0001144204-18-058741.txt : 20181109 0001144204-18-058741.hdr.sgml : 20181109 20181109160727 ACCESSION NUMBER: 0001144204-18-058741 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 59 CONFORMED PERIOD OF REPORT: 20180930 FILED AS OF DATE: 20181109 DATE AS OF CHANGE: 20181109 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Eagle Financial Bancorp, Inc. CENTRAL INDEX KEY: 0001699018 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 000000000 STATE OF INCORPORATION: MD FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 001-38162 FILM NUMBER: 181173150 BUSINESS ADDRESS: STREET 1: 6415 BRIDGETOWN ROAD CITY: CINCINNATI STATE: OH ZIP: 45248 BUSINESS PHONE: (513) 574-0700 MAIL ADDRESS: STREET 1: 6415 BRIDGETOWN ROAD CITY: CINCINNATI STATE: OH ZIP: 45248 10-Q 1 tv506042_10q.htm FORM 10-Q

 

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D. C. 20549

 

FORM 10-Q

 

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

 

For the quarterly period ended                           September 30, 2018                          

 

OR

 

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

 

For the transition period from _______________ to _______________

 

Commission File No. 001-38162

 

Eagle Financial Bancorp, Inc.

 

(Exact name of registrant as specified in its charter)

 

Maryland   (82-1340349)
(State or other jurisdiction of   (I.R.S. Employer Identification No.)
incorporation or organization)    

 

6415 Bridgetown Road, Cincinnati, OH 45248

 

(Address of principal executive office)

 

Registrant’s telephone number, including area code: (513) 574-0700

 

N/A

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

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Sections 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports) and (2) has been subject to such filing requirements for the past 90 days.

 

Yes x          No ¨

 

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).

 

Yes x          No ¨

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

 

Large accelerated filer ¨ Accelerated filer   ¨
Non-accelerated filer x    
Smaller reporting company x    
Emerging growth company   x    

 

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

 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

 

Yes ¨          No x

 

There were 1,625,708 shares of the Registrant’s common stock issued and outstanding as of November 9, 2018.

 

 

 

 

 

 

INDEX

  

    Page
     
  Part I. Financial Information  
     
Item 1. Condensed Consolidated Balance Sheets as of September 30, 2018 (Unaudited) and  December 31, 2017 3
     
  Condensed Consolidated Statements of Operations and Comprehensive Income (Loss) for the Three and Nine Months Ended September 30, 2018 and 2017 (Unaudited) 4
     
  Condensed Consolidated Statements of Shareholders’ Equity for the Nine Months  ended September 30, 2018 and 2017 (Unaudited) 5
     
  Condensed Consolidated Statements of Cash Flows for the Nine Months Ended  September 30, 2018 and 2017 (Unaudited) 6
     
  Notes to Consolidated Financial Statements (Unaudited) 8
     
Item 2. Management’s Discussion and Analysis of Financial Condition and Results of  Operations 34
Item 3. Quantitative and Qualitative Disclosures about Market Risk 45
Item 4. Controls and Procedures 45
     
  Part II. Other Information  
     
Item 1. Legal Proceedings 45
Item 1A. Risk Factors 45
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds 45
Item 3. Defaults upon Senior Securities 45
Item 4. Mine Safety Disclosures 45
Item 5. Other Information 45
Item 6. Exhibits 46
  Signatures 47

 

 2 

 

 

Part I. Financial Information

 

Item 1.Financial Statements

 

Eagle Financial Bancorp, Inc.

Condensed Consolidated Balance Sheets

September 30, 2018 (Unaudited) and December 31, 2017

(Amounts in thousands, except share and per share data)

 

   September 30,   December 31, 
   2018   2017 
Assets          
Cash and due from banks  $445   $519 
Federal Reserve Bank and Federal Home Loan Bank (FHLB) demand accounts   9,003    14,831 
Cash and cash equivalents   9,448    15,350 
Interest-bearing time deposits in other banks   4,233    5,079 
Loans held for sale   2,228    3,336 
Loans, net of allowance for loan losses of $1,189 and $1,181 at September 30, 2018 and December 31, 2017, respectively   110,779    96,529 
Premises and equipment - at depreciated cost   4,260    4,361 
FHLB stock - at cost   754    736 
Foreclosed assets held for sale, net   217    - 
Bank-owned life insurance (BOLI)   1,947    1,912 
FHLB lender risk account receivable   3,278    3,168 
Accrued interest receivable   354    287 
Prepaid federal income taxes   13    37 
Other assets   308    287 
           
Total assets  $137,819   $131,082 
           
Liabilities and Shareholders' Equity          
Liabilities          
Deposits          
Noninterest-bearing  $5,881   $4,032 
Interest-bearing   101,491    97,086 
Total deposits   107,372    101,118 
           
FHLB advances   -    9 
Advances from borrowers for taxes and insurance   622    866 
Accrued interest payable   1    1 
Accrued supplemental retirement plans   1,245    1,079 
Deferred federal tax liability   315    315 
Other liabilities   552    357 
           
Total liabilities   110,107    103,745 
           
Shareholders' Equity          
Preferred stock, $0.01 par value, 5,000,000 shares authorized; none issued and outstanding   -    - 
Common stock, $0.01 par value, 50,000,000 shares authorized, 1,625,708 and 1,612,808 shares issued and outstanding at September 30, 2018 and December 31, 2017, respectively   16    16 
Additional paid-in capital   14,765    14,730 
Retained earnings   14,108    13,817 
Unearned Employee Stock Ownership Plan ("ESOP") shares   (1,177)   (1,226)
Total shareholders' equity   27,712    27,337 
           
Total liabilities and shareholders' equity  $137,819   $131,082 

 

See accompanying notes to condensed consolidated financial statements.

 

 3 

 

 

Eagle Financial Bancorp, Inc.

Condensed Consolidated Statements of Operations and Comprehensive Income (Loss)

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

   Three Months Ended   Nine Months Ended 
   September 30,   September 30, 
   2018   2017   2018   2017 
Interest and Dividend Income                    
Interest earned on loans  $1,228   $1,079   $3,487   $3,030 
Dividends on FHLB stock   12    11    34    29 
Other interest-earning deposits   52    60    171    119 
                     
Total interest and dividend income   1,292    1,150    3,692    3,178 
                     
Interest Expense                    
Interest on deposits   202    167    556    494 
FHLB advances   -    -    -    1 
Total interest expense   202    167    556    495 
                     
Net Interest Income   1,090    983    3,136    2,683 
                     
Provision for Loan Losses   99    17    99    102 
                     
Net Interest Income After Provision for Loan Losses   991    966    3,037    2,581 
                     
Noninterest Income                    
Net gains on loan sales   430    448    1,195    1,543 
Other service charges and fees   51    56    142    149 
Income from BOLI   12    12    35    35 
                     
Total noninterest income   493    516    1,372    1,727 
                     
Noninterest Expense                    
Compensation and benefits   837    849    2,575    2,396 
Occupancy and equipment, net   62    59    184    170 
Data processing   74    72    227    206 
Legal and professional services   113    76    266    204 
FDIC premium expense   10    10    30    19 
Foreclosed real estate impairments and expenses, net   6    -    6    9 
Franchise and other taxes   60    27    160    81 
Advertising   38    34    78    101 
ATM processing expense   22    21    62    64 
Charitable contributions   3    503    8    508 
Other expenses   158    134    454    388 
                     
Total noninterest expense   1,383    1,785    4,050    4,146 
                     
Income (Loss) Before Income Taxes (Benefit)   101    (303)   359    162 
                     
Income Taxes                    
Provision for Income taxes (benefit)   22    (83)   68    67 
                     
Total income taxes (benefit)   22    (83)   68    67 
                     
Net Income (Loss) and Comprehensive Income (Loss)  $79   $(220)  $291   $95 
                     
Earnings per share - basic  $0.05     N/A    $0.19     N/A  
Earnings per share - diluted  $0.05     N/A    $0.19     N/A  
Weighted-average shares outstanding - basic   1,494,487     N/A     1,492,906     N/A  
Weighted-average shares outstanding - diluted   1,494,487     N/A     1,492,906     N/A  

 

See accompanying notes to condensed consolidated financial statements.

 

 4 

 

 

Eagle Financial Bancorp, Inc.

Condensed Consolidated Statements of Shareholders’ Equity

Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

       Additional       Unearned     
   Common   Paid-In   Retained   ESOP     
   Stock   Capital   Earnings   Shares   Total 
Balance at January 1, 2017  $-   $-   $13,477   $-   $13,477 
Net income   -    -    95    -    95 
Proceeds from issuance of 1,612,808 shares of common stock   16    14,689    -    (1,290)   13,415 
ESOP shares earned   -    19    -    32    51 
Balance at September 30, 2017  $16   $14,708   $13,572   $(1,258)  $27,038 
                          
Balance at December 31, 2017  $16   $14,730   $13,817   $(1,226)  $27,337 
Net income   -    -    291    -    291 
ESOP shares earned   -    29    -    49    78 
Stock based compensation expense   -    6    -    -    6 
Balance at September 30, 2018  $16   $14,765   $14,108   $(1,177)  $27,712 

 

See accompanying notes to condensed consolidated financial statements.

 

 5 

 

 

Eagle Financial Bancorp, Inc.

Condensed Consolidated Statements of Cash Flows

Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

   Nine Months Ended 
   September 30, 
   2018   2017 
Operating Activities          
Net income  $291   $95 
Items not requiring (providing) cash:          
Depreciation and amortization   191    166 
Proceeds on sale of loans in the secondary market   42,740    51,819 
Loans originated for sale in the secondary market   (40,437)   (53,931)
Gain on sale of loans   (1,195)   (1,543)
ESOP compensation expense   78    51 
Stock based compensation expense   6    - 
Provision for loan losses   99    102 
Loss on sale of foreclosed real estate   1    3 
Deferred federal tax liability   -    (84)
Increase in cash surrender value of BOLI   (35)   (35)
Impairment on foreclosed real estate   -    3 
Changes in:          
FHLB lender risk account receivable   (110)   (409)
Accrued interest receivable and interest payable   (67)   (24)
Other assets and prepaid federal income taxes   3    (62)
Accrued supplemental retirement plans   166    158 
Accrued expenses and other liabilities   195    351 
           
Net cash flows provided by (used in) operating activities   1,926    (3,340)
           
Investing Activities          
Net decrease (increase) in interest-bearing time deposits in other banks   846    (3,239)
Net increase in loans   (14,649)   (13,209)
Purchase of FHLB stock   (18)   (8)
Purchase of premises and equipment   (53)   (173)
Proceeds from sale of foreclosed real estate   45    49 
           
Net cash used in investing activities   (13,829)   (16,580)
           
Financing Activities          
Net increase (decrease) in deposits   6,254    (197)
Repayment of FHLB advances   (9)   (15)
Proceeds form issuance of common stock   -    13,415 
Net decrease in advances from borrowers for taxes and insurance   (244)   (163)
           
Net cash provided by financing activities   6,001    13,040 
           
Decrease in Cash and Cash Equivalents   (5,902)   (6,880)
           
Cash and Cash Equivalents, Beginning of Period   15,350    19,589 
           
Cash and Cash Equivalents, End of Period  $9,448   $12,709 

 

(Continued)

 

 6 

 

 

Eagle Financial Bancorp, Inc.

Condensed Consolidated Statements of Cash Flows

Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

   Nine Months Ended 
   September 30, 
   2018   2017 
Supplemental Cash Flows Information:          
Interest paid  $556   $495 
Income taxes paid   45    90 
Transfers to foreclosed assets held for sale   263    - 

 

See accompanying notes to condensed consolidated financial statements.

 

 7 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

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

 

General

 

Eagle Financial Bancorp, Inc. (the “Company”), a Maryland corporation and registered savings and loan holding company, was formed on February 21, 2017 to become the savings and loan holding company for Eagle Savings Bank (the “Bank”). The Bank, an Ohio chartered savings and loan association, completed its mutual-to-stock conversion on July 20, 2017. In connection with the Bank’s conversion, the Company acquired 100% ownership of the Bank and the Company offered and sold 1,572,808 shares of its common stock at $10.0 per share, for gross offering proceeds of $15,728. The cost of the conversion and issuance of common stock was approximately $1,423, which was deducted from the gross offering proceeds. The Company also contributed 40,000 shares of its common stock and $100,000 of cash to Eagle Savings Bank Charitable Foundation (the “Foundation”), a charitable foundation formed in connection with the Bank’s conversion. The Bank’s employee stock ownership plan (“ESOP”) purchased 129,024 shares of the common stock sold by the Company, which was 8% of the 1,612,808 shares of common stock issued by the Company, including the shares contributed to the Foundation. The ESOP purchased the shares using a loan from the Company. The Company contributed $7,153 of the net proceeds from the offering to the Bank, loaned $1,290 of the net proceeds to the ESOP, contributed $100 to the Foundation and retained approximately $5,763 of the net proceeds.

 

Following the Bank’s conversion, voting rights are held and exercised exclusively by the shareholders of the holding company. Deposit account holders continue to be insured by the FDIC. A liquidation account was established in an amount equal to the Bank’s total equity as of the latest balance sheet date in the final offering circular used in the conversion. Each eligible account holder or supplemental account holder are entitled to a proportionate share of this account in the event of a complete liquidation of the Bank, and only in such event. This share will be reduced if the eligible account holder’s or supplemental account holder’s deposit balance falls below the amounts on the date of record and will cease to exist if the account is closed. The liquidation account will never be increased despite any increase after conversion in the related deposit balance.

