amount recorded in current period earnings by line item as if the provisional adjustments had been recognized as of the acquisition date. This guidance is effective for annual and interim periods beginning after December 15, 2015. The adoption of the guidance is not expected to have a significant effect on the Company’s consolidated financial statements.</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">In January 2016, the FASB issued <font style="font-style: italic; font-weight: bold;">ASU 2016-1, “Financial Instruments — Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities”.</font> This guidance addresses certain aspects of recognition, measurement, presentation and disclosure of financial instruments. The primary focus of this guidance is to supersede the guidance to classify equity securities with readily determinable fair values into different categories (trading or available-for-sale) and requires equity securities to be measured at fair value with changes in the fair value recognized through net income. This guidance requires adoption through a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption. This ASU is effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. Early adoption is permitted for all companies in any interim or annual period. The Company is currently evaluating the effect the guidance will have on the Company’s consolidated financial statements.</div> </div>

<div> <div style="widows: 1; text-transform: none; margin-top: 10pt; text-indent: 0px; font: bold 13px/11pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">Note 18:   Plan of Conversion and Change in Corporate Form</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">On January 16, 2014, the Bank converted into a stock savings bank structure with the establishment of a stock holding company, Edgewater Bancorp, Inc. (Company), as parent of the Bank. The Bank converted to the stock form of ownership, followed by the issuance of all of the Bank’s outstanding stock to the Company. A total of 667,898 shares of the Company were issued at $10.00 per share for total gross offering proceeds of  $6,678,980. In addition, the Banks’s Board of Directors adopted an employee stock ownership plan (ESOP) which subscribed for 8% of the common stock sold in the offering, for a total of  $534,310. The Company is incorporated under the laws of the State of Maryland and owns all of the outstanding common stock of the Company.</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">The conversion costs of issuing the common stock, approximately $1,455,000, were deducted from the sales proceeds of the offering.</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">In accordance with federal regulations, at the time of the conversion, the Company established a parallel liquidation account. The liquidation account will be maintained for the benefit of eligible account holders who continue to maintain their accounts at the Bank after conversion. The liquidation account will be reduced annually to the extent that eligible account holders have reduced their qualifying deposits. Subsequent increases will not restore an eligible account holder’s interest in the liquidation account. In the event of a complete liquidation of the Bank, and only in such event, each eligible account holder will be entitled to receive a distribution from the liquidation account in an amount proportionate to the adjusted qualifying account balances then held. The Bank may not pay dividends if those dividends would reduce equity capital below the required liquidation account amount. The conversion was accounted for as a change in corporate form with the historic basis of the Company’s assets, liabilities and equity unchanged as a result.</div> </div>

<div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 0px; font: bold italic 13px/11pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">Cash and Cash Equivalents</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/11.5pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">The Company considers all liquid investments with original maturities of three months or less to be cash equivalents. At December 31, 2015 and 2014, the Company had no cash equivalents.</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/11.5pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">At December 31, 2015, none of the Company’s cash accounts at nonfederal government or governmental related entities exceeded federally insured limits, which is $250,000 per covered institution.</div> </div>

<div> <div style="widows: 1; text-transform: none; margin-top: 12pt; text-indent: 0px; font: bold italic 13px/11pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">Allowance for Loan Losses</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to income. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance.</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired. For those loans that are 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. The general component covers nonclassified loans and is based on historical charge-off experience and expected loss given default derived from the Company’s internal risk rating process. Other adjustments may be made to the allowance for pools of loans after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss or risk rating data.</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent.</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">Groups of loans with similar risk characteristics are collectively evaluated for impairment based on the group’s historical loss experience adjusted for changes in trends, conditions and other relevant factors that affect repayment of the loans. Accordingly, the Company does not separately identify individual consumer and residential loans for impairment measurements, unless such loans are the subject of a restructuring agreement due to financial difficulties of the borrower.</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">In the course of working with borrowers, the Company may choose to restructure the contractual terms of certain loans. In restructuring the loan, the Company attempts to work out an alternative payment schedule with the borrower in order to optimize collectability of the loan. A troubled debt restructuring (TDR) occurs when, for economic or legal reasons related to a borrower’s financial difficulties, the Company grants a concession to the borrower that it would not otherwise consider. Terms may be modified to fit the ability of the borrower to repay in line with its current financial status, and the restructuring of the loan may include the transfer of assets from the borrower to satisfy the debt, a modification of loan terms, or a combination of the two.</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">Nonaccrual loans, including TDRs that have not met the six month minimum performance criterion, are reported in this report as non-performing loans. For all loan classes, it is the Company’s policy to have any restructured loans which are on nonaccrual status prior to being restructured remain on nonaccrual status until six months of satisfactory borrower performance, at which time management would consider its return to accrual status. A loan is generally classified as nonaccrual when the Company believes that receipt of principal and interest is questionable under the terms of the loan agreement. Most generally, this is at 90 or more days past due.</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">With regard to determination of the amount of the allowance for credit losses, restructured loans are considered to be impaired. As a result, the determination of the amount of impaired loans for each portfolio segment within troubled debt restructurings is the same as detailed previously above.</div> </div>

<div> <div style="widows: 1; text-transform: none; margin-top: 20pt; text-indent: 0px; font: bold italic 13px/11pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">Other Real Estate, Net</div> <div style="widows: 1; text-transform: none; margin-top: 6pt; text-indent: 20pt; font: 13px/12pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in net income or expense from other real estate.</div> </div>

<div> <table style="widows: 1; text-transform: none; margin-top: 8pt; text-indent: 0px; width: 416pt; border-collapse: collapse; font-family: 'times new roman', times, serif; letter-spacing: normal; height: 235.5pt; margin-left: 20pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: center; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.25pt;">Real estate loans:</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Residential 1 – 4 family</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">45,402,431</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">45,353,599</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Commercial Real Estate</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">32,374,013</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">27,908,662</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Construction and land development</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 38.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,975,842</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,523,281</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap;">Total real estate</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">79,752,286</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">74,785,542</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Commercial and industrial</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">8,147,480</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5,536,805</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Warehouse line</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">10,000,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.5pt;">Consumer loans:</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Home equity loans and lines of credit</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">9,003,016</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">9,331,608</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Other consumer loans</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 38.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,101,856</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">883,864</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap;">Total consumer</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 38.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">10,104,872</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">10,215,472</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="margin-left: 20pt;">Gross loans</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">108,004,638</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">90,537,819</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Net deferred loan costs</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(26,191<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(17,057<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Allowance for loan losses</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 38.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,075,374</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,075,351</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="margin-left: 20pt;">Net loans</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 38.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">106,955,455</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 34.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">89,479,525</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="16"></td> </tr> </table> </div>

<div> <table style="widows: 1; text-transform: none; margin-top: 8pt; text-indent: 0px; width: 456pt; border-collapse: collapse; font-family: 'times new roman', times, serif; letter-spacing: normal; height: 237.5pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 1.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="34"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Residential <br />1 – 4 Family</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Commercial <br />Real Estate</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Commercial <br />and Industrial</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Warehouse <br />Line</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Consumer</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Total</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; padding-top: 2.25pt;">Allowance for loan losses</td> <td style="width: 3pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Balance, beginning of period</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">222,618</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">503,621</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">248,388</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">100,724</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,075,351</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; white-space: normal; padding-top: 2.5pt;"> <div style="margin-left: 20pt;">Provision (credit) for loan <br />losses</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">101,517</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">59,817</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">(179,051<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">60,787</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">21,930</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">65,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Loans charged to the allowance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">(570<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">(62,015<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">(18,657<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">(81,242<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; white-space: normal; padding-top: 2.5pt;"> <div style="margin-left: 20pt;">Recoveries of loans previously charged off</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">13,665</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,600</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">16,265</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.25pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; padding-top: 2.25pt;"> <div style="margin-left: 10pt;">Balance, end of year</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">337,230</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">504,023</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">69,337</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">60,787</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">103,997</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">1,075,374</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.25pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; white-space: normal; padding-top: 1.75pt;"> <div style="margin-left: 20pt;">Ending balance: individually evaluated for impairment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">13,969</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">302</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">372</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">14,643</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.25pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; white-space: normal; padding-top: 1.75pt;"> <div style="margin-left: 20pt;">Ending balance: collectively evaluated for impairment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">323,261</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">503,721</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">69,337</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">60,787</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">103,625</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">1,060,731</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; padding-top: 1.75pt;">Loans:</td> <td style="width: 3pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.25pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Ending balance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">45,402,431</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">34,349,855</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">8,147,480</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">10,000,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">10,104,872</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">108,004,638</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.25pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; white-space: normal; padding-top: 1.75pt;"> <div style="margin-left: 20pt;">Ending balance individually evaluated for impairment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">2,051,278</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">315,658</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">122,809</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">2,489,745</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 142.39pt; padding-right: 0pt; white-space: normal; padding-top: 1.75pt;"> <div style="margin-left: 20pt;">Ending balance collectively evaluated for impairment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">43,351,153</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">34,034,197</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">8,147,480</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">10,000,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">9,982,063</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">105,514,893</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 5pt; height: 5pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="44"></td> </tr> </table> <table style="widows: 1; text-transform: none; margin-top: 13pt; text-indent: 0px; width: 456pt; border-collapse: collapse; font-family: 'times new roman', times, serif; letter-spacing: normal; height: 237.5pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 1.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="34"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Residential <br />1 – 4 Family</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Commercial <br />Real Estate</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Commercial <br />and Industrial</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Warehouse <br />Line</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Consumer</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Total</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; padding-top: 2.25pt;">Allowance for loan losses</td> <td style="width: 3pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Balance, beginning of period</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">188,325</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">587,331</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">138,268</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">147,217</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,061,141</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; white-space: normal; padding-top: 2.5pt;"> <div style="margin-left: 20pt;">Provision (credit) for loan <br />losses</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">58,217</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">(174,664<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">110,120</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">6,327</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Loans charged to the allowance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">(27,134<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">(73,220<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">(100,354<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; white-space: normal; padding-top: 2.5pt;"> <div style="margin-left: 20pt;">Recoveries of loans previously charged off</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">3,210</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">90,954</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 10.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">20,400</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">114,564</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.25pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; padding-top: 2.25pt;"> <div style="margin-left: 10pt;">Balance, end of year</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">222,618</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">503,621</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">248,388</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 10.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">100,724</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">1,075,351</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.25pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; white-space: normal; padding-top: 1.75pt;"> <div style="margin-left: 20pt;">Ending balance: individually evaluated for impairment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">16,325</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">644</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 10.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">533</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">17,502</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.25pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; white-space: normal; padding-top: 1.75pt;"> <div style="margin-left: 20pt;">Ending balance: collectively evaluated for impairment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">206,293</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">502,977</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">248,388</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 10.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">100,191</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">1,057,849</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; padding-top: 1.75pt;">Loans:</td> <td style="width: 3pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.25pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Ending balance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">45,353,599</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">29,431,943</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">5,536,805</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 10.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">10,215,472</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">90,537,819</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.25pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; white-space: normal; padding-top: 1.75pt;"> <div style="margin-left: 20pt;">Ending balance individually evaluated for impairment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">2,727,712</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">1,356,103</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 10.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">152,879</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">4,236,694</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 142.76pt; padding-right: 0pt; white-space: normal; padding-top: 1.75pt;"> <div style="margin-left: 20pt;">Ending balance collectively evaluated for impairment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">42,625,887</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">28,075,840</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">5,536,805</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 10.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;">10,062,593</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 1.75pt;"> 86,301,125</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 5pt; height: 5pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="44"></td> </tr> </table> </div>

<div style="widows: 1; text-transform: none; margin-top: 18pt; text-indent: 0px; width: 504pt; font: 12px 'times new roman', times, serif; white-space: normal; margin-bottom: 18pt; letter-spacing: normal; color: #000000; margin-left: 16px; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <table style="margin-top: 0pt; width: 504pt; border-collapse: collapse; height: 108.5pt;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 99.11pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 2pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="46"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 99.11pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Residential <br />1 – 4 Family</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Commercial <br />Real Estate</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Construction <br />and Land</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Commercial <br />and Industrial</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Warehouse <br />Line</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Home <br />Equity</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Other <br />Consumer</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Total</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; width: 99.11pt; padding-right: 0pt; padding-top: 2.75pt;"> <div style="font-size: 7pt;"><font style="font-size: 9pt;">Pass</font><font style="position: relative; bottom: 3.75pt;">(1 – 5)</font></div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">44,838,588</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">30,037,894</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">1,966,182</td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">8,147,480</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">10,000,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">9,003,016</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">1,101,856</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">105,095,016</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; width: 99.11pt; padding-right: 0pt; padding-top: 3pt;"> <div style="white-space: nowrap;">Special Mention<font style="position: relative; bottom: 3.75pt; font-size: 7pt;">(6)</font></div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">1,553,936</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">1,553,936</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; width: 99.11pt; padding-right: 0pt; padding-top: 3pt;">Substandard<font style="position: relative; bottom: 3.75pt; font-size: 7pt;">(7)</font></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">563,843</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">782,183</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">9,660</td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">1,355,686</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; width: 99.11pt; padding-right: 0pt; padding-top: 3pt;">Doubtful<font style="position: relative; bottom: 3.75pt; font-size: 7pt;">(8)</font></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2pt; padding-left: 0pt; width: 99.11pt; padding-right: 0pt; padding-top: 3pt;">Loss<font style="position: relative; bottom: 3.75pt; font-size: 7pt;">(9)</font></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 36.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 99.11pt; padding-right: 0pt; padding-top: 2.75pt;"> <div style="margin-left: 10pt;">Total</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">45,402,431</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">32,374,013</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">1,975,842</td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">8,147,480</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">10,000,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">9,003,016</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">1,101,856</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">108,004,638</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4.5pt; height: 4.5pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="58"></td> </tr> </table> <table style="margin-top: 13pt; width: 504pt; border-collapse: collapse; height: 108.5pt;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 94.99pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 2pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="46"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 94.99pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Residential <br />1 – 4 Family</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Commercial <br />Real Estate</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Construction <br />and Land</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Commercial <br />and Industrial</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Warehouse <br />Line</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Home <br />Equity</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center;">Other <br />Consumer</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.667pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.083pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Total</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 94.99pt; padding-right: 0pt; padding-top: 2.75pt;"> <div style="font-size: 7pt;"><font style="font-size: 9pt;">Pass</font><font style="position: relative; bottom: 3.75pt;">(1 – 5)</font></div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">44,618,696</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">25,726,754</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">1,344,107</td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">5,536,805</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">9,321,255</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">  883,864</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 40.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">  87,431,481</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 94.99pt; padding-right: 0pt; padding-top: 3pt;"> <div style="white-space: nowrap;">Special Mention<font style="position: relative; bottom: 3.75pt; font-size: 7pt;">(6)</font></div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">219,157</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 40.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">219,157</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 94.99pt; padding-right: 0pt; padding-top: 3pt;">Substandard<font style="position: relative; bottom: 3.75pt; font-size: 7pt;">(7)</font></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">734,903</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">1,962,751</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">179,174</td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">10,353</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 40.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">2,887,181</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 94.99pt; padding-right: 0pt; padding-top: 3pt;">Doubtful<font style="position: relative; bottom: 3.75pt; font-size: 7pt;">(8)</font></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 40.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2pt; padding-left: 0pt; width: 94.99pt; padding-right: 0pt; padding-top: 3pt;">Loss<font style="position: relative; bottom: 3.75pt; font-size: 7pt;">(9)</font></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 10.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 40.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 94.99pt; padding-right: 0pt; padding-top: 2.75pt;"> <div style="margin-left: 10pt;">Total</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">45,353,599</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">27,908,662</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">1,523,281</td> <td style="padding-bottom: 0pt; padding-left: 1.01pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">5,536,805</td> <td style="padding-bottom: 0pt; padding-left: 2.68pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 10.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 13.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">9,331,608</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">883,864</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 40.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">90,537,819</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4.5pt; height: 4.5pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="58"></td> </tr> </table> </div>

<div> <table style="widows: 1; text-transform: none; margin-top: 8pt; text-indent: 0px; width: 456pt; border-collapse: collapse; font-family: 'times new roman', times, serif; letter-spacing: normal; height: 134.5pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 1.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="40"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">30 – 59 Days <br />Past Due</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">60 – 89 Days <br />Past Due</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Greater <br />Than <br />90 Days</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Total <br />Past Due</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Current</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Total <br />Loans</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Total Loans <br />>90 Days & <br />Accruing</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.25pt;"> <div style="white-space: nowrap;">Residential 1 – 4 family</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">1,124,518</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">312,454</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">555,497</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">1,992,469</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">43,409,962</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">45,402,431</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Commercial real estate</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">9,715</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">9,715</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">32,364,298</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">32,374,013</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Construction and land</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">23,118</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">9,660</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">32,778</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,943,064</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,975,842</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Commercial and industrial </div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">99,541</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">99,541</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">8,047,939</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">8,147,480</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Warehouse Line</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">10,000,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">10,000,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Home equity</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">72,128</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">10,288</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">8,309</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">90,725</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">8,912,291</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">9,003,016</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Other consumer</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 24pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,852</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 24pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,852</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,099,004</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,101,856</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 10.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.75pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">1,305,902</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">348,712</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">573,466</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">2,228,080</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">105,776,558</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">108,004,638</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 10.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 5pt; height: 5pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="51"></td> </tr> </table> <table style="widows: 1; text-transform: none; margin-top: 13pt; text-indent: 0px; width: 456pt; border-collapse: collapse; font-family: 'times new roman', times, serif; letter-spacing: normal; height: 143.5pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 1.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="40"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">30 – 59 Days <br />Past Due</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">60 – 89 Days <br />Past Due</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Greater <br />Than <br />90 Days</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Total <br />Past Due</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Current</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Total <br />Loans</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Total Loans <br />>90 Days & <br />Accruing</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.25pt;"> <div style="white-space: nowrap;">Residential 1-4 family</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">1,147,797</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">557,817</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">734,903</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">2,440,517</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;"> 42,913,082</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;"> 45,353,599</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Commercial real estate</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">11,782</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">11,782</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">27,896,880</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">27,908,662</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Construction and land</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">27,817</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">21,972</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">49,789</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,473,492</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,523,281</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; white-space: normal; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Commercial and <br />industrial</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">5,536,805</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">5,536,805</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Warehouse Line</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Home equity</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">54,224</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">25,601</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">10,353</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">90,178</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">9,241,430</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 36.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">9,331,608</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="white-space: nowrap;">Other consumer</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 24pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">6,057</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 24pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 29.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">6,057</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">877,807</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 36.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">883,864</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 10.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.75pt; padding-left: 0pt; width: 112.21pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">1,241,620</td> <td style="padding-bottom: 0pt; padding-left: 1.235pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">589,475</td> <td style="padding-bottom: 0pt; padding-left: 4.705pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">767,228</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 29.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">2,598,323</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">87,939,496</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 36.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">90,537,819</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 10.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.26pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 5pt; height: 5pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="51"></td> </tr> </table> </div>

<div> <table style="widows: 1; text-transform: none; margin-top: 8pt; text-indent: 0px; width: 456pt; border-collapse: collapse; font-family: 'times new roman', times, serif; letter-spacing: normal; height: 179pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 1.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="40"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Residential <br />1 – 4 Family</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Commercial <br />Real Estate</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Construction <br />and Land</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Commercial <br />and Industrial</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Warehouse <br />Line</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Home <br />Equity</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Total</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 9pt/9pt 'times new roman', times, serif; white-space: normal; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 2.25pt;"> <div style="margin-left: 10pt;">Impaired loans without a specific allowance:</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Recorded investment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">848,467</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">273,166</td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 20.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">79,097</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,200,730</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Unpaid principal balance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">921,718</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">273,166</td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 20.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">79,097</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,273,981</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; font: bold 9pt/9pt 'times new roman', times, serif; white-space: normal; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Impaired loans with a specific allowance:</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Recorded investment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,202,811</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">9,715</td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 20.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">32,777</td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">43,712</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,289,015</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Unpaid principal balance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,259,063</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">11,111</td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 20.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">36,696</td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">45,687</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,352,557</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Specific allowance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">13,969</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">129</td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 20.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">173</td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">372</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">14,643</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; font: bold 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 2.5pt;">Total impaired loans:</td> <td style="width: 3pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Recorded investment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,051,278</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">282,881</td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 20.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">32,777</td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">122,809</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,489,745</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Unpaid principal balance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,180,781</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">284,277</td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 20.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">36,696</td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">124,784</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,626,538</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 132.09pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Specific allowance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">13,969</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">129</td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 20.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">173</td> <td style="padding-bottom: 0pt; padding-left: 6.73pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">372</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">14,643</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> </table> <br /> <table style="widows: 1; text-transform: none; margin-top: 0pt; text-indent: 0px; width: 456pt; border-collapse: collapse; font-family: 'times new roman', times, serif; letter-spacing: normal; height: 179pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 1.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="40"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Residential <br />1 – 4 Family</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Commercial <br />Real Estate</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Construction <br />and Land</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Commercial <br />and Industrial</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Warehouse <br />Line</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center;">Home <br />Equity</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 3pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 1.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 1.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Total</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 9pt/9pt 'times new roman', times, serif; white-space: normal; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.25pt;"> <div style="margin-left: 10pt;">Impaired loans without a specific allowance:</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Recorded investment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,396,878</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,003,575</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">290,956</td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">86,296</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;">$</td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,777,705</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Unpaid principal balance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,475,218</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,121,615</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">304,827</td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">92,277</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,993,937</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; font: bold 9pt/9pt 'times new roman', times, serif; white-space: normal; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Impaired loans with a specific allowance:</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Recorded investment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,330,834</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">11,782</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">49,790</td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">66,583</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,458,989</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Unpaid principal balance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,373,484</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">12,700</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">56,120</td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">69,627</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,511,931</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Specific allowance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">16,325</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">46</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">598</td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">533</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">17,502</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; font: bold 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.5pt;">Total impaired loans:</td> <td style="width: 3pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Recorded investment</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,727,712</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,015,357</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">340,746</td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">152,879</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">4,236,694</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Unpaid principal balance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">2,848,702</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">1,134,315</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">360,947</td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">161,904</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">4,505,868</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 131.56pt; padding-right: 0pt; padding-top: 2.5pt;"> <div style="margin-left: 10pt;">Specific allowance</div> </td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">16,325</td> <td style="padding-bottom: 0pt; padding-left: 0.165pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">46</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">598</td> <td style="padding-bottom: 0pt; padding-left: 4.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 14.12pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 10.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 9.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">533</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 3pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.5pt;"></td> <td style="min-width: 29.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.5pt;">17,502</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> </table> </div>

<div style="margin-left: 30px;"> <table style="widows: 1; text-transform: none; margin-top: 8pt; text-indent: 0px; width: 416pt; border-collapse: collapse; font-family: 'times new roman', times, serif; letter-spacing: normal; height: 129pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: center; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap;">Residential 1 – 4 family</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">1,233,905</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">1,811,649</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Commercial real estate</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">9,715</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">729,032</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Construction and land</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">32,777</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">206,991</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Commercial and industrial</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Warehouse Line</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Home equity</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">43,712</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">150,511</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Other consumer</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 30.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 30.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.75pt; padding-left: 0pt; width: 301.17pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 30.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">1,320,109</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 30.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">2,898,183</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="16"></td> </tr> </table> </div>

<div> <table style="widows: 1; text-transform: none; margin-top: 8pt; text-indent: 0px; width: 456pt; border-collapse: collapse; font-family: 'times new roman', times, serif; letter-spacing: normal; height: 151.5pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 256pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="22"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 256pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Interest <br />Only</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Term</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Combination</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Total <br />Modification</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap;">Residential 1 – 4 family</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Commercial real estate</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Construction and land development</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Commercial and industrial</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Warehouse line</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Home equity</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 256pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Other consumer</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 11.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 11.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 11.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 11.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.75pt; padding-left: 0pt; width: 256pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 11.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 11.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 6.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 11.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 11.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 11.5pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="30"></td> </tr> </table> <table style="widows: 1; text-transform: none; margin-top: 13pt; text-indent: 0px; width: 456pt; border-collapse: collapse; font-family: 'times new roman', times, serif; letter-spacing: normal; height: 151.5pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: left; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0.5pt; padding-left: 0pt; width: 256.59pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; text-align: center; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="22"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 256.59pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Interest <br />Only</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Term</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Combination</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Total <br />Modification</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256.59pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap;">Residential 1 – 4 family</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">93,832</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">61,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">263,518</td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">418,350</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256.59pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Commercial real estate</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256.59pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Construction and land development</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256.59pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Commercial and industrial</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256.59pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Warehouse line</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 256.59pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Home equity</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 256.59pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Other consumer</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 21pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 21pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 24.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 24.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.75pt; padding-left: 0pt; width: 256.59pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 21pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">93,832</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 21pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">61,000</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">263,518</td> <td style="padding-bottom: 0pt; padding-left: 2.6pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">418,350</td> <td style="padding-bottom: 0pt; padding-left: 2.685pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="30"></td> </tr> </table> </div> <div> <table style="widows: 1; text-transform: none; margin-top: 8pt; text-indent: 0px; width: 456pt; border-collapse: collapse; font-family: 'times new roman', times, serif; letter-spacing: normal; height: 151.5pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: center; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 268.31pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="10"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="10"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 268.31pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Number of <br />Loans</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Recorded <br />Balance</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Number of <br />Loans</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.583pt;" colspan="4"> <div style="text-align: center;">Recorded <br />Balance</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 268.31pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap;">Residential 1 – 4 family</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 268.31pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Commercial real estate</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">214,736</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 268.31pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Construction and land development</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 268.31pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Commercial and industrial</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 268.31pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Warehouse line</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 268.31pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Home equity</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 11.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 268.31pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Other consumer</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 0pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 11.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 11.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 0pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 11.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;"> —</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 24.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.75pt; padding-left: 0pt; width: 268.31pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 0pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 11.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 11.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;"> —</td> <td style="padding-bottom: 0pt; padding-left: 5.415pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 0pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 11.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">1</td> <td style="padding-bottom: 0pt; padding-left: 10.29pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">214,736</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="30"></td> </tr> </table> </div>

<div> <table style="widows: 1; text-transform: none; margin-top: 7pt; text-indent: 0px; width: 416pt; border-collapse: collapse; font-family: 'times new roman', times, serif; letter-spacing: normal; height: 93pt; margin-left: 20pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: center; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 2.75pt;"> <div style="white-space: nowrap;">Non-interest bearing demand deposits</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">13,940,853</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">11,730,674</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3pt;"> <div style="white-space: nowrap;">Interest bearing deposits</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">37,751,724</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">24,528,025</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3pt;"> <div style="white-space: nowrap;">Money market</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">20,465,720</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">20,350,496</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3pt;"> <div style="white-space: nowrap;">Savings accounts</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 38.25pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">13,660,368</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">15,027,699</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 3pt;"> <div style="white-space: nowrap;">Certificates of deposit</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 38.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">27,512,191</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">26,856,218</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 286.17pt; padding-right: 0pt; padding-top: 2.75pt;"> <div style="margin-left: 10pt;">Total deposits</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 38.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">113,330,856</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 34.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">98,493,112</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4.5pt; height: 4.5pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="16"></td> </tr> </table> </div> <div> <table style="widows: 1; text-transform: none; margin-top: 8pt; text-indent: 0px; width: 416pt; border-collapse: collapse; font-family: 'times new roman', times, serif; letter-spacing: normal; height: 94.5pt; margin-left: 20pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="width: 0pt; padding: 0pt;"></td> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 338pt; padding-right: 0pt; padding-top: 0pt;"> <div style="white-space: nowrap;">2016</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 7.795pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;">$</td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 0pt;">16,197,851</td> <td style="padding-bottom: 0pt; padding-left: 7.795pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="width: 0pt; padding: 0pt;"></td> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; width: 338pt; padding-right: 0pt; padding-top: 3pt;"> <div style="white-space: nowrap;">2017</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 7.795pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">6,781,620</td> <td style="padding-bottom: 0pt; padding-left: 7.795pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="width: 0pt; padding: 0pt;"></td> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; width: 338pt; padding-right: 0pt; padding-top: 3pt;"> <div style="white-space: nowrap;">2018</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 7.795pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">1,640,662</td> <td style="padding-bottom: 0pt; padding-left: 7.795pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="width: 0pt; padding: 0pt;"></td> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; width: 338pt; padding-right: 0pt; padding-top: 3pt;"> <div style="white-space: nowrap;">2019</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 7.795pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">1,193,638</td> <td style="padding-bottom: 0pt; padding-left: 7.795pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="width: 0pt; padding: 0pt;"></td> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0pt; width: 338pt; padding-right: 0pt; padding-top: 3pt;"> <div style="white-space: nowrap;">2020</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 7.795pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">1,668,727</td> <td style="padding-bottom: 0pt; padding-left: 7.795pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2pt; padding-left: 0pt; width: 338pt; padding-right: 0pt; padding-top: 3pt;"> <div style="white-space: nowrap;">Thereafter</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 7.795pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3pt;">29,692</td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 7.795pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="width: 0pt; padding: 0pt;"></td> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 338pt; padding-right: 0pt; padding-top: 2.75pt;"> <div style="margin-left: 10pt;">Total</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 7.795pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 34.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">27,512,191</td> <td style="padding-bottom: 0pt; padding-left: 7.795pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4.5pt; height: 4.5pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="10"></td> </tr> </table> </div>

<div > <table style="widows: 1; text-transform: none; margin-top: 8pt; text-indent: 0px; width: 416pt; border-collapse: collapse; font: 13px 'times new roman', times, serif; white-space: normal; letter-spacing: normal; height: 99pt; color: #000000; margin-left: 20pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: center; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap;">Computed at the statutory rate (34%)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 23.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">14,321</td> <td style="padding-bottom: 0pt; padding-left: 11.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 12.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="min-width: 27pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">(277,533<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 12.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;">Increase (decrease) resulting from</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Tax exempt interest</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 23.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 12.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 27pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 12.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Changes in the deferred tax asset valuation allowance</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 23.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(21,238<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 11.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 12.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 27pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">252,896</td> <td style="padding-bottom: 0pt; padding-left: 12.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Other</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 23.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">6,917</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 11.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 12.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 27pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">24,637</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 12.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="margin-left: 20pt;">Actual tax expense (benefit)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 23.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 11.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 12.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 27pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">—</td> <td style="padding-bottom: 0pt; padding-left: 12.48pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="14"></td> </tr> </table> </div>

<table style="margin-top: 8pt; width: 416pt; border-collapse: collapse; height: 311.5pt; margin-left: 20pt;"> <tr style="text-align: center; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.25pt;">Deferred tax assets</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Allowance for loan losses</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">432,755</td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">48,592</td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Valuation of other real estate</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,673</td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,729</td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Net operating loss carryforward</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">3,119,906</td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">3,169,105</td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Charitable contribution carryforward</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">22,605</td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">26,665</td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Unrealized loss on available-for-sale securities</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">4,862</td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5,698</td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Other</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">216,299</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="margin-left: 20pt;">Total assets</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">3,581,801</td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">3,468,088</td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;">Deferred tax liability</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Depreciation</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(170,778<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(197,153<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Deferred loan fees</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(8,941<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(5,900<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">FHLB stock dividends</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(23,065<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(36,742<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Other</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(171,961<font style="position: absolute;">)</font></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="margin-left: 20pt;">Total liabilities</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">(374,745<font style="position: absolute;">)</font></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">(239,795<font style="position: absolute;">)</font></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="margin-left: 20pt;">Net deferred tax asset before valuation allowance</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">3,207,056</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">3,228,293</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.25pt;">Valuation allowance</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Beginning balance</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(3,228,293<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(3,082,165<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Increase during the period</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">21,237</td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(146,128<font style="position: absolute;">)</font></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 266pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap;">Ending balance</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">(3,207,056<font style="position: absolute;">)</font></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">(3,228,293<font style="position: absolute;">)</font></td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; widows: 1; text-transform: none; text-indent: 0px; padding-left: 0pt; width: 266pt; padding-right: 0pt; font: 13px/13px 'times new roman', times, serif; white-space: nowrap; letter-spacing: normal; color: #000000; word-spacing: 0px; padding-top: 3.25pt; -webkit-text-stroke-width: 0px;"> <div style="margin-left: 20pt;">Net deferred tax asset (liability)</div> </td> <td style="text-align: right; widows: 1; text-transform: none; text-indent: 0px; width: 6pt; font: 13px/13px 'times new roman', times, serif; white-space: nowrap; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; padding: 0pt;"></td> <td style="text-align: right; widows: 1; text-transform: none; text-indent: 0px; width: 6pt; font: 13px/13px 'times new roman', times, serif; white-space: nowrap; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; padding: 0pt;"></td> <td style="text-align: right; padding-bottom: 0pt; widows: 1; text-transform: none; text-indent: 0px; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; font: 13px/13px 'times new roman', times, serif; white-space: nowrap; letter-spacing: normal; color: #000000; word-spacing: 0px; padding-top: 0pt; -webkit-text-stroke-width: 0px;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; widows: 1; text-transform: none; text-indent: 0px; padding-left: 0pt; padding-right: 0pt; font: 13px/13px 'times new roman', times, serif; white-space: nowrap; letter-spacing: normal; color: #000000; word-spacing: 0px; padding-top: 3.25pt; -webkit-text-stroke-width: 0px;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; widows: 1; text-transform: none; text-indent: 0px; padding-left: 0pt; padding-right: 0pt; font: 13px/13px 'times new roman', times, serif; white-space: nowrap; letter-spacing: normal; color: #000000; word-spacing: 0px; padding-top: 3.25pt; -webkit-text-stroke-width: 0px;">—</td> <td style="text-align: right; padding-bottom: 0pt; widows: 1; text-transform: none; text-indent: 0px; padding-left: 5.63pt; width: 0pt; padding-right: 0pt; font: 13px/13px 'times new roman', times, serif; white-space: nowrap; letter-spacing: normal; color: #000000; word-spacing: 0px; padding-top: 0pt; -webkit-text-stroke-width: 0px;"></td> <td style="text-align: right; widows: 1; text-transform: none; text-indent: 0px; width: 6pt; font: 13px/13px 'times new roman', times, serif; white-space: nowrap; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; padding: 0pt;"></td> <td style="text-align: right; widows: 1; text-transform: none; text-indent: 0px; width: 6pt; font: 13px/13px 'times new roman', times, serif; white-space: nowrap; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; padding: 0pt;"></td> <td style="text-align: right; padding-bottom: 0pt; widows: 1; text-transform: none; text-indent: 0px; padding-left: 8.63pt; width: 0pt; padding-right: 0pt; font: 13px/13px 'times new roman', times, serif; white-space: nowrap; letter-spacing: normal; color: #000000; word-spacing: 0px; padding-top: 0pt; -webkit-text-stroke-width: 0px;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; widows: 1; text-transform: none; text-indent: 0px; padding-left: 0pt; padding-right: 0pt; font: 13px/13px 'times new roman', times, serif; white-space: nowrap; letter-spacing: normal; color: #000000; word-spacing: 0px; padding-top: 3.25pt; -webkit-text-stroke-width: 0px;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; widows: 1; text-transform: none; text-indent: 0px; padding-left: 0pt; padding-right: 0pt; font: 13px/13px 'times new roman', times, serif; white-space: nowrap; letter-spacing: normal; color: #000000; word-spacing: 0px; padding-top: 3.25pt; -webkit-text-stroke-width: 0px;">—</td> </tr> </table>

<table style="widows: 1; text-transform: none; margin-top: 8pt; text-indent: 0px; width: 456pt; border-collapse: collapse; font-family: 'times new roman', times, serif; letter-spacing: normal; height: 187pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: center; text-transform: none; font: bold 8pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 225.01pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="10"> <div style="text-align: center; white-space: nowrap;">Actual</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="10"> <div style="text-align: center;">Minimum Amount <br />Required for <br />Adequate Capital<font style="position: relative; bottom: 3.25pt; font-size: 6pt;">(2)</font></div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.167pt; padding-left: 0pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="10"> <div style="text-align: center;">Minimum Amount <br />To Be Well <br />Capitalized<font style="position: relative; bottom: 3.25pt; font-size: 6pt;">(1)</font></div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: center; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 225.01pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Amount</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Ratio</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Amount</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Ratio</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Amount</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">Ratio</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 225.01pt; padding-right: 0pt; padding-top: 3.25pt;">December 31, 2015</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 225.01pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Total capital<font style="position: relative; bottom: 4.25pt; font-size: 7.5pt;">(1)</font> (to risk-weighted assets)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">13,701</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">15.37<font style="position: absolute;">%</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">7,133</td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 13.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">8.00<font style="position: absolute;">%</font></td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">8,916</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">10.00<font style="position: absolute;">%</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 225.01pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Tier I capital<font style="position: relative; bottom: 4.25pt; font-size: 7.5pt;">(1)</font> (to risk-weighted assets)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">12,626</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">14.16</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5,350</td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 13.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">6.00</td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">7,133</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">8.00</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/12pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.833pt; padding-left: 0pt; width: 225.01pt; padding-right: 0pt; padding-top: 2.167pt;"> <div style="margin-left: 20pt;">Common Equity Tier I capital<font style="position: relative; bottom: 4.25pt; font-size: 7.5pt;">(1)</font> (to risk-weighted <br />assets)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">12,630</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">14.16</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">4,012</td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 13.5pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">4.50</td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">5,795</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">6.50</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 225.01pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Tier I capital<font style="position: relative; bottom: 4.25pt; font-size: 7.5pt;">(1)</font> (to average assets)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">12,630</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">9.42</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5,364</td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 13.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">4.00</td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">6,705</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5.00</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; font: bold 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 225.01pt; padding-right: 0pt; padding-top: 3.5pt;">December 31, 2014</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 225.01pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Total capital<font style="position: relative; bottom: 4.25pt; font-size: 7.5pt;">(1)</font> (to risk-weighted assets)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">13,188</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">17.87<font style="position: absolute;">%</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5,904</td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 13.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">8.00<font style="position: absolute;">%</font></td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">7,380</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">10.00<font style="position: absolute;">%</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 225.01pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Tier I capital<font style="position: relative; bottom: 4.25pt; font-size: 7.5pt;">(1)</font> (to risk-weighted assets)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">12,264</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">16.62</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">2,952</td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 13.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">4.00</td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">4,428</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">6.00</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 225.01pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Tier I capital<font style="position: relative; bottom: 4.25pt; font-size: 7.5pt;">(1)</font> (to average assets)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 21pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">12,264</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">10.03</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">4,893</td> <td style="padding-bottom: 0pt; padding-left: 1.715pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 13.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">4.00</td> <td style="padding-bottom: 0pt; padding-left: 2.15pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">6,116</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 0pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 17.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5.00</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> </table> <div style="widows: 1; text-transform: none; margin-top: 14.49pt; text-indent: 0px; width: 456pt; font: 13px 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <div style="border-bottom: #000000 1pt solid; line-height: 0pt; margin-top: 0pt; width: 108pt; margin-left: 0pt; font-size: 1pt;"></div> </div> <div style="text-align: left; widows: 1; text-transform: none; margin-top: 11.98pt; text-indent: 0px; width: 20pt; font: 13px 'times new roman', times, serif; white-space: nowrap; margin-bottom: 0pt; float: left; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">(1)</div> <div style="text-align: left; widows: 1; text-transform: none; margin-top: 11.98pt; text-indent: 0px; width: 435.5pt; font: 13px 'times new roman', times, serif; white-space: normal; margin-bottom: 0pt; float: left; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">As defined by regulatory agencies</div>

<div> <table style="widows: 1; text-transform: none; margin-top: 2pt; text-indent: 0px; width: 416pt; border-collapse: collapse; font-family: 'times new roman', times, serif; letter-spacing: normal; height: 133.5pt; margin-left: 20pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: center; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 264.81pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">December 31, 2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">December 31, 2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 3.25pt; padding-left: 0pt; width: 264.81pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap; font-weight: bold;">Net Income (Loss)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 12.94pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">42,138</td> <td style="padding-bottom: 0pt; padding-left: 12.94pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.275pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 27pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">(816,273<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 11.275pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 264.81pt; padding-right: 0pt; padding-top: 2.75pt;">Shares outstanding for basic EPS:</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 264.81pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Average shares outstanding</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 12.94pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">667,898</td> <td style="padding-bottom: 0pt; padding-left: 12.94pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.275pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 27pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">640,450</td> <td style="padding-bottom: 0pt; padding-left: 11.275pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 264.81pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Less: Average unearned ESOP shares</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 12.94pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 24.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">50,309</td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 12.94pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 11.275pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 27pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">50,245</td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 11.275pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 264.81pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 12.94pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">617,589</td> <td style="padding-bottom: 0pt; padding-left: 12.94pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.275pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 27pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">590,205</td> <td style="padding-bottom: 0pt; padding-left: 11.275pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 264.81pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap;">Additional dilutive shares</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 12.94pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 24.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 12.94pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 11.275pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 27pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #ffffff 1px solid; padding-bottom: 0pt; padding-left: 11.275pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 3.25pt; padding-left: 0pt; width: 264.81pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="margin-left: 10pt;">Shares outstanding for basic and diluted EPS</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 12.94pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 24.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">617,589</td> <td style="padding-bottom: 0pt; padding-left: 12.94pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.275pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 27pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">590,205</td> <td style="padding-bottom: 0pt; padding-left: 11.275pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 264.81pt; padding-right: 0pt; padding-top: 2.75pt;"> <div style="white-space: nowrap;">Basic and diluted income (loss) per share</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 12.94pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">0.07</td> <td style="padding-bottom: 0pt; padding-left: 12.94pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="padding-bottom: 0pt; padding-left: 11.275pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 27pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">(1.38<font style="position: absolute;">)</font></td> <td style="padding-bottom: 0pt; padding-left: 11.275pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="16"></td> </tr> </table> </div>

<div> <div style="text-align: center; widows: 1; text-transform: none; margin-top: 12pt; text-indent: 0px; width: 456pt; font: bold 13px/11pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">Condensed Balance Sheet</div> <table style="widows: 1; text-transform: none; margin-top: 7pt; text-indent: 0px; width: 416pt; border-collapse: collapse; font-family: 'times new roman', times, serif; letter-spacing: normal; height: 192.5pt; margin-left: 20pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: center; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 291.17pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 291.17pt; padding-right: 0pt; padding-top: 3.25pt;">Assets</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 291.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Cash and due from banks</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">733,318</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,059,374</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 291.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Investment in bank</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">12,615,381</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">12,247,581</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 291.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Other assets</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">28,177</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 3.25pt; padding-left: 0pt; width: 291.17pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="margin-left: 20pt;">Total assets</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">13,376,876</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">13,306,955</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; font: bold 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 291.17pt; padding-right: 0pt; padding-top: 2.75pt;">Liabilities</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 291.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Other</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">4,814</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">3,495</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 291.17pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">4,814</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 34.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">3,495</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 291.17pt; padding-right: 0pt; padding-top: 3.5pt;">Temporary Equity</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 291.17pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">ESOP shares subject to mandatory redemption</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">46,197</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">22,193</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 291.17pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap; font-weight: bold;">Stockholders’ Equity</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">13,325,865</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 34.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">13,281,267</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 291.17pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="margin-left: 20pt;">Total liability and stockholders’ equity</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 34.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">13,376,876</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 34.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">13,306,955</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="16"></td> </tr> </table> </div>

<div style="text-align: center; widows: 1; text-transform: none; margin-top: 12pt; text-indent: 0px; width: 456pt; font: bold 13px/11pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">Condensed Statement of Operations and Comprehensive Loss</div> <table style="widows: 1; text-transform: none; margin-top: 7pt; text-indent: 0px; width: 416pt; border-collapse: collapse; font: 13px 'times new roman', times, serif; white-space: normal; letter-spacing: normal; height: 173.5pt; color: #000000; margin-left: 20pt; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: center; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 309.93pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 309.93pt; padding-right: 0pt; padding-top: 3.25pt;">Income</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 309.93pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Other income</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 27pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">7,071</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 27pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">9,349</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 309.93pt; padding-right: 0pt; padding-top: 3.5pt;">Expense</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 309.93pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Other expenses</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 27pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">330,273</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 27pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">165,776</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/12pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 0.833pt; padding-left: 0pt; width: 309.93pt; padding-right: 0pt; white-space: normal; padding-top: 2.167pt;"> <div style="text-indent: -10pt; margin-left: 10pt; font-weight: bold;">Loss Before Income Tax and Equity in Undistributed Income of Subsidiary </div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 27pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">(323,202<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.167pt;"></td> <td style="min-width: 27pt; text-align: right; padding-bottom: 0.833pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.167pt;">(156,427<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 309.93pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap; font-weight: bold;">Income Tax Benefit</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 27pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 27pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 309.93pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap; font-weight: bold;">Loss Before Equity in Undistributed Income (Loss) of Subsidiary</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 27pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">(323,202<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 27pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">(156,427<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 309.93pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap; font-weight: bold;">Equity in Undistributed Income (Loss) of Subsidiary</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 27pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">365,340</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 27pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(659,846<font style="position: absolute;">)</font></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 3.25pt; padding-left: 0pt; width: 309.93pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap; font-weight: bold;">Net Income (Loss)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 27pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">42,138</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 27pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">(816,273<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 309.93pt; padding-right: 0pt; padding-top: 2.75pt;"> <div style="white-space: nowrap; font-weight: bold;">Comprehensive Income (Loss)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 27pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">44,598</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 2.75pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 27pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 2.75pt;">(697,777<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="14"></td> </tr> </table> <div> </div>

<div style="text-align: center; widows: 1; text-transform: none; margin-top: 16pt; text-indent: 0px; width: 456pt; font: bold 13px/11pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;">Condensed Statement of Cash Flows</div> <table style="widows: 1; text-transform: none; margin-top: 7pt; text-indent: 0px; width: 456pt; border-collapse: collapse; font: 13px 'times new roman', times, serif; white-space: normal; letter-spacing: normal; height: 235.5pt; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px;"> <tr style="text-align: center; text-transform: none; font: bold 8pt/8pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 0.5pt; padding-left: 0pt; width: 337.84pt; padding-right: 0pt; padding-top: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2015</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;" colspan="4"> <div style="text-align: center; white-space: nowrap;">2014</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 337.84pt; padding-right: 0pt; padding-top: 3.25pt;">Operating Activities</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 337.84pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Net income (loss)</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">42,138</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(816,273<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 337.84pt; padding-right: 0pt; padding-top: 3.5pt;">Items not requiring (providing) cash</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 337.84pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Equity in undistributed (income) loss of subsidiary</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(365,340<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">659,846</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 337.84pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Compensation expense on allocated ESOP shares</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">24,004</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">22,193</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 337.84pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Change in other assets</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(28,177<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #cceeff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 337.84pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Change in other liabilities</div> </td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 30.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,319</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">3,495</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 337.84pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="margin-left: 20pt;">Net cash used in operating activities</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 30.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">(326,056<font style="position: absolute;">)</font></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">(130,739<font style="position: absolute;">)</font></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 337.84pt; padding-right: 0pt; padding-top: 3.25pt;">Investing Activities</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 337.84pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Investment in Bank</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">(3,500,000<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: left; text-transform: none; background-color: #cceeff; font: bold 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="padding-bottom: 1.5pt; padding-left: 0pt; width: 337.84pt; padding-right: 0pt; padding-top: 3.5pt;">Financing Activities</td> <td style="width: 6pt; padding: 0pt;"></td> <td colspan="6"></td> <td colspan="6"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 337.84pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="margin-left: 10pt;">Net proceeds from stock conversion</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 30.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">4,690,113</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 337.84pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap; font-weight: bold;">Net Change in Cash and Due From Banks</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 30.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">(326,056<font style="position: absolute;">)</font></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;"></td> <td style="min-width: 33pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">1,059,374</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="border-bottom: #ffffff 1px solid; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt; width: 337.84pt; padding-right: 0pt; padding-top: 3.5pt;"> <div style="white-space: nowrap; font-weight: bold;">Cash and Due From Banks at Beginning of Year</div> </td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 30.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,059,374</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 6pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;"></td> <td style="border-bottom: #000000 1px solid; min-width: 33pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">—</td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #ffffff 1px solid; width: 0pt; padding: 0pt;"></td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 337.84pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="white-space: nowrap; font-weight: bold;">Cash and Due From Banks at End of Year</div> </td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 30.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">733,318</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 6pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 33pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">1,059,374</td> <td style="width: 0pt; padding: 0pt;"></td> <td style="width: 0pt; padding: 0pt;"></td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="14"></td> </tr> </table> <div> </div>

3- 7 years

39 years

10 years

10.00

1455000

4690000

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Document and Entity Information - USD ($)
12 Months Ended

Dec. 31, 2015

Mar. 28, 2016

Jun. 30, 2015

Document and Entity Information

Entity Registrant Name Edgewater Bancorp, Inc.

Entity Central Index Key 0001584770

Trading Symbol egdw

Entity Current Reporting Status Yes

Entity Voluntary Filers No

Current Fiscal Year End Date --12-31

Entity Filer Category Smaller Reporting Company

Entity Well-known Seasoned Issuer No

Entity Common Stock, Shares Outstanding 667,898

Entity Public Float $ 7,513,853

Document Type 10-K

Document Period End Date Dec. 31, 2015

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XML 16 R2.htm IDEA: XBRL DOCUMENT v3.3.1.900

Consolidated Balance Sheets - USD ($)

Dec. 31, 2015

Dec. 31, 2014

Assets

Cash and due from banks $ 877,780 $ 763,968

Interest-earning demand accounts 10,029,113 12,680,629

Cash and cash equivalents 10,906,893 13,444,597

Available-for-sale securities 11,713,738 12,718,065

Loans held for sale 48,300

Loans receivable, net of allowance for losses of $1,075,374 and $1,075,351, respectively 106,955,455 89,479,525

Premises and equipment, net 3,606,170 3,912,291

Federal Home Loan Bank (FHLB) stock 686,200 1,078,900

Other real estate, net 262,100 467,000

Interest receivable 314,174 302,777

Mortgage servicing right 408,715 432,105

Other assets 521,943 460,562

Total assets 135,375,388 122,344,122

Deposits

Noninterest bearing 13,940,853 11,730,674

Interest-bearing 99,390,003 86,762,438

Total deposits 113,330,856 98,493,112

Federal Home Loan Bank advances 8,000,000 10,000,000

Accrued and other liabilities 672,470 547,550

Total liabilities $ 122,003,326 $ 109,040,662

Commitments and Contingencies

Temporary Equity

ESOP shares subject to mandatory redemption $ 46,197 $ 22,193

Stockholders' Equity

Preferred Stock-shares authorized 5,000,000: none issued or outstanding at $.01 par value

Common Stock-shares authorized 50,000,000: shares issued and outstanding 667,898 at $.01 par value $ 6,679 $ 6,679

Paid-in-capital 4,683,434 4,683,434

Retained earnings 8,650,052 8,607,914

Accumulated other comprehensive loss (14,300) (16,760)

Total equity 13,325,865 13,281,267

Total liabilities and stockholders' equity $ 135,375,388 $ 122,344,122

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Dec. 31, 2015

Dec. 31, 2014

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Preferred Stock, Shares Authorized 5,000,000 5,000,000

Preferred Stock, Shares Issued 0 0

Preferred Stock, Shares Outstanding 0 0

Preferred Stock, Par or Stated Value Per Share $ 0.01 $ 0.01

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Consolidated Statements of Operations - USD ($)
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Interest Income

Loans, including fees $ 4,578,300 $ 3,869,586

Debt securities

Taxable 117,293 146,015

Tax-exempt 44,689 48,688

Federal Home Loan Bank stock 36,735 59,019

Other 18,720 17,231

Total interest income 4,795,737 4,140,539

Interest Expense

Deposits 410,222 386,137

Federal Home Loan Bank advances 125,664 106,463

Total interest expense 535,886 492,600

Net Interest Income 4,259,851 3,647,939

Provision for loan losses 65,000

Net Interest Income After Provision for Loan Losses 4,194,851 3,647,939

Noninterest Income

Service charges, deposits 376,218 382,506

Mortgage banking activities 451,036 253,258

Other 117,181 120,680

Total noninterest income 944,435 756,444

Noninterest Expense

Salaries and employee benefits 2,641,966 2,523,934

Occupancy and equipment 776,886 827,111

Data processing 553,075 526,768

(Gain) loss on sale of other real estate 5,167 (2,266)

Interchange 95,221 79,571

Advertising 73,332 90,520

FDIC insurance premiums 106,764 151,301

Other real estate 27,311 82,223

Professional fees 491,195 576,232

Insurance 59,355 76,371

Other 266,876 288,891

Total noninterest expense 5,097,148 5,220,656

Income (Loss) Before Income Taxes $ 42,138 $ (816,273)

Provision for Income Taxes

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Basic and Diluted Income (Loss) Per Share (in dollars per share) $ 0.07 $ (1.38)

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Consolidated Statements of Comprehensive Income (Loss) - USD ($)
12 Months Ended

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Dec. 31, 2014

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Dec. 31, 2014

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Common Stock

Paid-in Capital

Retained Earnings

Accumulated Other Comprehensive Loss

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Consolidated Statement of Cash Flows - USD ($)
12 Months Ended

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Dec. 31, 2014

Operating Activities

Net income (loss) $ 42,138 $ (816,273)

Items not requiring (providing) cash

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Provision for loan losses 65,000

Net amortization of available-for-sale securities 97,367 116,047

ESOP shares earned 24,004 22,193

Change in fair value of mortgage servicing rights 31,017 33,978

(Gain) loss on sale of other real estate 5,167 (2,266)

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Loans originated for sale (14,701,610) (6,887,612)

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Change in

Interest receivable and other assets (72,779) 37,639

Interest payable and other liabilities 124,920 (142,906)

Net cash provided by (used in) operating activities 781,162 (267,331)

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Purchases of available-for-sale securities (999,000)

Proceeds from calls and maturities of available-for-sale securities 1,908,420 2,877,924

Proceeds sale of FHLB Stock 392,700 329,300

Net change in loans (17,639,930) (3,774,831)

Proceeds from sale of other real estate 298,733 1,091,406

Payment for sale of branch, net (13,327,513)

Proceeds from sale of premises and equipment 47,035 220,823

Purchases of premises and equipment (164,569) (144,894)

Net cash used in investing activities (16,156,611) (12,727,785)

Financing Activities

Net change in deposits 14,837,745 3,749,599

Proceeds from stock conversion escrow 2,368,038

Proceeds from short term Federal Home Loan Bank advances 11,100,000 3,000,000

Proceeds from long term Federal Home Loan Bank advances 8,000,000

Repayment of short term Federal Home Loan Bank advances (13,100,000) (1,000,000)

Net cash provided by financing activities 12,837,745 16,117,637

Net Change in Cash and Cash Equivalents (2,537,704) 3,122,521

Cash and Cash Equivalents, Beginning of Year 13,444,597 10,322,076

Cash and Cash Equivalents, End of Period 10,906,893 13,444,597

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Interest paid 536,005 487,376

Loans transferred to other real estate 99,000 387,344

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XML 23 R9.htm IDEA: XBRL DOCUMENT v3.3.1.900

Nature of Operations and Summary of Significant Accounting Policies
12 Months Ended

Dec. 31, 2015

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Nature of Operations and Summary of Significant Accounting Policies

Note 1:   Nature of Operations and Summary of Significant Accounting Policies

Nature of Operations and Conversion

Edgewater Bank, a federally chartered stock savings association (the “Bank”) is primarily engaged in providing a full range of banking and financial services to individual and corporate customers in the Berrien, Van Buren and to a lesser extent Cass Counties, Michigan. The Bank is subject to competition from other financial institutions. The Bank is subject to the regulation of the certain federal and state agencies and undergoes periodic examinations by those regulatory authorities.

The Banks’s wholly-owned subsidiaries, Explorer Financial Service Corporation (EFSC) and Edgewater Insurance Agency, Inc. (EIA) are included in the consolidated financial statements. EFSC is primarily engaged in providing title insurance services and EIA is used to collect premiums and receive commissions for insurance related benefits the Bank offers its employees.

On January 16, 2014, in accordance with a Plan of Conversion and Reorganization, the Bank completed a mutual-to-stock conversion pursuant to which the Bank became the wholly owned subsidiary of Edgewater Bancorp, Inc. (the “Company”), a Maryland stock holding corporation. In connection with the Conversion, the Company sold 667,898 shares of common stock, at an offering price of $10 per share. The Company’s stock began being quoted on the OTC Bulletin Board on January 17, 2014 under the symbol “EGDW,” and is currently quoted on the OTCQB operated by OTC Markets Group, Inc. under the symbol “EGDW.”

The net proceeds from the stock offering, net of offering costs of approximately $1,455,000, amounted to approximately $4,690,000.

Also, in connection with the Conversion, the Bank established an employee stock ownership plan (the “ESOP”), which purchased 53,431 shares of the Company’s common stock at a price of $10 per share.

In accordance with the OCC regulations, at the time of the Conversion of the mutual bank to a stock holding company, the Company was required to substantially restrict retained earnings by establishing a liquidation account and the Bank established a parallel liquidation account. The liquidations account will be maintained for the benefit of eligible holders who continue to maintain their accounts at the Bank after conversion. The liquidation account will be reduced annually to the extent that eligible account holders have reduced their qualifying deposits. Subsequent increases will not restore an eligible account holders’ interest in the liquidation account. In the event of a complete liquidation of the Bank, and only in such event, each account holder will be entitled to receive a distribution from the liquidation account in an amount proportionate to the adjusted qualifying account balances then held. The Bank may not pay dividends if those dividends would reduce equity capital below the required liquidation account amount.

Principles of Consolidation

The consolidated financial statements include the accounts of the Company and its subsidiary. All significant intercompany accounts and transactions have been eliminated in consolidation.

Use of Estimates

The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America 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 date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.

Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses and fair values of financial instruments.

Cash and Cash Equivalents

The Company considers all liquid investments with original maturities of three months or less to be cash equivalents. At December 31, 2015 and 2014, the Company had no cash equivalents.

At December 31, 2015, none of the Company’s cash accounts at nonfederal government or governmental related entities exceeded federally insured limits, which is $250,000 per covered institution.

Securities

Certain debt securities that management has the positive intent and ability to hold to maturity are classified as “held to maturity” and recorded at amortized cost. Securities not classified as held to maturity, including equity securities with readily determinable fair values, are classified as “available-for-sale” and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method.

For debt securities with fair value below amortized cost when the Company does not intend to sell a debt security, and it is more likely than not the Company will not have to sell the security before recovery of its cost basis, it recognizes the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income. For held-to-maturity debt securities, the amount of an other-than-temporary impairment recorded in other comprehensive income for the noncredit portion of a previous other-than-temporary impairment is amortized prospectively over the remaining life of the security on the basis of the timing of future estimated cash flows of the security.

Federal Home Loan Bank Stock

Federal Home Loan Bank stock is a required investment for institutions that are members of the Federal Home Loan Bank system. The required investment in the common stock is based on a predetermined formula, carried at cost and evaluated for impairment.

Loans Held for Sale

Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or fair value in the aggregate. Net unrealized losses, if any, are recognized through a valuation allowance by charges to noninterest income. Gains and losses on loan sales are recorded in noninterest income, and direct loan origination costs and fees are deferred at origination of the loan and are recognized in noninterest income upon sale of the loan.

Loans

Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoffs are reported at their outstanding principal balances adjusted for unearned income, charge-offs, the allowance for loan losses, any unamortized deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans.

For loans amortized at cost, interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, as well as premiums and discounts, are deferred and amortized as a level yield adjustment over the respective term of the loan.

The accrual of interest on loans is discontinued at the time the loan is 90 days past due unless the credit is well-secured and in process of collection. Past-due status is based on contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful. There were no changed in the Company’s nonaccrual policy during the years ended December 31, 2015 and 2014.

All interest accrued but not collected for loans that are placed on nonaccrual or charged off are reversed against interest income. The interest on these loans is applied to the principal balance until the loan can be returned to an accrual status. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.

For all loan portfolio segments, the Company promptly charges off loans, or portions thereof, when available information confirms that specific loans are uncollectible based on information that includes, but is not limited to, (1) the deteriorating financial condition of the borrower, (2) declining collateral values, and/or (3) legal action, including bankruptcy, that impairs the borrower’s ability to adequately meet its obligations. For impaired loans that are considered to be solely collateral dependent, a partial charge-off is recorded when a loss has been confirmed by an updated appraisal or other appropriate valuation of the collateral.

When cash payments are received on impaired loans in each loan class, the Company records the payment as interest income unless collection of the remaining recorded principal amount is doubtful, at which time payments are used to reduce the principal balance of the loan. Troubled debt restructured loans recognize interest income on an accrual basis at the renegotiated rate if the loan is in compliance with the modified terms.

Allowance for Loan Losses

The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to income. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance.

The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.

The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired. For those loans that are 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. The general component covers nonclassified loans and is based on historical charge-off experience and expected loss given default derived from the Company’s internal risk rating process. Other adjustments may be made to the allowance for pools of loans after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss or risk rating data.

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

Groups of loans with similar risk characteristics are collectively evaluated for impairment based on the group’s historical loss experience adjusted for changes in trends, conditions and other relevant factors that affect repayment of the loans. Accordingly, the Company does not separately identify individual consumer and residential loans for impairment measurements, unless such loans are the subject of a restructuring agreement due to financial difficulties of the borrower.

In the course of working with borrowers, the Company may choose to restructure the contractual terms of certain loans. In restructuring the loan, the Company attempts to work out an alternative payment schedule with the borrower in order to optimize collectability of the loan. A troubled debt restructuring (TDR) occurs when, for economic or legal reasons related to a borrower’s financial difficulties, the Company grants a concession to the borrower that it would not otherwise consider. Terms may be modified to fit the ability of the borrower to repay in line with its current financial status, and the restructuring of the loan may include the transfer of assets from the borrower to satisfy the debt, a modification of loan terms, or a combination of the two.