 

The Bank may not pay a dividend on its capital stock, if the effect thereof would cause retained earnings to be reduced below the liquidation account amount or regulatory capital requirements. In addition, the stock holding company will be subject to certain regulations related to the repurchase of its capital stock. For additional information regarding restrictions on dividends and stock repurchases that may be paid by the Company, see the Company’s annual report on Form 10-K (the “Form 10-K”) for the year ended December 31, 2017, filed with the SEC on March 23, 2018.

 

The Conversion was accounted for as a change in corporate form with the historic basis of the Bank’s assets, liabilities and equity unchanged as a result.

 

Basis of Presentation and Consolidation

 

The condensed consolidated financial statements as of September 30, 2018 and for the three and nine months ended September 30, 2018, include Eagle Financial Bancorp, Inc. and the Bank, its wholly owned subsidiary. Intercompany transactions and balances have been eliminated in consolidation.

 

 8 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

The accompanying condensed balance sheet of the Company as of December 31, 2017, which has been derived from audited financial statements, and unaudited condensed financial statements of the Company as of September 30, 2018 and for the three and nine months ended September 30, 2018 and 2017, were prepared in accordance with instructions for Form 10-Q and Rule 10-01 of Regulation S-X and, therefore, do not include information or footnotes necessary for a complete presentation of financial position, results of operations and cash flows in accounting principles generally accepted in the United States of America. Accordingly, these condensed financial statements should be read in conjunction with the financial statements and notes thereto of the Company for the year ended December 31, 2017 included in the Registrant’s Form 10-K. Reference is made to the accounting policies of the Company described in the Notes to Financial Statements contained in the Form 10-K.

 

In the opinion of management, all adjustments (consisting only of normal recurring adjustments) which are necessary for a fair presentation of the unaudited condensed financial statements have been included to present fairly the financial position as of September 30, 2018 and the results of operations and cash flows for the three and nine months ended September 30, 2018 and 2017. All interim amounts have not been audited and the results of operations for the three and nine months ended September 30, 2018, herein are not necessarily indicative of the results of operations to be expected for the entire year.

 

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, FHLB lender risk account receivable, valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, and fair values of financial instruments.

 

Note 2:Earnings Per Common Share

 

Basic earnings per common share (“EPS”) excludes dilution and is calculated by dividing net income applicable to common stock by the weighted-average number of shares of common shares outstanding during the period. Diluted EPS is computed in a manner similar to that of basic EPS except that the weighted-average number of common shares outstanding is increased to include the number of incremental common shares that would have been outstanding if all potentially dilutive common stock equivalents were issued during the period. Unallocated common shares held by the Company’s Employee Stock Ownership Plan (“the ESOP”) are shown as a reduction in stockholder’s equity and are excluded from weighted-average common shares outstanding for both basic and diluted EPS calculations until they are committed to be released. The computation of earnings per share for the three and nine months ended September 30, 2017 is not presented as the Company did not complete its initial public offering until July 20, 2017.

 

 9 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

The computations for the three and nine month periods ended September 30, 2018 are as follows:

 

   Three months ended September 30,   Nine months ended September 30, 
   2018   2018 
         
Net Income  $79,073   $290,850 
Less allocation of earnings to participating securities   96    118 
Net income allocated to common shareholders  $78,977   $290,732 
           
Shares Outstanding for basic earnings per common share:          
           
Weighted Average shares outstanding:   1,612,808    1,612,808 
Less: Average Unearned ESOP shares:   118,321    119,902 
Weighted average number of shares outstanding used in the calculation of basic earnings per common share   1,494,487    1,492,906 
           
Basic earnings per common share:  $0.05   $0.19 
           
Effect of dilutive securities:          
Stock Options   -    - 
Weighted average number of shares outstanding used in the calculation of dilutive earnings per common share   1,494,487    1,492,906 
Diluted earnings per common share:  $0.05   $0.19 

 

Note 3:Loans and Allowance for Loan Losses

 

The composition of the loan portfolio at September 30, 2018 and December 31, 2017 was as follows: 

 

   September 30,   December 31, 
   2018   2017 
     
Residential mortgage loans  $64,690   $53,682 
Commercial real estate and land loans   16,027    13,739 
Home equity and other consumer   13,259    12,570 
Residential construction loans   10,060    10,362 
Residential mortgage loans, non-owner occupied   6,304    7,082 
Multi-family real estate loans   1,203    2,084 
Commercial loans   5,851    5,536 
    117,394    105,055 
           
Net deferred loan costs   31    66 
Loans in process   (5,457)   (7,411)
Allowance for loan losses   (1,189)   (1,181)
           
Net loans  $110,779   $96,529 

 

 10 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

Loans serviced for the benefit of others at September 30, 2018 and December 31, 2017 amounted to $1,871 and $2,166, respectively.

 

Loans in process relates to primarily residential mortgage loans.

 

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

 

Residential Mortgage Loans, including Construction Loans and Land Loans: The residential 1-4 family real estate loans and construction loans are generally secured by owner-occupied 1-4 family residences. 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. Land loans are secured primarily by unimproved land for future residential use. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers.

 

Residential Mortgage Loans, Non-Owner Occupied: One-to-four family, non-owner occupied loans carry greater inherent risks than one-to-four family, owner occupied loans, since the repayment ability of the borrower is generally reliant on the success of the income generated from the property.

 

Commercial Real Estate and Multi-Family Real Estate: 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. Multi-family real estate loans are generally secured by apartment complexes. These loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Credit risk in these loans may be impacted by the creditworthiness of a borrower, property values and the local economies in the Bank’s market areas.

 

Commercial: The commercial 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.

 

Home equity and Other Consumer: The consumer loan portfolio consists of home equity loans and term and line of credit loans such as automobile loans and loans for other personal purposes. Repayment of the home equity 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. Repayment for term and line of credit loans will come from a borrower’s income sources that are typically independent of the loan purpose. Credit risk is driven by consumer economic factors (such as unemployment and general economic conditions in the Bank’s market area) and the creditworthiness of a borrower.

 

 11 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

The following tables present the activity in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method for the three and nine months ended September 30, 2018 and 2017 and year ended December 31, 2017:

 

Nine Months Ended September 30,
2018 (Unaudited)
  Residential
Mortgage
Loans
   Commercial
Real Estate
and Land
Loans
   Home
Equity and
Other
Consumer
   Residential
Construction
Loans
   Residential
Mortgage
Loans Non-
Owner
Occupied
   Multi-
Family Real
Estate
Loans
   Commercial
Loans
   Total 
Allowance for loan losses:                                        
Balance, beginning of year  $283   $199   $276   $116   $122   $25   $160   $1,181 
Provision charged to expense   148    118    30    (6)   (44)   (11)   (136)   99 
Losses charged off   (35)   (68)   -    -    -    -    -    (103)
Recoveries   11    -    -    -    1    -    -    12 
                                         
Balance, end of period  $407   $249   $306   $110   $79   $14   $24   $1,189 
                                         
Ending balance:  individually  evaluated for impairment  $4   $-   $-   $-   $-   $-   $-   $4 
                                         
Ending balance:  collectively  evaluated for impairment  $403   $249   $306   $110   $79   $14   $24   $1,185 
                                         
Loans:                                        
Ending balance  $64,690   $16,027   $13,259   $10,060   $6,304   $1,203   $5,851   $117,394 
                                         
Ending balance:  individually  evaluated for impairment  $75   $-   $11   $-   $191   $-   $-   $277 
                                         
Ending balance:  collectively  evaluated for impairment  $64,615   $16,027   $13,248   $10,060   $6,113   $1,203   $5,851   $117,117 

 

Three Months Ended September
30, 2018 (Unaudited)
  Residential
Mortgage
Loans
   Commercial
Real Estate
and Land
Loans
   Home
Equity and
Other
Consumer
   Residential
Construction
Loans
   Residential
Mortgage
Loans Non-
Owner
Occupied
   Multi-
Family Real
Estate
Loans
   Commercial
Loans
   Total 
Allowance for loan losses:                                        
Balance, beginning of period  $422   $205   $304   $117   $85   $14   $20   $1,167 
Provision charged to expense   (6)   112    2    (7)   (6)   -    4    99 
Losses charged off   (13)   (68)   -    -    -    -    -    (81)
Recoveries   4    -    -    -    -    -    -    4 
                                         
Balance, end of period  $407   $249   $306   $110   $79   $14   $24   $1,189 

 

 12 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

Nine Months Ended September 30,
2017 (Unaudited)
  Residential
Mortgage
Loans
   Commercial
Real Estate
and Land
Loans
   Home
Equity and
Other
Consumer
   Residential
Construction
Loans
   Residential
Mortgage
Loans Non-
Owner
Occupied
   Multi-
Family Real
Estate
Loans
   Commercial
Loans
   Total 
Allowance for loan losses:                                        
Balance, beginning of year  $166   $164   $341   $88   $175   $30   $173   $1,137 
Provision charged to expense   46    108    (54)   (3)   28    (2)   (21)   102 
Losses charged off   (10)   (73)   -    -    -    -    -    (83)
Recoveries   1    -    -    -    -    -    10    11 
                                         
Balance, end of period  $203   $199   $287   $85   $203   $28   $162   $1,167 

 

Three Months Ended September 30,
2017 (Unaudited)
  Residential
Mortgage
Loans
   Commercial
Real Estate
and Land
Loans
   Home
Equity and
Other
Consumer
   Residential
Construction
Loans
   Residential
Mortgage
Loans Non-
Owner
Occupied
   Multi-
Family Real
Estate
Loans
   Commercial
Loans
   Total 
Allowance for loan losses:                                        
Balance, beginning of period  $197   $229   $316   $91   $220   $23   $153   $1,229 
Provision charged to expense   15    43    (29)   (6)   (17)   5    6    17 
Losses charged off   (10)   (73)   -    -    -    -    -    (83)
Recoveries   1    -    -    -    -    -    3    4 
                                         
Balance, end of period  $203   $199   $287   $85   $203   $28   $162   $1,167 

 

Year Ended December 31, 2017  Residential
Mortgage
Loans
   Commercial
Real Estate
and Land
Loans
   Home
Equity and
Other
Consumer
   Residential
Construction
Loans
   Residential
Mortgage
Loans Non-
Owner
Occupied
   Multi-
Family Real
Estate
Loans
   Commercial
Loans
   Total 
Allowance for loan losses:                                        
Balance, beginning of year  $166   $164   $341   $88   $175   $30   $173   $1,137 
Provision charged to expense   112    108    (65)   28    (44)   (5)   (32)   102 
Losses charged off   -    (73)   -    -    (9)   -    -    (82)
Recoveries   5    -    -    -    -    -    19    24 
                                         
Balance, end of year  $283   $199   $276   $116   $122   $25   $160   $1,181 
                                         
Ending balance:  individually  evaluated for impairment  $22   $10   $-   $-   $32   $-   $138   $202 
                                         
Ending balance:  collectively evaluated for impairment  $261   $189   $276   $116   $90   $25   $22   $979 
                                         
Loans:                                        
Ending balance  $53,682   $13,739   $12,570   $10,362   $7,082   $2,084   $5,536   $105,055 
                                         
Ending balance:  individually  evaluated for impairment  $142   $157   $-   $-   $196   $-   $300   $795 
                                         
Ending balance:  collectively evaluated for impairment  $53,540   $13,582   $12,570   $10,362   $6,886   $2,084   $5,236   $104,260 

 

 13 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

Internal Risk Categories

 

Loan grades are numbered 1 through 8. Grades 5 through 8 are considered satisfactory grades. The grade of 1, or Special Mention, represents loans of lower quality and is considered criticized. The grades of 2, or Substandard, 3, or Doubtful, and 4, or Loss refer to assets that are classified. The use and application of these grades by the Bank will be uniform and shall conform to the Bank’s policy.

 

Special Mention (grade 1) assets have potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the institution’s credit position at some future date. Special mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. Ordinarily, special mention credits have characteristics which corrective management action would remedy.

 

Substandard (grade 2) loans are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.

 

Doubtful (grade 3) loans classified as doubtful have all the weaknesses inherent in those classified Substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of current known facts, conditions and values, highly questionable and improbable.

 

Loss (grade 4) loans classified as loss are considered uncollectible and of such little value that their continuance as assets is not warranted. This classification does not mean that the loan has absolutely no recovery or salvage value but rather it is not practical or desirable to defer writing off even though partial recovery may be affected in the future.

 

Satisfactory (grades 5 through 8) represent loans for which quality is considered to be satisfactory.

 

 14 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

The following tables present the credit risk profile of the Bank’s loan portfolio based on rating category and payment activity as of September 30, 2018 and December 31, 2017:

 

September 30, 2018 (Unaudited)  Residential
Mortgage Loans
   Commercial
Real Estate and
Land Loans
   Home
Equity and
Other
Consumer
   Residential
Construction
Loans
   Residential
Mortgage Loans
Non-Owner
Occupied
   Multi-Family
Real Estate
Loans
   Commercial
Loans
   Total 
Rating                                        
Satisfactory (5-8)  $63,478   $15,668   $13,006   $10,060   $6,275   $1,203   $5,580   $115,270 
Special mention (1)   -    -    -    -    -    -    125    125 
Substandard (2)   1,212    359    253    -    29    -    146    1,999 
Doubtful (3)   -    -    -    -    -    -    -    - 
Loss (4)   -    -    -    -    -    -    -    - 
                                         
Total  $64,690   $16,027   $13,259   $10,060   $6,304   $1,203   $5,851   $117,394 

 

December 31, 2017  Residential
Mortgage
Loans
   Commercial
Real Estate and
Land Loans
   Home
Equity and
Other
Consumer
   Residential
Construction
Loans
   Residential
Mortgage Loans
Non-Owner
Occupied
   Multi-Family
Real Estate
Loans
   Commercial
Loans
   Total 
Rating                                        
Satisfactory (5-8)  $52,948   $13,212   $12,411   $10,362   $6,508   $2,084   $5,039   $102,564 
Special mention (1)   -    -    -    -    -    -    -    - 
Substandard (2)   734    527    159    -    574    -    497    2,491 
Doubtful (3)   -    -    -    -    -    -    -    - 
Loss (4)   -    -    -    -    -    -    -    - 
                                         
Total  $53,682   $13,739   $12,570   $10,362   $7,082   $2,084   $5,536   $105,055 

 

The Company evaluates the loan risk grading system definitions and allowance for loan losses methodology on an ongoing basis. No significant changes were made to either during the three and nine months ended September 30, 2018.