Nonaccrual loans, including TDRs that have not met the six month minimum performance criterion, are reported in this report as non-performing loans. For all loan classes, it is the Company’s policy to have any restructured loans which are on nonaccrual status prior to being restructured remain on nonaccrual status until six months of satisfactory borrower performance, at which time management would consider its return to accrual status. A loan is generally classified as nonaccrual when the Company believes that receipt of principal and interest is questionable under the terms of the loan agreement. Most generally, this is at 90 or more days past due.

With regard to determination of the amount of the allowance for credit losses, restructured loans are considered to be impaired. As a result, the determination of the amount of impaired loans for each portfolio segment within troubled debt restructurings is the same as detailed previously above.

Premises and Equipment

Depreciable assets are stated at cost less accumulated depreciation. Depreciation is charged to expense using the straight-line method over the estimated useful lives of the assets.

The estimated useful lives for premises and equipment are as follows:

Buildings 39 years

Building and land improvements 10 years

Furniture, fixtures and equipment 3 – 7 years

Other Real Estate, Net

Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in net income or expense from other real estate.

Mortgage Servicing Rights

Mortgage servicing assets are recognized separately when rights are acquired through purchase or through sale of financial assets. Under the servicing assets and liabilities accounting guidance (ASC 860-50), servicing rights resulting from the sale or securitization of loans originated by the Company are initially measured at fair value at the date of transfer. The Company subsequently measures each class of servicing asset using either the fair value or the amortization method. Under the fair value method, which is used for mortgage servicing rights originated prior to 2011, the servicing rights are carried in the balance sheet at fair value and the changes in fair value are reported in earnings in the period in which the changes occur. Beginning in 2011, servicing rights derived from the sale of originated mortgage loans are measured using the amortization method. Under the amortization method, servicing rights are amortized in proportion to and over the period of estimated net servicing income. The amortized assets are assessed for impairment or increased obligation based on fair value at each reporting date.

Fair value is based on market prices for comparable mortgage servicing contracts, when available, or alternatively, is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. These variables change from quarter to quarter as market conditions and projected interest rates change, and may have an adverse impact on the value of the mortgage servicing right and may result in a reduction to noninterest income.

Each class of separately recognized servicing assets subsequently measured using the amortization method are evaluated and measured for impairment. Impairment is determined by stratifying rights into tranches based on predominant characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual tranche, to the extent that fair value is less than the carrying amount of the servicing assets for that tranche. The valuation allowance is adjusted to reflect changes in the measurement of impairment after the initial measurement of impairment. Changes in valuation allowances, if any, are reported with mortgage banking activities on the statements of operations. Fair value in excess of the carrying amount of servicing assets for that stratum is not recognized.

Servicing fee income is recorded for fees earned for servicing loans. The fees are based on a contractual percentage of the outstanding principal or a fixed amount per loan and are recorded as income when earned. The amortization of mortgage servicing rights and servicing fee income are included with mortgage banking activities on the statements of operations.

Off-Balance Sheet Instruments

In the ordinary course of business, the Company has entered into commitments under commercial letters of credit and standby letters of credit. Such financial instruments are recorded when they are funded.

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 (1) the assets have been isolated from the Company — put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership, (2) 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 (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets.

Income Taxes

The Company accounts for income taxes in accordance with income tax accounting guidance (ASC 740, Income Taxes). The income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax bases of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized.

Tax positions are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50%; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50% likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances and information available at the reporting date and is subject to management’s judgment. With a few exceptions, the Company is no longer subject to U.S. federal, state and local or non-U.S. income tax examinations by tax authorities for years before 2012.

The Company recognizes interest and penalties, if any, on income taxes as a component of income tax expense.

The Company files consolidated income tax returns with its subsidiary.

Comprehensive Income (Loss)

Comprehensive income (loss) consists of net other comprehensive income, net of applicable loss taxes. Other comprehensive income includes unrealized appreciation on available-for-sale securities.

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Restriction on Cash and Due From Banks
12 Months Ended

Dec. 31, 2015

Restriction on Cash and Due From Banks

Restriction on Cash and Due From Banks

Note 2:   Restriction on Cash and Due From Banks

The Company is required to maintain reserve funds in cash and/or on deposit with the Federal Reserve Bank. The reserve required was $757,000 and $486,000 at December 31, 2015 and 2014, respectively.

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Securities
12 Months Ended

Dec. 31, 2015

Securities

Securities

Note 3:   Securities

The amortized cost and approximate fair values, together with gross unrealized gains and losses, of securities are as follows:

2015

Amortized
Cost

Gross
Unrealized
Gains

Gross
Unrealized
Losses

Fair Value

Available-for-sale securities:

U.S. Government and federal agency
$ 5,952,239 $ 925 $ 28,222 $ 5,924,942

State and political subdivisions
2,555,544 8,357 5,015 2,558,886

Mortgage-backed – Government-Sponsored Enterprise (GSE)-residential
2,566,762 14,222 10,728 2,570,256

Collateralized mortgage obligations – GSE
653,493 6,161 — 659,654

Total available-for-sale securities
$ 11,728,038 $ 29,665 $ 43,965 $ 11,713,738

2014

Amortized
Cost

Gross
Unrealized
Gains

Gross
Unrealized
Losses

Fair
Value

Available-for-sale securities:

U.S. Government and federal agency
$ 5,002,617 $ 3,230 $ 66,017 $ 4,939,830

State and political subdivisions
3,354,828 20,436 14,179 3,361,085

Mortgage-backed – Government-Sponsored Enterprise (GSE)-residential
3,357,163 32,790 5,951 3,384,002

Collateralized mortgage obligations – GSE
1,020,217 12,931 — 1,033,148

Total available-for-sale securities
$ 12,734,825 $ 69,387 $ 86,147 $ 12,718,065

The amortized cost and fair value of available-for-sale securities at December 31, 2015, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.

December 31, 2015

Amortized
Cost

Fair
Value

Within one year
$ 1,000,596 $ 1,004,319

After one through five years
7,507,187 7,479,509

8,507,783 8,483,828

Mortgage-backed – GSE residential
2,566,762 2,570,256

Collateralized mortgage obligations – GSE
653,493 659,654

$ 11,728,038 $ 11,713,738

The carrying value of securities pledged as collateral, to secure public deposits and for other purposes, was $246,401 and $345,931 at December 31, 2015 and 2014, respectively.

For the years ended December 31, 2015 and December 31 2014, there were no sales of securities available-for-sale.

Certain investments in debt securities are reported in the consolidated financial statements at an amount less than their historical cost. Total fair value of these investments at December 31, 2015 and 2014, was $6,612,243 and $6,066,781, which is approximately 56% and 48%, respectively, of the Company’s available-for-sale investment portfolio. These declines primarily resulted from recent increases in market interest rates since the securities were purchased.

Management believes the declines in fair value for these securities are temporary.

The following table shows the Company’s investments’ gross unrealized losses and fair value of the Company’s investments with unrealized losses that are not deemed to be other-than-temporarily impaired, aggregated by investment class and length of time that individual securities have been in a continuous unrealized loss position at December 31, 2015 and 2014:

2015

Less than 12 Months

12 Months or Longer

Total

Fair
Value

Gross
Unrealized
Losses

Fair
Value

Gross
Unrealized
Losses

Fair
Value

Gross
Unrealized
Losses

Available-for-sale securities:

U.S. Government and federal
agency
$ 3,524,074 $ 19,656 $ 990,379 $ 8,566 $ 4,514,453 $ 28,222

State and political subdivisions
— — 494,985 5,015 494,985 5,015

Mortgage-backed – GSE residential residential
1,602,805 10,728 — — 1,602,805 10,728

$ 5,126,879 $ 30,384 $ 1,485,364 $ 13,581 $ 6,612,243 $ 43,965

2014

Less than 12 Months

12 Months or Longer

Total

Fair
Value

Gross
Unrealized
Losses

Fair
Value

Gross
Unrealized
Losses

Fair
Value

Gross
Unrealized
Losses

Available-for-sale securities:

U.S. Government and federal
agency
$ — $ — $ 3,492,139 $ 66,017 $ 3,492,139 $ 66,017

State and political subdivisions
804,572 2,604 488,425 11,575 1,292,997 14,179

Mortgage-backed – GSE-residential

Collateralized mortgage obligations – GSE
1,281,645 5,951 — — 1,281,645 5,951

$ 2,086,217 $ 8,555 $ 3,980,564 $ 77,592 $ 6,066,781 $ 86,147

The unrealized losses on the Company’s investments in direct obligations of U.S. Government and federal agencies, state and political subdivisions and mortgage-backed GSE residential securities. were caused by interest rate changes. The contractual terms of those investments do not permit the issuer to settle the securities at a price less than the amortized cost basis of the investments. Because the Company does not intend to sell the investments and it is not more likely than not the Company will be required to sell the investments before recovery of their amortized cost bases, which may be maturity, the Company does not consider those investments to be other-than-temporarily impaired at December 31, 2015.

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The entire disclosure for investments in certain debt and equity securities.
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Loans and Allowance for Loan Losses
12 Months Ended

Dec. 31, 2015

Receivables [Abstract]

Loans and Allowance for Loan Losses

Note 4:   Loans and Allowance for Loan Losses

Classes of loans at December 31, 2015 and 2014, include:

2015

2014

Real estate loans:

Residential 1 – 4 family
$ 45,402,431 $ 45,353,599

Commercial Real Estate
32,374,013 27,908,662

Construction and land development
1,975,842 1,523,281

Total real estate
79,752,286 74,785,542

Commercial and industrial
8,147,480 5,536,805

Warehouse line
10,000,000 —

Consumer loans:

Home equity loans and lines of credit
9,003,016 9,331,608

Other consumer loans
1,101,856 883,864

Total consumer
10,104,872 10,215,472

Gross loans
108,004,638 90,537,819

Net deferred loan costs
(26,191) (17,057)

Allowance for loan losses
1,075,374 1,075,351

Net loans
$ 106,955,455 $ 89,479,525

Risk characteristics applicable to each segment of the loan portfolio are described as follows.

Residential 1 – 4 Family, Home Equity Loans and Lines of Credit and Other Consumer: The residential 1 – 4 family real estate loans are generally secured by owner-occupied 1 – 4 family residences. Home equity loans and lines of credit are typically secured by a subordinate interest in 1 – 4 family residences and consumer loans are secured by consumer assets such as automobiles and other personal property. Repayment of these loans is primarily dependent on the personal income and credit rating of the borrowers. Credit risk in these loans can be impacted by economic conditions within the Bank’s market areas that might impact either property values or a borrower’s personal income. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers.

Commercial Real Estate including Construction and Land: Commercial real estate loans typically involve larger principal amounts, and repayment of these loans is generally dependent on the successful operations of the property securing the loan or the business conducted on the property securing the loan. These loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Construction and land real estate loans are usually based upon estimates of costs and estimated value of the completed project and include independent appraisal reviews and a financial analysis of the developers and property owners. Sources of repayment of these loans may include permanent loans, sales of developed property or an interim loan commitment from the Bank until permanent financing is obtained. These loans are considered to be higher risk than other real estate loans due to their ultimate repayment being sensitive to interest rate changes, general economic conditions and the availability of long-term financing. Credit risk in these loans may be impacted by the creditworthiness of a borrower, property values and the local economies in the Company’s market areas.

Commercial and Industrial: The commercial and industrial portfolio includes loans to commercial customers for use in financing working capital needs, equipment purchases and expansions. The loans in this category are repaid primarily from the cash flow of a borrower’s principal business operation. Credit risk in these loans is driven by creditworthiness of a borrower and the economic conditions that impact the cash flow stability from business operations.

Warehouse Line: The residential mortgage warehouse line is a wholesale mortgage line participation. The lending is done with a specific mortgage company that is a customer with the participating bank. The participating bank underwrites each individual mortgage and the related mortgagee. Financing is provided to an approved mortgage company for the origination and sale of residential mortgage loans. A portion of each individual mortgage is assigned to the Edgewater Bank until the loans is sold on the secondary market. These loans are typically sold within 30 days and are seldom held more than 90 days. Interest income is accrued during this period and collected at the time each loan is sold. Edgewater Bank has established several controls to minimize potential risks including reviewing documents provided on the approved mortgage warehouse participants. Also, certain loan documents are received and reviewed on each loan in which Edgewater Bank is asked to participate in that allows Edgewater Bank to accept or reject the individual loan participation.

The following tables present by portfolio segment, the activity in the allowance for loan losses for the years ended December 31, 2015 and 2014, and the recorded investment in loans and impairment method as of December 31, 2015 and 2014:

2015

Residential
1 – 4 Family

Commercial
Real Estate

Commercial
and Industrial

Warehouse
Line

Consumer

Total

Allowance for loan losses

Balance, beginning of period
$ 222,618 $ 503,621 $ 248,388 $ — $ 100,724 $ 1,075,351

Provision (credit) for loan
losses
101,517 59,817 (179,051) 60,787 21,930 65,000

Loans charged to the allowance
(570) (62,015) — — (18,657) (81,242)

Recoveries of loans previously charged off
13,665 2,600 — — — 16,265

Balance, end of year
$ 337,230 $ 504,023 $ 69,337 $ 60,787 $ 103,997 $ 1,075,374

Ending balance: individually evaluated for impairment
$ 13,969 $ 302 $ — $ — $ 372 $ 14,643

Ending balance: collectively evaluated for impairment
$ 323,261 $ 503,721 $ 69,337 $ 60,787 $ 103,625 $ 1,060,731

Loans:

Ending balance
$ 45,402,431 $ 34,349,855 $ 8,147,480 $ 10,000,000 $ 10,104,872 $ 108,004,638

Ending balance individually evaluated for impairment
$ 2,051,278 $ 315,658 $ — $ — $ 122,809 $ 2,489,745

Ending balance collectively evaluated for impairment
$ 43,351,153 $ 34,034,197 $ 8,147,480 $ 10,000,000 $ 9,982,063 $ 105,514,893

2014

Residential
1 – 4 Family

Commercial
Real Estate

Commercial
and Industrial

Warehouse
Line

Consumer

Total

Allowance for loan losses

Balance, beginning of period
$ 188,325 $ 587,331 $ 138,268 $ — $ 147,217 $ 1,061,141

Provision (credit) for loan
losses
58,217 (174,664) 110,120 — 6,327 —

Loans charged to the allowance
(27,134) — — — (73,220) (100,354)

Recoveries of loans previously charged off
3,210 90,954 — — 20,400 114,564

Balance, end of year
$ 222,618 $ 503,621 $ 248,388 $ — $ 100,724 $ 1,075,351

Ending balance: individually evaluated for impairment
$ 16,325 $ 644 $ — $ — $ 533 $ 17,502

Ending balance: collectively evaluated for impairment
$ 206,293 $ 502,977 $ 248,388 $ — $ 100,191 $ 1,057,849

Loans:

Ending balance
$ 45,353,599 $ 29,431,943 $ 5,536,805 $ — $ 10,215,472 $ 90,537,819

Ending balance individually evaluated for impairment
$ 2,727,712 $ 1,356,103 $ — $ — $ 152,879 $ 4,236,694

Ending balance collectively evaluated for impairment
$ 42,625,887 $ 28,075,840 $ 5,536,805 $ — $ 10,062,593 $ 86,301,125

Internal Risk Categories

In adherence with policy, the Bank uses the following internal risk grading categories and definitions for loans:

RISK RATING 1 — EXCELLENT

General: The highest quality asset rating reflects superior, in-depth management, and superior financial flexibility. Conservative balance sheets are both strong and liquid, and historic cash flows (last five years) have provided exceptionally large and stable margins of protection.

Specific: Financial statements are current, audited, of superior quality and in complete detail. Financial condition is superior and compares favorably to the industry average. Cash flow is outstanding relative to historical and projected debt service requirements. The borrower adheres to all loan covenants. Management (or individual) integrity and ability are outstanding.

RISK RATING 2 — STRONG

General: The borrower is fully responsible for the credit. Asset quality and liquidity are very good, and debt capacity and coverage are strong. The company has strong management in all positions, and is highly regarded with excellent financial flexibility including access to other sources of financing.

Specific: Financial statements are current, of excellent quality and in adequate detail. Financial condition is very good and compares favorably to the industry average. Statements reflect a stable record of earnings over time and consistent profitability. Cash flow is strong relative to historical and projected debt service requirements. The borrower consistently adheres to the repayment schedules for both principal and interest. The borrower adheres to all loan covenants. Management (or individual) integrity and ability are outstanding.

RISK RATING 3 — GOOD

General: Asset quality and liquidity are strong, and debt capacity and coverage are good to above average. General financial trends are stable to favorable and financial and profitability ratios are consistent with industry peers. Management strength is apparent. The industry is average. Some modest elements of uncertainty may be present due to liquidity, margin and cash flow stability, asset of customer concentrations, dependence on one business type, or cyclical trends that may affect the borrower.

Specific: The financial statements are generally current, of adequate detail, and of good quality. Publication of statements is at least once annually but in most cases more frequent. Financial condition is good relative to the industry. The earnings record is stable and consistent, although modest year-to-year earnings may fluctuate more than for borrowers rated Excellent (1) or Strong (2). Cash flow may vary during the repayment of the loan but does not fall below debt service requirements. Historical profitability may be inconsistent but losses are typically non-existent or infrequent. Liquidity and leverage are at the industry average. The borrower consistently adheres to repayment schedules for both principal and interest, and adheres to all loan covenants. Any waivers are immaterial, and do not negatively impact the strength of the credit. Management (or individual) integrity and ability are sound. Depth and breadth of management is also sound.

RISK RATING 4 — ACCEPTABLE

General: Asset quality and liquidity are good, and debt capacity and coverage are average to good. General financial trends are stable to favorable and financial and profitability ratios are consistent with industry peers. Management strength is apparent but may be limited to key positions. The industry is average. Some elements of uncertainty may be present due to liquidity, margin and cash flow stability, asset of customer concentrations, dependence on one business type, or cyclical trends that may affect the borrower. Adverse economic conditions may lead to declining trends.

Specific: The financial statements are generally current, of adequate detail, and of average quality. Publication of statements is at least once annually. Financial condition is average relative to the industry. The earnings record is satisfactory, although year-to-year earnings patterns may fluctuate more than for borrowers rated Good (3). Cash flow may vary during the repayment of the loan but does not fall below debt service requirements. Historical profitability may be inconsistent and may have losses in recent years.

Liquidity and leverage may be below the industry average, and the borrower may be highly leveraged. The borrower consistently adheres to repayment schedules for both principal and interest, and adheres to all loan covenants. Any waivers are immaterial, and do not negatively impact the strength of the credit. Management (or individual) integrity and ability are sound. Depth and breadth of management is also sound.

RISK RATING 5 — WATCH

General: Loans in this category are considered to be acceptable credit quality, but contain greater credit risk than Risk Rating 4 loans due to weak balance sheets, marginal earnings or cash flow, lack of financial information, weakening markets, insufficient or questionable collateral coverage, or other uncertainties. These loans warrant a higher than average level of monitoring to ensure that potential weaknesses do not emerge. The level of risk in a Watch loan is within acceptable underwriting guidelines so long as the loan is given the proper level of management supervision.

Specific: The financial statements may be missing, outdated, of poor quality, or lacking in important details. Financial condition is below the industry average. The borrower may be experiencing negative trends and/or erratic or unstable financial performance. The borrower may have suffered a loss in a recent period; however, losses have not been of the magnitude to have adversely affected the balance sheet. The borrower generally adheres to repayment schedules for principal and consistently for interest. Cash flow from primary sources has generally been adequate but, if existing trends continue may not be adequate to meet projected debt service requirements in the future. The borrower may have violated one or more financial or other covenants, but such has not materially impacted financial condition or performance. Industry outlook may be unfavorable. The integrity and quality of management remains good; however, management depth may be limited.

RISK RATING 6 — SPECIAL MENTION

General: Assets in this category have potential weaknesses that deserve the Bank’s close attention. If potential weaknesses are left unchecked or uncorrected, they may result in deterioration of the repayment prospects for the asset or inadequately protect the Bank’s credit position at some future date. These assets pose elevated risk, but their weakness does not expose the Bank to sufficient risk to warrant adverse classification.

Specific: Borrowers may be experiencing adverse operating trends (declining revenues or margins) or an ill-proportioned balance sheet (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 (6) rating. Nonfinancial reasons for rating a credit Special Mention (6) include management problems, pending litigation, an ineffective loan agreement or other material structural weaknesses, and any other significant deviation from prudent lending practices.

RISK RATING 7 — SUBSTANDARD

General: Assets in this category are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. These assets have a well-defined weakness or weaknesses that jeopardize the timely liquidation of the debt. They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.

Specific: Substandard assets have a high probability of payment default, or they have other well-defined weaknesses. The financial statements may be missing, seriously outdated, of poor quality, or lacking in important details. Financial condition is less than satisfactory. The borrower is experiencing negative trends and material losses. The primary source of cash flow is inadequate to meet current debt service requirements, and unless present conditions improve is potentially inadequate to meet projected debt service requirements. The borrower may have reached the point of employing its secondary source of cash flow. The borrower inconsistently adheres to repayment schedules for either principal or interest. The borrower may have violated one or more financial or other covenants, reflecting unsatisfactory liquidity and/or capitalization. Either the integrity or the ability of management may be in question. For some Substandard (7) assets, the likelihood of full collection of interest and principal may be in doubt; such assets should be placed on nonaccrual.

RISK RATING 8 — DOUBTFUL

General: Assets in this category have all the weaknesses inherent in one classified substandard with the added characteristic that the weaknesses make collection or liquidation in full on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

Specific: An asset in this category has a high probability of total or substantial loss, but because of specific pending events that may strengthen the asset, its classification as loss is deferred. Doubtful borrowers are usually in default, lack adequate liquidity and capital, and lack the resources necessary to remain an operating entity. Pending events can include mergers, acquisitions, liquidations, capital injections, and the perfection of liens on additional collateral, the valuation of collateral and refinancing. Generally, pending events should be resolved within a relatively short period and the ratings will be adjusted based on new information. Because of high probability of loss, nonaccrual accounting treatment is required for Doubtful (8) assets.

RISK RATING 9 — LOSS

General: Assets in this category are considered uncollectible and of such little value that their continuance as bankable assets is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be obtained in the future.

Specific: With Loss (9) assets, the underlying borrowers are often in bankruptcy, have formally suspended debt repayments, or have otherwise ceased normal business operations. Once an asset is classified Loss (9), there is little prospect of collecting either its principal or interest. Losses are to be recorded in the period an obligation becomes uncollectable.

The following table presents the credit risk profile of the Bank’s loan portfolio based on internal rating category and payment activity as of December 31, 2015 and 2014:

2015

Residential
1 – 4 Family

Commercial
Real Estate

Construction
and Land

Commercial
and Industrial

Warehouse
Line

Home
Equity

Other
Consumer

Total

Pass(1 – 5)
$ 44,838,588 $ 30,037,894 $ 1,966,182 $ 8,147,480 $ 10,000,000 $ 9,003,016 $ 1,101,856 $ 105,095,016

Special Mention(6)
— 1,553,936 — — — — — 1,553,936

Substandard(7) 563,843 782,183 9,660 — — — — 1,355,686

Doubtful(8) — — — — — — — —

Loss(9) — — — — — — — —

Total
$ 45,402,431 $ 32,374,013 $ 1,975,842 $ 8,147,480 $ 10,000,000 $ 9,003,016 $ 1,101,856 $ 108,004,638

2014

Residential
1 – 4 Family

Commercial
Real Estate

Construction
and Land

Commercial
and Industrial

Warehouse
Line

Home
Equity

Other
Consumer

Total

Pass(1 – 5)
$ 44,618,696 $ 25,726,754 $ 1,344,107 $ 5,536,805 $ — $ 9,321,255 $ 883,864 $ 87,431,481

Special Mention(6)
— 219,157 — — — — — 219,157

Substandard(7) 734,903 1,962,751 179,174 — — 10,353 — 2,887,181

Doubtful(8) — — — — — — — —

Loss(9) — — — — — — — —

Total
$ 45,353,599 $ 27,908,662 $ 1,523,281 $ 5,536,805 $ — $ 9,331,608 $ 883,864 $ 90,537,819

The Bank evaluates the loan risk grading system definitions and allowance for loan loss methodology on an ongoing basis. No significant changes were made to either during the past year.

The following tables present the Bank’s loan portfolio aging analysis of the recorded investment in loans as of December 31, 2015 and 2014:

2015

30 – 59 Days
Past Due

60 – 89 Days
Past Due

Greater
Than
90 Days

Total
Past Due

Current

Total
Loans

Total Loans
>90 Days &
Accruing

Residential 1 – 4 family
$ 1,124,518 $ 312,454 $ 555,497 $ 1,992,469 $ 43,409,962 $ 45,402,431 $ —

Commercial real estate
9,715 — — 9,715 32,364,298 32,374,013 —

Construction and land
— 23,118 9,660 32,778 1,943,064 1,975,842 —

Commercial and industrial
99,541 — — 99,541 8,047,939 8,147,480 —

Warehouse Line
— — — — 10,000,000 10,000,000 —

Home equity
72,128 10,288 8,309 90,725 8,912,291 9,003,016 —

Other consumer
— 2,852 — 2,852 1,099,004 1,101,856 —

$ 1,305,902 $ 348,712 $ 573,466 $ 2,228,080 $ 105,776,558 $ 108,004,638 $ —

2014

30 – 59 Days
Past Due

60 – 89 Days
Past Due

Greater
Than
90 Days

Total
Past Due

Current

Total
Loans

Total Loans
>90 Days &
Accruing

Residential 1-4 family
$ 1,147,797 $ 557,817 $ 734,903 $ 2,440,517 $ 42,913,082 $ 45,353,599 $ —

Commercial real estate
11,782 — — 11,782 27,896,880 27,908,662 —

Construction and land
27,817 — 21,972 49,789 1,473,492 1,523,281 —

Commercial and
industrial
— — — — 5,536,805 5,536,805 —

Warehouse Line
— — — — — — —

Home equity
54,224 25,601 10,353 90,178 9,241,430 9,331,608 —

Other consumer
— 6,057 — 6,057 877,807 883,864 —

$ 1,241,620 $ 589,475 $ 767,228 $ 2,598,323 $ 87,939,496 $ 90,537,819 $ —

A loan is considered impaired, in accordance with the impairment accounting guidance (ASC 310-10-35-16), when based on current information and events, it is probable the Bank will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include nonperforming commercial loans but also include loans modified in troubled debt restructurings.

The following table presents impaired loans and specific valuation allowance based on class level for the years ended December 31, 2015 and 2014:

2015

Residential
1 – 4 Family

Commercial
Real Estate

Construction
and Land

Commercial
and Industrial

Warehouse
Line

Home
Equity

Total

Impaired loans without a specific allowance:

Recorded investment
$ 848,467 $ 273,166 $ — $ — $ — $ 79,097 $ 1,200,730

Unpaid principal balance
921,718 273,166 — — — 79,097 1,273,981

Impaired loans with a specific allowance:

Recorded investment
1,202,811 9,715 32,777 — — 43,712 1,289,015

Unpaid principal balance
1,259,063 11,111 36,696 — — 45,687 1,352,557

Specific allowance
13,969 129 173 — — 372 14,643

Total impaired loans:

Recorded investment
2,051,278 282,881 32,777 — — 122,809 2,489,745

Unpaid principal balance
2,180,781 284,277 36,696 — — 124,784 2,626,538

Specific allowance
13,969 129 173 — — 372 14,643

2014

Residential
1 – 4 Family

Commercial
Real Estate

Construction
and Land

Commercial
and Industrial

Warehouse
Line

Home
Equity

Total

Impaired loans without a specific allowance:

Recorded investment
$ 1,396,878 $ 1,003,575 $ 290,956 $ — $ — $ 86,296 $ 2,777,705

Unpaid principal balance
1,475,218 1,121,615 304,827 — — 92,277 2,993,937

Impaired loans with a specific allowance:

Recorded investment
1,330,834 11,782 49,790 — — 66,583 1,458,989

Unpaid principal balance
1,373,484 12,700 56,120 — — 69,627 1,511,931

Specific allowance
16,325 46 598 — — 533 17,502

Total impaired loans:

Recorded investment
2,727,712 1,015,357 340,746 — — 152,879 4,236,694

Unpaid principal balance
2,848,702 1,134,315 360,947 — — 161,904 4,505,868

Specific allowance
16,325 46 598 — — 533 17,502

The following presents by portfolio class, information related to the average recorded investment and interest income recognized on impaired loans for the years ended December 31, 2015 and 2014:

2015

Residential
1 – 4 Family

Commercial
Real Estate

Construction
and Land

Commercial
and Industrial

Warehouse
Line

Home
Equity

Total

Average recorded investment in impaired loans
$ 1,920,676 $ 290,494 $ 38,295 $ — $ — $ 127,281 2,376,746

Interest income recognized
23,914 15,554 — — — 2,614 42,082

Interest income recognized on a cash basis
23,798 15,328 — — — 2,614 41,740

2014

Residential
1 – 4 Family

Commercial
Real Estate

Construction
and Land

Commercial
and Industrial

Warehouse
Line

Home
Equity

Total

Average recorded investment in impaired loans
$ 2,394,222 $ 1,078,123 $ 330,360 $ — $ — $ 137,430 $ 3,940,135

Interest income recognized
38,882 16,369 5,945 — — 303 61,499

Interest income recognized on a cash basis
38,748 16,369 5,945 — — 303 61,365

The following table presents the Bank’s nonaccrual loans at December 31, 2015 and 2014. This table excludes performing troubled debt restructurings.

2015

2014

Residential 1 – 4 family
$ 1,233,905 $ 1,811,649

Commercial real estate
9,715 729,032

Construction and land
32,777 206,991

Commercial and industrial
— —

Warehouse Line
— —

Home equity
43,712 150,511

Other consumer
— —

$ 1,320,109 $ 2,898,183

At December 31, 2015 the Company did not have any loans that were modified in troubled debt restructurings however; in 2014, the Company had loans that were modified in troubled debt restructurings and impaired. The modification of terms of such loans included one or a combination of the following: an extension of maturity, a reduction of the stated interest rate or a permanent reduction of the recorded investment in the loan.

The following table presents information regarding troubled debt restructurings by class for the year ended December 31, 2015 and 2014.

Newly classified troubled debt restructurings:

2015

2014

Number
of Loans

Pre-
Modification
Recorded
Balance

Post
Modification
Recorded
Balance

Number
of Loans

Pre-
Modification
Recorded
Balance

Post
Modification
Recorded
Balance

Residential 1 – 4 family
— $ — $ — 3 $ 418,350 $ 418,350

Commercial real estate
— — — — — —

Construction and land development
— — — — — —

Commercial and industrial
— — — — — —

Warehouse line
— — — — — —

Home equity
— — — — — —

Other consumer
— — — — — —

— $ — $ — 3 $ 418,350 $ 418,350

The troubled debt restructurings described above increased the allowance for loan losses by $3,502 resulted in charge offs of $19,937 during the year ended December 31, 2014.

Newly restructured loans by type of modification:

2015

Interest
Only

Term

Combination

Total
Modification

Residential 1 – 4 family
$ — $ — $ — $ —

Commercial real estate
— — — —

Construction and land development
— — — —

Commercial and industrial
— — — —

Warehouse line
— — — —

Home equity
— — — —

Other consumer
— — — —

$ — $ — $ — $ —

2014

Interest
Only

Term

Combination

Total
Modification

Residential 1 – 4 family
$ 93,832 $ 61,000 $ 263,518 $ 418,350

Commercial real estate
— — — —

Construction and land development
— — — —

Commercial and industrial
— — — —

Warehouse line
— — — —

Home equity
— — — —

Other consumer
— — — —

$ 93,832 $ 61,000 $ 263,518 $ 418,350

Troubled debt restructurings modified in the past 12 months that subsequently defaulted:

2015

2014

Number of
Loans

Recorded
Balance

Number of
Loans

Recorded
Balance

Residential 1 – 4 family
— $ — — $ —

Commercial real estate
— — 1 214,736

Construction and land development
— — — —

Commercial and industrial
— — — —

Warehouse line
— — — —

Home equity
— — — —

Other consumer
— — — —

— $ — 1 $ 214,736

As of December 31, 2015, borrowers with loans designated as TDRs totaling $1,084,630 and consisting of $732,385 of residential 1 – 4 family loans, $273,166 of commercial real estate loans, and $79,079 of home equity loans, met the criteria for placement on accrual status.

As of December 31, 2014, borrowers with loans designated as TDRs totaling $1,431,843 and consisting of $1,009,396 of residential 1 – 4 family, $286,325 of commercial real estate loans, $133,754 of construction and land development and $2,368 of home equity loans, met the criteria for placement on accrual status.

This criteria is a minimum of six months of payment performance under existing or modified terms.

The Company has had, and may be expected to have in the future, lending transactions in the ordinary course of business with principal stockholder, directors, executive officer and their affiliates (related parties), all of which have been, in the opinion of management, on the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with unrelated parties and which do not represent more than the normal risk of collectability or present other unfavorable features.

Aggregate loan transaction with related parties for the year ended December 31, 2015 and year ended December 31, 2014:

2015

2014

Balance, January 1,
$ 1,746,535 $ 96,059

New loans and advances on lines
535,893 1,043,733

Repayments
(540,712) (667,229)

Other, newly established related party
648,108 1,273,972

Balance, December 31,
$ 2,389,824 $ 1,746,535

Balance available on lines of credit or loan commitments
290,558 558,191

None of these loans are past due, in nonaccrual status or have been restructured to provide a reduction or deferral of interest or principal because of deterioration in the financial position of the borrower. These were no loans to a related party that were considered classified at December 31, 2015 and December 31, 2014.

On January 1, 2015, the Company adopted Accounting Standards Update (ASU) 2014-04, Receivables — Troubled Debt Restructuring by Creditors. At December 31, 2015, the Company held no residential real estate as foreclosed property. Also, at December 31, 2015, there were no consumer mortgage loans in the process of foreclosure according to local requirements of the applicable jurisdictions.

X

- Definition
The entire disclosure for financing receivables. Examples of financing receivables include, but are not limited to, loans, trade accounts receivables, notes receivable, credit cards, and receivables relating to a lessor's right(s) to payment(s) from a lease other than an operating lease that is recognized as assets.
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Premises and Equipment
12 Months Ended

Dec. 31, 2015

Premises and Equipment

Premises and Equipment

Note 5:   Premises and Equipment

Major classifications of premises and equipment, stated at cost, are as follows:

2015

2014

Land
$ 864,420 $ 864,420

Land improvements
322,809 322,809

Building and improvements
4,513,402 4,509,902

Furniture, fixtures and equipment
3,326,148 3,651,942

Total cost
9,026,779 9,349,073

Accumulated depreciation
(5,420,609) (5,436,782)

Net premises and equipment
$ 3,606,170 $ 3,912,291

The Decatur branch sale was closed on January 24, 2014. Approximately $222,000 in net premises and equipment were included in the sale.

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- Definition
The entire disclosure for long-lived, physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, accounting policies and methodology, roll forwards, depreciation, depletion and amortization expense, including composite depreciation, accumulated depreciation, depletion and amortization expense, useful lives and method used, income statement disclosures, assets held for sale and public utility disclosures.
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-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.13-14)
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Loan Servicing
12 Months Ended

Dec. 31, 2015

Loan Servicing

Loan Servicing

Note 6:   Loan Servicing

The Company accounts for loan servicing rights applicable to serviced loans originated prior to January 1, 2011, using the fair value method of accounting and are considered a specific class. Loan servicing rights applicable to serviced loans originated after January 1, 2011, are valued using the amortization method and are considered a different specific class. Under both methods, the mortgage servicing rights are recorded at fair value at inception. Under the fair value method, the asset continues to be recorded at fair value each reporting period, with changes in fair value being recorded through noninterest income. Under the amortization method, the recorded asset is amortized over its estimated life.

The fair value method approach of accounting was adopted because the Company believed the fair values of servicing rights were substantially undervalued and thus understated on the balance sheet. The fair value is determined using prices for similar assets with similar characteristics, when available, or based upon discounted cash flows using market-based assumptions. Subsequent valuation adjustments for servicing assets related to loan originations prior to January 1, 2011, will be made to noninterest income and included in mortgage banking activities in the statement of operations.

Mortgage loans serviced for others are not included in the accompanying consolidated balance sheets. The risks inherent in mortgage servicing assets relate primarily to changes in prepayments that result from shifts in mortgage interest rates. The unpaid principal balances of mortgage loans serviced for others was $77,187,000 and $73,575,000 at December 31, 2015 and 2014, respectively.

The following summarizes the activity pertaining to mortgage servicing rights measured using the amortization method. There were no valuation allowance recorded or reversed during 2015 or 2014.

2015

2014

Balance, beginning of year
$ 317,912 $ 364,999

Additions
130,638 59,732

Amortization
(123,011) (106,819)

Balance, end of year
$ 325,539 $ 317,912

Fair value as of the beginning of the year
$ 526,647 $ 543,975

Fair value as of the end of year
612,290 526,647

The following summarizes the activity in mortgage servicing rights measured using the fair value method for the years ended December 31, 2015 and 2014:

2015

2014

Balance, beginning of year
$ 114,193 $ 148,171

Additions

Change in fair value adjusted through earnings
(31,017) (33,978)

Balance, end of year
$ 83,176 $ 114,193

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Deposits
12 Months Ended

Dec. 31, 2015

Deposits

Deposits

Note 7:   Deposits

2015

2014

Non-interest bearing demand deposits
$ 13,940,853 $ 11,730,674

Interest bearing deposits
37,751,724 24,528,025

Money market
20,465,720 20,350,496

Savings accounts
13,660,368 15,027,699

Certificates of deposit
27,512,191 26,856,218

Total deposits
$ 113,330,856 $ 98,493,112

Interest-bearing time deposits in denominations of $250,000 or more were $3,714,258 at December 31, 2015, and $2,060,478 at December 31, 2014.

At December 31, 2015 and 2014, the Bank had deposits from executive officers, directors and their affiliates (related parties), of $1,893,793 and $1,516,175, respectively. In management’s opinion, such deposits were made in the ordinary course of business and were made on substantially the same terms as those prevailing at the time for comparable transactions with other persons.

At December 31, 2015, the scheduled maturities of time deposits are as follows:

2016
$ 16,197,851

2017
6,781,620

2018
1,640,662

2019
1,193,638

2020
1,668,727

Thereafter
29,692

Total
$ 27,512,191

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Federal Home Loan Bank Advances
12 Months Ended

Dec. 31, 2015

Borrowings

Federal Home Loan Bank Advances

Note 8:   Federal Home Loan Bank Advances

Federal Home Loan Bank advances totaled $8,000,000 and $10,000,000 at December 31, 2015 and 2014, respectively. Federal Home Loan Bank advances and line of credit are secured by mortgage loans totaling approximately $29.0 million and $35.3 million at December 31, 2015 and 2014, respectively. Advances, at interest rates from .67 percent to 1.79 percent were subject to restrictions or penalties in the event of prepayment as of December 31, 2015. The Bank has a $2.0 million line of credit with the Federal Home Loan Bank and a $2.0 million federal funds line with United Bankers Bank, none of which was outstanding at December 31, 2015.

Scheduled maturities on advances are as follows:

2016
$ 2,000,000

2017
2,000,000

2018
2,000,000

2019
2,000,000

Total
$ 8,000,000

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Income Taxes
12 Months Ended

Dec. 31, 2015

Income Tax Disclosure [Abstract]

Income Taxes

Note 9:   Income Taxes

The provision (credit) for income taxes includes these components:

2015

2014

Taxes currently payable
$ — $ —

Deferred income taxes
— —

Income tax expense (benefit)
$ — $ —

A reconciliation of income tax expense at the statutory rate to the Company’s actual income tax expense is shown below:

2015

2014

Computed at the statutory rate (34%)
$ 14,321 $ (277,533)

Increase (decrease) resulting from

Tax exempt interest
— —

Changes in the deferred tax asset valuation allowance
(21,238) 252,896

Other
6,917 24,637

Actual tax expense (benefit)
$ — $ —

The tax effects of temporary differences related to deferred taxes shown on the consolidated balance sheets were:

2015

2014

Deferred tax assets

Allowance for loan losses
$ 432,755 $ 48,592

Valuation of other real estate
1,673 1,729

Net operating loss carryforward
3,119,906 3,169,105

Charitable contribution carryforward
22,605 26,665

Unrealized loss on available-for-sale securities
4,862 5,698

Other
— 216,299

Total assets
3,581,801 3,468,088

Deferred tax liability

Depreciation
(170,778) (197,153)

Deferred loan fees
(8,941) (5,900)

FHLB stock dividends
(23,065) (36,742)

Other
(171,961) —

Total liabilities
(374,745) (239,795)

Net deferred tax asset before valuation allowance
3,207,056 3,228,293

Valuation allowance

Beginning balance
(3,228,293) (3,082,165)

Increase during the period
21,237 (146,128)

Ending balance
(3,207,056) (3,228,293)

Net deferred tax asset (liability)
$ — $ —

As of December 31, 2015, the Company has approximately $8.9 million of federal net operating loss carryforwards that begin expiring in 2029 and approximately $1.3 million of state net operating loss carryforwards that begin expiring in 2024.

Retained earnings at December 31, 2015 and 2014, include approximately $702,000 for which no deferred federal income tax liability has been recognized. These amounts represent an allocation of income to bad debt deductions for tax purposes only. Reduction of amounts so allocated for purposes other than tax bad debt losses or adjustments arising from carryback of net operating losses would create income for tax purposes only, which would be subject to the then-current corporate income tax rate.

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Regulatory Matters
12 Months Ended

Dec. 31, 2015

Regulatory Matters

Regulatory Matters

Note 10:   Regulatory Matters

The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Company’s assets, liabilities and certain off-balance-sheet items as calculated under U.S. GAAP, regulatory reporting requirements and regulatory capital standards. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Furthermore, the Company’s regulators could require adjustments to regulatory capital not reflected in these financial statements.

Quantitative measures established by regulatory capital standards to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below). Management believes, as of December 31, 2015 and 2014, that the Company meets all capital adequacy requirements to which it is subject.

As of December 31, 2015, the most recent notification from Office of Comptroller of the Currency categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum total risk-based, Tier I risk-based, Common equity Tier I, and Tier I leverage ratios as set forth in the table. The Common equity Tier I ratio became effective January 1, 2015. There are no conditions or events since that notification that management believes have changed the Bank’s category.

The Bank’s actual capital amounts and ratios are also presented in the following table.

Actual

Minimum Amount
Required for
Adequate Capital(2)

Minimum Amount
To Be Well
Capitalized(1)

Amount

Ratio

Amount

Ratio

Amount

Ratio

December 31, 2015

Total capital(1) (to risk-weighted assets)
$ 13,701 15.37% $ 7,133 8.00% $ 8,916 10.00%

Tier I capital(1) (to risk-weighted assets)
12,626 14.16 5,350 6.00 7,133 8.00

Common Equity Tier I capital(1) (to risk-weighted
assets)
12,630 14.16 4,012 4.50 5,795 6.50

Tier I capital(1) (to average assets)
12,630 9.42 5,364 4.00 6,705 5.00

December 31, 2014

Total capital(1) (to risk-weighted assets)
$ 13,188 17.87% $ 5,904 8.00% $ 7,380 10.00%

Tier I capital(1) (to risk-weighted assets)
12,264 16.62 2,952 4.00 4,428 6.00

Tier I capital(1) (to average assets)
12,264 10.03 4,893 4.00 6,116 5.00

(1)

As defined by regulatory agencies

Effective October 20, 2009, the Company entered into a formal consent agreement with its primary regulator (formerly the Office of Thrift Supervision who functions were transferred to the Office of the Comptroller of the Currency (OCC) on July 21, 2012). Effective February 2, 2013, the OCC terminated the consent order. On January 23, 2013, the Company received notice from the OCC that it was subject to certain individual minimum capital ratio requirements. Effective during the fourth quarter of 2014, the OCC cancelled the individual minimum capital ratio requirements.

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The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable. The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time.
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Employee Benefits
12 Months Ended

Dec. 31, 2015

Employee Benefits

Employee Benefits

Note 11:   Employee Benefits

The Company has a retirement savings 401(k) plan which covers all full-time employees who are age 21 or older and who have worked 1,000 hours and completed three months of service. Employees may contribute up to 25% of their compensation up to a maximum of $18,000 a year with the Company matching 50% of the employee’s contribution on the first 6% of the employee’s compensation. Employer contributions charged to expense for the years ended December 31, 2015 and 2014, were $62,948 and $59,645, respectively.

The Company participates in the Pentegra Defined Benefit Plan for Financial Institutions (Pentegra Plan), an industry-wide, tax-qualified defined-benefit pension plan. The Pentegra Plan’s Employer Identification Number is 13-5645888 and the Plan Number is 333. The Pentegra Plan operates as a multiemployer plan for accounting purposes and as a multiple employer plan under the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code. There are no collective bargaining agreements in place that require contributions to the Pentegra Plan. The Pentegra Plan is a single plan under Internal Revenue Code Section 413(c) and, as a result, all of the assets stand behind all of the liabilities.

The risks of participating in a multiemployer plan are different from a single-employer plan in the following aspects:

1.      Assets contributed to the multiemployer plan by one employer may be used to provide benefits to employees of other participating employers.

2.      If a participating employer stops contributing to the plan, the unfunded obligations of the plan may be borne by the remaining participating employers.

3.      If the Company chooses to stop participating in some of its multiemployer plans, the Company may be required to pay those plans an amount based on the underfunded status of the plan, referred to as a withdrawal liability.

The Company froze the benefits in the Pentegra Plan effective June 1, 2010. Full-time employees of the Company who had attained at least 21 years of age and completed one year of service were eligible to participate in the Pentegra Plan. In addition, employees who would have been eligible after June 1, 2010, are not eligible to participate. No further benefits will accrue subsequent to the freeze, and the freeze does not reduce the benefits accrued up to the date of the freeze.

Pension expense related to this plan was $140,729 and $142,715 for years ended December 31, 2015 and 2014.

Calculations to determine full-funding status are made annually by the third-party plan administrator as of June 30. At June 30, 2015 and 2014, the funding target, which is defined as the market value of plan assets divided by the plan liabilities, of the Company’s portion of the Pentegra Plan was 75.72% and 74.37%, respectively, funded.

Total contributions by all employer participants in the Pentegra Plan, as reported on Form 5500, totaled $190,751,615 and $136,477,565, respectively, for the plan years ended June 30, 2014 and 2013. The Company’s contributions to the Pentegra Plan totaled $152,078 and $133,156, respectively, for the years ended December 31, 2015 and 2014, respectively, and do not represent more than 5% of the total contributions made by all employer participants in the Pentegra Plan. There have been no significant changes that affect the comparability of 2015 and 2014 contributions. Given the current interest rate environment, the lower asset valuations, and other factors impacting the operations of the Pentegra Plan, it is likely that our future funding obligations could increase.

In connection with the conversion to an entity owned by stockholders, the Company established an Employee Stock Ownership Plan (ESOP) for the exclusive benefit of eligible employees (all salaried employees who have completed at least 1,000 hours of service in a consecutive twelve-month period and have attained the age of 21). The ESOP borrowed funds from the Company in an amount sufficient to purchase 53,431 shares (approximately 8% of the common stock issued in the stock offering). The loan is secured by the shares purchased and will be repaid by the ESOP with funds from contributions made by the Company and dividends received by the ESOP. Contributions will be applied to repay interest on the loan first, then the remainder will be applied to principal. The loan is expected to be repaid over a period of up to 25 years. Shares purchased with the loan proceeds are held in a suspense account for allocation among participants as the loan is repaid. Contributions to the ESOP and shares released from the suspense account are allocated among participants in proportion to their compensation, relative to total compensation of all active participants. Participants will vest in their accrued benefits under the employee stock ownership plan at the rate of 20 percent per year. Vesting is accelerated upon retirement, death or disability of the participant, or a change in control of the Association. Forfeitures will be reallocated to remaining plan participants. Benefits may be payable upon retirement, death, disability, separation from service, or termination of the ESOP.

The debt of the ESOP is eliminated in consolidation. Contributions to the ESOP shall be sufficient to pay principal and interest currently due under the loan agreement. As shares are committed to be released from collateral, the Company reports compensation expense equal to the average market price of the shares for the respective period, and the shares become outstanding for earnings per share computations. Dividends on unallocated ESOP shares, if any, are recorded as a reduction of debt and accrued interest. ESOP compensation expense was $24,004 and $22,193 the year ended December 31, 2015 and 2014.

A summary of ESOP shares are as of December 31 are as follows:

2015

2014

Released Shares
2,141 —

Shares committed for release
2,137 2,186

Unreleased shares
49,153 51,245

Total
53,431 53,431

Fair value of unreleased shares
$ 675,854 $ 520,137

In the event the ESOP is unable to satisfy the obligation to repurchase the shares held by each beneficiary upon the beneficiary’s termination or retirement, the Company is obligated to repurchase the shares. At December 31, 2015, the fair value of these shares is $29,384. In addition, there are 181 outstanding shares held by former employees that are subject to an ESOP related repurchase option.

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Disclosures About Fair Value of Assets and Liabilities
12 Months Ended

Dec. 31, 2015

Disclosures About Fair Value of Assets and Liabilities

Disclosures About Fair Value of Assets and Liabilities

Note 12:   Disclosures About Fair Value of Assets and Liabilities

Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value measurements must maximize the use of observable inputs and minimize the use of unobservable inputs. There is a hierarchy of three levels of inputs that may be used to measure fair value:

Level 1   Quoted prices in active markets for identical assets or liabilities

Level 2   Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities

Level 3   Unobservable inputs supported by little or no market activity and are significant to the fair value of the assets or liabilities

Recurring Measurements

The following table presents the fair value measurements of assets recognized in the accompanying consolidated balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2015 and 2014:

December 31, 2015
Fair Value Measurements Using

Assets

Fair Value

Quoted Prices in
Active Markets for
Identical Assets
(Level 1)

Significant
Other
Observable
Inputs
(Level 2)

Significant
Unobservable
Inputs
(Level 3)

Available-for-sale securities:

U.S. Government and federal agency
$ 5,924,942 $ — $ 5,924,942 $ —

State and political subdivisions
2,558,886 — 2,558,886 —

Mortgage-backed – GSE residential
2,570,256 — 2,570,256 —

Collateralized mortgage obligations – GSE
659,654 — 659,654 —

Mortgage servicing rights
83,176 — — 83,176

December 31, 2014
Fair Value Measurements Using

Assets

Fair
Value

Quoted Prices in
Active Markets for
Identical Assets
(Level 1)

Significant
Other
Observable
Inputs
(Level 2)

Significant
Unobservable
Inputs
(Level 3)

Available-for-sale securities:

U.S. Government and federal agency
$ 4,939,830 $ — $ 4,939,830 $ —

State and political subdivisions
3,361,085 — 3,361,085 —

Mortgage-backed – GSE residential
3,384,002 — 3,384,002 —

Collateralized mortgage obligations – GSE
1,033,148 — 1,033,148 —

Mortgage servicing rights
114,193 — — 114,193

Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a recurring basis and recognized in the accompanying consolidated balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy. There have been no significant changes in the valuation techniques during the years ended December 31, 2015 and 2014. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below.

Available-for-Sale Securities

Where quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. If quoted market prices are not available, then fair values are estimated by using quoted prices of securities with similar characteristics or independent asset pricing services and pricing models, the inputs of which are market-based or independently sourced market parameters, including, but not limited to, yield curves, interest rates, volatilities, prepayments, defaults, cumulative loss projections and cash flows. Such securities are classified in Level 2 of the valuation hierarchy including U.S. Government and federal agencies, state and political subdivisions, mortgage-backed securities GSE, and collateralized mortgage obligations GSE. In certain cases where Level 1 or Level 2 inputs are not available, securities are classified within Level 3 of the hierarchy. The Company has no securities classified as Level 3.

Mortgage Servicing Rights

Mortgage servicing rights do not trade in an active, open market with readily observable prices. Accordingly, fair value is estimated using discounted cash flow models having significant inputs of discount rate, prepayment speed and default rate. Due to the nature of the valuation inputs, mortgage servicing rights are classified within Level 3 of the hierarchy.

Mortgage servicing rights are tested for impairment on a quarterly basis. The Chief Financial Officer’s (CFO) office contracts with a pricing specialist to generate fair value estimates on at least an annual basis. The CFO’s office challenges the reasonableness of the assumptions used and reviews the methodology to ensure the estimated fair value complies with accounting standards generally accepted in the United States.

Level 3 Reconciliation

The following is a reconciliation of the beginning and ending balances of recurring fair value measurements recognized in the accompanying balance sheets using significant unobservable (Level 3) inputs:

2015

2014

Balance, beginning of year
$ 114,193 $ 148,171

Total changes in fair value included in earnings
(31,017) (33,978)

Balance, end of year
$ 83,176 $ 114,193

Nonrecurring Measurements

The following table presents the fair value measurement of assets and liabilities measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2015 and 2014:

Fair Value Measurements Using

Assets

Fair Value

Quoted Prices in
Active Markets for
Identical Assets
(Level 1)

Significant
Other
Observable
Inputs
(Level 2)

Significant
Unobservable
Inputs
(Level 3)

December 31, 2015

Other real estate owned
$ 202,100 $ — $ — $ 202,100

Collateral-dependent impaired loans, Net of ALLL
1,274,372 — — 1,274,372

December 31, 2014

Other real estate owned
$ 190,000 $ — $ — $ 190,000

Collateral-dependent impaired loans Net of ALLL
1,441,487 — — 1,441,487

Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a nonrecurring basis and recognized in the accompanying consolidated balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below.

Other Real Estate Owned

Other real estate owned (OREO) is carried at the lower of fair value at acquisition date or current estimated fair value, less estimated cost to sell when the real estate is acquired. Estimated fair value of OREO is based on appraisals or evaluations. OREO is classified within Level 3 of the fair value hierarchy.

Appraisals of OREO are obtained when the real estate is acquired and subsequently as deemed necessary by the CFO’s office. Appraisals are reviewed for accuracy and consistency by the CFO’s office. Appraisers are selected from the list of approved appraisers maintained by management.

Collateral-Dependent Impaired Loans, Net of ALLL

The estimated fair value of collateral-dependent impaired loans is based on the appraised fair value of the collateral, less estimated cost to sell. Collateral-dependent impaired loans are classified within Level 3 of the fair value hierarchy.

The Company considers the appraisal or evaluation as the starting point for determining fair value and then considers other factors and events in the environment that may affect the fair value.

Appraisals of the collateral underlying collateral-dependent loans are obtained when the loan is determined to be collateral-dependent and subsequently as deemed necessary by the CFO’s office. Appraisals are reviewed for accuracy and consistency by the CFO’s office. Appraisers are selected from the list of approved appraisers maintained by management. The appraised values are reduced by discounts to consider lack of marketability and estimated cost to sell if repayment or satisfaction of the loan is dependent on the sale of the collateral. These discounts and estimates are developed by the CFO’s office by comparison to historical results.

Unobservable (Level 3) Inputs:

The following tables present quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements other than goodwill.

Fair Value

Valuation
Technique

Unobservable Inputs

Weighted
Average

At December 31, 2015:

Other real estate owned
$ 202,100
Market
comparable
properties

Comparability
adjustment (%)

Not available

Collateral-dependent impaired loans, net of
ALLL


1,274,372

Market
comparable
properties


Marketability
discount


10% – 15% (11.4%)

Mortgage servicing rights
83,176
Discounted
cash flow

Constant
prepayment rate

8.8% – 16% (11.9%)

Probability
of default

1% – 8% (2.9%)

Discount rate

5.6% – 12.0% (10.4%)

At December 31, 2014:

Other real estate owned
$ 190,000
Market
comparable
properties

Comparability
adjustment (%)

Not available

Collateral-dependent impaired loans, net of
ALLL


1,441,487

Market
comparable
properties


Marketability
discount


10% – 15% (12%)

Mortgage servicing rights
114,193
Discounted
cash flow

Constant
prepayment rate

8.5% – 16% (11.2%)

Probability
of default

1% – 8% (2.1%)

Discount rate

7.6% – 13.0% (10.4%)

Fair Value of Financial Instruments

The following tables present estimated fair values of the Company’s financial instruments and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2015 and 2014.

Fair Value Measurements Using

Carrying
Amount

Quoted Prices in
Active Markets for
Identical Assets
(Level 1)

Significant
Other
Observable
Inputs
(Level 2)

Significant
Unobservable
Inputs
(Level 3)

At December 31, 2015:

Financial assets:

Cash and cash equivalents
$ 10,906,893 $ 10,906,893 $ — $ —

FHLB Stock
686,200 — 686,200 —

Loans, net of allowance for loan
losses
106,955,455 — — 107,347,000

Accrued interest receivable
314,174 — 314,174 —

Mortgage servicing rights
325,539 — — 612,290

Financial liabilities:

Deposits
113,330,856 13,940,853 99,414,003 —

Federal Home Loan Bank advances
8,000,000 8,063,000

Accrued interest payable
6,137 — 6,137 —

Fair Value Measurements Using

Carrying
Amount

Quoted Prices in
Active Markets for
Identical Assets
(Level 1)

Significant
Other
Observable
Inputs
(Level 2)

Significant
Unobservable
Inputs
(Level 3)

At December 31, 2014:

Financial assets:

Cash and cash equivalents
$ 13,444,597 $ 13,444,597 $ — $ —

FHLB Stock
1,078,900 — 1,078,900 —

Loans held for sale
48,300 — 48,300

Loans, net of allowance for loan losses
89,479,525 — — 89,756,000

Accrued interest receivable
302,777 — 302,777 —

Mortgage servicing rights
317,912 — — 526,647

Financial liabilities:

Deposits
98,493,112 11,730,674 86,842,438 —

Federal Home Loan Bank advances
10,000,000 — 10,098,000 —

Accrued interest payable
6,256 — 6,256 —

The following methods were used to estimate the fair value of all other financial instruments recognized in the accompanying consolidated balance sheets at amounts other than fair value.

Cash and Cash Equivalents

The carrying amount approximates fair value.

Loans Held For Sale

The carrying amount approximates fair value due to the insignificant time between origination and date of sale. The carrying amount is the amount funded and accrued interest.

Loans, Net of Allowance for Loan Losses

Fair value is estimated by discounting the future cash flows using the market rates at which similar notes would be made to borrowers with similar credit ratings and for the same remaining maturities. The market rates used are based on current rates the Banks would impose for similar loans and reflect a market participant assumption about risks associated with nonperformance, illiquidity, and the structure and term of the loans along with local economic and market conditions.

Accrued Interest Receivable and Payable

The carrying amount approximates fair value. The carrying amount is determined using the interest rate, balance and last payment date.

Deposits

Fair value of term deposits is estimated by discounting the future cash flows using rates of similar deposits with similar maturities. The market rates used were obtained from a knowledgeable independent third party and reviewed by the Company. The rates were the average of current rates offered by local competitors of the Company.

The estimated fair value of demand, savings and money market deposits is the book value since rates are regularly adjusted to market rates and amounts are payable on demand at the reporting date.

Federal Home Loan Bank Advances

Fair value is estimated by discounting the future cash flows using rates of similar advances with similar maturities. These rates were obtained from current rates offered by the FHLB.

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Significant Estimates and Concentrations
12 Months Ended

Dec. 31, 2015

Significant Estimates and Concentrations

Significant Estimates and Concentrations

Note 13:   Significant Estimates and Concentrations

Accounting principles generally accepted in the United States of America require disclosure of certain significant estimates and current vulnerabilities due to certain concentrations. Estimates related to the allowance for loan losses are reflected in the footnote regarding loans. Current vulnerabilities due to certain concentrations of credit risk are discussed in the footnote on commitments and credit risk. Significant estimates associated with financial instruments are discussed in the footnote on fair value of financial instruments.

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Commitments and Credit Risk
12 Months Ended

Dec. 31, 2015

Commitments and Credit Risk

Commitments and Credit Risk

Note 14:   Commitments and Credit Risk

The Company maintains off-balance sheet investments in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. Loan 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. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements.

The instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized, if any, in the balance sheet. The Company’s maximum exposure to loan loss in the event of nonperformance by the other party to the financial instruments for commitments to extend credit and standby letters of credit is represented by the face amount of these instruments. Commitments to extend credit are recorded when they are funded and standby letters of credit are carried at fair value.

The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments. Collateral, such as accounts receivable, securities, inventory, property and equipment, is generally obtained based on management’s credit assessment of the borrower.

Fair value of the Company’s off-balance-sheet instruments (commitments to extend credit and standby letters of credit) is based on rates currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties’ credit standing. At December 31, 2015 and 2014, the rates on existing off-balance-sheet instruments were equivalent to current market rates, considering the underlying credit standing of the counterparties.

Loan commitments and standby letters of credit outstanding as December 31, 2015 and 2014, were as follows:

2015

2014

Commitments to extend credit – variable rate
$ 15,520,785 $ 14,687,657

Commitments to extend credit – fixed rate
3,372,791 5,402,290

Standby letters of credit
80,000 10,000

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Recent Accounting Pronouncements
12 Months Ended

Dec. 31, 2015

Recent Accounting Pronouncements

Recent Accounting Pronouncements

Note 15:   Recent Accounting Pronouncements

In May 2014, the FASB issued ASU2014-09, “Revenue from contracts with Customers” (Topic 606) ASU 2014-09 supersedes the revenue recognition requirements in ASC 605, Revenue Recognition, and is based on the principle that revenue is recognized to depict the transfer of goods or services to customers in an amount that reflects consideration to which the entity expects to be entitled in exchange for those goods and services. The ASU also requires additional disclosure about the nature, amount, timing and uncertainty of revenue and cash flows arising from customer contracts, including significant judgments and changes in judgments and assets recognized from costs incurred to obtain or fulfill a contract. This guidance is effective prospectively for the Company for annual and interim periods beginning after December 15, 2017. The Company is currently evaluating the effect the guidance will have on the Company’s consolidated financial statements.