 

 15 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2017 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

The following tables present the Bank’s loan portfolio aging analysis of the recorded investment in loans as of September 30, 2018 and December 31, 2017:

 

September 30, 2018 (Unaudited)  30-59 Days
Past Due
   60-89 Days
Past Due
   90 Days
Past Due or
More
   Total  
Past
Due
   Current   Total
Loans
Receivable
   Recorded
Investment 90
Days and
Accruing
 
Residential mortgage loans  $497   $-   $558   $1,055   $63,635   $64,690   $- 
Commercial real estate and land loans   -    -    -    -    16,027    16,027    - 
Home equity and other consumer   -    -    39    39    13,220    13,259    - 
Residential construction loans   -    -    -    -    10,060    10,060    - 
Residential mortgage loans, non-owner occupied   -    -    -    -    6,304    6,304    - 
Multi-family real estate loans   -    -    -    -    1,203    1,203    - 
Commercial loans   -    -    -    -    5,851    5,851    - 
                                    
Total  $497   $-   $597   $1,094   $116,300   $117,394   $- 

 

December 31, 2017  30-59 Days
Past Due
   60-89 Days
Past Due
   90 Days
Past Due or
More
   Total  
Past
Due
   Current   Total
Loans
Receivable
   Recorded
Investment 90
Days and
Accruing
 
Residential mortgage loans  $173   $-   $634   $807   $52,875   $53,682   $- 
Commercial real estate and land loans   -    -    157    157    13,582    13,739    - 
Home equity and other consumer   39    -    -    39    12,531    12,570    - 
Residential construction loans   -    -    -    -    10,362    10,362    - 
Residential mortgage loans, non-owner occupied   -    -    -    -    7,082    7,082    - 
Multi-family real estate loans   -    -    -    -    2,084    2,084    - 
Commercial loans   -    -    -    -    5,536    5,536    - 
                                    
Total  $212   $-   $791   $1,003   $104,052   $105,055   $- 

 

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.

 

 16 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

The following tables present impaired loans at September 30, 2018, September 30, 2017 and as of December 31, 2017:

 

               For the Three Months
Ended
   For the Nine Months
Ended
 
   As of September 30, 2018       September 30, 2018   September 30, 2018 
               Average       Average     
       Unpaid       Investment   Interest   Investment   Interest 
   Recorded   Principal   Allocated   in Impaired   Income   in Impaired   Income 
   Balance   Balance   Allowance   Loans   Recognized   Loans   Recognized 
Loans without an allocated allowance:                                   
Residential mortgage loans  $-   $-   $-   $-   $-   $-   $- 
Commercial real estate and land loans   -    -    -    113    -    144    - 
Home equity and other consumer   11    11    -    11    -    11    - 
Residential construction loans   -    -    -    -    -    -    - 
Residential mortgage loans, non-owner occupied   191    191    -    192    3    193    8 
Multi-family real estate loans   -    -    -    -    -    -    - 
Commercial loans   -    -    -    -    -    -    - 
Loans with an allocated allowance:                                   
Residential mortgage loans   75    75    4    75    1    112    3 
Commercial real estate and land loans   -    -    -    -    -    -    - 
Home equity and other consumer   -    -    -    -    -    -    - 
Residential construction loans   -    -    -    -    -    -    - 
Residential mortgage loans, non-owner occupied   -    -    -    -    -    -    - 
Multi-family real estate loans   -    -    -    -    -    -    - 
Commercial loans   -    -    -    -    -    166    9 
                                    
Total  $277   $277   $4   $391   $4   $626   $20 

 

               For the Three Months
Ended
   For the Nine Months
Ended
 
   As of September 30, 2017       September 30, 2017   September 30, 2017 
               Average       Average     
       Unpaid       Investment   Interest   Investment   Interest 
   Recorded   Principal   Allocated   in Impaired   Income   in Impaired   Income 
   Balance   Balance   Allowance   Loans   Recognized   Loans   Recognized 
Loans without an allocated allowance:                                   
Residential mortgage loans  $-   $-   $-   $-   $-   $-   $- 
Commercial real estate and land loans   148    148    -    180    -    214    1 
Home equity and other consumer   -    -    -    -    -    -    - 
Residential construction loans   -    -    -    -    -    -    - 
Residential mortgage loans, non-owner occupied   60    60    -    65    1    93    3 
Multi-family real estate loans   -    -    -    -    -    -    - 
Commercial loans   -    -    -    -    -    -    - 
Loans with an allocated allowance:                                   
Residential mortgage loans   142    142    22    143    1    144    5 
Commercial real estate and land loans   -    -    -    -    -    -    - 
Home equity and other consumer   -    -    -    -    -    -    - 
Residential construction loans   -    -    -    -    -    -    - 
Residential mortgage loans, non-owner occupied   198    198    34    199    2    200    7 
Multi-family real estate loans   -    -    -    -    -    -    - 
Commercial loans   301    301    139    301    4    315    13 
                                    
Total  $849   $849   $195   $888   $8   $966   $29 

 

 17 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

   As of December 31, 2017 
               Average     
       Unpaid       Investment   Interest 
   Recorded   Principal   Allocated   in Impaired   Income 
   Balance   Balance   Allowance   Loans   Recognized 
Loans without an allocated allowance:                         
Residential mortgage loans  $-   $-   $-   $-   $- 
Commercial real estate and land loans   -    -    -    -    - 
Home equity and other consumer   -    -    -    -    - 
Residential construction loans   -    -    -    -    - 
Residential mortgage loans, non-owner occupied   -    -    -    -    - 
Multi-family real estate loans   -    -    -    -    - 
Commercial loans   -    -    -    -    - 
Loans with an allocated allowance:                         
Residential mortgage loans   142    142    22    143    7 
Commercial real estate and land loans   157    157    10    192    1 
Home equity and other consumer   -    -    -    -    - 
Residential construction loans   -    -    -    -    - 
Residential mortgage loans, non-owner occupied   196    196    32    199    13 
Multi-family real estate loans   -    -    -    -    3 
Commercial loans   300    300    138    313    17 
                          
Total  $795   $795   $202   $847   $41 

 

Interest income recognized is not materially different than interest income that would have been recognized on a cash basis.

 

The following table presents the Bank’s nonaccrual loans at September 30, 2018 and December 31, 2017. This table excludes performing troubled debt restructurings.

 

   September 30,   December 31, 
   2018   2017 
Residential mortgage loans  $558   $634 
Commercial real estate and land loans   -    157 
Home equity and other consumer   39    - 
Residential construction loans   -    - 
Residential mortgage loans, non-owner occupied   -    - 
Multi-family real estate loans   -    - 
Commercial loans   -    - 
           
Total  $597   $791 

 

 18 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

Following is a summary of troubled debt restructurings at September 30, 2018 and December 31, 2017:

 

   As of September 30, 2018   As of December 31, 2017 
   Number of
Contracts
   Recorded
Investment
   Number of
Contracts
   Recorded
Investment
 
Residential mortgage loans   1   $75    1   $77 
Commercial real estate and land loans   -    -    -    - 
Home equity and other consumer   1    11    -    - 
Residential construction loans   -    -    -    - 
Residential mortgage loans, non-owner occupied   4    191    4    196 
Multi-family real estate loans   -    -    -    - 
Commercial loans   -    -    1    300 
    6   $277    6   $573 

 

As of September 30, 2018, the Bank had total troubled debt restructurings of $277.  There were five residential mortgage loans and residential non-owner occupied loans totaling $266 in troubled debt restructurings with the largest totaling $75.  The remaining $11 in troubled debt restructurings consisted of one home equity loan.  As of December 31, 2017, the Bank had total troubled debt restructurings of $573.  There were five residential mortgage loans and residential non-owner occupied loans totaling $273 in troubled debt restructurings with the largest totaling $195.  The remaining $300 in troubled debt restructurings consisted of one commercial loan. These loans were modified due to short term concessions. Eagle Savings Bank has no commitments to lend additional funds to the debtors owing receivables whose terms have been modified in troubled debt restructurings. During the three months and nine months ended September, 30, 2018 the Bank added one troubled debt restructuring totaling $11.

 

At September 30, 2018, the Bank had one residential owner-occupied piece of foreclosed real estate totaling $90 and one commercial piece of foreclosed real estate totaling $127. At December 31, 2017, the Bank had no foreclosed real estate.

 

Note 4:Employee Stock Ownership Plan (“ESOP”)

 

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. The ESOP borrowed funds from the Company in an amount sufficient to purchase 129,024 shares (approximately 8.0% of the common stock issued in connection with the conversion). 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, and then the remainder will be applied to principal. The loan is expected to be repaid over a period of up to 20 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 ESOP at the rate of 20 percent per year after two years of service. Vesting is accelerated upon retirement, death or disability of the participant, or a change in control of the Company. Forfeitures will be reallocated to remaining participants. Benefits may be payable upon retirement, death, disability, separation of service, or termination of the ESOP.

 

 19 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

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 the 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 was $26 and $78 for the three and nine months ended September 30, 2018, respectively.

 

A summary of the ESOP shares as of September 30, 2018 and December 31, 2017 are as follows:

 

   September 30, 2018   December 31, 2017 
Shares allocated to participants   4,838    6,451 
Shares released to participants   6,451    - 
Unreleased shares   117,735    122,573 
Total   129,024    129,024 
           
Fair Value of Unreleased Shares  $1,871,998   $1,982,005 

 

Note 5: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 Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities and certain off-balance-sheet items as calculated under United States Generally Accepted Accounting Principles, 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 Bank’s regulators could require adjustments to regulatory capital not reflected in these financial statements.

 

Quantitative measures established by regulatory reporting standards, to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below) of Total capital (as defined), Tier I capital (as defined) and common equity Tier 1capital (as defined) to risk-weighted assets (as defined) and Tier I capital (as defined) to average assets (as defined). Management believes, as of September 30, 2018 and December 31, 2017 that the Bank meets all capital adequacy requirements to which it is subject.

 

As of September 30, 2018 and December 31, 2017 the most recent notification from the Bank’s regulators 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 capital, Tier I risk-based capital, common equity Tier 1 risk-based capital and Tier I leverage ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the Bank’s category.

 

 20 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

In addition to the minimum capital ratios, the Bank must maintain a capital conservation buffer of common equity Tier 1 capital in an amount greater than 2.5% of total risk-weighted assets to avoid being subject to limitations on capital distributions and discretionary bonuses. The capital conservation buffer has been phased in over multiple years. The initial phase-in began at 0.625% on January 1, 2015, the current capital conservation buffer is 1.875%, and the buffer will be fully phased in at 2.5% on January 2019.

 

As a result of the recently enacted Economic Growth, Regulatory Relief, and Consumer Protection Act (the “Act”), banking regulatory agencies must adopt a revised definition of “well capitalized” for financial institutions and holding companies with assets of less than $10 billion and that are not determined to be ineligible by their primary federal regulator due to their risk profile (a “qualifying community bank”). The new definition will expand the ways that a qualifying community bank may meet its capital requirements and be deemed “well qualified.” The new rule will establish a “community bank leverage ratio” equal to the tangible equity capital divided by the average total consolidated assets. A qualifying community bank that exceeds a to-be-determined threshold for this new leverage ratio, which regulators must set at between 8% and 10%, will be considered to be well capitalized and to have met generally applicable leverage capital requirements, generally applicable risk-based capital requirements, and any other capital or leverage requirements to which such financial institution or holding company is subject.

 

In addition, as a result of the Act, the Federal Reserve Board is required to amend its small bank holding company and savings and loan holding company policy statement to provide that holding companies with consolidated assets of less than $3 billion that are (i) not engaged in significant nonbanking activities, (ii) do not conduct significant off-balance sheet activities, and (3) do not have a material amount of SEC-registered debt or equity securities, other than trust preferred securities, that contribute to an organization’s complexity, will no longer be subject to regulatory capital requirements, effective no later than November 2018.