In April 2015, the Financial Accounting Standards Board (FASB) issued ASU2015-03 “Interest-imputation of interest” (Subtopic 835-30) simplifies the presentation of debt issuance costs by requiring that debt issuance costs be presented in the balance sheet as a direct deduction from the carrying amount of debt liability, consistent with debt discounts or premiums. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this update. This update will be effective for interim and annual periods beginning after December 15, 2015, and is to be applied retrospectively. The adoption of this guidance is not expected to have a significant effect on the Company’s consolidated financial statements.

In September 2015, the FASB issued ASU 2015-16, “Business Combinations: Simplifying the Accounting for Measurement — Period Adjustments (Topic 805)”. The amendments clarify that an acquirer recognizes adjustments to provisional amounts that are identified during the measurement period in the reporting period in which the adjustment amounts are determined. The acquirer needs to record, in the same period’s financial statements, the effect of changes in depreciation, amortization, or other income as a result of the change to the provisional amounts as if the accounting had been completed at the acquisition date. This amendment requires an entity to present separately on the face of the income statement or disclose in the notes the portion of the amount recorded in current period earnings by line item as if the provisional adjustments had been recognized as of the acquisition date. This guidance is effective for annual and interim periods beginning after December 15, 2015. The adoption of the guidance is not expected to have a significant effect on the Company’s consolidated financial statements.

In January 2016, the FASB issued ASU 2016-1, “Financial Instruments — Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities”. This guidance addresses certain aspects of recognition, measurement, presentation and disclosure of financial instruments. The primary focus of this guidance is to supersede the guidance to classify equity securities with readily determinable fair values into different categories (trading or available-for-sale) and requires equity securities to be measured at fair value with changes in the fair value recognized through net income. This guidance requires adoption through a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption. This ASU is effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. Early adoption is permitted for all companies in any interim or annual period. The Company is currently evaluating the effect the guidance will have on the Company’s consolidated financial statements.

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Earnings (Loss) Per Share
12 Months Ended

Dec. 31, 2015

Earnings Per Share [Abstract]

Earnings (Loss) Per Share

Note 16:   Earnings (Loss) Per Share

Earnings (loss) per share amount is based on the weighted average number of shares outstanding for the period and the net loss applicable to common stockholders. ESOP shares are excluded from shares outstanding until they have been committed to be released.

December 31, 2015

December 31, 2014

Net Income (Loss)
$ 42,138 $ (816,273)

Shares outstanding for basic EPS:

Average shares outstanding
667,898 640,450

Less: Average unearned ESOP shares
50,309 50,245

617,589 590,205

Additional dilutive shares
— —

Shares outstanding for basic and diluted EPS
617,589 590,205

Basic and diluted income (loss) per share
$ 0.07 $ (1.38)

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Condensed Financial Information (Parent Company Only)
12 Months Ended

Dec. 31, 2015

Condensed Financial Information of Parent Company Only Disclosure [Abstract]

Condensed Financial Information (Parent Company Only)

Note 17:   Condensed Financial Information (Parent Company Only)

Presented below is condenses financial information as to the financial position, results of operations and cash flows of the company:

Condensed Balance Sheet

2015

2014

Assets

Cash and due from banks
$ 733,318 $ 1,059,374

Investment in bank
12,615,381 12,247,581

Other assets
28,177 —

Total assets
$ 13,376,876 $ 13,306,955

Liabilities

Other
4,814 3,495

4,814 3,495

Temporary Equity

ESOP shares subject to mandatory redemption
46,197 22,193

Stockholders’ Equity
13,325,865 13,281,267

Total liability and stockholders’ equity
$ 13,376,876 $ 13,306,955

Condensed Statement of Operations and Comprehensive Loss

2015

2014

Income

Other income
$ 7,071 $ 9,349

Expense

Other expenses
330,273 165,776

Loss Before Income Tax and Equity in Undistributed Income of Subsidiary
(323,202) (156,427)

Income Tax Benefit
— —

Loss Before Equity in Undistributed Income (Loss) of Subsidiary
(323,202) (156,427)

Equity in Undistributed Income (Loss) of Subsidiary
365,340 (659,846)

Net Income (Loss)
$ 42,138 $ (816,273)

Comprehensive Income (Loss)
$ 44,598 $ (697,777)

Condensed Statement of Cash Flows

2015

2014

Operating Activities

Net income (loss)
$ 42,138 $ (816,273)

Items not requiring (providing) cash

Equity in undistributed (income) loss of subsidiary
(365,340) 659,846

Compensation expense on allocated ESOP shares
24,004 22,193

Change in other assets
(28,177) —

Change in other liabilities
1,319 3,495

Net cash used in operating activities
(326,056) (130,739)

Investing Activities

Investment in Bank
— (3,500,000)

Financing Activities

Net proceeds from stock conversion
— 4,690,113

Net Change in Cash and Due From Banks
(326,056) 1,059,374

Cash and Due From Banks at Beginning of Year
1,059,374 —

Cash and Due From Banks at End of Year
$ 733,318 $ 1,059,374

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Plan of Conversion and Change in Corporate Form
12 Months Ended

Dec. 31, 2015

Plan of Conversion and Change in Corporate Form

Plan of Conversion and Change in Corporate Form

Note 18:   Plan of Conversion and Change in Corporate Form

On January 16, 2014, the Bank converted into a stock savings bank structure with the establishment of a stock holding company, Edgewater Bancorp, Inc. (Company), as parent of the Bank. The Bank converted to the stock form of ownership, followed by the issuance of all of the Bank’s outstanding stock to the Company. A total of 667,898 shares of the Company were issued at $10.00 per share for total gross offering proceeds of $6,678,980. In addition, the Banks’s Board of Directors adopted an employee stock ownership plan (ESOP) which subscribed for 8% of the common stock sold in the offering, for a total of $534,310. The Company is incorporated under the laws of the State of Maryland and owns all of the outstanding common stock of the Company.

The conversion costs of issuing the common stock, approximately $1,455,000, were deducted from the sales proceeds of the offering.

In accordance with federal regulations, at the time of the conversion, the Company established a parallel liquidation account. The liquidation account will be maintained for the benefit of eligible account holders who continue to maintain their accounts at the Bank after conversion. The liquidation account will be reduced annually to the extent that eligible account holders have reduced their qualifying deposits. Subsequent increases will not restore an eligible account holder’s interest in the liquidation account. In the event of a complete liquidation of the Bank, and only in such event, each eligible account holder will be entitled to receive a distribution from the liquidation account in an amount proportionate to the adjusted qualifying account balances then held. The Bank may not pay dividends if those dividends would reduce equity capital below the required liquidation account amount. The conversion was accounted for as a change in corporate form with the historic basis of the Company’s assets, liabilities and equity unchanged as a result.

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Nature of Operations and Summary of Significant Accounting Policies (Policies)
12 Months Ended

Dec. 31, 2015

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Principles of Consolidation

Principles of Consolidation

The consolidated financial statements include the accounts of the Company and its subsidiary. All significant intercompany accounts and transactions have been eliminated in consolidation.

Use of Estimates

Use of Estimates

The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America 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 date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.

Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses and fair values of financial instruments.

Cash and Cash Equivalents

Cash and Cash Equivalents

The Company considers all liquid investments with original maturities of three months or less to be cash equivalents. At December 31, 2015 and 2014, the Company had no cash equivalents.

At December 31, 2015, none of the Company’s cash accounts at nonfederal government or governmental related entities exceeded federally insured limits, which is $250,000 per covered institution.

Securities

Securities

Certain debt securities that management has the positive intent and ability to hold to maturity are classified as “held to maturity” and recorded at amortized cost. Securities not classified as held to maturity, including equity securities with readily determinable fair values, are classified as “available-for-sale” and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method.

For debt securities with fair value below amortized cost when the Company does not intend to sell a debt security, and it is more likely than not the Company will not have to sell the security before recovery of its cost basis, it recognizes the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income. For held-to-maturity debt securities, the amount of an other-than-temporary impairment recorded in other comprehensive income for the noncredit portion of a previous other-than-temporary impairment is amortized prospectively over the remaining life of the security on the basis of the timing of future estimated cash flows of the security.

Federal Home Loan Bank Stock

Federal Home Loan Bank Stock

Federal Home Loan Bank stock is a required investment for institutions that are members of the Federal Home Loan Bank system. The required investment in the common stock is based on a predetermined formula, carried at cost and evaluated for impairment.

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 fair value in the aggregate. Net unrealized losses, if any, are recognized through a valuation allowance by charges to noninterest income. Gains and losses on loan sales are recorded in noninterest income, and direct loan origination costs and fees are deferred at origination of the loan and are recognized in noninterest income upon sale of the loan.

Loans

Loans

Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoffs are reported at their outstanding principal balances adjusted for unearned income, charge-offs, the allowance for loan losses, any unamortized deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans.

For loans amortized at cost, interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, as well as premiums and discounts, are deferred and amortized as a level yield adjustment over the respective term of the loan.

The accrual of interest on loans is discontinued at the time the loan is 90 days past due unless the credit is well-secured and in process of collection. Past-due status is based on contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful. There were no changed in the Company’s nonaccrual policy during the years ended December 31, 2015 and 2014.

All interest accrued but not collected for loans that are placed on nonaccrual or charged off are reversed against interest income. The interest on these loans is applied to the principal balance until the loan can be returned to an accrual status. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.

For all loan portfolio segments, the Company promptly charges off loans, or portions thereof, when available information confirms that specific loans are uncollectible based on information that includes, but is not limited to, (1) the deteriorating financial condition of the borrower, (2) declining collateral values, and/or (3) legal action, including bankruptcy, that impairs the borrower’s ability to adequately meet its obligations. For impaired loans that are considered to be solely collateral dependent, a partial charge-off is recorded when a loss has been confirmed by an updated appraisal or other appropriate valuation of the collateral.

When cash payments are received on impaired loans in each loan class, the Company records the payment as interest income unless collection of the remaining recorded principal amount is doubtful, at which time payments are used to reduce the principal balance of the loan. Troubled debt restructured loans recognize interest income on an accrual basis at the renegotiated rate if the loan is in compliance with the modified terms.

Allowance for Loan Losses

Allowance for Loan Losses

The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to income. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance.

The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.

The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired. For those loans that are 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. The general component covers nonclassified loans and is based on historical charge-off experience and expected loss given default derived from the Company’s internal risk rating process. Other adjustments may be made to the allowance for pools of loans after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss or risk rating data.

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

Groups of loans with similar risk characteristics are collectively evaluated for impairment based on the group’s historical loss experience adjusted for changes in trends, conditions and other relevant factors that affect repayment of the loans. Accordingly, the Company does not separately identify individual consumer and residential loans for impairment measurements, unless such loans are the subject of a restructuring agreement due to financial difficulties of the borrower.

In the course of working with borrowers, the Company may choose to restructure the contractual terms of certain loans. In restructuring the loan, the Company attempts to work out an alternative payment schedule with the borrower in order to optimize collectability of the loan. A troubled debt restructuring (TDR) occurs when, for economic or legal reasons related to a borrower’s financial difficulties, the Company grants a concession to the borrower that it would not otherwise consider. Terms may be modified to fit the ability of the borrower to repay in line with its current financial status, and the restructuring of the loan may include the transfer of assets from the borrower to satisfy the debt, a modification of loan terms, or a combination of the two.

Nonaccrual loans, including TDRs that have not met the six month minimum performance criterion, are reported in this report as non-performing loans. For all loan classes, it is the Company’s policy to have any restructured loans which are on nonaccrual status prior to being restructured remain on nonaccrual status until six months of satisfactory borrower performance, at which time management would consider its return to accrual status. A loan is generally classified as nonaccrual when the Company believes that receipt of principal and interest is questionable under the terms of the loan agreement. Most generally, this is at 90 or more days past due.

With regard to determination of the amount of the allowance for credit losses, restructured loans are considered to be impaired. As a result, the determination of the amount of impaired loans for each portfolio segment within troubled debt restructurings is the same as detailed previously above.

Premises and Equipment

Premises and Equipment

Depreciable assets are stated at cost less accumulated depreciation. Depreciation is charged to expense using the straight-line method over the estimated useful lives of the assets.

The estimated useful lives for premises and equipment are as follows:

Buildings 39 years

Building and land improvements 10 years

Furniture, fixtures and equipment 3 – 7 years

Other Real Estate

Other Real Estate, Net

Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in net income or expense from other real estate.

Mortgage Servicing Rights

Mortgage Servicing Rights

Mortgage servicing assets are recognized separately when rights are acquired through purchase or through sale of financial assets. Under the servicing assets and liabilities accounting guidance (ASC 860-50), servicing rights resulting from the sale or securitization of loans originated by the Company are initially measured at fair value at the date of transfer. The Company subsequently measures each class of servicing asset using either the fair value or the amortization method. Under the fair value method, which is used for mortgage servicing rights originated prior to 2011, the servicing rights are carried in the balance sheet at fair value and the changes in fair value are reported in earnings in the period in which the changes occur. Beginning in 2011, servicing rights derived from the sale of originated mortgage loans are measured using the amortization method. Under the amortization method, servicing rights are amortized in proportion to and over the period of estimated net servicing income. The amortized assets are assessed for impairment or increased obligation based on fair value at each reporting date.

Fair value is based on market prices for comparable mortgage servicing contracts, when available, or alternatively, is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. These variables change from quarter to quarter as market conditions and projected interest rates change, and may have an adverse impact on the value of the mortgage servicing right and may result in a reduction to noninterest income.

Each class of separately recognized servicing assets subsequently measured using the amortization method are evaluated and measured for impairment. Impairment is determined by stratifying rights into tranches based on predominant characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual tranche, to the extent that fair value is less than the carrying amount of the servicing assets for that tranche. The valuation allowance is adjusted to reflect changes in the measurement of impairment after the initial measurement of impairment. Changes in valuation allowances, if any, are reported with mortgage banking activities on the statements of operations. Fair value in excess of the carrying amount of servicing assets for that stratum is not recognized.

Servicing fee income is recorded for fees earned for servicing loans. The fees are based on a contractual percentage of the outstanding principal or a fixed amount per loan and are recorded as income when earned. The amortization of mortgage servicing rights and servicing fee income are included with mortgage banking activities on the statements of operations.

Off-Balance Sheet Instruments

Off-Balance Sheet Instruments

In the ordinary course of business, the Company has entered into commitments under commercial letters of credit and standby letters of credit. Such financial instruments are recorded when they are funded.

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 (1) the assets have been isolated from the Company — put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership, (2) 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 (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets.

Income Taxes

Income Taxes

The Company accounts for income taxes in accordance with income tax accounting guidance (ASC 740, Income Taxes). The income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax bases of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized.

Tax positions are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50%; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50% likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances and information available at the reporting date and is subject to management’s judgment. With a few exceptions, the Company is no longer subject to U.S. federal, state and local or non-U.S. income tax examinations by tax authorities for years before 2012.

The Company recognizes interest and penalties, if any, on income taxes as a component of income tax expense.

The Company files consolidated income tax returns with its subsidiary.

Comprehensive Loss

Comprehensive Income (Loss)

Comprehensive income (loss) consists of net other comprehensive income, net of applicable loss taxes. Other comprehensive income includes unrealized appreciation on available-for-sale securities.

X

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Nature of Operations and Summary of Significant Accounting Policies (Tables)
12 Months Ended

Dec. 31, 2015

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Schedule of estimated useful lives for premises and equipment

Buildings 39 years

Building and land improvements 10 years

Furniture, fixtures and equipment 3 – 7 years

X

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Securities (Tables)
12 Months Ended

Dec. 31, 2015

Securities

Schedule of the amortized cost and approximate fair values, together with gross unrealized gains and losses, of securities

2015

Amortized
Cost

Gross
Unrealized
Gains

Gross
Unrealized
Losses

Fair Value

Available-for-sale securities:

U.S. Government and federal agency
$ 5,952,239 $ 925 $ 28,222 $ 5,924,942

State and political subdivisions
2,555,544 8,357 5,015 2,558,886

Mortgage-backed – Government-Sponsored Enterprise (GSE)-residential
2,566,762 14,222 10,728 2,570,256

Collateralized mortgage obligations – GSE
653,493 6,161 — 659,654

Total available-for-sale securities
$ 11,728,038 $ 29,665 $ 43,965 $ 11,713,738

2014

Amortized
Cost

Gross
Unrealized
Gains

Gross
Unrealized
Losses

Fair
Value

Available-for-sale securities:

U.S. Government and federal agency
$ 5,002,617 $ 3,230 $ 66,017 $ 4,939,830

State and political subdivisions
3,354,828 20,436 14,179 3,361,085

Mortgage-backed – Government-Sponsored Enterprise (GSE)-residential
3,357,163 32,790 5,951 3,384,002

Collateralized mortgage obligations – GSE
1,020,217 12,931 — 1,033,148

Total available-for-sale securities
$ 12,734,825 $ 69,387 $ 86,147 $ 12,718,065

Schedule of the amortized cost and fair value of available-for-sale securities by contractual maturity

December 31, 2015

Amortized
Cost

Fair
Value

Within one year
$ 1,000,596 $ 1,004,319

After one through five years
7,507,187 7,479,509

8,507,783 8,483,828

Mortgage-backed – GSE residential
2,566,762 2,570,256

Collateralized mortgage obligations – GSE
653,493 659,654

$ 11,728,038 $ 11,713,738

Schedule of the Company's investments' gross unrealized losses and fair value of the Company's investments with unrealized losses that are not deemed to be other-than-temporarily impaired, aggregated by investment class and length of time that individual securities have been in a continuous unrealized loss position

2015

Less than 12 Months

12 Months or Longer

Total

Fair
Value

Gross
Unrealized
Losses

Fair
Value

Gross
Unrealized
Losses

Fair
Value

Gross
Unrealized
Losses

Available-for-sale securities:

U.S. Government and federal
agency
$ 3,524,074 $ 19,656 $ 990,379 $ 8,566 $ 4,514,453 $ 28,222

State and political subdivisions
— — 494,985 5,015 494,985 5,015

Mortgage-backed – GSE residential residential
1,602,805 10,728 — — 1,602,805 10,728

$ 5,126,879 $ 30,384 $ 1,485,364 $ 13,581 $ 6,612,243 $ 43,965

2014

Less than 12 Months

12 Months or Longer

Total

Fair
Value

Gross
Unrealized
Losses

Fair
Value

Gross
Unrealized
Losses

Fair
Value

Gross
Unrealized
Losses

Available-for-sale securities:

U.S. Government and federal
agency
$ — $ — $ 3,492,139 $ 66,017 $ 3,492,139 $ 66,017

State and political subdivisions
804,572 2,604 488,425 11,575 1,292,997 14,179

Mortgage-backed – GSE-residential

Collateralized mortgage obligations – GSE
1,281,645 5,951 — — 1,281,645 5,951

$ 2,086,217 $ 8,555 $ 3,980,564 $ 77,592 $ 6,066,781 $ 86,147

X

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Loans and Allowance for Loan Losses (Tables)
12 Months Ended

Dec. 31, 2015

Receivables [Abstract]

Schedule of classes of loans

2015

2014

Real estate loans:

Residential 1 – 4 family
$ 45,402,431 $ 45,353,599

Commercial Real Estate
32,374,013 27,908,662

Construction and land development
1,975,842 1,523,281

Total real estate
79,752,286 74,785,542

Commercial and industrial
8,147,480 5,536,805

Warehouse line
10,000,000 —

Consumer loans:

Home equity loans and lines of credit
9,003,016 9,331,608

Other consumer loans
1,101,856 883,864

Total consumer
10,104,872 10,215,472

Gross loans
108,004,638 90,537,819

Net deferred loan costs
(26,191) (17,057)

Allowance for loan losses
1,075,374 1,075,351

Net loans
$ 106,955,455 $ 89,479,525

Schedule of activity in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method

2015

Residential
1 – 4 Family

Commercial
Real Estate

Commercial
and Industrial

Warehouse
Line

Consumer

Total

Allowance for loan losses

Balance, beginning of period
$ 222,618 $ 503,621 $ 248,388 $ — $ 100,724 $ 1,075,351

Provision (credit) for loan
losses
101,517 59,817 (179,051) 60,787 21,930 65,000

Loans charged to the allowance
(570) (62,015) — — (18,657) (81,242)

Recoveries of loans previously charged off
13,665 2,600 — — — 16,265

Balance, end of year
$ 337,230 $ 504,023 $ 69,337 $ 60,787 $ 103,997 $ 1,075,374

Ending balance: individually evaluated for impairment
$ 13,969 $ 302 $ — $ — $ 372 $ 14,643

Ending balance: collectively evaluated for impairment
$ 323,261 $ 503,721 $ 69,337 $ 60,787 $ 103,625 $ 1,060,731

Loans:

Ending balance
$ 45,402,431 $ 34,349,855 $ 8,147,480 $ 10,000,000 $ 10,104,872 $ 108,004,638

Ending balance individually evaluated for impairment
$ 2,051,278 $ 315,658 $ — $ — $ 122,809 $ 2,489,745

Ending balance collectively evaluated for impairment
$ 43,351,153 $ 34,034,197 $ 8,147,480 $ 10,000,000 $ 9,982,063 $ 105,514,893

2014

Residential
1 – 4 Family

Commercial
Real Estate

Commercial
and Industrial

Warehouse
Line

Consumer

Total

Allowance for loan losses

Balance, beginning of period
$ 188,325 $ 587,331 $ 138,268 $ — $ 147,217 $ 1,061,141

Provision (credit) for loan
losses
58,217 (174,664) 110,120 — 6,327 —

Loans charged to the allowance
(27,134) — — — (73,220) (100,354)

Recoveries of loans previously charged off
3,210 90,954 — — 20,400 114,564

Balance, end of year
$ 222,618 $ 503,621 $ 248,388 $ — $ 100,724 $ 1,075,351

Ending balance: individually evaluated for impairment
$ 16,325 $ 644 $ — $ — $ 533 $ 17,502

Ending balance: collectively evaluated for impairment
$ 206,293 $ 502,977 $ 248,388 $ — $ 100,191 $ 1,057,849

Loans:

Ending balance
$ 45,353,599 $ 29,431,943 $ 5,536,805 $ — $ 10,215,472 $ 90,537,819

Ending balance individually evaluated for impairment
$ 2,727,712 $ 1,356,103 $ — $ — $ 152,879 $ 4,236,694

Ending balance collectively evaluated for impairment
$ 42,625,887 $ 28,075,840 $ 5,536,805 $ — $ 10,062,593 $ 86,301,125

Schedule of credit risk profile of the Bank's loan portfolio based on internal rating category and payment activity

2015

Residential
1 – 4 Family

Commercial
Real Estate

Construction
and Land

Commercial
and Industrial

Warehouse
Line

Home
Equity

Other
Consumer

Total

Pass(1 – 5)
$ 44,838,588 $ 30,037,894 $ 1,966,182 $ 8,147,480 $ 10,000,000 $ 9,003,016 $ 1,101,856 $ 105,095,016

Special Mention(6)
— 1,553,936 — — — — — 1,553,936

Substandard(7) 563,843 782,183 9,660 — — — — 1,355,686

Doubtful(8) — — — — — — — —

Loss(9) — — — — — — — —

Total
$ 45,402,431 $ 32,374,013 $ 1,975,842 $ 8,147,480 $ 10,000,000 $ 9,003,016 $ 1,101,856 $ 108,004,638

2014

Residential
1 – 4 Family

Commercial
Real Estate

Construction
and Land

Commercial
and Industrial

Warehouse
Line

Home
Equity

Other
Consumer

Total

Pass(1 – 5)
$ 44,618,696 $ 25,726,754 $ 1,344,107 $ 5,536,805 $ — $ 9,321,255 $ 883,864 $ 87,431,481

Special Mention(6)
— 219,157 — — — — — 219,157

Substandard(7) 734,903 1,962,751 179,174 — — 10,353 — 2,887,181

Doubtful(8) — — — — — — — —

Loss(9) — — — — — — — —

Total
$ 45,353,599 $ 27,908,662 $ 1,523,281 $ 5,536,805 $ — $ 9,331,608 $ 883,864 $ 90,537,819

Schedule of the Bank's loan portfolio aging analysis of the recorded investment in loans

2015

30 – 59 Days
Past Due

60 – 89 Days
Past Due

Greater
Than
90 Days

Total
Past Due

Current

Total
Loans

Total Loans
>90 Days &
Accruing

Residential 1 – 4 family
$ 1,124,518 $ 312,454 $ 555,497 $ 1,992,469 $ 43,409,962 $ 45,402,431 $ —

Commercial real estate
9,715 — — 9,715 32,364,298 32,374,013 —

Construction and land
— 23,118 9,660 32,778 1,943,064 1,975,842 —

Commercial and industrial
99,541 — — 99,541 8,047,939 8,147,480 —

Warehouse Line
— — — — 10,000,000 10,000,000 —

Home equity
72,128 10,288 8,309 90,725 8,912,291 9,003,016 —

Other consumer
— 2,852 — 2,852 1,099,004 1,101,856 —

$ 1,305,902 $ 348,712 $ 573,466 $ 2,228,080 $ 105,776,558 $ 108,004,638 $ —

2014

30 – 59 Days
Past Due

60 – 89 Days
Past Due

Greater
Than
90 Days

Total
Past Due

Current

Total
Loans

Total Loans
>90 Days &
Accruing

Residential 1-4 family
$ 1,147,797 $ 557,817 $ 734,903 $ 2,440,517 $ 42,913,082 $ 45,353,599 $ —

Commercial real estate
11,782 — — 11,782 27,896,880 27,908,662 —

Construction and land
27,817 — 21,972 49,789 1,473,492 1,523,281 —

Commercial and
industrial
— — — — 5,536,805 5,536,805 —

Warehouse Line
— — — — — — —

Home equity
54,224 25,601 10,353 90,178 9,241,430 9,331,608 —

Other consumer
— 6,057 — 6,057 877,807 883,864 —

$ 1,241,620 $ 589,475 $ 767,228 $ 2,598,323 $ 87,939,496 $ 90,537,819 $ —

Schedule of impaired loans and specific valuation allowance based on class level

2015

Residential
1 – 4 Family

Commercial
Real Estate

Construction
and Land

Commercial
and Industrial

Warehouse
Line

Home
Equity

Total

Impaired loans without a specific allowance:

Recorded investment
$ 848,467 $ 273,166 $ — $ — $ — $ 79,097 $ 1,200,730

Unpaid principal balance
921,718 273,166 — — — 79,097 1,273,981

Impaired loans with a specific allowance:

Recorded investment
1,202,811 9,715 32,777 — — 43,712 1,289,015

Unpaid principal balance
1,259,063 11,111 36,696 — — 45,687 1,352,557

Specific allowance
13,969 129 173 — — 372 14,643

Total impaired loans:

Recorded investment
2,051,278 282,881 32,777 — — 122,809 2,489,745

Unpaid principal balance
2,180,781 284,277 36,696 — — 124,784 2,626,538

Specific allowance
13,969 129 173 — — 372 14,643

2014

Residential
1 – 4 Family

Commercial
Real Estate

Construction
and Land

Commercial
and Industrial

Warehouse
Line

Home
Equity

Total

Impaired loans without a specific allowance:

Recorded investment
$ 1,396,878 $ 1,003,575 $ 290,956 $ — $ — $ 86,296 $ 2,777,705

Unpaid principal balance
1,475,218 1,121,615 304,827 — — 92,277 2,993,937

Impaired loans with a specific allowance:

Recorded investment
1,330,834 11,782 49,790 — — 66,583 1,458,989

Unpaid principal balance
1,373,484 12,700 56,120 — — 69,627 1,511,931

Specific allowance
16,325 46 598 — — 533 17,502

Total impaired loans:

Recorded investment
2,727,712 1,015,357 340,746 — — 152,879 4,236,694

Unpaid principal balance
2,848,702 1,134,315 360,947 — — 161,904 4,505,868

Specific allowance
16,325 46 598 — — 533 17,502

Schedule of average recorded investment and interest income recognized on impaired loans by portfolio class

2015

Residential
1 – 4 Family

Commercial
Real Estate

Construction
and Land

Commercial
and Industrial

Warehouse
Line

Home
Equity

Total

Average recorded investment in impaired loans
$ 1,920,676 $ 290,494 $ 38,295 $ — $ — $ 127,281 2,376,746

Interest income recognized
23,914 15,554 — — — 2,614 42,082

Interest income recognized on a cash basis
23,798 15,328 — — — 2,614 41,740

2014

Residential
1 – 4 Family

Commercial
Real Estate

Construction
and Land

Commercial
and Industrial

Warehouse
Line

Home
Equity

Total

Average recorded investment in impaired loans
$ 2,394,222 $ 1,078,123 $ 330,360 $ — $ — $ 137,430 $ 3,940,135

Interest income recognized
38,882 16,369 5,945 — — 303 61,499

Interest income recognized on a cash basis
38,748 16,369 5,945 — — 303 61,365

Schedule of the Bank's nonaccrual loans

2015

2014

Residential 1 – 4 family
$ 1,233,905 $ 1,811,649

Commercial real estate
9,715 729,032

Construction and land
32,777 206,991

Commercial and industrial
— —

Warehouse Line
— —

Home equity
43,712 150,511

Other consumer
— —

$ 1,320,109 $ 2,898,183

Schedule of newly classified troubled debt restructurings

2015

2014

Number
of Loans

Pre-
Modification
Recorded
Balance

Post
Modification
Recorded
Balance

Number
of Loans

Pre-
Modification
Recorded
Balance

Post
Modification
Recorded
Balance

Residential 1 – 4 family
— $ — $ — 3 $ 418,350 $ 418,350

Commercial real estate
— — — — — —

Construction and land development
— — — — — —

Commercial and industrial
— — — — — —

Warehouse line
— — — — — —

Home equity
— — — — — —

Other consumer
— — — — — —

— $ — $ — 3 $ 418,350 $ 418,350

Schedule of newly restructured loans by type of modification

2015

Interest
Only

Term

Combination

Total
Modification

Residential 1 – 4 family
$ — $ — $ — $ —

Commercial real estate
— — — —

Construction and land development
— — — —

Commercial and industrial
— — — —

Warehouse line
— — — —

Home equity
— — — —

Other consumer
— — — —

$ — $ — $ — $ —

2014

Interest
Only

Term

Combination

Total
Modification

Residential 1 – 4 family
$ 93,832 $ 61,000 $ 263,518 $ 418,350

Commercial real estate
— — — —

Construction and land development
— — — —

Commercial and industrial
— — — —

Warehouse line
— — — —

Home equity
— — — —

Other consumer
— — — —

$ 93,832 $ 61,000 $ 263,518 $ 418,350

Schedule of troubled debt restructurings modified in the past 12 months that subsequently defaulted

2015

2014

Number of
Loans

Recorded
Balance

Number of
Loans

Recorded
Balance

Residential 1 – 4 family
— $ — — $ —

Commercial real estate
— — 1 214,736

Construction and land development
— — — —

Commercial and industrial
— — — —

Warehouse line
— — — —

Home equity
— — — —

Other consumer
— — — —

— $ — 1 $ 214,736

Schedule of activity in the allowance for loan losses by portfolio segment

2015

2014

Balance, January 1,
$ 1,746,535 $ 96,059

New loans and advances on lines
535,893 1,043,733

Repayments
(540,712) (667,229)

Other, newly established related party
648,108 1,273,972

Balance, December 31,
$ 2,389,824 $ 1,746,535

Balance available on lines of credit or loan commitments
290,558 558,191

X

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Tabular disclosure of the average recorded investment and interest income recognized on the accrual and cash basis for impaired financing receivables by the portfolio class of financing receivable.
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Premises and Equipment (Tables)
12 Months Ended

Dec. 31, 2015

Premises and Equipment

Schedule of major classifications of premises and equipment, stated at cost

2015

2014

Land
$ 864,420 $ 864,420

Land improvements
322,809 322,809

Building and improvements
4,513,402 4,509,902

Furniture, fixtures and equipment
3,326,148 3,651,942

Total cost
9,026,779 9,349,073

Accumulated depreciation
(5,420,609) (5,436,782)

Net premises and equipment
$ 3,606,170 $ 3,912,291

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Loan Servicing (Tables)
12 Months Ended

Dec. 31, 2015

Loan Servicing

Summary of activity pertaining to mortgage servicing rights measured using the amortization method.

2015

2014

Balance, beginning of year
$ 317,912 $ 364,999

Additions
130,638 59,732

Amortization
(123,011) (106,819)

Balance, end of year
$ 325,539 $ 317,912

Fair value as of the beginning of the year
$ 526,647 $ 543,975

Fair value as of the end of year
612,290 526,647

Summary of activity in mortgage servicing rights measured using the fair value method

2015

2014

Balance, beginning of year
$ 114,193 $ 148,171

Additions

Change in fair value adjusted through earnings
(31,017) (33,978)

Balance, end of year
$ 83,176 $ 114,193

X

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Deposits (Tables)
12 Months Ended

Dec. 31, 2015

Deposits

Schedule of deposits

2015

2014

Non-interest bearing demand deposits
$ 13,940,853 $ 11,730,674

Interest bearing deposits
37,751,724 24,528,025

Money market
20,465,720 20,350,496

Savings accounts
13,660,368 15,027,699

Certificates of deposit
27,512,191 26,856,218

Total deposits
$ 113,330,856 $ 98,493,112

Schedule of maturities of time deposits

2016
$ 16,197,851

2017
6,781,620

2018
1,640,662

2019
1,193,638

2020
1,668,727

Thereafter
29,692

Total
$ 27,512,191

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Federal Home Loan Bank Advances (Tables)
12 Months Ended

Dec. 31, 2015

Advances from Federal Home Loan Banks [Abstract]

Schedule of maturities on advances

2016
$ 2,000,000

2017
2,000,000

2018
2,000,000

2019
2,000,000

Total
$ 8,000,000

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Income Taxes (Tables)
12 Months Ended

Dec. 31, 2015

Income Tax Disclosure [Abstract]

Schedule of components of provision (credit) for income taxes

2015

2014

Taxes currently payable
$ — $ —

Deferred income taxes
— —

Income tax expense (benefit)
$ — $ —

Schedule of reconciliation of income tax expense at the statutory rate to the Company's actual income tax expense

2015

2014

Computed at the statutory rate (34%)
$ 14,321 $ (277,533)

Increase (decrease) resulting from

Tax exempt interest
— —

Changes in the deferred tax asset valuation allowance
(21,238) 252,896

Other
6,917 24,637

Actual tax expense (benefit)
$ — $ —

Schedule of tax effects of temporary differences related to deferred taxes

2015

2014

Deferred tax assets

Allowance for loan losses
$ 432,755 $ 48,592

Valuation of other real estate
1,673 1,729

Net operating loss carryforward
3,119,906 3,169,105

Charitable contribution carryforward
22,605 26,665

Unrealized loss on available-for-sale securities
4,862 5,698

Other
— 216,299

Total assets
3,581,801 3,468,088

Deferred tax liability

Depreciation
(170,778) (197,153)

Deferred loan fees
(8,941) (5,900)

FHLB stock dividends
(23,065) (36,742)

Other
(171,961) —

Total liabilities
(374,745) (239,795)

Net deferred tax asset before valuation allowance
3,207,056 3,228,293

Valuation allowance

Beginning balance
(3,228,293) (3,082,165)

Increase during the period
21,237 (146,128)

Ending balance
(3,207,056) (3,228,293)

Net deferred tax asset (liability)
$ — $ —

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Regulatory Matters (Tables)
12 Months Ended

Dec. 31, 2015

Regulatory Matters

Schedule of Company's actual capital amounts and ratios

Actual

Minimum Amount
Required for
Adequate Capital(2)

Minimum Amount
To Be Well
Capitalized(1)

Amount

Ratio

Amount

Ratio

Amount

Ratio

December 31, 2015

Total capital(1) (to risk-weighted assets)
$ 13,701 15.37% $ 7,133 8.00% $ 8,916 10.00%

Tier I capital(1) (to risk-weighted assets)
12,626 14.16 5,350 6.00 7,133 8.00

Common Equity Tier I capital(1) (to risk-weighted
assets)
12,630 14.16 4,012 4.50 5,795 6.50

Tier I capital(1) (to average assets)
12,630 9.42 5,364 4.00 6,705 5.00

December 31, 2014

Total capital(1) (to risk-weighted assets)
$ 13,188 17.87% $ 5,904 8.00% $ 7,380 10.00%

Tier I capital(1) (to risk-weighted assets)
12,264 16.62 2,952 4.00 4,428 6.00

Tier I capital(1) (to average assets)
12,264 10.03 4,893 4.00 6,116 5.00

(1)

As defined by regulatory agencies

X

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-Publisher FASB
-Name Accounting Standards Codification
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-SubTopic 505
-Section 50
-Paragraph 1B
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Employee Benefits (Tables)
12 Months Ended

Dec. 31, 2015

Employee Benefits

Schedule of ESOP shares

2015

2014

Released Shares
2,141 —

Shares committed for release
2,137 2,186

Unreleased shares
49,153 51,245

Total
53,431 53,431

Fair value of unreleased shares
$ 675,854 $ 520,137

X

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-Topic 718
-SubTopic 40
-Section 50
-Paragraph 1
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Disclosures About Fair Value of Assets and Liabilities (Tables)
12 Months Ended

Dec. 31, 2015

Disclosures About Fair Value of Assets and Liabilities

Schedule of fair value measurements of assets measured at fair value on a recurring basis

December 31, 2015
Fair Value Measurements Using

Assets

Fair Value

Quoted Prices in
Active Markets for
Identical Assets
(Level 1)

Significant
Other
Observable
Inputs
(Level 2)

Significant
Unobservable
Inputs
(Level 3)

Available-for-sale securities:

U.S. Government and federal agency
$ 5,924,942 $ — $ 5,924,942 $ —

State and political subdivisions
2,558,886 — 2,558,886 —

Mortgage-backed – GSE residential
2,570,256 — 2,570,256 —

Collateralized mortgage obligations – GSE
659,654 — 659,654 —

Mortgage servicing rights
83,176 — — 83,176

December 31, 2014
Fair Value Measurements Using

Assets

Fair
Value

Quoted Prices in
Active Markets for
Identical Assets
(Level 1)

Significant
Other
Observable
Inputs
(Level 2)

Significant
Unobservable
Inputs
(Level 3)

Available-for-sale securities:

U.S. Government and federal agency
$ 4,939,830 $ — $ 4,939,830 $ —

State and political subdivisions
3,361,085 — 3,361,085 —

Mortgage-backed – GSE residential
3,384,002 — 3,384,002 —

Collateralized mortgage obligations – GSE
1,033,148 — 1,033,148 —

Mortgage servicing rights
114,193 — — 114,193

Schedule of reconciliation of the beginning and ending balances of recurring fair value measurements recognized using significant unobservable (Level 3) inputs

2015

2014

Balance, beginning of year
$ 114,193 $ 148,171

Total changes in fair value included in earnings
(31,017) (33,978)

Balance, end of year
$ 83,176 $ 114,193

Schedule of fair value measurement of assets and liabilities measured at fair value on a nonrecurring basis

Fair Value Measurements Using

Assets

Fair Value

Quoted Prices in
Active Markets for
Identical Assets
(Level 1)

Significant
Other
Observable
Inputs
(Level 2)

Significant
Unobservable
Inputs
(Level 3)

December 31, 2015

Other real estate owned
$ 202,100 $ — $ — $ 202,100

Collateral-dependent impaired loans, Net of ALLL
1,274,372 — — 1,274,372

December 31, 2014

Other real estate owned
$ 190,000 $ — $ — $ 190,000

Collateral-dependent impaired loans Net of ALLL
1,441,487 — — 1,441,487

Schedule of quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements other than goodwill

Fair Value

Valuation
Technique

Unobservable Inputs

Weighted
Average

At December 31, 2015:

Other real estate owned
$ 202,100
Market
comparable
properties

Comparability
adjustment (%)

Not available

Collateral-dependent impaired loans, net of
ALLL


1,274,372

Market
comparable
properties


Marketability
discount


10% – 15% (11.4%)

Mortgage servicing rights
83,176
Discounted
cash flow

Constant
prepayment rate

8.8% – 16% (11.9%)

Probability
of default

1% – 8% (2.9%)

Discount rate

5.6% – 12.0% (10.4%)

At December 31, 2014:

Other real estate owned
$ 190,000
Market
comparable
properties

Comparability
adjustment (%)

Not available

Collateral-dependent impaired loans, net of
ALLL


1,441,487

Market
comparable
properties


Marketability
discount


10% – 15% (12%)

Mortgage servicing rights
114,193
Discounted
cash flow

Constant
prepayment rate

8.5% – 16% (11.2%)

Probability
of default

1% – 8% (2.1%)

Discount rate

7.6% – 13.0% (10.4%)

Schedule of estimated fair values of the Company's financial instruments

Fair Value Measurements Using

Carrying
Amount

Quoted Prices in
Active Markets for
Identical Assets
(Level 1)

Significant
Other
Observable
Inputs
(Level 2)

Significant
Unobservable
Inputs
(Level 3)

At December 31, 2015:

Financial assets:

Cash and cash equivalents
$ 10,906,893 $ 10,906,893 $ — $ —

FHLB Stock
686,200 — 686,200 —

Loans, net of allowance for loan
losses
106,955,455 — — 107,347,000

Accrued interest receivable
314,174 — 314,174 —

Mortgage servicing rights
325,539 — — 612,290

Financial liabilities:

Deposits
113,330,856 13,940,853 99,414,003 —

Federal Home Loan Bank advances
8,000,000 8,063,000

Accrued interest payable
6,137 — 6,137 —

Fair Value Measurements Using

Carrying
Amount

Quoted Prices in
Active Markets for
Identical Assets
(Level 1)

Significant
Other
Observable
Inputs
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Significant
Unobservable
Inputs
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At December 31, 2014:

Financial assets:

Cash and cash equivalents
$ 13,444,597 $ 13,444,597 $ — $ —

FHLB Stock
1,078,900 — 1,078,900 —

Loans held for sale
48,300 — 48,300

Loans, net of allowance for loan losses
89,479,525 — — 89,756,000

Accrued interest receivable
302,777 — 302,777 —

Mortgage servicing rights
317,912 — — 526,647

Financial liabilities:

Deposits
98,493,112 11,730,674 86,842,438 —

Federal Home Loan Bank advances
10,000,000 — 10,098,000 —

Accrued interest payable
6,256 — 6,256 —

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Commitments and Credit Risk (Tables)
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Commitments and Credit Risk

Schedule of loan commitments and standby letters of credit outstanding

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2014

Commitments to extend credit – variable rate
$ 15,520,785 $ 14,687,657

Commitments to extend credit – fixed rate
3,372,791 5,402,290

Standby letters of credit
80,000 10,000

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December 31, 2014

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Average shares outstanding
667,898 640,450

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50,309 50,245

617,589 590,205

Additional dilutive shares
— —

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$ 0.07 $ (1.38)

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Statement of condensed balance sheet

Condensed Balance Sheet

2015

2014

Assets

Cash and due from banks
$ 733,318 $ 1,059,374

Investment in bank
12,615,381 12,247,581

Other assets
28,177 —

Total assets
$ 13,376,876 $ 13,306,955

Liabilities

Other
4,814 3,495

4,814 3,495

Temporary Equity

ESOP shares subject to mandatory redemption
46,197 22,193

Stockholders’ Equity
13,325,865 13,281,267

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2015

2014

Income

Other income
$ 7,071 $ 9,349

Expense

Other expenses
330,273 165,776

Loss Before Income Tax and Equity in Undistributed Income of Subsidiary
(323,202) (156,427)

Income Tax Benefit
— —

Loss Before Equity in Undistributed Income (Loss) of Subsidiary
(323,202) (156,427)

Equity in Undistributed Income (Loss) of Subsidiary
365,340 (659,846)

Net Income (Loss)
$ 42,138 $ (816,273)

Comprehensive Income (Loss)
$ 44,598 $ (697,777)

Statement of condensed cash flow
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2015

2014

Operating Activities

Net income (loss)
$ 42,138 $ (816,273)

Items not requiring (providing) cash

Equity in undistributed (income) loss of subsidiary
(365,340) 659,846

Compensation expense on allocated ESOP shares
24,004 22,193

Change in other assets
(28,177) —

Change in other liabilities
1,319 3,495

Net cash used in operating activities
(326,056) (130,739)

Investing Activities

Investment in Bank
— (3,500,000)

Financing Activities

Net proceeds from stock conversion
— 4,690,113

Net Change in Cash and Due From Banks
(326,056) 1,059,374

Cash and Due From Banks at Beginning of Year
1,059,374 —

Cash and Due From Banks at End of Year
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Buildings

Property, Plant and Equipment [Line Items]

Estimated useful lives 39 years

Building and land improvements

Property, Plant and Equipment [Line Items]

Estimated useful lives 10 years

Furniture, fixtures and equipment

Property, Plant and Equipment [Line Items]

Estimated useful lives 3- 7 years

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$ / shares

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Jan. 16, 2014

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$ / shares

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Issue price of common stock (in dollars per share) | $ / shares $ 10.00 $ 10.00

Plan of Conversion and Reorganization

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Offering costs | $ $ 1,455,000

Proceeds from Issuance of Common Stock | $ $ 4,690,000

Shares of common stock purchased under employee stock ownership plan (in shares) | shares 53,431

Purchase price (in dollars per share) | $ / shares $ 10

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Securities (Details) - USD ($)

Dec. 31, 2015

Dec. 31, 2014

Amortized cost and approximate fair values of investment securities

Amortized Cost $ 11,728,038 $ 12,734,825

Gross Unrealized Gains 29,665 69,387

Gross Unrealized Losses 43,965 86,147

Fair Value 11,713,738 12,718,065

U.S. Government and federal agency

Amortized cost and approximate fair values of investment securities

Amortized Cost 5,952,239 5,002,617

Gross Unrealized Gains 925 3,230

Gross Unrealized Losses 28,222 66,017

Fair Value 5,924,942 4,939,830

State and political subdivisions

Amortized cost and approximate fair values of investment securities

Amortized Cost 2,555,544 3,354,828

Gross Unrealized Gains 8,357 20,436

Gross Unrealized Losses 5,015 14,179

Fair Value 2,558,886 3,361,085

Mortgage-backed - GSE-residential Sponsored Enterprise (GSE)-residential

Amortized cost and approximate fair values of investment securities

Amortized Cost 2,566,762 3,357,163

Gross Unrealized Gains 14,222 32,790

Gross Unrealized Losses 10,728 5,951

Fair Value 2,570,256 3,384,002

Collateralized mortgage obligations - GSE

Amortized cost and approximate fair values of investment securities

Amortized Cost 653,493 1,020,217

Gross Unrealized Gains $ 6,161 $ 12,931

Gross Unrealized Losses

Fair Value $ 659,654 $ 1,033,148

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Dec. 31, 2015

Dec. 31, 2014

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Within one year $ 1,000,596

After one through five years 7,507,187

Total 8,507,783

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Within one year 1,004,319

After one through five years 7,479,509

Total 8,483,828

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Securities (Details 2) - USD ($)
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

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12 Months or More 1,485,364 3,980,564

Total 6,612,243 6,066,781

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Less than 12 Months 30,384 8,555

12 Months or Longer 13,581 77,592

Total 43,965 $ 86,147

U.S. Government and federal agency

Fair Value

Less than 12 Months 3,524,074

12 Months or More 990,379 $ 3,492,139

Total 4,514,453 $ 3,492,139

Gross Unrealized Losses

Less than 12 Months 19,656

12 Months or Longer 8,566 $ 66,017

Total $ 28,222 66,017

State and political subdivisions

Fair Value

Less than 12 Months 804,572

12 Months or More $ 494,985 488,425

Total $ 494,985 1,292,997

Gross Unrealized Losses

Less than 12 Months 2,604

12 Months or Longer $ 5,015 11,575

Total 5,015 14,179

Mortgage-backed - GSE residential

Fair Value

Less than 12 Months $ 1,602,805 $ 1,281,645

12 Months or More

Total $ 1,602,805 $ 1,281,645

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Less than 12 Months $ 10,728 $ 5,951

12 Months or Longer

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12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Securities

Carrying value of securities pledged as collateral to secure public deposits and for other purposes $ 246,401 $ 345,931

Sales of securities available for sale 0 0

Debt securities reported at an amount less than their historical cost $ 6,612,243 $ 6,066,781

Debt securities reported at an amount less than their historical cost as a percentage of the company's investment portfolio 56.00% 48.00%

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Loans and Allowance for Loan Losses (Details) - USD ($)

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Accounts, Notes, Loans and Financing Receivable [Line Items]

Allowance for loan losses $ 1,075,374 $ 1,075,351

Total loans, net 106,955,455 89,479,525

Loans Receivable

Accounts, Notes, Loans and Financing Receivable [Line Items]

Gross loans 108,004,638 90,537,819

Net deferred loan costs (26,191) (17,057)

Allowance for loan losses 1,075,374 1,075,351 $ 1,061,141

Total loans, net 106,955,455 89,479,525

Loans Receivable | Total real estate

Accounts, Notes, Loans and Financing Receivable [Line Items]

Gross loans 79,752,286 74,785,542

Loans Receivable | Residential 1- 4 family

Accounts, Notes, Loans and Financing Receivable [Line Items]

Gross loans 45,402,431 45,353,599

Allowance for loan losses 337,230 222,618 188,325

Loans Receivable | Commercial Real Estate

Accounts, Notes, Loans and Financing Receivable [Line Items]

Gross loans 32,374,013 27,908,662

Loans Receivable | Construction and Land

Accounts, Notes, Loans and Financing Receivable [Line Items]

Gross loans 1,975,842 1,523,281

Loans Receivable | Commercial and industrial

Accounts, Notes, Loans and Financing Receivable [Line Items]

Gross loans 8,147,480 5,536,805

Allowance for loan losses 69,337 $ 248,388 $ 138,268

Loans Receivable | Warehouse line

Accounts, Notes, Loans and Financing Receivable [Line Items]

Gross loans 10,000,000

Allowance for loan losses 60,787

Loans Receivable | Total consumer

Accounts, Notes, Loans and Financing Receivable [Line Items]

Gross loans 10,104,872 $ 10,215,472

Allowance for loan losses 103,997 100,724 $ 147,217

Loans Receivable | Home equity loans and lines of credit

Accounts, Notes, Loans and Financing Receivable [Line Items]

Gross loans 9,003,016 9,331,608

Loans Receivable | Other consumer loans

Accounts, Notes, Loans and Financing Receivable [Line Items]

Gross loans $ 1,101,856 $ 883,864

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Loans and Allowance for Loan Losses (Details 1) - USD ($)
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Allowance for loan losses

Balance, beginning of year $ 1,075,351

Provision (credit) for loan losses 65,000

Balance, end of year 1,075,374 $ 1,075,351

Loans Receivable

Allowance for loan losses

Balance, beginning of year 1,075,351 $ 1,061,141

Provision (credit) for loan losses 65,000

Loans charged to the allowance (81,242) $ (100,354)

Recoveries of loans previously charged off 16,265 114,564

Balance, end of year 1,075,374 1,075,351

Ending balance: individually evaluated for impairment 14,643 17,502

Ending balance: collectively evaluated for impairment 1,060,731 1,057,849

Loans:

Ending balance 108,004,638 90,537,819

Ending balance individually evaluated for impairment 2,489,745 4,236,694

Ending balance collectively evaluated for impairment 105,514,893 86,301,125

Loans Receivable | Residential 1- 4 family

Allowance for loan losses

Balance, beginning of year 222,618 188,325

Provision (credit) for loan losses 101,517 58,217

Loans charged to the allowance (570) (27,134)

Recoveries of loans previously charged off 13,665 3,210

Balance, end of year 337,230 222,618

Ending balance: individually evaluated for impairment 13,969 16,325

Ending balance: collectively evaluated for impairment 323,261 206,293

Loans:

Ending balance 45,402,431 45,353,599

Ending balance individually evaluated for impairment 2,051,278 2,727,712

Ending balance collectively evaluated for impairment 43,351,153 42,625,887

Loans Receivable | Commercial Real Estate

Allowance for loan losses

Balance, beginning of year 503,621 587,331

Provision (credit) for loan losses 59,817 $ (174,664)

Loans charged to the allowance (62,015)

Recoveries of loans previously charged off 2,600 $ 90,954

Balance, end of year 504,023 503,621

Ending balance: individually evaluated for impairment 302 644

Ending balance: collectively evaluated for impairment 503,721 502,977

Loans:

Ending balance 34,349,855 29,431,943

Ending balance individually evaluated for impairment 315,658 1,356,103

Ending balance collectively evaluated for impairment 34,034,197 28,075,840

Loans Receivable | Commercial and Industrial

Allowance for loan losses

Balance, beginning of year 248,388 138,268

Provision (credit) for loan losses $ (179,051) $ 110,120

Loans charged to the allowance

Recoveries of loans previously charged off

Balance, end of year $ 69,337 $ 248,388

Ending balance: individually evaluated for impairment

Ending balance: collectively evaluated for impairment $ 69,337 $ 248,388

Loans:

Ending balance $ 8,147,480 $ 5,536,805

Ending balance individually evaluated for impairment

Ending balance collectively evaluated for impairment $ 8,147,480 $ 5,536,805

Loans Receivable | Warehouse line

Allowance for loan losses

Balance, beginning of year

Provision (credit) for loan losses $ 60,787

Loans charged to the allowance

Recoveries of loans previously charged off

Balance, end of year $ 60,787

Ending balance: individually evaluated for impairment

Ending balance: collectively evaluated for impairment $ 60,787

Loans:

Ending balance $ 10,000,000

Ending balance individually evaluated for impairment

Ending balance collectively evaluated for impairment $ 10,000,000

Loans Receivable | Consumer

Allowance for loan losses

Balance, beginning of year 100,724 $ 147,217

Provision (credit) for loan losses 21,930 6,327

Loans charged to the allowance $ (18,657) (73,220)

Recoveries of loans previously charged off 20,400

Balance, end of year $ 103,997 100,724

Ending balance: individually evaluated for impairment 372 533

Ending balance: collectively evaluated for impairment 103,625 100,191

Loans:

Ending balance 10,104,872 10,215,472

Ending balance individually evaluated for impairment 122,809 152,879

Ending balance collectively evaluated for impairment $ 9,982,063 $ 10,062,593

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Loans and Allowance for Loan Losses (Details 2) - Loans Receivable - USD ($)

Dec. 31, 2015

Dec. 31, 2014

Financing Receivable, Recorded Investment [Line Items]

Total $ 108,004,638 $ 90,537,819

Pass

Financing Receivable, Recorded Investment [Line Items]

Total 105,095,016 87,431,481

Special mention

Financing Receivable, Recorded Investment [Line Items]

Total 1,553,936 219,157

Substandard

Financing Receivable, Recorded Investment [Line Items]

Total $ 1,355,686 $ 2,887,181

Doubtful

Financing Receivable, Recorded Investment [Line Items]

Total

Loss

Financing Receivable, Recorded Investment [Line Items]

Total

Residential 1 - 4 Family

Financing Receivable, Recorded Investment [Line Items]

Total $ 45,402,431 $ 45,353,599

Residential 1 - 4 Family | Pass

Financing Receivable, Recorded Investment [Line Items]

Total $ 44,838,588 $ 44,618,696

Residential 1 - 4 Family | Special mention

Financing Receivable, Recorded Investment [Line Items]

Total

Residential 1 - 4 Family | Substandard

Financing Receivable, Recorded Investment [Line Items]

Total $ 563,843 $ 734,903

Residential 1 - 4 Family | Doubtful

Financing Receivable, Recorded Investment [Line Items]

Total

Residential 1 - 4 Family | Loss

Financing Receivable, Recorded Investment [Line Items]

Total

Commercial Real Estate

Financing Receivable, Recorded Investment [Line Items]

Total $ 32,374,013 $ 27,908,662

Commercial Real Estate | Pass

Financing Receivable, Recorded Investment [Line Items]

Total 30,037,894 25,726,754

Commercial Real Estate | Special mention

Financing Receivable, Recorded Investment [Line Items]

Total 1,553,936 219,157

Commercial Real Estate | Substandard

Financing Receivable, Recorded Investment [Line Items]

Total $ 782,183 $ 1,962,751

Commercial Real Estate | Doubtful

Financing Receivable, Recorded Investment [Line Items]

Total

Commercial Real Estate | Loss

Financing Receivable, Recorded Investment [Line Items]

Total

Construction and Land

Financing Receivable, Recorded Investment [Line Items]

Total $ 1,975,842 $ 1,523,281

Construction and Land | Pass

Financing Receivable, Recorded Investment [Line Items]

Total $ 1,966,182 $ 1,344,107

Construction and Land | Special mention

Financing Receivable, Recorded Investment [Line Items]

Total

Construction and Land | Substandard

Financing Receivable, Recorded Investment [Line Items]

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Construction and Land | Doubtful

Financing Receivable, Recorded Investment [Line Items]

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Construction and Land | Loss

Financing Receivable, Recorded Investment [Line Items]

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Commercial and Industrial

Financing Receivable, Recorded Investment [Line Items]

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Commercial and Industrial | Pass

Financing Receivable, Recorded Investment [Line Items]

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Commercial and Industrial | Special mention

Financing Receivable, Recorded Investment [Line Items]

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Financing Receivable, Recorded Investment [Line Items]

Total

Commercial and Industrial | Doubtful

Financing Receivable, Recorded Investment [Line Items]

Total

Commercial and Industrial | Loss

Financing Receivable, Recorded Investment [Line Items]

Total

Warehouse line

Financing Receivable, Recorded Investment [Line Items]

Total $ 10,000,000

Warehouse line | Pass

Financing Receivable, Recorded Investment [Line Items]

Total $ 10,000,000

Warehouse line | Special mention

Financing Receivable, Recorded Investment [Line Items]

Total

Warehouse line | Substandard

Financing Receivable, Recorded Investment [Line Items]

Total

Warehouse line | Doubtful

Financing Receivable, Recorded Investment [Line Items]

Total

Warehouse line | Loss

Financing Receivable, Recorded Investment [Line Items]

Total

Home Equity

Financing Receivable, Recorded Investment [Line Items]

Total $ 9,003,016 $ 9,331,608

Home Equity | Pass

Financing Receivable, Recorded Investment [Line Items]

Total $ 9,003,016 $ 9,321,255

Home Equity | Special mention

Financing Receivable, Recorded Investment [Line Items]

Total

Home Equity | Substandard

Financing Receivable, Recorded Investment [Line Items]

Total $ 10,353

Home Equity | Doubtful

Financing Receivable, Recorded Investment [Line Items]

Total

Home Equity | Loss

Financing Receivable, Recorded Investment [Line Items]

Total

Other Consumer

Financing Receivable, Recorded Investment [Line Items]

Total $ 1,101,856 $ 883,864

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Financing Receivable, Recorded Investment [Line Items]

Total $ 1,101,856 $ 883,864

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Financing Receivable, Recorded Investment [Line Items]

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Financing Receivable, Recorded Investment [Line Items]

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Loans and Allowance for Loan Losses (Details 3) - Loans Receivable - USD ($)

Dec. 31, 2015

Dec. 31, 2014

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due $ 2,228,080 $ 2,598,323

Current 105,776,558 87,939,496

Total Loans $ 108,004,638 $ 90,537,819

Total Loans > 90 Days & Accruing

30-59 Days Past Due

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due $ 1,305,902 $ 1,241,620

60 - 89 Days Past Due

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due 348,712 589,475

Greater Than 90 Days

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due 573,466 767,228

Residential 1- 4 family

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due 1,992,469 2,440,517

Current 43,409,962 42,913,082

Total Loans $ 45,402,431 $ 45,353,599

Total Loans > 90 Days & Accruing

Residential 1- 4 family | 30-59 Days Past Due

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due $ 1,124,518 $ 1,147,797

Residential 1- 4 family | 60 - 89 Days Past Due

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due 312,454 557,817

Residential 1- 4 family | Greater Than 90 Days

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due 555,497 734,903

Commercial real estate

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due 9,715 11,782

Current 32,364,298 27,896,880

Total Loans $ 32,374,013 $ 27,908,662

Total Loans > 90 Days & Accruing

Commercial real estate | 30-59 Days Past Due

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due $ 9,715 $ 11,782

Commercial real estate | 60 - 89 Days Past Due

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due

Commercial real estate | Greater Than 90 Days

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due

Construction and Land

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due $ 32,778 $ 49,789

Current 1,943,064 1,473,492

Total Loans $ 1,975,842 $ 1,523,281

Total Loans > 90 Days & Accruing

Construction and Land | 30-59 Days Past Due

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due $ 27,817

Construction and Land | 60 - 89 Days Past Due

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due $ 23,118

Construction and Land | Greater Than 90 Days

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due 9,660 $ 21,972

Commercial and industrial

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due 99,541

Current 8,047,939 $ 5,536,805

Total Loans $ 8,147,480 $ 5,536,805

Total Loans > 90 Days & Accruing

Commercial and industrial | 30-59 Days Past Due

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due $ 99,541

Commercial and industrial | 60 - 89 Days Past Due

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due

Commercial and industrial | Greater Than 90 Days

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due

Warehouse line

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due

Current $ 10,000,000

Total Loans $ 10,000,000

Total Loans > 90 Days & Accruing

Warehouse line | 30-59 Days Past Due

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due

Warehouse line | 60 - 89 Days Past Due

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due

Warehouse line | Greater Than 90 Days

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due

Home equity

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due $ 90,725 $ 90,178

Current 8,912,291 9,241,430

Total Loans $ 9,003,016 $ 9,331,608

Total Loans > 90 Days & Accruing

Home equity | 30-59 Days Past Due

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due $ 72,128 $ 54,224

Home equity | 60 - 89 Days Past Due

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due 10,288 25,601

Home equity | Greater Than 90 Days

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due 8,309 10,353

Other Consumer

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due 2,852 6,057

Current 1,099,004 877,807

Total Loans $ 1,101,856 $ 883,864

Total Loans > 90 Days & Accruing

Other Consumer | 30-59 Days Past Due

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due

Other Consumer | 60 - 89 Days Past Due

Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due $ 2,852 $ 6,057

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Financing Receivable, Recorded Investment, Past Due [Line Items]

Total Past Due

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Loans and Allowance for Loan Losses (Details 4) - Loans Receivable - USD ($)