 

 21 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

The Bank’s actual capital amounts and ratios are presented in the following tables (minimum capital requirements exclude the capital conservation buffer):

 

   Actual   Minimum Capital
Requirement
   Minimum to Be Well
Capitalized Under
Prompt Corrective
Action Provisions
 
   Amount   Ratio   Amount   Ratio   Amount   Ratio 
As of September 30, 2018:                              
                               
Equity  $20,646                          
Allowance for loan losses   1,189                          
Total risk-based capital (to risk-weighted  assets)  $21,835    16.9%  $10,345    8.0%  $12,931    10.0%
                               
Tier I capital (to risk-weighted  assets)   20,646    16.0%   7,759    6.0%   10,345    8.0%
                               
Common equity Tier I capital (to risk-weighted  assets)   20,646    16.0%   5,819    4.5%   8,405    6.5%
                               
Tier I capital (to adjusted total  assets)   20,646    15.2%   5,433    4.0%   6,791    5.0%

 

 22 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

   Actual   Minimum Capital
Requirement
   Minimum to Be Well
Capitalized Under
Prompt Corrective
Action Provisions
 
   Amount   Ratio   Amount   Ratio   Amount   Ratio 
As of December 31, 2017:                              
                               
Equity  $20,197                          
Allowance for loan losses   1,181                          
                               
Total risk-based capital (to risk-weighted  assets)  $21,378    18.0%  $9,498    8.0%  $11,873    10.0%
                               
Tier I capital (to risk-weighted  assets)   20,197    17.0%   7,124    6.0%   9,498    8.0%
                               
Common equity Tier I capital (to risk-weighted  assets)   20,197    17.0%   5,343    4.5%   7,717    6.5%
                               
Tier I capital (to adjusted total  assets)   20,197    15.6%   5,187    4.0%   6,484    5.0%

 

Note 6:Disclosure About Fair Values of Assets and Liabilities

 

ASC Topic 820, Fair Value Measurements, defines fair value as 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. Topic 820 also specifies a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes 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 that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities

 

 23 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

Nonrecurring Measurements

 

The following tables present the fair value measurement of assets measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at September 30, 2018 and December 31, 2017:

 

       Fair Value Measurements Using 
   Fair   Quoted Prices in
Active Markets for
Identical Assets
   Significant
Other
Observable
Inputs
   Significant
Unobservable
Inputs
 
September 30, 2018  Value   (Level 1)   (Level 2)   (Level 3) 
Impaired loans (collateral dependent)  $273   $-   $-   $273 
Foreclosed assets held for sale   217    -    -    217 

 

       Fair Value Measurements Using 
   Fair   Quoted Prices in
Active Markets for
Identical Assets
   Significant
Other
Observable
Inputs
   Significant
Unobservable
Inputs
 
December 31, 2017  Value   (Level 1)   (Level 2)   (Level 3) 
Impaired loans (collateral dependent)  $593   $-   $-   $593 

 

Fair value adjustments, consisting of charge-offs or allocated allowances, on impaired loans and foreclosed assets held for sale during the nine months ended September 30, 2018 and the year ended December 31, 2017 amounted to $103 and $6, respectively.

 

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 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.

 

Foreclosed Assets Held for Sale

 

Foreclosed assets held for sale is carried at fair value, less estimated cost to sell. Fair value of real estate is based on appraisals or evaluations. Foreclosed assets held for sale is classified within Level 3 of the fair value hierarchy.

 

 24 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

Appraisals of foreclosed assets held for sale are obtained when the real estate is acquired and subsequently as deemed necessary. Appraisals are reviewed for accuracy and consistency by the lending department. 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 Bank 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. Appraisals are reviewed for accuracy and consistency by the lending department. 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 comparison to historical results.

 

Unobservable (Level 3) Inputs

 

The following tables present quantitative information about unobservable inputs used in nonrecurring Level 3 fair value measurements.

 

   Fair Value at   Valuation      
   9/30/2018   Technique  Unobservable Inputs  Range
Impaired loans (collateral dependent)  $273   Market comparable properties  Marketability discount  10% - 15%
               
Foreclosed assets held for sale   217   Market comparable properties  Marketability discount  10% - 15%

 

   Fair Value at   Valuation      
   12/31/2017   Technique  Unobservable Inputs  Range
Impaired loans (collateral dependent)  $593   Market comparable properties  Marketability discount  10% - 15%

 

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

 

Cash and Cash Equivalents and Interest-bearing Time Deposits

 

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.

 

 25 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

Loans

 

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 Bank 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.

 

FHLB Stock

 

Fair value is estimated at book value due to restrictions that limit the sale or transfer of such securities.

 

FHLB Lender Risk Account Receivable

 

The fair value of the Federal Home Loan Bank lender risk account receivable is estimated by discounting the estimated remaining cash flows of each strata of the receivable at current rates applicable to each strata for the same remaining maturities.

 

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 Bank. The rates were the average of current rates offered by local competitors of the Bank.

 

The estimated fair value of checking, NOW, 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.

 

FHLB 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 FHLB.

 

Advances from Borrowers for Taxes and Insurance

 

The carrying amount approximates fair value.

 

Commitments to Originate Loans, Forward Sale Commitments, Letters of Credit and Lines of Credit

 

The fair value of commitments to originate loans is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair value of commitments to sell securities is estimated based on current market prices for securities of similar terms and credit quality. The fair values of letters of credit and lines of credit are based on fees currently charged for similar agreements or on the estimated cost to terminate or otherwise settle the obligations with the counterparties at the reporting date. At September 30, 2018 and December 31, 2017, the fair value of such commitments was not material.

 

 26 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

The following tables present estimated fair values of the Bank’s financial instruments at September 30, 2018 and December 31, 2017.

 

       Fair Value Measurements Using 
September 30, 2018  Carrying
Amount
   Fair
Value
   (Level 1)   (Level 2)   (Level 3) 
Financial Assets                         
Cash and cash equivalents  $9,448   $9,448   $9,448   $-   $- 
Interest-bearing time deposits   4,233    4,233    4,233    -    - 
Loans held for sale   2,228    2,228    -    -    2,228 
Loans, net of allowance for losses   110,779    111,233    -    -    111,233 
FHLB stock   754    754    -    754    - 
FHLB lender risk account receivable   3,278    3,207    -    -    3,207 
Interest receivable   354    354    -    354    - 
                          
Financial Liabilities                         
Deposits   107,372    106,703    61,265    45,438    - 
FHLB advances   -    -    -    -    - 
Advances from borrowers for taxes and insurance   622    622    -    622    - 
Interest payable   1    1    -    1    - 

 

       Fair Value Measurements Using 
December 31, 2017  Carrying
Amount
   Fair
Value
   (Level 1)   (Level 2)   (Level 3) 
Financial Assets                         
Cash and cash equivalents  $15,350   $15,350   $15,350   $-   $- 
Interest-bearing time deposits   5,079    5,079    5,079    -    - 
Loans held for sale   3,336    3,336    -    -    3,336 
Loans, net of allowance for losses   96,529    98,470    -    -    98,470 
FHLB stock   736    736    -    736    - 
FHLB lender risk account receivable   3,168    3,174    -    -    3,174 
Interest receivable   287    287    -    287    - 
                          
Financial Liabilities                         
Deposits   101,118    100,728    59,415    41,313    - 
FHLB advances   9    9    -    9    - 
Advances from borrowers for taxes  and insurance   866    866    -    866    - 
Interest payable   1    1    -    1    - 

 

 27 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

Note 7:Commitments and Credit Risk

 

Commitments to Originate Loans

 

Commitments to originate loans are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since a portion of the commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Each customer’s creditworthiness is evaluated on a case-by-case basis. The amount of collateral obtained, if deemed necessary, is based on management’s credit evaluation of the counterparty. Collateral held varies, but may include accounts receivable, inventory, property, plant and equipment, commercial real estate and residential real estate.

 

At September 30, 2018, the Bank had one 30 year fixed rate loan with an interest rate of 4.625% for $106 and two HELOCs with interest rates at 6.25% totaling $532 approved but not yet originated. At December 31, 2017, the Bank had loans approved but not yet originated of $810. There was a 30 year fixed rate one-to four-family residential real estate loan with a fixed interest rate of 3.875% for $202 and a 5/1 adjustable rate one-to four-family residential real estate construction loan with a rate of 3.25% for $608. At September 30, 2018, the Bank had undisbursed loans in process of $5,457 with fixed interest rates of 4.375% to 5.73% and adjustable rates ranging from 3.125% to 4.50%. At December 31, 2017 the Bank had undisbursed loans in process of $7,411 with fixed interest rates ranging from 4.375% to 4.625% and adjustable interest rates ranging from 3.125% to 3.500%.

 

Lines of Credit

 

Lines of credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Lines of credit generally have fixed expiration dates. Since a portion of the line may expire without being drawn upon, the total unused lines do not necessarily represent future cash requirements. Each customer’s creditworthiness is evaluated on a case-by-case basis. The amount of collateral obtained, if deemed necessary, is based on management’s credit evaluation of the counterparty. Collateral held varies but may include accounts receivable, inventory, property, plant and equipment, commercial real estate and residential real estate. Management uses the same credit policies in granting lines of credit as it does for on-balance-sheet instruments.

 

Lines of credit at September 30, 2018 and December 31, 2017 were as follows:

 

   September 30, 2018   December 31, 2017 
Unused lines of credit  $4,322   $3,509 
Unused home equity lines   12,240    11,305 
           
Total commitments  $16,562   $14,814 

 

 28 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

Note 8:Equity Incentive Plan

 

In September 2018, the Company’s stockholders approved the Eagle Financial Bancorp, Inc. 2018 Equity Incentive Plan (the “2018 Plan”). The 2018 Plan authorizes the issuance or delivery to participants of up to 225,792 shares of the Company’s common stock pursuant to the grants of restricted stock awards, incentive stock options, and non-qualified stock options. Of this number, the maximum number of shares of Company common stock that may be issued under the 2018 Plan pursuant to the exercise of stock options is 161,280 shares and the maximum number of shares of Company common stock that may be issued as restricted stock awards is 64,512 shares. Stock options awarded to employees may be incentive stock options or non-qualified stock options. Shares awarded under the 2018 Plan may be authorized but unissued shares or treasury shares. The 2018 Plan contains annual and lifetime limits on certain types of awards to individual participants.

 

Awards may vest or become exercisable only upon the achievement of performance measures or based solely on the passage of time after award. Stock options and restricted stock awards provide for accelerated vesting if there is a change in control (as defined in the 2018 Plan).

 

In September 2018, the Company granted stock options for 32,255 shares to members of the Board of Directors. Options granted in September 2018 have an exercise price $15.89, as determined on the grant date and expire ten years from the grant date.

 

The fair value was calculated using the Black-Scholes model for stock options granted in September 2018 using the following assumptions: expected volatility of 24.56%, a risk free interest rate of 3.01%, and an expected term of 7.5 years. The Company utilized the simplified method to determine the expected term because it does not have sufficient historical exercise data to provide a reasonable basis upon which to estimate the expected term.

 

The weighted average grant-date fair value of options granted during the year 2018 was $5.57 per share.

 

At September 30, 2018, no stock options were exercisable.

 

In September 2018, the Company awarded 12,900 restricted shares to members of the Board of Directors. The restricted stock awards have a five year vesting period. During the restricted period, the holder is entitled to full voting rights and dividends, thus are considered participating securities.

 

Total compensation cost recognized in the income statement for share-based payment arrangements during the three and nine months ended September 30, 2018 was $6.

 

As of September 30, 2018, there was approximately $378 of total unrecognized compensation cost related to unvested share-based compensation arrangements granted under the Plan. That cost is expected to be recognized over a remaining weighted-average period of 5 years.

 

Note 9:Recent Accounting Pronouncements

 

Eagle Financial Bancorp, Inc. is an “emerging growth company. As an “emerging growth company”, we have elected to use the extended transition period to delay adoption of new or revised accounting pronouncements applicable to public companies until such pronouncements are made applicable to private companies. Accordingly, our financial statements may not be comparable to the financial statements of public companies that comply with such new or revised accounting standards.

 

 29 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

In May 2014, the FASB issued ASU No. 2014-09 "Revenue from Contracts with Customers (Topic 606). The core principle of the guidance is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods and services. On July 9, 2015, the FASB approved amendments deferring the effective date by one year. ASU 2014-09 is now effective for annual reporting periods beginning after December 15, 2017, including interim periods with in that reporting period. Early application is permitted but not before the original public entity effective date, i.e., annual periods beginning after December 15, 2016. In March 2016, the FASB issued final amendments (ASU No. 2016-08 and ASU No. 2016-10) to clarify the implementation guidance for principal versus agent considerations, identifying performance obligations and the accounting for licenses of intellectual property. The amendments can be applied retrospectively to each prior reporting period or retrospectively with the cumulative effect of initially applying this Update recognized at the date of initial application. In May 2016, the FASB issued final amendments (ASU No. 2016-12 and ASU 2016-11) to address narrow-scope improvements to the guidance on collectibility, non-cash consideration, completed contracts at transition and to provide a practical expedient for contract modifications at transition and an accounting policy election related to the presentation of sales taxes and other similar taxes collected from customers. Additionally, the amendments included a rescission of SEC guidance because of ASU 2014-09 related to revenue and expense recognition for freight services in process, accounting for shipping and handling fees and costs, and accounting for consideration given by a vendor to a customer. In December 2016, the FASB issued final guidance (ASU 2016-20) that allows entities not to make quantitative disclosures about performance obligations in certain cases and requires entities that use any of the new or previously existing optional exemptions to expand their qualitative disclosures. It also makes 12 additional technical corrections and improvements to the new revenue standard. These amendments are effective upon the adoption of ASU 2014-09. Public entities should apply the amendments in ASU 2014-9 to interim reporting periods within annual reporting periods beginning after December 15, 2017 (that is, a public entity would be required to apply the new revenue standard beginning in the first interim period within the period of adoption). Nonpublic entities should apply the amendments in ASU 2014-9 for annual reporting periods beginning after December 31, 2018, and to interim reporting periods within annual reporting periods beginning after December 19, 2019. The Company continues to assess the guidance from the FASB and the Transition Resource Group for Revenue Recognition in determining the impact of ASU 2014-09 on its accounting and disclosures. The adoption of ASU 2014-09 is not expected to have a material impact on the Company’s accounting and disclosures.