Dec. 31, 2015

Dec. 31, 2014

Impaired loans without a specific allowance:

Recorded investment $ 1,200,730 $ 2,777,705

Unpaid principal balance 1,273,981 2,993,937

Impaired loans with a specific allowance:

Recorded investment 1,289,015 1,458,989

Unpaid principal balance 1,352,557 1,511,931

Specific allowance 14,643 17,502

Total impaired loans:

Recorded investment 2,489,745 4,236,694

Unpaid principal balance 2,626,538 4,505,868

Specific allowance 14,643 17,502

Residential 1 - 4 Family

Impaired loans without a specific allowance:

Recorded investment 848,467 1,396,878

Unpaid principal balance 921,718 1,475,218

Impaired loans with a specific allowance:

Recorded investment 1,202,811 1,330,834

Unpaid principal balance 1,259,063 1,373,484

Specific allowance 13,969 16,325

Total impaired loans:

Recorded investment 2,051,278 2,727,712

Unpaid principal balance 2,180,781 2,848,702

Specific allowance 13,969 16,325

Commercial Real Estate

Impaired loans without a specific allowance:

Recorded investment 273,166 1,003,575

Unpaid principal balance 273,166 1,121,615

Impaired loans with a specific allowance:

Recorded investment 9,715 11,782

Unpaid principal balance 11,111 12,700

Specific allowance 129 46

Total impaired loans:

Recorded investment 282,881 1,015,357

Unpaid principal balance 284,277 1,134,315

Specific allowance $ 129 46

Construction and Land

Impaired loans without a specific allowance:

Recorded investment 290,956

Unpaid principal balance 304,827

Impaired loans with a specific allowance:

Recorded investment $ 32,777 49,790

Unpaid principal balance 36,696 56,120

Specific allowance 173 598

Total impaired loans:

Recorded investment 32,777 340,746

Unpaid principal balance 36,696 360,947

Specific allowance $ 173 $ 598

Commercial and industrial

Impaired loans without a specific allowance:

Recorded investment

Unpaid principal balance

Impaired loans with a specific allowance:

Recorded investment

Unpaid principal balance

Specific allowance

Total impaired loans:

Recorded investment

Unpaid principal balance

Specific allowance

Warehouse line

Impaired loans without a specific allowance:

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Unpaid principal balance

Impaired loans with a specific allowance:

Recorded investment

Unpaid principal balance

Specific allowance

Total impaired loans:

Recorded investment

Unpaid principal balance

Specific allowance

Home Equity

Impaired loans without a specific allowance:

Recorded investment $ 79,097 $ 86,296

Unpaid principal balance 79,097 92,277

Impaired loans with a specific allowance:

Recorded investment 43,712 66,583

Unpaid principal balance 45,687 69,627

Specific allowance 372 533

Total impaired loans:

Recorded investment 122,809 152,879

Unpaid principal balance 124,784 161,904

Specific allowance $ 372 $ 533

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Loans and Allowance for Loan Losses (Details 5) - Loans Receivable - USD ($)
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Financing Receivable, Impaired [Line Items]

Average recorded investment in impaired loans $ 2,376,746 $ 3,940,135

Interest income recognized 42,082 61,499

Interest income recognized on a cash basis 41,740 61,365

Residential 1 - 4 Family

Financing Receivable, Impaired [Line Items]

Average recorded investment in impaired loans 1,920,676 2,394,222

Interest income recognized 23,914 38,882

Interest income recognized on a cash basis 23,798 38,748

Commercial Real Estate

Financing Receivable, Impaired [Line Items]

Average recorded investment in impaired loans 290,494 1,078,123

Interest income recognized 15,554 16,369

Interest income recognized on a cash basis 15,328 16,369

Construction and Land

Financing Receivable, Impaired [Line Items]

Average recorded investment in impaired loans $ 38,295 330,360

Interest income recognized 5,945

Interest income recognized on a cash basis $ 5,945

Commercial and Industrial

Financing Receivable, Impaired [Line Items]

Average recorded investment in impaired loans

Interest income recognized

Interest income recognized on a cash basis

Warehouse line

Financing Receivable, Impaired [Line Items]

Average recorded investment in impaired loans

Interest income recognized

Interest income recognized on a cash basis

Home Equity

Financing Receivable, Impaired [Line Items]

Average recorded investment in impaired loans $ 127,281 $ 137,430

Interest income recognized 2,614 303

Interest income recognized on a cash basis $ 2,614 $ 303

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Loans and Allowance for Loan Losses (Details 6) - Loans Receivable - USD ($)

Dec. 31, 2015

Dec. 31, 2014

Financing Receivable, Recorded Investment, Past Due [Line Items]

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Dec. 31, 2015

USD ($)

Loan

Dec. 31, 2014

USD ($)

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12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Financing Receivable, Modifications [Line Items]

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Residential 1- 4 family

Financing Receivable, Modifications [Line Items]

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Financing Receivable, Modifications [Line Items]

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Term

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Total Modification $ 61,000

Term | Residential 1- 4 family

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Dec. 31, 2014

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Loans and Allowance for Loan Losses (Details 10) - Loans Receivable - USD ($)
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Loans and Leases Receivable, Related Parties [Roll Forward]

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New loans and advances on lines 535,893 1,043,733

Repayments (540,712) (667,229)

Other, newly established related party 648,108 1,273,972

Balance, December 31, 2,389,824 1,746,535

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12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Accounts, Notes, Loans and Financing Receivable [Line Items]

Minimum period of payment performance under existing or modified terms 6 months

Loans Receivable

Accounts, Notes, Loans and Financing Receivable [Line Items]

Increase in the allowance for loan losses $ 3,502

Charge offs in the troubled debt restructurings 19,937

Loans designated as TDRs which met the criteria for placement back on accrual status $ 1,084,630 1,431,843

Minimum period of payment performance under existing or modified terms 6 months

Loans Receivable | Residential 1- 4 family

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loans designated as TDRs which met the criteria for placement back on accrual status $ 732,385 1,009,396

Loans Receivable | Commercial Real Estate

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loans designated as TDRs which met the criteria for placement back on accrual status 273,166 286,325

Loans Receivable | Construction and Land

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loans designated as TDRs which met the criteria for placement back on accrual status 133,754

Loans Receivable | Home Equity

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loans designated as TDRs which met the criteria for placement back on accrual status $ 79,079 $ 2,368

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Dec. 31, 2015

Dec. 31, 2014

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Total cost $ 9,026,779 $ 9,349,073

Accumulated depreciation (5,420,609) (5,436,782)

Net premises and equipment 3,606,170 3,912,291

Land

Premises and equipment

Total cost 864,420 864,420

Land improvements

Premises and equipment

Total cost 322,809 322,809

Buildings and improvements

Premises and equipment

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12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Activity pertaining to mortgage servicing rights measured using the amortization method, along with the aggregate activity in related valuation allowances

Balance, beginning of year $ 317,912 $ 364,999

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Dec. 31, 2014

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Dec. 31, 2015

Dec. 31, 2014

Loan Servicing

Unpaid principal balances of mortgage and other loans serviced for others $ 77,187,000 $ 73,575,000

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Deposits (Details) - USD ($)

Dec. 31, 2015

Dec. 31, 2014

Deposits

Non-interest bearing demand deposits $ 13,940,853 $ 11,730,674

Interest bearing deposits 37,751,724 24,528,025

Money market 20,465,720 20,350,496

Savings accounts 13,660,368 15,027,699

Certificates of deposit 27,512,191 26,856,218

Total deposits $ 113,330,856 $ 98,493,112

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2017 6,781,620

2018 1,640,662

2019 1,193,638

2020 1,668,727

Thereafter 29,692

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Dec. 31, 2015

Dec. 31, 2014

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Deposits from executive officers, directors and their affiliates $ 1,893,793 $ 1,516,175

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Dec. 31, 2015

Dec. 31, 2014

Federal Home Loan Bank, Advances [Line Items]

2016 $ 8,000,000 $ 10,000,000

Federal Home Loan Bank advances

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2017 2,000,000

2018 2,000,000

2019 2,000,000

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Dec. 31, 2015

Dec. 31, 2014

Federal Home Loan Bank, Advances [Line Items]

Federal Home Loan Bank advances and line of credit secured loans $ 29,000,000 $ 35,300,000

Federal Home Loan Bank advances

Federal Home Loan Bank, Advances [Line Items]

Federal Home Loan Bank advances 8,000,000 $ 10,000,000

Line of credit $ 2,000,000

Federal Home Loan Bank advances | Minimum

Federal Home Loan Bank, Advances [Line Items]

Interest rates 0.67%

Federal Home Loan Bank advances | Maximum

Federal Home Loan Bank, Advances [Line Items]

Interest rates 1.79%

Federal funds line with United Bankers Bank

Federal Home Loan Bank, Advances [Line Items]

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Allowance for loan losses $ 432,755 $ 48,592

Valuation of other real estate 1,673 1,729

Net operating loss carryforward 3,119,906 3,169,105

Charitable contribution carryforward 22,605 26,665

Unrealized loss on available-for-sale securities 4,862 5,698

Other 216,299

Total assets 3,581,801 3,468,088

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Deferred loan fees (8,941) (5,900)

FHLB stock dividends (23,065) (36,742)

Other (171,961)

Total liabilities (374,745) (239,795)

Net deferred tax asset before valuation allowance 3,207,056 3,228,293

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Beginning balance (3,228,293) (3,082,165)

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Ending balance $ (3,207,056) $ (3,228,293)

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Dec. 31, 2015

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Federal

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Regulatory Matters (Details) - USD ($)

Dec. 31, 2015

Dec. 31, 2014

Total capital (to risk-weighted assets)

Actual, Amount ^[1] $ 13,701 $ 13,188

Actual, Ratio (as a percent) ^[1] 15.37% 17.87%

Minimum Amount Required for Adequate Capital, Amount ^[1] $ 7,133 $ 5,904

Minimum Amount Required for Adequate Capital, Ratio (as a percent) ^[1] 8.00% 8.00%

Minimum to Amount To Be Well Capitalized, Amount ^[1] $ 8,916 $ 7,380

Minimum to Amount To Be Well Capitalized, Ratio (as a percent) ^[1] 10.00% 10.00%

Tier I capital (to risk-weighted assets)

Actual, Amount ^[1] $ 12,626 $ 12,264

Actual, Ratio (as a percent) ^[1] 14.16% 16.62%

Minimum Amount Required for Adequate Capital, Amount ^[1] $ 5,350 $ 2,952

Minimum Amount Required for Adequate Capital, Ratio (as a percent) ^[1] 6.00% 4.00%

Minimum Amount To Be Well Capitalized, Amount ^[1] $ 7,133 $ 4,428

Minimum Amount To Be Well Capitalized, Ratio (as a percent) ^[1] 8.00% 6.00%

Common Equity Tier I Capital To Risk Weighted Assets [Abstract]

Actual, Amount ^[1] $ 12,630

Actual, Ratio (as a percent) ^[1] 14.16%

Minimum Amount Required for Adequate Capital, Amount ^[1] $ 4,012

Minimum Amount Required for Adequate Capital, Ratio (as a percent) ^[1] 4.50%

Minimum to Amount To Be Well Capitalized, Amount ^[1] $ 5,795

Minimum to Amount To Be Well Capitalized, Ratio (as a percent) ^[1] 6.50%

Tier I capital (to average assets)

Actual, Amount ^[1] $ 12,630 $ 12,264

Actual, Ratio (as a percent) ^[1] 9.42% 10.03%

Minimum Amount Required for Adequate Capital, Amount ^[1] $ 5,364 $ 4,893

Minimum Amount Required for Adequate Capital, Ratio (as a percent) ^[1] 4.00% 4.00%

Minimum Amount To Be Well Capitalized, Amount ^[1] $ 6,705 $ 6,116

Minimum Amount To Be Well Capitalized, Ratio (as a percent) ^[1] 5.00% 5.00%

[1] As defined by regulatory agencies

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Employee Benefits (Details) - USD ($)

Dec. 31, 2015

Dec. 31, 2014

Summary of ESOP shares

Released Shares 2,141

Shares committed for release 2,137 2,186

Unreleased shares 49,153 51,245

Total 53,431 53,431

Fair value of unreleased shares $ 675,854 $ 520,137

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Employee Benefits (Detail Textuals)
12 Months Ended

Dec. 31, 2015

USD ($)

item

Hours

shares

Dec. 31, 2014

USD ($)

shares

Jun. 30, 2014

USD ($)

Jun. 30, 2013

USD ($)

Jun. 30, 2015

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Number of hours required to be worked for eligible to participate under ESOP | Hours 1,000

Requisite Service Period in ESOP 12 months

Minimum age required to be eligible to participate under ESOP 21 years

ESOP borrowed funds | shares 53,431 53,431

Percentage of the common stock issued in the stock offering 8.00%

Loan expected to be repaid over a period 25 years

Employee stock ownership plan at rate 20.00%

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ESOP fair value of shares $ 29,384

Number of outstanding shares held by former employees in ESOP | shares 181

Retirement savings 401(k) plan

Employee Benefit Plans [Line Items]

Minimum age required to be eligible to participate in 401(k) plan 21 years

Number of hours required to be worked to be eligible to participate in 401(k) plan | Hours 1,000

Requisite service period in 401(k) plan 3 months

Maximum employee contribution as a percentage of compensation 25.00%

Maximum employee contribution per year $ 18,000

Employer matching contributions as a percentage of employee's contribution 50.00%

Percentage of employee's compensation matched by employer 6.00%

Employer contributions charged to expense $ 62,948 59,645

Pentegra Plan

Employee Benefit Plans [Line Items]

Number of collective bargaining agreements under the plan that require contributions | item 0

Pension plan | Pentegra Plan

Employee Benefit Plans [Line Items]

Minimum age required to be eligible to participate in the plan 21 years

Requisite service period 1 year

Pension expense $ 140,729 142,715

Funded percentage 74.37% 75.72%

Total contributions by all employer participants $ 190,751,615 $ 136,477,565

Employer contributions $ 152,078 $ 133,156

Maximum employer contributions as a percentage of the total contributions made by all employer participants 5.00%

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Disclosures About Fair Value of Assets and Liabilities (Details) - USD ($)

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Recurring Measurements

Totals $ 11,713,738 $ 12,718,065

Mortgage servicing rights 83,176 114,193 $ 148,171

U.S. Government and federal agency

Recurring Measurements

Totals 5,924,942 4,939,830

State and political subdivisions

Recurring Measurements

Totals 2,558,886 3,361,085

Mortgage-backed - GSE residential

Recurring Measurements

Totals 2,570,256 3,384,002

Collateralized mortgage obligations - GSE

Recurring Measurements

Totals $ 659,654 $ 1,033,148

Quoted Prices in Active Markets for Identical Assets (Level 1)

Recurring Measurements

Mortgage servicing rights

Significant Other Observable Inputs (Level 2)

Recurring Measurements

Mortgage servicing rights

Significant Unobservable Inputs (Level 3)

Recurring Measurements

Mortgage servicing rights $ 612,290 $ 526,647

Recurring basis | Fair Value

Recurring Measurements

Mortgage servicing rights 83,176 114,193

Recurring basis | Fair Value | U.S. Government and federal agency

Recurring Measurements

Totals 5,924,942 4,939,830

Recurring basis | Fair Value | State and political subdivisions

Recurring Measurements

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Recurring basis | Fair Value | Mortgage-backed - GSE residential

Recurring Measurements

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Recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Mortgage-backed - GSE residential

Recurring Measurements

Totals

Recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Collateralized mortgage obligations - GSE

Recurring Measurements

Totals

Recurring basis | Significant Other Observable Inputs (Level 2)

Recurring Measurements

Mortgage servicing rights

Recurring basis | Significant Other Observable Inputs (Level 2) | U.S. Government and federal agency

Recurring Measurements

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Recurring basis | Significant Other Observable Inputs (Level 2) | State and political subdivisions

Recurring Measurements

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Recurring basis | Significant Other Observable Inputs (Level 2) | Mortgage-backed - GSE residential

Recurring Measurements

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Recurring basis | Significant Other Observable Inputs (Level 2) | Collateralized mortgage obligations - GSE

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Recurring Measurements

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Recurring Measurements

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Recurring Measurements

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Recurring Measurements

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12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Reconciliation of the beginning and ending balances of recurring fair value measurements recognized using significant unobservable (Level 3) inputs

Balance, beginning of year $ 114,193 $ 148,171

Total changes in fair value included in earnings (31,017) (33,978)

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Disclosures About Fair Value of Assets and Liabilities (Details 2) - Nonrecurring basis - USD ($)

Dec. 31, 2015

Dec. 31, 2014

Fair Value | Other real estate owned

Nonrecurring Measurements

Assets measured at fair value $ 202,100 $ 190,000

Fair Value | Collateral-dependent impaired loans, net of ALLL

Nonrecurring Measurements

Assets measured at fair value $ 1,274,372 $ 1,441,487

Quoted Prices in Active Markets for Identical Assets (Level 1) | Other real estate owned

Nonrecurring Measurements

Assets measured at fair value

Quoted Prices in Active Markets for Identical Assets (Level 1) | Collateral-dependent impaired loans, net of ALLL

Nonrecurring Measurements

Assets measured at fair value

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Nonrecurring Measurements

Assets measured at fair value

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Nonrecurring Measurements

Assets measured at fair value

Significant Unobservable Inputs (Level 3) | Other real estate owned

Nonrecurring Measurements

Assets measured at fair value $ 202,100 $ 190,000

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Nonrecurring Measurements

Assets measured at fair value $ 1,274,372 $ 1,441,487

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Disclosures About Fair Value of Assets and Liabilities (Details 3) - Level 3 - USD ($)
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Other real estate owned | Market comparable properties

Quantitative information about unobservable inputs

Fair Value $ 202,100 $ 190,000

Collateral-dependent impaired loans, net of ALLL | Market comparable properties

Quantitative information about unobservable inputs

Fair Value $ 1,274,372 $ 1,441,487

Collateral-dependent impaired loans, net of ALLL | Market comparable properties | Minimum

Quantitative information about unobservable inputs

Marketability discount (as a percent) 10.00% 10.00%

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Quantitative information about unobservable inputs

Marketability discount (as a percent) 15.00% 15.00%

Collateral-dependent impaired loans, net of ALLL | Market comparable properties | Weighted Average

Quantitative information about unobservable inputs

Marketability discount (as a percent) 11.40% 12.00%

Mortgage servicing rights | Discounted cash flow

Quantitative information about unobservable inputs

Fair Value $ 83,176 $ 114,193

Mortgage servicing rights | Discounted cash flow | Minimum

Quantitative information about unobservable inputs

Constant prepayment rate (as a percent) 8.80% 8.50%

Probability of default (as a percent) 1.00% 1.00%

Discount rate (as a percent) 5.60% 7.60%

Mortgage servicing rights | Discounted cash flow | Maximum

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Constant prepayment rate (as a percent) 16.00% 16.00%

Probability of default (as a percent) 8.00% 8.00%

Discount rate (as a percent) 12.00% 13.00%

Mortgage servicing rights | Discounted cash flow | Weighted Average

Quantitative information about unobservable inputs

Constant prepayment rate (as a percent) 11.90% 11.20%

Probability of default (as a percent) 2.90% 2.10%

Discount rate (as a percent) 10.40% 10.40%

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Disclosures About Fair Value of Assets and Liabilities (Details 4) - USD ($)

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Financial assets

Accrued interest receivable $ 314,174 $ 302,777

Mortgage servicing rights 83,176 114,193 $ 148,171

Quoted Prices in Active Markets for Identical Assets (Level 1)

Financial assets

Cash and cash equivalents $ 10,906,893 $ 13,444,597

FHLB Stock

Loans Held-for-sale, Fair Value Disclosure

Loans , net of allowance for loan losses

Accrued interest receivable

Mortgage servicing rights

Financial liabilities

Deposits $ 13,940,853 $ 11,730,674

Federal Home Loan Bank advances

Accrued interest payable

Significant Other Observable Inputs (Level 2)

Financial assets

Cash and cash equivalents

FHLB Stock $ 686,200 $ 1,078,900

Loans Held-for-sale, Fair Value Disclosure $ 48,300

Loans , net of allowance for loan losses

Accrued interest receivable $ 314,174 $ 302,777

Mortgage servicing rights

Financial liabilities

Deposits $ 99,414,003 $ 86,842,438

Federal Home Loan Bank advances 8,063,000 10,098,000

Accrued interest payable $ 6,137 $ 6,256

Significant Unobservable Inputs (Level 3)

Financial assets

Cash and cash equivalents

FHLB Stock

Loans , net of allowance for loan losses $ 107,347,000 $ 89,756,000

Accrued interest receivable

Mortgage servicing rights $ 612,290 $ 526,647

Financial liabilities

Deposits

Federal Home Loan Bank advances

Accrued interest payable

Carrying Amount

Financial assets

Cash and cash equivalents $ 10,906,893 $ 13,444,597

FHLB Stock 686,200 1,078,900

Loans Held-for-sale, Fair Value Disclosure 48,300

Loans , net of allowance for loan losses 106,955,455 89,479,525

Accrued interest receivable 314,174 302,777

Mortgage servicing rights 325,539 317,912

Financial liabilities

Deposits 113,330,856 98,493,112

Federal Home Loan Bank advances 8,000,000 10,000,000

Accrued interest payable $ 6,137 $ 6,256

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Commitments and Credit Risk (Details) - USD ($)

Dec. 31, 2015

Dec. 31, 2014

Commitments and credit risk

Credit commitments $ 0 $ 0

Commitments to extend credit

Commitments and credit risk

Commitments to extend-variable rate 15,520,785 14,687,657

Commitments to extend-fixed rate 3,372,791 5,402,290

Standby letters of credit

Commitments and credit risk

Credit commitments $ 80,000 $ 10,000

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Earnings (Loss) Per Share (Details) - USD ($)
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Earnings Per Share [Abstract]

Net Loss $ 42,138 $ (816,273)

Shares outstanding for basic EPS:

Average shares outstanding 667,898 640,450

Less: Average unearned ESOP shares 50,309 50,245

Average shares outstanding, Total 617,589 590,205

Additional dilutive shares

Shares outstanding for basic and diluted EPS 617,589 590,205

Basic and diluted income (loss) per share (in dollars per share) $ 0.07 $ (1.38)

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Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Assets

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Total assets 135,375,388 122,344,122

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Dec. 31, 2014

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Document and Entity Information - USD ($)	12 Months Ended
Document and Entity Information - USD ($)	Dec. 31, 2015	Mar. 28, 2016	Jun. 30, 2015
Document and Entity Information
Entity Registrant Name	Edgewater Bancorp, Inc.
Entity Central Index Key	0001584770
Trading Symbol	egdw
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Current Fiscal Year End Date	--12-31
Entity Filer Category	Smaller Reporting Company
Entity Well-known Seasoned Issuer	No
Entity Common Stock, Shares Outstanding		667,898
Entity Public Float			$ 7,513,853
Document Type	10-K
Document Period End Date	Dec. 31, 2015
Amendment Flag	false
Document Fiscal Year Focus	2015
Document Fiscal Period Focus	FY

Consolidated Balance Sheets - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Assets
Cash and due from banks	$ 877,780	$ 763,968
Interest-earning demand accounts	10,029,113	12,680,629
Cash and cash equivalents	10,906,893	13,444,597
Available-for-sale securities	11,713,738	12,718,065
Loans held for sale		48,300
Loans receivable, net of allowance for losses of $1,075,374 and $1,075,351, respectively	106,955,455	89,479,525
Premises and equipment, net	3,606,170	3,912,291
Federal Home Loan Bank (FHLB) stock	686,200	1,078,900
Other real estate, net	262,100	467,000
Interest receivable	314,174	302,777
Mortgage servicing right	408,715	432,105
Other assets	521,943	460,562
Total assets	135,375,388	122,344,122
Deposits
Noninterest bearing	13,940,853	11,730,674
Interest-bearing	99,390,003	86,762,438
Total deposits	113,330,856	98,493,112
Federal Home Loan Bank advances	8,000,000	10,000,000
Accrued and other liabilities	672,470	547,550
Total liabilities	$ 122,003,326	$ 109,040,662
Commitments and Contingencies
Temporary Equity
ESOP shares subject to mandatory redemption	$ 46,197	$ 22,193
Stockholders' Equity
Preferred Stock-shares authorized 5,000,000: none issued or outstanding at $.01 par value
Common Stock-shares authorized 50,000,000: shares issued and outstanding 667,898 at $.01 par value	$ 6,679	$ 6,679
Paid-in-capital	4,683,434	4,683,434
Retained earnings	8,650,052	8,607,914
Accumulated other comprehensive loss	(14,300)	(16,760)
Total equity	13,325,865	13,281,267
Total liabilities and stockholders' equity	$ 135,375,388	$ 122,344,122

Consolidated Balance Sheets (Parenthetical) - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Consolidated Balance Sheets
Loans, allowance for losses	$ 1,075,374	$ 1,075,351
Preferred Stock, Shares Authorized	5,000,000	5,000,000
Preferred Stock, Shares Issued	0	0
Preferred Stock, Shares Outstanding	0	0
Preferred Stock, Par or Stated Value Per Share	$ 0.01	$ 0.01
Common stock, shares authorized	50,000,000	50,000,000
Common stock, shares issued	667,898	667,898
Common stock, shares outstanding	667,898	667,898
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01

Consolidated Statements of Operations - USD ($)	12 Months Ended
Consolidated Statements of Operations - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Interest Income
Loans, including fees	$ 4,578,300	$ 3,869,586
Debt securities
Taxable	117,293	146,015
Tax-exempt	44,689	48,688
Federal Home Loan Bank stock	36,735	59,019
Other	18,720	17,231
Total interest income	4,795,737	4,140,539
Interest Expense
Deposits	410,222	386,137
Federal Home Loan Bank advances	125,664	106,463
Total interest expense	535,886	492,600
Net Interest Income	4,259,851	3,647,939
Provision for loan losses	65,000
Net Interest Income After Provision for Loan Losses	4,194,851	3,647,939
Noninterest Income
Service charges, deposits	376,218	382,506
Mortgage banking activities	451,036	253,258
Other	117,181	120,680
Total noninterest income	944,435	756,444
Noninterest Expense
Salaries and employee benefits	2,641,966	2,523,934
Occupancy and equipment	776,886	827,111
Data processing	553,075	526,768
(Gain) loss on sale of other real estate	5,167	(2,266)
Interchange	95,221	79,571
Advertising	73,332	90,520
FDIC insurance premiums	106,764	151,301
Other real estate	27,311	82,223
Professional fees	491,195	576,232
Insurance	59,355	76,371
Other	266,876	288,891
Total noninterest expense	5,097,148	5,220,656
Income (Loss) Before Income Taxes	$ 42,138	$ (816,273)
Provision for Income Taxes
Net Income (Loss)	$ 42,138	$ (816,273)
Basic and Diluted Income (Loss) Per Share (in dollars per share)	$ 0.07	$ (1.38)

Consolidated Statements of Comprehensive Income (Loss) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Consolidated Statements of Comprehensive Loss
Net Income (Loss)	$ 42,138	$ (816,273)
Other Comprehensive Income
Net change in unrealized gains on investment securities available for sale	$ 2,460	$ 118,496
Less: reclassification adjustment for realized gains (losses) included in net income (loss)
Other comprehensive income before income tax	$ 2,460	$ 118,496
Tax expense (benefit), net of deferred tax asset valuation impact of ($836) and ($40,289), respectively
Comprehensive Income (Loss)	$ 44,598	$ (697,777)

Consolidated Statements of Changes in Equity - USD ($)	Common Stock	Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Loss	Total
Balance at Dec. 31, 2013			$ 9,424,187	$ (135,256)	$ 9,288,931
Balance (in shares) at Dec. 31, 2013
Increase (Decrease) in Equity
Issuance of common stock, net of offering costs	$ 6,679	$ 4,683,434			4,690,113
Issuance of common stock, net of offering costs (in shares)	667,898
Net Income (Loss)			(816,273)		(816,273)
Other comprehensive income (loss)				118,496	118,496
Balance at Dec. 31, 2014	$ 6,679	4,683,434	8,607,914	(16,760)	$ 13,281,267
Balance (in shares) at Dec. 31, 2014	667,898				667,898
Increase (Decrease) in Equity
Net Income (Loss)			42,138		$ 42,138
Other comprehensive income (loss)				2,460	2,460
Balance at Dec. 31, 2015	$ 6,679	$ 4,683,434	$ 8,650,052	$ (14,300)	$ 13,325,865
Balance (in shares) at Dec. 31, 2015	667,898				667,898

Consolidated Statement of Cash Flows - USD ($)	12 Months Ended
Consolidated Statement of Cash Flows - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Operating Activities
Net income (loss)	$ 42,138	$ (816,273)
Items not requiring (providing) cash
Depreciation and amortization	430,079	466,839
Provision for loan losses	65,000
Net amortization of available-for-sale securities	97,367	116,047
ESOP shares earned	24,004	22,193
Change in fair value of mortgage servicing rights	31,017	33,978
(Gain) loss on sale of other real estate	5,167	(2,266)
Amortization of mortgage servicing rights	123,011	106,819
Loans originated for sale	(14,701,610)	(6,887,612)
Proceeds from loans sold	14,898,145	6,921,030
Gain on sale of loans	(278,873)	(141,450)
(Gain) loss on sale of premises and equipment	(6,424)	18,631
Change in
Interest receivable and other assets	(72,779)	37,639
Interest payable and other liabilities	124,920	(142,906)
Net cash provided by (used in) operating activities	781,162	(267,331)
Investing Activities
Purchases of available-for-sale securities	(999,000)
Proceeds from calls and maturities of available-for-sale securities	1,908,420	2,877,924
Proceeds sale of FHLB Stock	392,700	329,300
Net change in loans	(17,639,930)	(3,774,831)
Proceeds from sale of other real estate	298,733	1,091,406
Payment for sale of branch, net		(13,327,513)
Proceeds from sale of premises and equipment	47,035	220,823
Purchases of premises and equipment	(164,569)	(144,894)
Net cash used in investing activities	(16,156,611)	(12,727,785)
Financing Activities
Net change in deposits	14,837,745	3,749,599
Proceeds from stock conversion escrow		2,368,038
Proceeds from short term Federal Home Loan Bank advances	11,100,000	3,000,000
Proceeds from long term Federal Home Loan Bank advances		8,000,000
Repayment of short term Federal Home Loan Bank advances	(13,100,000)	(1,000,000)
Net cash provided by financing activities	12,837,745	16,117,637
Net Change in Cash and Cash Equivalents	(2,537,704)	3,122,521
Cash and Cash Equivalents, Beginning of Year	13,444,597	10,322,076
Cash and Cash Equivalents, End of Period	10,906,893	13,444,597
Additional Cash Flows Information:
Interest paid	536,005	487,376
Loans transferred to other real estate	99,000	387,344
Capitalization of mortgage serving rights	$ 130,638	$ 59,732

Restriction on Cash and Due From Banks	12 Months Ended
Restriction on Cash and Due From Banks	Dec. 31, 2015
Restriction on Cash and Due From Banks
Restriction on Cash and Due From Banks	Note 2: Restriction on Cash and Due From Banks The Company is required to maintain reserve funds in cash and/or on deposit with the Federal Reserve Bank. The reserve required was $757,000 and $486,000 at December 31, 2015 and 2014, respectively.

Significant Estimates and Concentrations	12 Months Ended
Significant Estimates and Concentrations	Dec. 31, 2015
Significant Estimates and Concentrations
Significant Estimates and Concentrations	Note 13: Significant Estimates and Concentrations Accounting principles generally accepted in the United States of America require disclosure of certain significant estimates and current vulnerabilities due to certain concentrations. Estimates related to the allowance for loan losses are reflected in the footnote regarding loans. Current vulnerabilities due to certain concentrations of credit risk are discussed in the footnote on commitments and credit risk. Significant estimates associated with financial instruments are discussed in the footnote on fair value of financial instruments.

Recent Accounting Pronouncements	12 Months Ended
Recent Accounting Pronouncements	Dec. 31, 2015
Recent Accounting Pronouncements
Recent Accounting Pronouncements	Note 15: Recent Accounting Pronouncements In May 2014, the FASB issued ASU2014-09, “Revenue from contracts with Customers” (Topic 606) ASU 2014-09 supersedes the revenue recognition requirements in ASC 605, Revenue Recognition, and is based on the principle that revenue is recognized to depict the transfer of goods or services to customers in an amount that reflects consideration to which the entity expects to be entitled in exchange for those goods and services. The ASU also requires additional disclosure about the nature, amount, timing and uncertainty of revenue and cash flows arising from customer contracts, including significant judgments and changes in judgments and assets recognized from costs incurred to obtain or fulfill a contract. This guidance is effective prospectively for the Company for annual and interim periods beginning after December 15, 2017. The Company is currently evaluating the effect the guidance will have on the Company’s consolidated financial statements. In April 2015, the Financial Accounting Standards Board (FASB) issued ASU2015-03 “Interest-imputation of interest” (Subtopic 835-30) simplifies the presentation of debt issuance costs by requiring that debt issuance costs be presented in the balance sheet as a direct deduction from the carrying amount of debt liability, consistent with debt discounts or premiums. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this update. This update will be effective for interim and annual periods beginning after December 15, 2015, and is to be applied retrospectively. The adoption of this guidance is not expected to have a significant effect on the Company’s consolidated financial statements. In September 2015, the FASB issued ASU 2015-16, “Business Combinations: Simplifying the Accounting for Measurement — Period Adjustments (Topic 805)”. The amendments clarify that an acquirer recognizes adjustments to provisional amounts that are identified during the measurement period in the reporting period in which the adjustment amounts are determined. The acquirer needs to record, in the same period’s financial statements, the effect of changes in depreciation, amortization, or other income as a result of the change to the provisional amounts as if the accounting had been completed at the acquisition date. This amendment requires an entity to present separately on the face of the income statement or disclose in the notes the portion of the amount recorded in current period earnings by line item as if the provisional adjustments had been recognized as of the acquisition date. This guidance is effective for annual and interim periods beginning after December 15, 2015. The adoption of the guidance is not expected to have a significant effect on the Company’s consolidated financial statements. In January 2016, the FASB issued ASU 2016-1, “Financial Instruments — Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities”. This guidance addresses certain aspects of recognition, measurement, presentation and disclosure of financial instruments. The primary focus of this guidance is to supersede the guidance to classify equity securities with readily determinable fair values into different categories (trading or available-for-sale) and requires equity securities to be measured at fair value with changes in the fair value recognized through net income. This guidance requires adoption through a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption. This ASU is effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. Early adoption is permitted for all companies in any interim or annual period. The Company is currently evaluating the effect the guidance will have on the Company’s consolidated financial statements.

Plan of Conversion and Change in Corporate Form	12 Months Ended
Plan of Conversion and Change in Corporate Form	Dec. 31, 2015
Plan of Conversion and Change in Corporate Form
Plan of Conversion and Change in Corporate Form	Note 18: Plan of Conversion and Change in Corporate Form On January 16, 2014, the Bank converted into a stock savings bank structure with the establishment of a stock holding company, Edgewater Bancorp, Inc. (Company), as parent of the Bank. The Bank converted to the stock form of ownership, followed by the issuance of all of the Bank’s outstanding stock to the Company. A total of 667,898 shares of the Company were issued at $10.00 per share for total gross offering proceeds of $6,678,980. In addition, the Banks’s Board of Directors adopted an employee stock ownership plan (ESOP) which subscribed for 8% of the common stock sold in the offering, for a total of $534,310. The Company is incorporated under the laws of the State of Maryland and owns all of the outstanding common stock of the Company. The conversion costs of issuing the common stock, approximately $1,455,000, were deducted from the sales proceeds of the offering. In accordance with federal regulations, at the time of the conversion, the Company established a parallel liquidation account. The liquidation account will be maintained for the benefit of eligible account holders who continue to maintain their accounts at the Bank after conversion. The liquidation account will be reduced annually to the extent that eligible account holders have reduced their qualifying deposits. Subsequent increases will not restore an eligible account holder’s interest in the liquidation account. In the event of a complete liquidation of the Bank, and only in such event, each eligible account holder will be entitled to receive a distribution from the liquidation account in an amount proportionate to the adjusted qualifying account balances then held. The Bank may not pay dividends if those dividends would reduce equity capital below the required liquidation account amount. The conversion was accounted for as a change in corporate form with the historic basis of the Company’s assets, liabilities and equity unchanged as a result.

Nature of Operations and Summary of Significant Accounting Policies - Estimated useful lives for premises and equipment (Details)	12 Months Ended
	Dec. 31, 2015
Buildings
Property, Plant and Equipment [Line Items]
Estimated useful lives	39 years
Building and land improvements
Property, Plant and Equipment [Line Items]
Estimated useful lives	10 years
Furniture, fixtures and equipment
Property, Plant and Equipment [Line Items]
Estimated useful lives	3- 7 years

Nature of Operations and Summary of Significant Accounting Policies (Detail Textuals)		1 Months Ended
	Jan. 16, 2014 $ / shares shares	Jan. 16, 2014 USD ($) $ / shares shares
Nature Of Operations And Summary Of Significant Accounting Policies [Line Items]
Shares issued to new company \| shares	667,898
Issue price of common stock (in dollars per share) \| $ / shares	$ 10.00	$ 10.00
Plan of Conversion and Reorganization
Nature Of Operations And Summary Of Significant Accounting Policies [Line Items]
Shares issued to new company \| shares		667,898
Issue price of common stock (in dollars per share) \| $ / shares	$ 10	$ 10
Offering costs \| $		$ 1,455,000
Proceeds from Issuance of Common Stock \| $		$ 4,690,000
Shares of common stock purchased under employee stock ownership plan (in shares) \| shares		53,431
Purchase price (in dollars per share) \| $ / shares		$ 10

Nature of Operations and Summary of Significant Accounting Policies (Detail Textuals 1)	12 Months Ended
	Dec. 31, 2015 USD ($) item	Dec. 31, 2014 USD ($)
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Cash equivalents	$ 0	$ 0
Number of cash accounts of the company at nonfederal government or governmental related entities, which exceeded federally insured limits \| item	0
Federally insured limits per covered institution	$ 250,000
Minimum period of performance criterion for nonaccrual loans including TDRs	6 months

Restriction on Cash and Due From Banks (Details) - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Restriction on Cash and Due From Banks
Reserve required	$ 757,000	$ 486,000

Securities (Details) - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Amortized cost and approximate fair values of investment securities
Amortized Cost	$ 11,728,038	$ 12,734,825
Gross Unrealized Gains	29,665	69,387
Gross Unrealized Losses	43,965	86,147
Fair Value	11,713,738	12,718,065
U.S. Government and federal agency
Amortized cost and approximate fair values of investment securities
Amortized Cost	5,952,239	5,002,617
Gross Unrealized Gains	925	3,230
Gross Unrealized Losses	28,222	66,017
Fair Value	5,924,942	4,939,830
State and political subdivisions
Amortized cost and approximate fair values of investment securities
Amortized Cost	2,555,544	3,354,828
Gross Unrealized Gains	8,357	20,436
Gross Unrealized Losses	5,015	14,179
Fair Value	2,558,886	3,361,085
Mortgage-backed - GSE-residential Sponsored Enterprise (GSE)-residential
Amortized cost and approximate fair values of investment securities
Amortized Cost	2,566,762	3,357,163
Gross Unrealized Gains	14,222	32,790
Gross Unrealized Losses	10,728	5,951
Fair Value	2,570,256	3,384,002
Collateralized mortgage obligations - GSE
Amortized cost and approximate fair values of investment securities
Amortized Cost	653,493	1,020,217
Gross Unrealized Gains	$ 6,161	$ 12,931
Gross Unrealized Losses
Fair Value	$ 659,654	$ 1,033,148

Securities (Details 1) - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Amortized Cost
Within one year	$ 1,000,596
After one through five years	7,507,187
Total	8,507,783
Totals	11,728,038	$ 12,734,825
Fair Value
Within one year	1,004,319
After one through five years	7,479,509
Total	8,483,828
Totals	11,713,738	12,718,065
Mortgage-backed - GSE residential
Amortized Cost
Totals	2,566,762	3,357,163
Fair Value
Totals	2,570,256	3,384,002
Collateralized debt obligations
Amortized Cost
Totals	653,493	1,020,217
Fair Value
Totals	$ 659,654	$ 1,033,148

Securities (Details 2) - USD ($)	12 Months Ended
Securities (Details 2) - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Fair Value
Less than 12 Months	$ 5,126,879	$ 2,086,217
12 Months or More	1,485,364	3,980,564
Total	6,612,243	6,066,781
Gross Unrealized Losses
Less than 12 Months	30,384	8,555
12 Months or Longer	13,581	77,592
Total	43,965	$ 86,147
U.S. Government and federal agency
Fair Value
Less than 12 Months	3,524,074
12 Months or More	990,379	$ 3,492,139
Total	4,514,453	$ 3,492,139
Gross Unrealized Losses
Less than 12 Months	19,656
12 Months or Longer	8,566	$ 66,017
Total	$ 28,222	66,017
State and political subdivisions
Fair Value
Less than 12 Months		804,572
12 Months or More	$ 494,985	488,425
Total	$ 494,985	1,292,997
Gross Unrealized Losses
Less than 12 Months		2,604
12 Months or Longer	$ 5,015	11,575
Total	5,015	14,179
Mortgage-backed - GSE residential
Fair Value
Less than 12 Months	$ 1,602,805	$ 1,281,645
12 Months or More
Total	$ 1,602,805	$ 1,281,645
Gross Unrealized Losses
Less than 12 Months	$ 10,728	$ 5,951
12 Months or Longer
Total	$ 10,728	$ 5,951

Securities (Detail Textuals) - USD ($)	12 Months Ended
Securities (Detail Textuals) - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Securities
Carrying value of securities pledged as collateral to secure public deposits and for other purposes	$ 246,401	$ 345,931
Sales of securities available for sale	0	0
Debt securities reported at an amount less than their historical cost	$ 6,612,243	$ 6,066,781
Debt securities reported at an amount less than their historical cost as a percentage of the company's investment portfolio	56.00%	48.00%

Loans and Allowance for Loan Losses (Details) - USD ($)	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan losses	$ 1,075,374	$ 1,075,351
Total loans, net	106,955,455	89,479,525
Loans Receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	108,004,638	90,537,819
Net deferred loan costs	(26,191)	(17,057)
Allowance for loan losses	1,075,374	1,075,351	$ 1,061,141
Total loans, net	106,955,455	89,479,525
Loans Receivable \| Total real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	79,752,286	74,785,542
Loans Receivable \| Residential 1- 4 family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	45,402,431	45,353,599
Allowance for loan losses	337,230	222,618	188,325
Loans Receivable \| Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	32,374,013	27,908,662
Loans Receivable \| Construction and Land
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	1,975,842	1,523,281
Loans Receivable \| Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	8,147,480	5,536,805
Allowance for loan losses	69,337	$ 248,388	$ 138,268
Loans Receivable \| Warehouse line
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	10,000,000
Allowance for loan losses	60,787
Loans Receivable \| Total consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	10,104,872	$ 10,215,472
Allowance for loan losses	103,997	100,724	$ 147,217
Loans Receivable \| Home equity loans and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	9,003,016	9,331,608
Loans Receivable \| Other consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 1,101,856	$ 883,864

Loans and Allowance for Loan Losses (Details 1) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Allowance for loan losses
Balance, beginning of year	$ 1,075,351
Provision (credit) for loan losses	65,000
Balance, end of year	1,075,374	$ 1,075,351
Loans Receivable
Allowance for loan losses
Balance, beginning of year	1,075,351	$ 1,061,141
Provision (credit) for loan losses	65,000
Loans charged to the allowance	(81,242)	$ (100,354)
Recoveries of loans previously charged off	16,265	114,564
Balance, end of year	1,075,374	1,075,351
Ending balance: individually evaluated for impairment	14,643	17,502
Ending balance: collectively evaluated for impairment	1,060,731	1,057,849
Loans:
Ending balance	108,004,638	90,537,819
Ending balance individually evaluated for impairment	2,489,745	4,236,694
Ending balance collectively evaluated for impairment	105,514,893	86,301,125
Loans Receivable \| Residential 1- 4 family
Allowance for loan losses
Balance, beginning of year	222,618	188,325
Provision (credit) for loan losses	101,517	58,217
Loans charged to the allowance	(570)	(27,134)
Recoveries of loans previously charged off	13,665	3,210
Balance, end of year	337,230	222,618
Ending balance: individually evaluated for impairment	13,969	16,325
Ending balance: collectively evaluated for impairment	323,261	206,293
Loans:
Ending balance	45,402,431	45,353,599
Ending balance individually evaluated for impairment	2,051,278	2,727,712
Ending balance collectively evaluated for impairment	43,351,153	42,625,887
Loans Receivable \| Commercial Real Estate
Allowance for loan losses
Balance, beginning of year	503,621	587,331
Provision (credit) for loan losses	59,817	$ (174,664)
Loans charged to the allowance	(62,015)
Recoveries of loans previously charged off	2,600	$ 90,954
Balance, end of year	504,023	503,621
Ending balance: individually evaluated for impairment	302	644
Ending balance: collectively evaluated for impairment	503,721	502,977
Loans:
Ending balance	34,349,855	29,431,943
Ending balance individually evaluated for impairment	315,658	1,356,103
Ending balance collectively evaluated for impairment	34,034,197	28,075,840
Loans Receivable \| Commercial and Industrial
Allowance for loan losses
Balance, beginning of year	248,388	138,268
Provision (credit) for loan losses	$ (179,051)	$ 110,120
Loans charged to the allowance
Recoveries of loans previously charged off
Balance, end of year	$ 69,337	$ 248,388
Ending balance: individually evaluated for impairment
Ending balance: collectively evaluated for impairment	$ 69,337	$ 248,388
Loans:
Ending balance	$ 8,147,480	$ 5,536,805
Ending balance individually evaluated for impairment
Ending balance collectively evaluated for impairment	$ 8,147,480	$ 5,536,805
Loans Receivable \| Warehouse line
Allowance for loan losses
Balance, beginning of year
Provision (credit) for loan losses	$ 60,787
Loans charged to the allowance
Recoveries of loans previously charged off
Balance, end of year	$ 60,787
Ending balance: individually evaluated for impairment
Ending balance: collectively evaluated for impairment	$ 60,787
Loans:
Ending balance	$ 10,000,000
Ending balance individually evaluated for impairment
Ending balance collectively evaluated for impairment	$ 10,000,000
Loans Receivable \| Consumer
Allowance for loan losses
Balance, beginning of year	100,724	$ 147,217
Provision (credit) for loan losses	21,930	6,327
Loans charged to the allowance	$ (18,657)	(73,220)
Recoveries of loans previously charged off		20,400
Balance, end of year	$ 103,997	100,724
Ending balance: individually evaluated for impairment	372	533
Ending balance: collectively evaluated for impairment	103,625	100,191
Loans:
Ending balance	10,104,872	10,215,472
Ending balance individually evaluated for impairment	122,809	152,879
Ending balance collectively evaluated for impairment	$ 9,982,063	$ 10,062,593

Loans and Allowance for Loan Losses (Details 2) - Loans Receivable - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Total	$ 108,004,638	$ 90,537,819
Pass
Financing Receivable, Recorded Investment [Line Items]
Total	105,095,016	87,431,481
Special mention
Financing Receivable, Recorded Investment [Line Items]
Total	1,553,936	219,157
Substandard
Financing Receivable, Recorded Investment [Line Items]
Total	$ 1,355,686	$ 2,887,181
Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total
Loss
Financing Receivable, Recorded Investment [Line Items]
Total
Residential 1 - 4 Family
Financing Receivable, Recorded Investment [Line Items]
Total	$ 45,402,431	$ 45,353,599
Residential 1 - 4 Family \| Pass
Financing Receivable, Recorded Investment [Line Items]
Total	$ 44,838,588	$ 44,618,696
Residential 1 - 4 Family \| Special mention
Financing Receivable, Recorded Investment [Line Items]
Total
Residential 1 - 4 Family \| Substandard
Financing Receivable, Recorded Investment [Line Items]
Total	$ 563,843	$ 734,903
Residential 1 - 4 Family \| Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total
Residential 1 - 4 Family \| Loss
Financing Receivable, Recorded Investment [Line Items]
Total
Commercial Real Estate
Financing Receivable, Recorded Investment [Line Items]
Total	$ 32,374,013	$ 27,908,662
Commercial Real Estate \| Pass
Financing Receivable, Recorded Investment [Line Items]
Total	30,037,894	25,726,754
Commercial Real Estate \| Special mention
Financing Receivable, Recorded Investment [Line Items]
Total	1,553,936	219,157
Commercial Real Estate \| Substandard
Financing Receivable, Recorded Investment [Line Items]
Total	$ 782,183	$ 1,962,751
Commercial Real Estate \| Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total
Commercial Real Estate \| Loss
Financing Receivable, Recorded Investment [Line Items]
Total
Construction and Land
Financing Receivable, Recorded Investment [Line Items]
Total	$ 1,975,842	$ 1,523,281
Construction and Land \| Pass
Financing Receivable, Recorded Investment [Line Items]
Total	$ 1,966,182	$ 1,344,107
Construction and Land \| Special mention
Financing Receivable, Recorded Investment [Line Items]
Total
Construction and Land \| Substandard
Financing Receivable, Recorded Investment [Line Items]
Total	$ 9,660	$ 179,174
Construction and Land \| Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total
Construction and Land \| Loss
Financing Receivable, Recorded Investment [Line Items]
Total
Commercial and Industrial
Financing Receivable, Recorded Investment [Line Items]
Total	$ 8,147,480	$ 5,536,805
Commercial and Industrial \| Pass
Financing Receivable, Recorded Investment [Line Items]
Total	$ 8,147,480	$ 5,536,805
Commercial and Industrial \| Special mention
Financing Receivable, Recorded Investment [Line Items]
Total
Commercial and Industrial \| Substandard
Financing Receivable, Recorded Investment [Line Items]
Total
Commercial and Industrial \| Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total
Commercial and Industrial \| Loss
Financing Receivable, Recorded Investment [Line Items]
Total
Warehouse line
Financing Receivable, Recorded Investment [Line Items]
Total	$ 10,000,000
Warehouse line \| Pass
Financing Receivable, Recorded Investment [Line Items]
Total	$ 10,000,000
Warehouse line \| Special mention
Financing Receivable, Recorded Investment [Line Items]
Total
Warehouse line \| Substandard
Financing Receivable, Recorded Investment [Line Items]
Total
Warehouse line \| Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total
Warehouse line \| Loss
Financing Receivable, Recorded Investment [Line Items]
Total
Home Equity
Financing Receivable, Recorded Investment [Line Items]
Total	$ 9,003,016	$ 9,331,608
Home Equity \| Pass
Financing Receivable, Recorded Investment [Line Items]
Total	$ 9,003,016	$ 9,321,255
Home Equity \| Special mention
Financing Receivable, Recorded Investment [Line Items]
Total
Home Equity \| Substandard
Financing Receivable, Recorded Investment [Line Items]
Total		$ 10,353
Home Equity \| Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total
Home Equity \| Loss
Financing Receivable, Recorded Investment [Line Items]
Total
Other Consumer
Financing Receivable, Recorded Investment [Line Items]
Total	$ 1,101,856	$ 883,864
Other Consumer \| Pass
Financing Receivable, Recorded Investment [Line Items]
Total	$ 1,101,856	$ 883,864
Other Consumer \| Special mention
Financing Receivable, Recorded Investment [Line Items]
Total
Other Consumer \| Substandard
Financing Receivable, Recorded Investment [Line Items]
Total
Other Consumer \| Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total
Other Consumer \| Loss
Financing Receivable, Recorded Investment [Line Items]
Total

Loans and Allowance for Loan Losses (Details 3) - Loans Receivable - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 2,228,080	$ 2,598,323
Current	105,776,558	87,939,496
Total Loans	$ 108,004,638	$ 90,537,819
Total Loans > 90 Days & Accruing
30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 1,305,902	$ 1,241,620
60 - 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	348,712	589,475
Greater Than 90 Days
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	573,466	767,228
Residential 1- 4 family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,992,469	2,440,517
Current	43,409,962	42,913,082
Total Loans	$ 45,402,431	$ 45,353,599
Total Loans > 90 Days & Accruing
Residential 1- 4 family \| 30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 1,124,518	$ 1,147,797
Residential 1- 4 family \| 60 - 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	312,454	557,817
Residential 1- 4 family \| Greater Than 90 Days
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	555,497	734,903
Commercial real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	9,715	11,782
Current	32,364,298	27,896,880
Total Loans	$ 32,374,013	$ 27,908,662
Total Loans > 90 Days & Accruing
Commercial real estate \| 30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 9,715	$ 11,782
Commercial real estate \| 60 - 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Commercial real estate \| Greater Than 90 Days
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Construction and Land
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 32,778	$ 49,789
Current	1,943,064	1,473,492
Total Loans	$ 1,975,842	$ 1,523,281
Total Loans > 90 Days & Accruing
Construction and Land \| 30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		$ 27,817
Construction and Land \| 60 - 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 23,118
Construction and Land \| Greater Than 90 Days
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	9,660	$ 21,972
Commercial and industrial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	99,541
Current	8,047,939	$ 5,536,805
Total Loans	$ 8,147,480	$ 5,536,805
Total Loans > 90 Days & Accruing
Commercial and industrial \| 30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 99,541
Commercial and industrial \| 60 - 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Commercial and industrial \| Greater Than 90 Days
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Warehouse line
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Current	$ 10,000,000
Total Loans	$ 10,000,000
Total Loans > 90 Days & Accruing
Warehouse line \| 30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Warehouse line \| 60 - 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Warehouse line \| Greater Than 90 Days
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Home equity
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 90,725	$ 90,178
Current	8,912,291	9,241,430
Total Loans	$ 9,003,016	$ 9,331,608
Total Loans > 90 Days & Accruing
Home equity \| 30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 72,128	$ 54,224
Home equity \| 60 - 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	10,288	25,601
Home equity \| Greater Than 90 Days
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	8,309	10,353
Other Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2,852	6,057
Current	1,099,004	877,807
Total Loans	$ 1,101,856	$ 883,864
Total Loans > 90 Days & Accruing
Other Consumer \| 30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Other Consumer \| 60 - 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 2,852	$ 6,057
Other Consumer \| Greater Than 90 Days
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due

Loans and Allowance for Loan Losses (Details 4) - Loans Receivable - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Impaired loans without a specific allowance:
Recorded investment	$ 1,200,730	$ 2,777,705
Unpaid principal balance	1,273,981	2,993,937
Impaired loans with a specific allowance:
Recorded investment	1,289,015	1,458,989
Unpaid principal balance	1,352,557	1,511,931
Specific allowance	14,643	17,502
Total impaired loans:
Recorded investment	2,489,745	4,236,694
Unpaid principal balance	2,626,538	4,505,868
Specific allowance	14,643	17,502
Residential 1 - 4 Family
Impaired loans without a specific allowance:
Recorded investment	848,467	1,396,878
Unpaid principal balance	921,718	1,475,218
Impaired loans with a specific allowance:
Recorded investment	1,202,811	1,330,834
Unpaid principal balance	1,259,063	1,373,484
Specific allowance	13,969	16,325
Total impaired loans:
Recorded investment	2,051,278	2,727,712
Unpaid principal balance	2,180,781	2,848,702
Specific allowance	13,969	16,325
Commercial Real Estate
Impaired loans without a specific allowance:
Recorded investment	273,166	1,003,575
Unpaid principal balance	273,166	1,121,615
Impaired loans with a specific allowance:
Recorded investment	9,715	11,782
Unpaid principal balance	11,111	12,700
Specific allowance	129	46
Total impaired loans:
Recorded investment	282,881	1,015,357
Unpaid principal balance	284,277	1,134,315
Specific allowance	$ 129	46
Construction and Land
Impaired loans without a specific allowance:
Recorded investment		290,956
Unpaid principal balance		304,827
Impaired loans with a specific allowance:
Recorded investment	$ 32,777	49,790
Unpaid principal balance	36,696	56,120
Specific allowance	173	598
Total impaired loans:
Recorded investment	32,777	340,746
Unpaid principal balance	36,696	360,947
Specific allowance	$ 173	$ 598
Commercial and industrial
Impaired loans without a specific allowance:
Recorded investment
Unpaid principal balance
Impaired loans with a specific allowance:
Recorded investment
Unpaid principal balance
Specific allowance
Total impaired loans:
Recorded investment
Unpaid principal balance
Specific allowance
Warehouse line
Impaired loans without a specific allowance:
Recorded investment
Unpaid principal balance
Impaired loans with a specific allowance:
Recorded investment
Unpaid principal balance
Specific allowance
Total impaired loans:
Recorded investment
Unpaid principal balance
Specific allowance
Home Equity
Impaired loans without a specific allowance:
Recorded investment	$ 79,097	$ 86,296
Unpaid principal balance	79,097	92,277
Impaired loans with a specific allowance:
Recorded investment	43,712	66,583
Unpaid principal balance	45,687	69,627
Specific allowance	372	533
Total impaired loans:
Recorded investment	122,809	152,879
Unpaid principal balance	124,784	161,904
Specific allowance	$ 372	$ 533

Loans and Allowance for Loan Losses (Details 5) - Loans Receivable - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Impaired [Line Items]
Average recorded investment in impaired loans	$ 2,376,746	$ 3,940,135
Interest income recognized	42,082	61,499
Interest income recognized on a cash basis	41,740	61,365
Residential 1 - 4 Family
Financing Receivable, Impaired [Line Items]
Average recorded investment in impaired loans	1,920,676	2,394,222
Interest income recognized	23,914	38,882
Interest income recognized on a cash basis	23,798	38,748
Commercial Real Estate
Financing Receivable, Impaired [Line Items]
Average recorded investment in impaired loans	290,494	1,078,123
Interest income recognized	15,554	16,369
Interest income recognized on a cash basis	15,328	16,369
Construction and Land
Financing Receivable, Impaired [Line Items]
Average recorded investment in impaired loans	$ 38,295	330,360
Interest income recognized		5,945
Interest income recognized on a cash basis		$ 5,945
Commercial and Industrial
Financing Receivable, Impaired [Line Items]
Average recorded investment in impaired loans
Interest income recognized
Interest income recognized on a cash basis
Warehouse line
Financing Receivable, Impaired [Line Items]
Average recorded investment in impaired loans
Interest income recognized
Interest income recognized on a cash basis
Home Equity
Financing Receivable, Impaired [Line Items]
Average recorded investment in impaired loans	$ 127,281	$ 137,430
Interest income recognized	2,614	303
Interest income recognized on a cash basis	$ 2,614	$ 303

Loans and Allowance for Loan Losses (Details 6) - Loans Receivable - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$ 1,320,109	$ 2,898,183
Residential 1- 4 family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	1,233,905	1,811,649
Commercial real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	9,715	729,032
Construction and Land
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$ 32,777	$ 206,991
Commercial and industrial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total
Warehouse line
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total
Home equity
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$ 43,712	$ 150,511
Other consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total

Loans and Allowance for Loan Losses (Details 7) - Loans Receivable [Member]	12 Months Ended
	Dec. 31, 2015 USD ($) Loan	Dec. 31, 2014 USD ($) Loan
Financing Receivable, Modifications [Line Items]
Number of Loans \| Loan		3
Pre-Modification Recorded Balance		$ 418,350
Post-Modification Recorded Balance		$ 418,350
Residential 1- 4 family
Financing Receivable, Modifications [Line Items]
Number of Loans \| Loan		3
Pre-Modification Recorded Balance		$ 418,350
Post-Modification Recorded Balance		$ 418,350
Commercial real estate
Financing Receivable, Modifications [Line Items]
Number of Loans \| Loan
Pre-Modification Recorded Balance
Post-Modification Recorded Balance
Construction and Land
Financing Receivable, Modifications [Line Items]
Number of Loans \| Loan
Pre-Modification Recorded Balance
Post-Modification Recorded Balance
Commercial and industrial
Financing Receivable, Modifications [Line Items]
Number of Loans \| Loan
Pre-Modification Recorded Balance
Post-Modification Recorded Balance
Warehouse line
Financing Receivable, Modifications [Line Items]
Number of Loans \| Loan
Pre-Modification Recorded Balance
Post-Modification Recorded Balance
Home equity
Financing Receivable, Modifications [Line Items]
Number of Loans \| Loan
Pre-Modification Recorded Balance
Post-Modification Recorded Balance
Other consumer
Financing Receivable, Modifications [Line Items]
Number of Loans \| Loan
Pre-Modification Recorded Balance
Post-Modification Recorded Balance

Loans and Allowance for Loan Losses (Details 10) - Loans Receivable - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Loans and Leases Receivable, Related Parties [Roll Forward]
Balance, January 1,	$ 1,746,535	$ 96,059
New loans and advances on lines	535,893	1,043,733
Repayments	(540,712)	(667,229)
Other, newly established related party	648,108	1,273,972
Balance, December 31,	2,389,824	1,746,535
Balance available on lines of credit or loan commitments	$ 290,558	$ 558,191

Premises and Equipment (Details) - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Premises and equipment
Total cost	$ 9,026,779	$ 9,349,073
Accumulated depreciation	(5,420,609)	(5,436,782)
Net premises and equipment	3,606,170	3,912,291
Land
Premises and equipment
Total cost	864,420	864,420
Land improvements
Premises and equipment
Total cost	322,809	322,809
Buildings and improvements
Premises and equipment
Total cost	4,513,402	4,509,902
Furniture, fixtures, and equipment
Premises and equipment
Total cost	$ 3,326,148	$ 3,651,942

Loan Servicing (Details) - USD ($)	12 Months Ended
Loan Servicing (Details) - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Activity pertaining to mortgage servicing rights measured using the amortization method, along with the aggregate activity in related valuation allowances
Balance, beginning of year	$ 317,912	$ 364,999
Additions	130,638	59,732
Amortization	(123,011)	(106,819)
Balance, end of year	325,539	317,912
Fair value as of the beginning of the year	526,647	543,975
Fair value as of the end of year	$ 612,290	$ 526,647