 

In January 2016, the FASB issued ASU No. 2016-01 "Financial Instruments - Overall (Subtopic 825-10) - Recognition and Measurement of Financial Assets and Financial Liabilities." ASU 2016-01 is intended to improve the recognition and measurement of financial instruments by requiring equity investments to be measured at fair value with changes in fair value recognized in net income; requiring public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; requiring separate presentation of financial assets and financial liabilities by measurement category and form of financial asset on the balance sheet or the accompanying notes to the financial statements; eliminating the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured and amortized at cost on the balance sheet; and requiring a reporting organization to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the organization has elected to measure the liability at fair value in accordance with the fair value option for financial instruments. ASU 2016-01 is effective for public companies for fiscal years beginning after December 31, 2017, including interim periods within those fiscal years. For private companies the new guidance becomes effective for fiscal years beginning after December 15, 2018, and for interim periods within fiscal years beginning after December 15, 2019. The amendments should be applied by means of a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption. The amendments related to equity securities without readily determinable fair values (including disclosure requirements) should be applied prospectively to equity investments that exist as of the date of adoption. The Company is currently evaluating the impact of these amendments, but does not expect them to have a material effect on the Company’s financial position or results of operations since it does not have any equity securities or a valuation allowance. However, the amendments will have an impact on certain items that are disclosed at fair value that are not currently utilizing the exit price notion when measuring fair value. At this time the Company cannot quantify the change in the fair value of such disclosures since the Company continues to evaluate the full impact of the Update and is continuing to develop appropriate procedures and processes to comply with the disclosure requirements of such amendments. The current accounting policies and procedures will be modified after the Company fully evaluates the standard to comply with the accounting changes mentioned above. For additional information on fair value of assets and liabilities, see Note 5.

 

 30 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

In February 2016, the FASB issued ASU No. 2016-02 "Leases (Topic 842)." ASU 2016-02 establishes a right of use model that requires a lessee to record a right of use asset and a lease liability for all leases with terms longer than 12 months. Leases will be classified as either finance or operating, with classification affecting the pattern of expense recognition in the income statement. For lessors, the guidance modifies the classification criteria and the accounting for sales-type and direct financing leases. A lease will be treated as a sale if it transfers all of the risks and rewards, as well as control of the underlying asset, to the lessee. If risks and rewards are conveyed without the transfer of control, the lease is treated as a financing lease. If the lessor doesn't convey risks and rewards or control, an operating lease results. Public business entities should apply the amendments in ASU 2016-02 for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Nonpublic business entities should apply the amendments for fiscal years beginning after December 15, 2019 and interim periods within fiscal years beginning after December 15, 2020. Entities are required to use a modified retrospective approach for leases that exist or are entered into after the beginning of the earliest comparative period in the financial statements, with certain practical expedients available. The impact is not expected to have a material effect on the Company’s financial position or results of operations since the Company does not have a material amount of lease agreements. The Company is continuing to evaluate the amendments and will subsequently implement new processes to comply with the ASU. In addition, the Company will change its current accounting practice to comply with the amendments and such changes as mentioned above.

 

In June 2016, the FASB issued ASU No. 2016-13, "Financial Instruments-Credit Losses (Topic 326) -Measurement of Credit Losses on Financial Instruments." The provisions of ASU 2016-13 were issued to provide financial statement users with more decision-useful information about the expected credit losses on financial instruments that are not accounted for at fair value through net income, including loans held for investment, held-to-maturity debt securities, trade and other receivables, net investment in leases and other commitments to extend credit held by a reporting entity at each reporting date. ASU 2016-13 requires that financial assets measured at amortized cost be presented at the net amount expected to be collected, through an allowance for credit losses that is deducted from the amortized cost basis. The amendments in ASU 2016-13 eliminate the probable incurred loss recognition in current GAAP and reflect an entity's current estimate of all expected credit losses. The measurement of expected credit losses is based upon historical experience, current conditions, and reasonable and supportable forecasts that affect the collectibility of the financial assets. For public business entities that are U.S. Securities and Exchange Commission (SEC) filers, the amendments are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. For all other public business entities, the amendments are effective for fiscal years beginning after December 15, 2020, including interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2020, and interim periods within fiscal years beginning after December 15, 2021. Early adoption is permitted for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. The Company continues to evaluate the impact of these amendments to the Company’s financial position and results of operations and currently does not know or cannot reasonably quantify the impact of the adoption of the amendments as a result of the complexity and extensive changes from the amendments. The Allowance for Loan Losses (ALL) estimate is material to the Company and given the change from an incurred loss model to a methodology that considers the credit loss over the life of the loan, there is the potential for an increase in the ALL at the adoption date. The Company is anticipating a significant change in processes and procedures to calculate the ALL, including changes in assumptions and estimates to consider the expected credit losses over the life of the loan versus the current accounting practice that utilizes the incurred loss model. In addition, the current accounting policy and procedures for the other-than temporary impairment on available-for-sale securities will be replaced with an allowance approach. The Company has continued developing processes during the third quarter of 2018. Management continues to focus its attention on collecting historical loan loss data, loan level data, and evaluating data capabilities to ensure it is fully compliant with the amendments at adoption date. For additional information on the allowance for loan losses, see Note 2.

 

 31 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

In August 2016, the FASB issued ASU No. 2016-15 "Statement of Cash Flows (Topic 230) - Classification of Certain Cash Receipts and Cash Payments." ASU 2016-15 provides cash flow statement classification guidance for certain transactions including how the predominance principle should be applied when cash receipts and cash payments have aspects of more than one class of cash flows. The amendments are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Early adoption is permitted, including adoption in an interim period. The Company has assessed ASU 2016-15 and does not expect a significant impact on its accounting and disclosures.

 

In November 2016, the FASB issued ASU No. 2016-18 "Statement of Cash Flows (Topic 230) – Restricted Cash." ASU 2016-18 provides amendments to cash flow statement classification and presentation to explain the change during the period in the total of cash, cash equivalents, and amounts generally described as restricted cash or restricted cash equivalents. The amendments are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2018 and interim periods within fiscal years beginning after December 15, 2019. Early adoption is permitted, including adoption in an interim period. The amendments should be applied using a retrospective transition method to each period presented. The Company has assessed ASU 2016-18 and does not expect a significant impact on its accounting and disclosures.

 

In August 2018, the FASB issued ASU No. 2018-13 “Fair Value Measurement (Topic 820): Disclosure Framework – Changes to the Disclosure Requirements for Fair Value Measurement”. ASU No. 2018-13 applies to all entities that are required to make disclosures about recurring or nonrecurring fair value measurements. The amendments in this update modify fair value disclosure requirements, including the deletion, modification, and addition of certain targeted disclosures. The amendments are effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. Early adoption is permitted. An entity is permitted to early adopt any removed or modified disclosures upon issuance of the update and delay adoption of the additional disclosures until the effective date. The amendments are to be applied on a retrospective basis to all periods presented upon adoption, except for certain amendments described in the update that are to be applied prospectively for only the most recent interim period presented in the initial fiscal year of adoption. The Company is currently evaluating the potential effects of ASU No. 2018-13.

 

 32 

 

 

Eagle Financial Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

September 30, 2018 (Unaudited) and December 31, 2017

Three Months and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(Amounts in thousands, except share and per share data)

 

In August 2018, the FASB issued ASU No. 2018-15 “Intangibles – Goodwill and Other – Internal-Use Software (Topic 350-40): Customer’s Accounting for Implementation Costs incurred in a Cloud Computing Arrangement That Is a Service Contract”. ASU No. 2018-15 applies to entities that are a customer in a hosting arrangement, as defined, that is accounted for as a service contract. The amendments in this update require an entity (customer) in a hosting arrangement that is a service contract to follow the guidance in Subtopic 350-40 to determine which implementation costs to capitalize as an asset related to the service contract and which costs to expense. Capitalized implementation costs are to be expensed over the term of the hosting arrangement. The amendments in this update are effective for fiscal years beginning after December 31, 2020, and interim periods within those fiscal years. Early adoption is permitted, including adoption in any period. The amendments can be applied either retrospectively or prospectively to all implementation costs after the date of adoption. The Company is currently evaluating the potential effects of ASU No. 2018-15.

 

 33 

 

  

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

 

General

 

Management’s discussion and analysis of the financial condition and results of operations at and for the three and nine months ended September 30, 2018 and 2017 is intended to assist in understanding the financial condition and result of operations of the Bank. The information contained in this section should be read in conjunction with the Unaudited Condensed Financial Statements and the notes thereto, appearing in Part 1, Item 1 of this quarterly report on Form 10-Q.

 

CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS

 

This quarterly report contains forward-looking statements, which can be identified by the use of words such as “estimate,” “project,” “believe,” “intend,” “anticipate,” “assume,” “plan,” “seek,” “expect,” “will,” “may,” “should,” “indicate,” “would,” “believe,” “contemplate,” “continue,” “target” and words of similar meaning. These forward-looking statements include, but are not limited to:

 

·statements of our goals, intentions and expectations;

 

·statements regarding our business plans, prospects, growth and operating strategies;

 

·statements regarding the asset quality of our loan and investment portfolios; and

 

·estimates of our risks and future costs and benefits.

 

These forward-looking statements are based on our current beliefs and expectations and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change. We are under no duty to and do not take any obligation to update any forward-looking statements after the date of this report.

 

The following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements:

 

·our ability to continue to manage our operations successfully;

 

·our ability to successfully implement our business plan of managed growth, diversifying our loan portfolio and increasing mortgage banking operations to improve profitability;

 

·our success in increasing our commercial business, commercial real estate, construction and home equity lending;

 

·adverse changes in the financial industry, securities, credit and national local real estate markets (including real estate values);

 

·significant increases in our loan losses, including as a result of our inability to resolve classified and non-performing assets or reduce risks associated with our loans, and management’s assumptions in determining the adequacy of the allowance for loan losses;

 

·credit risks of lending activities, including changes in the level and trend of loan delinquencies and write-offs and in our allowance for loan losses and provision for loan losses;

 

·the use of estimates in determining fair value of certain of our assets, which may prove to be incorrect and result in significant declines in valuations;

 

·competition among depository and other financial institutions;

 

·our ability to attract and maintain deposits and our success in introducing new financial products;

 

 34 

 

  

·our ability to maintain our asset quality even as we increase our commercial business, commercial real estate, construction, and home equity lending;

 

·changes in interest rates generally, including changes in the relative differences between short term and long term interest rates and in deposit interest rates, that may affect our net interest margin and funding sources;

 

·fluctuations in the demand for loans, which may be affected by the number of unsold homes, land and other properties in our market areas and by declines in the value of real estate in our market area;

 

·changes in consumer spending, borrowing and saving habits;

 

·declines in the yield on our assets resulting from the current low interest rate environment;

 

·risks related to a high concentration of loans secured by real estate located in our market area;

 

·the results of examinations by our regulators, including the possibility that our regulators may, among other things, require us to increase our allowance for loan losses, write down assets, change our regulatory capital position, limit our ability to borrow funds or maintain or increase deposits, or prohibit us from paying dividends, which could adversely affect our dividends and earnings;

 

·changes in the level of government support of housing finance;

 

·our ability to enter new markets successfully and capitalize on growth opportunities;

 

·changes in laws or government regulations or policies affecting financial institutions, including the Dodd-Frank Act and the JOBS Act, which could result in, among other things, increased deposit insurance premiums and assessments, capital requirements, regulatory fees and compliance costs, particularly the new capital regulations, and the resources we have available to address such changes;

 

·changes in accounting policies and practices, as may be adopted by the bank regulatory agencies, the Financial Accounting Standards Board, the Securities and Exchange Commission and the Public Company Accounting Oversight Board;

 

·changes in our compensation and benefit plans, and our ability to retain key members of our senior management team and to address staffing needs in response to product demand or to implement our strategic plans;

 

·loan delinquencies and changes in the underlying cash flows of our borrowers;

 

·our ability to control costs and expenses, particularly those associated with operating as a publicly traded company;

 

·the failure or security breaches of computer systems on which we depend;

 

·the ability of key third-party service providers to perform their obligations to us;

  

·other economic, competitive, governmental, regulatory and operational factors affecting our operations, pricing, products and services described elsewhere in this prospectus.

 

Because of these and a wide variety of other uncertainties, our actual future results may be materially different from the results indicated by these forward-looking statements.

 

 35 

 

 

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 U.S. generally accepted accounting principles. 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 our 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 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 represents our critical accounting policies:

 

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 uncollectability 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 collectability 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 for the last three years and expected loss given default derived from our internal risk rating process. Other qualitative adjustments are 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 we will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent.

 

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.

 

 36 

 

 

FHLB-Cincinnati Lender Risk Account Receivable. Certain loan sale transactions with the FHLB-Cincinnati provide for establishment of a Lender Risk Account (“LRA”). The LRA consists of amounts withheld from loan sale proceeds by the FHLB-Cincinnati for absorbing inherent losses that are probable on those sold loans. These withheld funds are an asset as they are scheduled to be paid to us in future years, net of any credit losses on those loans sold. The receivables are initially measured at fair value. The fair value is estimated by discounting the cash flows over the life of each master commitment contract. The accretable yield is amortized over the life of the master commitment contract. Expected cash flows are re-evaluated at each measurement date. If there is an adverse change in expected cash flows, the accretable yield would be adjusted on a prospective basis and the asset would be evaluated for impairment.

 

Comparison of Financial Condition at September 30, 2018 and December 31, 2017

 

Total Assets. Total assets were $137.8 million at September 30, 2018, an increase of $6.7 million, or 5.1%, over the $131.1 million at December 31, 2017. The increase was primarily due to an increase in net loans of $14.3 million, offset by a decrease in cash and due from banks of $5.9 million.

 

Net Loans. Net loans increased by $14.3 million, or 14.8%, to $110.8 million at September 30, 2018 from $96.5 million at December 31, 2017. During the nine months ended September 30, 2018, we originated $75.6 million of loans, $55.8 million of which were one- to four-family residential real estate loans, and we sold $42.7 million of loans in the secondary market. During the nine months ended September 30, 2018, one- to four-family residential real estate loans increased $11.0 million, or 20.5%, to $64.7 million at September 30, 2018, from $53.7 million at December 31, 2017; multi-family loans decreased $881,000, or 42.3%, to $1.2 million at September 30, 2018; commercial real estate loans and land loans increased $2.3 million, or 16.7%, to $16.0 million at September 30, 2018; construction loans decreased $302,000, or 2.9%, to $10.1 million at September 30, 2018; home equity and other consumer loans increased $689,000, or 5.5%, to $13.3 million at September 30, 2018; and commercial loans increased $315,000, or 5.7%, to $5.9 million at September 30, 2018. The increases in loan balances reflect our strategy to grow and diversify our loan portfolio. Such growth has been achieved amid strong competition for commercial real estate and one- to four-family residential mortgage loans in our market area in the current low interest rate environment. We have sold loans on a servicing released basis in transactions with the FHLB-Cincinnati, through its mortgage purchase program, and with other investors. We sold $42.7 million of loans in the nine months ended September 30, 2018. Loans serviced for investors were $1.9 million at September 30, 2018. Management intends to continue this sale of loans through the FHLB-Cincinnati in future periods.

 

Interest-Bearing Deposits in Other Banks. The Bank’s investment in certificates of deposit in other banks decreased $846,000, or 16.7%, to $4.2 million as of September 30, 2018.

 

Foreclosed Assets Held for Sale. Foreclosed assets held for sale increased to $217,000 at September 30, 2018 from none at December 31, 2017. The Bank sold a one- to four-family residential property valued at $46,000, and added a one- to four-family residential property valued at $90,000 and a commercial real estate property valued at $127,000 during the three months ended September 30, 2018.

 

Deposits. Deposits increased by $6.3 million, or 6.2%, to $107.4 million at September 30, 2018 from $101.1 million at December 31, 2017. Our core deposits, which we define as all deposits other than certificates of deposit, increased $1.9 million, or 3.1%, to $61.3 million at September 30, 2018 from $59.4 million at December 31, 2017. Certificates of deposits increased $4.4 million, or 10.6%, to $46.1 million at September 30, 2018 from $41.7 million at December 31, 2017. During the nine months ended September 30, 2018, management continued its strategy of pursuing growth in demand accounts and other lower cost core deposits, but also changed its emphasis slightly by attracting other deposits with certificate of deposit specials. Management intends to continue its efforts to increase core deposits, with a special emphasis on growth in consumer and business demand deposits.

 

Federal Home Loan Bank Advances. At September 30, 2018, the Bank had no advances from the Federal Home Loan Bank, as the Bank repaid $9,000 in advances during 2018.

 

Shareholders’ Equity. Shareholders’ equity increased $375,000, or 1.4%, to $27.7 million at September 30, 2018 from $27.3 million at December 31, 2017. The increase resulted from net income of $291,000 during the nine months ended September 30, 2018, and expense of $84,000 related to the ESOP shares committed to be released.

 

 37 

 

 

Comparison of Operating Results for the Three Months Ended September 30, 2018 and September 30, 2017

 

General. Our net income for the three months ended September 30, 2018 was $79,000, compared to a net loss of $220,000 for the three months ended September 30, 2017, an increase of $299,000, or 135.9%. The increase in net income was primarily due to a $149,000 increase in interest earned on loans and a decrease of $402,000 in non-interest expense, offset by a $35,000 increase in interest expense on deposits, an increase in provision for loan losses of $82,000, and an increase in provision for income taxes of $105,000.

 

Interest Income. Interest income increased $142,000, or 12.3%, to $1.3 million for the three months ended September 30, 2018 from $1.2 million for the three months ended September 30, 2017. This increase was primarily attributable to a $149,000 increase in interest income on loans receivable. The average balance of loans during the three months ended September 30, 2018 increased by $15.9 million, or 17.1%, from the average balance for the three months ended September 30, 2017. Interest income on other interest-bearing deposits, including certificates of deposit in other financial institutions, decreased $7,000, or 9.9%, for the three months ended September 30, 2018, as a result of a decrease in the average balance outstanding of $8.0 million. We held no investment securities during the 2018 or 2017 periods.

 

Interest Expense. Total interest expense increased $35,000, or 21.0%, to $202,000 for the three months ended September 30, 2018 from $167,000 for the three months ended September 30, 2017. The average balance of deposits during the three months ended September 30, 2018 decreased by $1.3 million, or 1.2% from the average balance for the three months ended September 30, 2017. However, the decrease in average balance was more than offset by a 15 basis point increase in the average cost of deposits to 0.81% from 0.66%.

 

The Bank had no interest expense on FHLB advances for the three months ended September 30, 2018. The average balance of FHLB advances during the three months ended September 30, 2018 decreased by $14,000, or 100.0%, from the average balance for the three months ended September 30, 2017.

 

Net Interest Income. Net interest income increased $107,000, or 10.9%, to $1.1 million for the three months ended September 30, 2018, compared to $983,000 for the three months ended September 30, 2017. The increase reflected an increase in total interest and dividend income of $142,000 offset by an increase in total interest expense of $35,000. Our net interest rate spread increased six basis points to 3.46% at September 30, 2018 from 3.40% at September 30, 2017. Our net interest margin increased to 3.60% for the three months ended September 30, 2018 from 3.47% for the three months ended September 30, 2017. The interest rate spread and net interest margin were impacted by rising interest rates in the three months ended September 30, 2018.

 

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 $99,000 for the three months ended September 30, 2018 and $17,000 for the three months ended September 30, 2017. The allowance for loan losses was $1.2 million, or 1.01% of total loans, at September 30, 2018, compared to $1.2 million, or 1.12% of total loans, at December 31, 2017. The provision for loan losses in the three months ended September 30, 2018 was due primarily to loan charge-offs of $81,000 and increases in the size of our loan portfolio, more specifically one- to four-family adjustable rate mortgages and commercial real estate loans. Total nonperforming loans were $874,000 at September 30, 2018, compared to $1.4 million at December 31, 2017. Classified and special mention loans decreased to $2.1 million at September 30, 2018, compared to $2.5 million at December 31, 2017. Total loans past due 30 days or more were $1.1 million and $1.0 million at September 30, 2018 and December 31, 2017, respectively. Net charge-offs totaled $77,000 for the three months ended September 30, 2018, compared to $79,000 of net loan charge-off for the three months ended September 30, 2017. The allowance for loan losses reflects the estimate we believe to be appropriate to cover incurred probable losses which were inherent in the loan portfolio at September 30, 2018 and 2017. While we believe the estimates and assumptions used in our determination of the adequacy of the allowance are reasonable, such estimates and assumptions could be proven incorrect in the future, and the actual amount of future provisions may exceed the amount of past provisions, and the increase in future provisions that may be required may adversely impact our financial condition and results of operations. In addition, bank regulatory agencies periodically review our allowance for loan losses and may require an increase in the provision for possible loan losses or the recognition of further loan charge-offs, based on judgments different than those of management.

 

 38 

 

 

Non-Interest Income. Non-interest income decreased $23,000, or 4.5%, to $493,000 for the three months ended September 30, 2018 from $516,000 for the three months ended September 30, 2017. The decrease was primarily due to a decrease in the gain on sale of loans during the three months ended September 30, 2018 as compared to the three months ended September 30, 2017. Gain on sale of loans decreased $18,000, or 4.0%, to $430,000 for the three months ended September 30, 2018 from $448,000 for the three months ended September 30, 2017. This decrease is a result of increasing the loan portfolio by retaining more adjustable rate loans instead of selling them in the secondary market.

 

Non-Interest Expense. Non-interest expense decreased $402,000, or 22.5%, to $1.4 million for the three months ended September 30, 2018, compared to $1.8 million for the three months ended September 30, 2017. The majority of the decrease was the effect of making the charitable contribution of $500,000 to the Eagle Savings Bank Charitable Foundation during the three months ended September 30, 2017, a cost related to our conversion to a stock company that was recognized during the third quarter of 2017. That decrease was partially offset by increases in legal and professional expenses of $37,000, franchise and other taxes of $33,000, and other expenses of $24,000 during the three months ended September 30, 2018. Non-interest expense can be expected to increase in the future compared to historical expense levels because of costs associated with operating as a public company and increased compensation costs related to the stock-based benefit plans approved by our stockholders.

 

Federal Income Taxes. Federal income taxes increased by $105,000 to $22,000 for the three months ended September 30, 2018, compared to an income tax benefit of $83,000 for the three months ended September 30, 2017. The increase in income tax expense for the three months ended September 30, 2018 was a direct result of the increase in interest income and the resulting decrease in non-interest expense.

 

 39 

 

 

Average Balances and Yields

 

The following table sets forth average balance sheets, average yields and costs, and certain other information at and for the periods indicated. No tax-equivalent yield adjustments were made, as the effect thereof was not material. All average balances are daily average balances. Non-accrual 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 deferred fees, discounts and premiums that are amortized or accreted to interest income or interest expense.

 

   For the Three Months Ended September 30, 
   2018   2017 
           Average           Average 
   Average       Yield/   Average       Yield/ 
   Balance   Interest   Cost (4)   Balance   Interest   Cost (4) 
                         
Assets:                              
Interest Earning Assets                              
Loans  $109,332   $1,228    4.49%  $93,395   $1,079    4.62%
Interest earning deposits   11,786    64    2.17%   19,780    71    1.44%
Total interest-earning assets   121,118    1,292    4.27%   113,175    1,150    4.06%
Total non-interest earning assets   14,740              15,646           
Total assets  $135,858             $128,821           
                               
Liabilities and Equity:                              
Interest bearing checking   18,655    7    0.15%   22,904    7    0.12%
Savings   17,211    6    0.14%   16,183    6    0.15%
Money Market   18,981    11    0.23%   20,095    11    0.22%
CD's   45,456    178    1.57%   42,375    143    1.35%
Total interest-bearing deposits   100,303    202    0.81%   101,557    167    0.66%
FHLB Advances   -    -         14    -    3.33%
Total interest bearing liabilities   100,303    202    0.81%   101,571    167    0.66%
Total non-interest-bearing liabilities   7,828              6,996           
                               
Total liabilities   108,131              108,567           
Total equity   27,727              20,254           
Total liabilities and equity  $135,858             $128,821           
                               
Net interest income       $1,090             $983      
Net interest rate spread (1)             3.46%             3.40%
Net interest earning assets (2)  $20,815             $11,604           
Net interest margin (3)             3.60%             3.47%
Ratio of average interest-earning assets to average interest bearing liabilities   120.75%             111.42%          

 

 

(1)Interest rate spread represents the difference between the yield on average interest-earning assets and the cost of average interest-bearing liabilities.
(2)Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.
(3)Net interest margin represents net interest income divided by total interest-earning assets.
(4)Average yield/cost is annualized

 

 40 

 

 

Comparison of Operating Results for the Nine Months Ended September 30, 2018 and September 30, 2017

 

General. Our net income for the nine months ended September 30, 2018 was $291,000, compared to a net income of $95,000 for the nine months ended September 30, 2017, an increase of $196,000, or 206.3%. The increase in net income was primarily due to a $514,000 increase in interest income, and a decrease in non-interest expense of $96,000, partially offset by a $61,000 increase in interest expense, and a decrease in noninterest income of $355,000 during the nine months ended September 30, 2018 as compared to September 30, 2017.

 

Interest Income. Interest income increased $514,000, or 16.2%, to $3.7 million for the nine months ended September 30, 2018 from $3.2 million for the nine months ended September 30, 2017. This increase was attributable to a $457,000 increase in interest income on loans receivable and an increase of $57,000 in interest income on other interest-earning deposits. The average balance of loans during the nine months ended September 30, 2018 increased by $15.5 million, or 17.5%, from the average balance for the nine months ended September 30, 2017. Interest income on other interest-bearing deposits, including certificates of deposit in other financial institutions, increased $57,000, or 38.5%, for the nine months ended September 30, 2018, as a result of an increase in the average yield of 83 basis points, to 1.90%. We held no investment securities during the 2018 or 2017 periods.

 

Interest Expense. Total interest expense increased $61,000, or 12.3%, to $556,000 for the nine months ended September 30, 2018 from $495,000 for the nine months ended September 30, 2017. The average balance of deposits during the nine months ended September 30, 2018 decreased by $752,000, or 0.8%, from the average balance for the nine months ended September 30, 2017. This decrease in balance was offset by a 9 basis point increase in the average cost of deposits to 0.76% from 0.67%.

 

Interest expense on FHLB advances decreased $1,000, or 100.0%, to $0 for the nine months ended September 30, 2018. The average balance of FHLB advances during the nine months ended September 30, 2018 decreased by $19,000, or 90.5%, to $2,000 from the average balance for the nine months ended September 30, 2017.

 

Net Interest Income. Net interest income increased $453,000, or 16.9%, to $3.1 million for the nine months ended September 30, 2018, compared to $2.7 million for the nine months ended September 30, 2017. The increase reflected an increase in total interest and dividend income of $514,000, partially offset by an increase in total interest expense of $61,000. Our net interest rate spread increased 10 basis points to 3.39% at September 30, 2018 from 3.29% at September 30, 2017. Our net interest margin increased to 3.53% for the nine months ended September 30, 2018 from 3.34% for the nine months ended September 30, 2017. The interest rate spread and net interest margin were impacted by rising interest rates in the nine months ended September 30, 2018.

 

Provision for Loan Losses. We recorded a provision for loan losses of $99,000 for the nine months ended September 30, 2018 and $102,000 for the nine months ended September 30, 2017. The allowance for loan losses was $1.2 million, or 1.01% of total loans, at September 30, 2018, compared to $1.2 million, or 1.12% of total loans, at December 31, 2017. The provision for loan losses in the nine months ended September 30, 2018 was due primarily to loan charge-offs of $103,000 and increases in our loan portfolio, more specifically 1-4 adjustable rate mortgages and commercial real estate loans. Total nonperforming loans were $874,000 at September 30, 2018, compared to $1.4 million at December 31, 2017. Classified and special mention loans decreased to $2.1 million at September 30, 2018, compared to $2.5 million at December 31, 2017. Total loans past due 30 days or more were $1.1 million and $1.0 million at September 30, 2018 and December 31, 2017, respectively. Net loan charge-offs totaled $91,000 for the nine months ended September 30, 2018, compared to $72,000 of net loans charge-offs for the nine months ended September 30, 2017. The allowance for loan losses reflects the estimate we believe to be appropriate to cover incurred probable losses which were inherent in the loan portfolio at September 30, 2018 and 2017.

 

Non-Interest Income. Non-interest income decreased $355,000, or 20.6%, to $1.4 million for the nine months ended September 30, 2018 from $1.7 million for the nine months ended September 30, 2017. The decrease was primarily due to the decrease of $348,000 in net gains on loan sales during the nine months ended September 30, 2018 as compared to the nine months ended September 30, 2017. During the 2018 period, loans sold in the secondary market decreased as there was an emphasis to grow the portfolio by originating and retaining 5/1 ARM residential mortgages.

 

 41 

 

 

Non-Interest Expense. Non-interest expense decreased $96,000, or 2.3%, to $4.1 million for the nine months ended September 30, 2018. The majority of the decrease was due to the effect of the charitable contribution of $500,000 made to the Eagle Savings Bank Charitable Foundation during the nine months ended September 30, 2017, a cost related to our conversion to a stock company that was recognized during the third quarter of 2017. That decrease was offset by increases in compensation and benefits of $179,000, legal and professional expenses of $62,000, franchise and other taxes of $79,000, data processing expenses of $21,000, and other expenses of $66,000 during the nine months ended September 30, 2018. Non-interest expense can be expected to increase in the future compared to historical expense levels because of costs associated with operating as a public company and increased compensation costs related to the stock-based benefit plans approved by our stockholders.

 

Federal Income Taxes. Federal income taxes increased by $1,000 for the nine months ended September 30, 2018, compared to the nine months ended September 30, 2017. The reason for the small increase in tax expense despite the increase of income before income taxes of $197,000 was the result of the tax legislation at the end of 2017.

 

 42 

 

 

Average Balances and Yields

 

The following table sets forth average balance sheets, average yields and costs, and certain other information at and for the periods indicated. No tax-equivalent yield adjustments were made, as the effect thereof was not material. All average balances are daily average balances. Non-accrual 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 deferred fees, discounts and premiums that are amortized or accreted to interest income or interest expense.

 

   For the Nine Months Ended September 30, 
   2018   2017 
           Average           Average 
   Average       Yield/   Average       Yield/ 
   Balance   Interest   Cost (4)   Balance   Interest   Cost (4) 
                         
Assets:                              
Interest Earning Assets                              
Loans  $104,083   $3,487    4.47%  $88,566   $3,030    4.56%
Interest earning deposits   14,419    205    1.90%   18,380    148    1.07%
Total interest-earning assets   118,502    3,692    4.15%   106,946    3,178    3.96%
Total non-interest earning assets   14,388              14,567           
Total assets  $132,890             $121,513           
                               
                               
Liabilities and Equity:                              
Interest bearing checking   17,829    20    0.15%   19,379    19    0.13%
Savings   17,314    19    0.15%   16,089    17    0.14%
Money Market   19,223    32    0.22%   20,856    35    0.22%
CD's   43,768    485    1.48%   42,562    423    1.33%
Total interest-bearing deposits   98,134    556    0.76%   98,886    494    0.67%
FHLB Advances   2    -    3.33%   21    1    3.33%
Total interest bearing liabilities   98,136    556    0.76%   98,907    495    0.67%
Total non-interest-bearing liabilities   7,173              6,752           
                               
Total liabilities   105,309              105,659           
Total equity   27,581              15,854           
Total liabilities and equity  $132,890             $121,513           
                               
Net interest income       $3,136             $2,683      
Net interest rate spread (1)             3.39%             3.29%
Net interest earning assets (2)  $20,366             $8,039           
Net interest margin (3)             3.53%             3.34%
Ratio of average interest-earning assets to average interest bearing liabilities   120.75%             108.13%          

 

 

(1)Interest rate spread represents the difference between the yield on average interest-earning assets and the cost of average interest-bearing liabilities.
(2)Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.
(3)Net interest margin represents net interest income divided by total interest-earning assets.
(4)Average yield/cost is annualized

 

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 proceeds from the sale of loans. We also have the ability to borrow from the FHLB-Cincinnati. At September 30, 2018, we had no outstanding advances from the FHLB-Cincinnati. At September 30, 2018, we had the capacity to increase our borrowings by approximately $54.0 million from the FHLB-Cincinnati including a $10 million line of credit with the FHLB-Cincinnati.

 

 43 

 

 

While maturities and scheduled amortization of loans 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 by operating activities was $1.9 million for the nine months ended September 30, 2018, while net cash used in operating activities was $3.3 million for the nine months ended September 30, 2017, respectively.. Net cash used in investing activities, which consists primarily of disbursements for loan originations, was $13.8 million for the nine months ended September 30, 2018, while the net cash used in investing activities was $16.6 million for the nine months ended September 30, 2017, respectively. Net cash provided by financing activities, consisting primarily of the activity in deposit accounts, was $6.0 million for the nine month ended September 30, 2018, while the net cash provided by financing activities was $13.0 million for the nine months ended September 30, 2017, consisting primarily of the proceeds from the issuance of common stock received in the banks conversion to a stock bank.

 

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 September 30, 2018, Eagle Savings Bank exceeded all of its regulatory capital requirements with a Tier 1 leverage capital level of $20.6 million, or 15.2% of adjusted total assets, which is above the $6.8 million, or 5.0% required to be considered well-capitalized, and total risk-based capital of $21.8 million, or 16.9% of risk-weighted assets, which is above the well-capitalized required level of $12.9 million, or 10.0%. Accordingly, Eagle Savings Bank was categorized as well capitalized at September 30, 2018 and December 31, 2017. In addition, our capital levels increased as a result of the July 20, 2017 consummation of the Bank’s mutual to stock conversion and related offering of the Company. 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 September 30, 2018, we had outstanding commitments to originate loans of $22.7 million, including undisbursed funds on construction loans and funds available on undrawn lines of credit. We anticipate that we will have sufficient funds available to meet our current lending commitments. Certificates of deposit that are scheduled to mature within one year from September 30, 2018 totaled $27.0 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 FHLB-Cincinnati 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.

 

 44 

 

 

ITEM 3QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

 

Not applicable, as the Registrant is a smaller reporting company.

 

ITEM 4.CONTROLS AND PROCEDURES

 

An evaluation was performed under the supervision and with the participation of the Company’s management, including the Principal Executive Officer and the Principal 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 mended) as of September 30, 2018. Based on that evaluation, the Company’s management, including the Principal Executive Officer and the Principal Financial Offer, concluded that the Registrant’s disclosure controls and procedures were effective.

 

During the quarter ended September 30, 2018 there was no change in the Company’s internal control over financial reporting that has materially affected, or is reasonably likely to materially affect, the Company’s internal control over financial reporting.

 

PART II – Other Information

 

ITEM 1.LEGAL PROCEEDINGS

 

The Company is subject to various legal actions arising in the normal course of business. In the opinion of management, the resolution of these legal actions is not expected to have a material adverse effect on the Company’s financial condition or results of operations.

 

ITEM 1A.RISK FACTORS

 

In addition to other information set forth in this report, you should carefully consider the factors discussed in the Eagle Financial Bancorp, Inc.’s annual report on Form 10-K for the year ended December 31, 2017 as filed with the Securities and Exchange Commission on March 23, 2018 (“Form 10-K”), including under “Item 1.A. Risk Factors”, which could materially affect our business, financial condition or future results. Additional risks not presently known to us, or that we currently deem immaterial, may also adversely affect our business, financial condition or results of operations. At September 30, 2018, the risk factors for Eagle Financial Bancorp, Inc. have not changed materially from those reported in the Form 10-K. However, the risks described in the Form 10-K are not the only risks that we face.

 

ITEM 2.UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS

 

None. 

 

ITEM 3.DEFAULTS UPON SENIOR SECURITIES

 

None.

 

ITEM 4.MINE SAFETY DISCLOSURES

 

Not applicable.

 

ITEM 5.OTHER INFORMATION

 

None.

 

 45 

 

 

ITEM 6.EXHIBITS

 

31.1   Certification of Principal Executive Officer Pursuant to Rule 13a-14 of the Securities Exchange Act of 1934, As Adopted Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
     
31.2   Certification of Principal Financial Officer Pursuant to Rule 13a-14 of the Securities Exchange Act of 1934, As Adopted Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
     
32.1   Certification of Principal Executive Officer Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
     
32.2   Certification of Principal Financial Officer Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
     
101.0   The following material from Eagle Financial Bancorp, Inc.’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2018, formatted in XBRL (Extensible Business Reporting Language): (i) the Condensed Balance Sheets, (ii) the Condensed Statements of Operations, (iii) the Condensed Statements of Equity, (iv) the Condensed Statements of Cash Flows, and (v) the Notes to Condensed Financial Statements.

 

 46 

 

 

SIGNATURES

 

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

 

Date:   November 9, 2018   By:   /s/Gary J. Koester  
        Gary J. Koester  
        President and Chief Executive Officer  
           
Date: November 9, 2018   By:   /s/Kevin R. Schramm  
        Kevin R. Schramm  
        Vice President, Chief Financial Officer and Treasurer  

 

 47 

 

EX-31.1 2 tv506042_ex31-1.htm EXHIBIT 31.1

 

Exhibit 31.1

 

CERTIFICATION PURSUANT TO RULE 13A-14

OF THE SECURITIES EXCHANGE ACT OF 1934

AS ADOPTED PURSUANT TO SECTION 302 OF THE

SARBANES-OXLEY ACT OF 2002

 

I, Gary J. Koester, certify that:

 

1.I have reviewed this quarterly report on Form 10-Q of Eagle Financial Bancorp, Inc.;

 

2.Based on my knowledge, this quarterly 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 quarterly report;

 

3.Based on my knowledge, the financial statements, and other financial information included in this quarterly 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 quarterly report;

 

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

 

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

 

b.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 quarterly report based on such evaluation; and

 

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

 

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

 

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

 

b.Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

Date:  November 9, 2018 /s/Gary J. Koester
  Gary J. Koester
  President and Chief Executive Officer
  (Principal Executive Officer)

 

 

 

EX-31.2 3 tv506042_ex31-2.htm EXHIBIT 31.2

 

Exhibit 31.2

 

CERTIFICATION PURSUANT TO RULE 13A-14

OF THE SECURITIES EXCHANGE ACT OF 1934

AS ADOPTED PURSUANT TO SECTION 302 OF THE

SARBANES-OXLEY ACT OF 2002

 

I, Kevin R. Schramm, certify that:

 

1.I have reviewed this quarterly report on Form 10-Q of Eagle Financial Bancorp, Inc.;

 

2.Based on my knowledge, this quarterly 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 quarterly report;

 

3.Based on my knowledge, the financial statements, and other financial information included in this quarterly 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 quarterly report;

 

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

 

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

 

b.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 quarterly report based on such evaluation; and

 

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

 

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

 

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

 

b.Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

Date:  November 9, 2018 /s/Kevin R. Schramm
  Kevin R. Schramm
  Vice President, Chief Financial Officer and Treasurer
  (Principal Financial Officer)

 

 

 

EX-32.1 4 tv506042_ex32-1.htm EXHIBIT 32.1

 

Exhibit 32.1

 

CERTIFICATION PURSUANT TO

18 U.S.C. SECTION 1350

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

 

In connection with the Quarterly Report of Eagle Financial Bancorp, Inc. (the “Company”), on Form 10-Q for the period ended September 30, 2018, as filed with the Securities and Exchange Commission on the date of this Certification (the “Report”), I, Gary J. Koester, President and Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, to my knowledge:

 

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

 

2. The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

 

A signed original of this written statement required by Section 906 has been provided to Eagle Financial Bancorp, Inc. and will be retained by Eagle Financial Bancorp, Inc. and furnished to the Securities and Exchange Commission or its staff upon request.

 

  /s/Gary J. Koester
  Gary J. Koester
  President and Chief Executive Officer
   
Date:  November 9, 2018  

 

 

 

EX-32.2 5 tv506042_ex32-2.htm EXHIBIT 32.2

 

Exhibit 32.2

 

CERTIFICATION PURSUANT TO

18 U.S.C. SECTION 1350

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

 

In connection with the Quarterly Report of Eagle Financial Bancorp, Inc. (the “Company”), on Form 10-Q for the period ended September 30, 2018, as filed with the Securities and Exchange Commission on the date of this Certification (the “Report”), I, Kevin R. Schramm, Vice President, Chief Financial Officer and Treasurer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, to my knowledge:

 

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

 

2. The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

 

A signed original of this written statement required by Section 906 has been provided to Eagle Financial Bancorp, Inc. and will be retained by Eagle Financial Bancorp, Inc. and furnished to the Securities and Exchange Commission or its staff upon request.

 

  /s/Kevin R. Schramm
  Kevin R. Schramm
  Vice President, Chief Financial Officer and Treasurer
   
Date: November 9, 2018  

 

 

 

EX-101.INS 6 efbi-20180930.xml XBRL INSTANCE DOCUMENT 0001699018 2017-07-20 0001699018 2017-07-01 2017-07-20 0001699018 efbi:EagleSavingsBankCharitableFoundationMember 2017-07-01 2017-07-20 0001699018 2017-07-01 2017-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2017-07-01 2017-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember 2017-07-01 2017-09-30 0001699018 efbi:HomeEquityAndOtherConsumerMember 2017-07-01 2017-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember 2017-07-01 2017-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember 2017-07-01 2017-09-30 0001699018 srt:MultifamilyMember 2017-07-01 2017-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember 2017-07-01 2017-09-30 0001699018 2017-01-01 2017-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2017-01-01 2017-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember 2017-01-01 2017-09-30 0001699018 efbi:HomeEquityAndOtherConsumerMember 2017-01-01 2017-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember 2017-01-01 2017-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember 2017-01-01 2017-09-30 0001699018 srt:MultifamilyMember 2017-01-01 2017-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember 2017-01-01 2017-09-30 0001699018 us-gaap:RetainedEarningsMember 2017-01-01 2017-09-30 0001699018 us-gaap:AdditionalPaidInCapitalMember 2017-01-01 2017-09-30 0001699018 efbi:UnearnedEsopSharesMember 2017-01-01 2017-09-30 0001699018 us-gaap:CommonStockMember 2017-01-01 2017-09-30 0001699018 2017-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2017-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember 2017-09-30 0001699018 efbi:HomeEquityAndOtherConsumerMember 2017-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember 2017-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember 2017-09-30 0001699018 srt:MultifamilyMember 2017-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember 2017-09-30 0001699018 2017-01-01 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2017-01-01 2017-12-31 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember 2017-01-01 2017-12-31 0001699018 efbi:HomeEquityAndOtherConsumerMember 2017-01-01 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember 2017-01-01 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember 2017-01-01 2017-12-31 0001699018 srt:MultifamilyMember 2017-01-01 2017-12-31 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember 2017-01-01 2017-12-31 0001699018 efbi:MortgageLoansAndNonOwnerOccupiedLoansMember us-gaap:ResidentialPortfolioSegmentMember 2017-01-01 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:OneToFourFamilyMember 2017-01-01 2017-12-31 0001699018 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2017-12-31 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember 2017-12-31 0001699018 efbi:HomeEquityAndOtherConsumerMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember 2017-12-31 0001699018 srt:MultifamilyMember 2017-12-31 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember 2017-12-31 0001699018 efbi:MortgageLoansAndNonOwnerOccupiedLoansMember us-gaap:ResidentialPortfolioSegmentMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:OneToFourFamilyMember 2017-12-31 0001699018 srt:MaximumMember 2017-12-31 0001699018 srt:MinimumMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:PassMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:SpecialMentionMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:SubstandardMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:DoubtfulMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember efbi:LossMember 2017-12-31 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:PassMember 2017-12-31 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:SpecialMentionMember 2017-12-31 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:SubstandardMember 2017-12-31 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:DoubtfulMember 2017-12-31 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember efbi:LossMember 2017-12-31 0001699018 efbi:HomeEquityAndOtherConsumerMember us-gaap:PassMember 2017-12-31 0001699018 efbi:HomeEquityAndOtherConsumerMember us-gaap:SpecialMentionMember 2017-12-31 0001699018 efbi:HomeEquityAndOtherConsumerMember us-gaap:SubstandardMember 2017-12-31 0001699018 efbi:HomeEquityAndOtherConsumerMember us-gaap:DoubtfulMember 2017-12-31 0001699018 efbi:HomeEquityAndOtherConsumerMember efbi:LossMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:PassMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:SpecialMentionMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:SubstandardMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:DoubtfulMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember efbi:LossMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember us-gaap:PassMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember us-gaap:SpecialMentionMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember us-gaap:SubstandardMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember us-gaap:DoubtfulMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember efbi:LossMember 2017-12-31 0001699018 srt:MultifamilyMember us-gaap:PassMember 2017-12-31 0001699018 srt:MultifamilyMember us-gaap:SpecialMentionMember 2017-12-31 0001699018 srt:MultifamilyMember us-gaap:SubstandardMember 2017-12-31 0001699018 srt:MultifamilyMember us-gaap:DoubtfulMember 2017-12-31 0001699018 srt:MultifamilyMember efbi:LossMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2017-12-31 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2017-12-31 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2017-12-31 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2017-12-31 0001699018 efbi:HomeEquityAndOtherConsumerMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2017-12-31 0001699018 efbi:HomeEquityAndOtherConsumerMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2017-12-31 0001699018 efbi:HomeEquityAndOtherConsumerMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2017-12-31 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2017-12-31 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2017-12-31 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2017-12-31 0001699018 us-gaap:FinancingReceivables30To59DaysPastDueMember 2017-12-31 0001699018 us-gaap:FinancingReceivables60To89DaysPastDueMember 2017-12-31 0001699018 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2017-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2017-12-31 0001699018 srt:MultifamilyMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2017-12-31 0001699018 srt:MultifamilyMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2017-12-31 0001699018 srt:MultifamilyMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2017-12-31 0001699018 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2017-12-31 0001699018 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2017-12-31 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember us-gaap:PassMember 2017-12-31 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember us-gaap:SpecialMentionMember 2017-12-31 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember us-gaap:SubstandardMember 2017-12-31 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember us-gaap:DoubtfulMember 2017-12-31 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember efbi:LossMember 2017-12-31 0001699018 us-gaap:PassMember 2017-12-31 0001699018 us-gaap:SpecialMentionMember 2017-12-31 0001699018 us-gaap:SubstandardMember 2017-12-31 0001699018 us-gaap:DoubtfulMember 2017-12-31 0001699018 efbi:LossMember 2017-12-31 0001699018 srt:ReportableLegalEntitiesMember 2017-12-31 0001699018 us-gaap:UnusedLinesOfCreditMember 2017-12-31 0001699018 us-gaap:HomeEquityMember 2017-12-31 0001699018 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel1Member 2017-12-31 0001699018 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2017-12-31 0001699018 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2017-12-31 0001699018 us-gaap:FairValueMeasurementsNonrecurringMember 2017-12-31 0001699018 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member srt:MinimumMember us-gaap:MeasurementInputDiscountRateMember us-gaap:MarketApproachValuationTechniqueMember 2017-12-31 0001699018 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member srt:MaximumMember us-gaap:MeasurementInputDiscountRateMember us-gaap:MarketApproachValuationTechniqueMember 2017-12-31 0001699018 us-gaap:FairValueInputsLevel1Member 2017-12-31 0001699018 us-gaap:FairValueInputsLevel2Member 2017-12-31 0001699018 us-gaap:FairValueInputsLevel3Member 2017-12-31 0001699018 2018-07-01 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2018-07-01 2018-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember 2018-07-01 2018-09-30 0001699018 efbi:HomeEquityAndOtherConsumerMember 2018-07-01 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember 2018-07-01 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember 2018-07-01 2018-09-30 0001699018 srt:MultifamilyMember 2018-07-01 2018-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember 2018-07-01 2018-09-30 0001699018 efbi:EquityIncentivePlan2018Member 2018-07-01 2018-09-30 0001699018 2018-01-01 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2018-01-01 2018-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember 2018-01-01 2018-09-30 0001699018 efbi:HomeEquityAndOtherConsumerMember 2018-01-01 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember 2018-01-01 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember 2018-01-01 2018-09-30 0001699018 srt:MultifamilyMember 2018-01-01 2018-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember 2018-01-01 2018-09-30 0001699018 us-gaap:RetainedEarningsMember 2018-01-01 2018-09-30 0001699018 efbi:MortgageLoansAndNonOwnerOccupiedLoansMember us-gaap:ResidentialPortfolioSegmentMember 2018-01-01 2018-09-30 0001699018 us-gaap:AdditionalPaidInCapitalMember 2018-01-01 2018-09-30 0001699018 efbi:UnearnedEsopSharesMember 2018-01-01 2018-09-30 0001699018 us-gaap:HomeEquityLoanMember 2018-01-01 2018-09-30 0001699018 efbi:EquityIncentivePlan2018Member 2018-01-01 2018-09-30 0001699018 efbi:EquityIncentivePlan2018Member us-gaap:RestrictedStockMember 2018-01-01 2018-09-30 0001699018 efbi:EquityIncentivePlan2018Member us-gaap:BoardOfDirectorsChairmanMember 2018-01-01 2018-09-30 0001699018 efbi:EquityIncentivePlan2018Member us-gaap:RestrictedStockMember us-gaap:BoardOfDirectorsChairmanMember 2018-01-01 2018-09-30 0001699018 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2018-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember 2018-09-30 0001699018 efbi:HomeEquityAndOtherConsumerMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember 2018-09-30 0001699018 srt:MultifamilyMember 2018-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember 2018-09-30 0001699018 efbi:MortgageLoansAndNonOwnerOccupiedLoansMember us-gaap:ResidentialPortfolioSegmentMember 2018-09-30 0001699018 srt:MaximumMember 2018-09-30 0001699018 srt:MinimumMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:PassMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:SpecialMentionMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:SubstandardMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:DoubtfulMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember efbi:LossMember 2018-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:PassMember 2018-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:SpecialMentionMember 2018-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:SubstandardMember 2018-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:DoubtfulMember 2018-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember efbi:LossMember 2018-09-30 0001699018 efbi:HomeEquityAndOtherConsumerMember us-gaap:PassMember 2018-09-30 0001699018 efbi:HomeEquityAndOtherConsumerMember us-gaap:SpecialMentionMember 2018-09-30 0001699018 efbi:HomeEquityAndOtherConsumerMember us-gaap:SubstandardMember 2018-09-30 0001699018 efbi:HomeEquityAndOtherConsumerMember us-gaap:DoubtfulMember 2018-09-30 0001699018 efbi:HomeEquityAndOtherConsumerMember efbi:LossMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:PassMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:SpecialMentionMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:SubstandardMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:DoubtfulMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember efbi:LossMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember us-gaap:PassMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember us-gaap:SpecialMentionMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember us-gaap:SubstandardMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember us-gaap:DoubtfulMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember efbi:LossMember 2018-09-30 0001699018 srt:MultifamilyMember us-gaap:PassMember 2018-09-30 0001699018 srt:MultifamilyMember us-gaap:SpecialMentionMember 2018-09-30 0001699018 srt:MultifamilyMember us-gaap:SubstandardMember 2018-09-30 0001699018 srt:MultifamilyMember us-gaap:DoubtfulMember 2018-09-30 0001699018 srt:MultifamilyMember efbi:LossMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2018-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2018-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2018-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2018-09-30 0001699018 efbi:HomeEquityAndOtherConsumerMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2018-09-30 0001699018 efbi:HomeEquityAndOtherConsumerMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2018-09-30 0001699018 efbi:HomeEquityAndOtherConsumerMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2018-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2018-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2018-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2018-09-30 0001699018 us-gaap:FinancingReceivables30To59DaysPastDueMember 2018-09-30 0001699018 us-gaap:FinancingReceivables60To89DaysPastDueMember 2018-09-30 0001699018 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2018-09-30 0001699018 srt:MultifamilyMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2018-09-30 0001699018 srt:MultifamilyMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2018-09-30 0001699018 srt:MultifamilyMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2018-09-30 0001699018 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2018-09-30 0001699018 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2018-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember us-gaap:PassMember 2018-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember us-gaap:SpecialMentionMember 2018-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember us-gaap:SubstandardMember 2018-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember us-gaap:DoubtfulMember 2018-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember efbi:LossMember 2018-09-30 0001699018 us-gaap:PassMember 2018-09-30 0001699018 us-gaap:SpecialMentionMember 2018-09-30 0001699018 us-gaap:SubstandardMember 2018-09-30 0001699018 us-gaap:DoubtfulMember 2018-09-30 0001699018 efbi:LossMember 2018-09-30 0001699018 srt:ReportableLegalEntitiesMember 2018-09-30 0001699018 us-gaap:UnusedLinesOfCreditMember 2018-09-30 0001699018 us-gaap:HomeEquityMember 2018-09-30 0001699018 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel1Member 2018-09-30 0001699018 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2018-09-30 0001699018 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2018-09-30 0001699018 us-gaap:FairValueMeasurementsNonrecurringMember 2018-09-30 0001699018 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member srt:MinimumMember us-gaap:MeasurementInputDiscountRateMember us-gaap:MarketApproachValuationTechniqueMember 2018-09-30 0001699018 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member srt:MaximumMember us-gaap:MeasurementInputDiscountRateMember us-gaap:MarketApproachValuationTechniqueMember 2018-09-30 0001699018 us-gaap:FairValueInputsLevel1Member 2018-09-30 0001699018 us-gaap:FairValueInputsLevel2Member 2018-09-30 0001699018 us-gaap:FairValueInputsLevel3Member 2018-09-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember 2018-09-30 0001699018 us-gaap:HomeEquityLoanMember 2018-09-30 0001699018 us-gaap:CommercialPortfolioSegmentMember 2018-09-30 0001699018 efbi:EquityIncentivePlan2018Member 2018-09-30 0001699018 2018-11-09 0001699018 2017-06-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2017-06-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember 2017-06-30 0001699018 efbi:HomeEquityAndOtherConsumerMember 2017-06-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember 2017-06-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember 2017-06-30 0001699018 srt:MultifamilyMember 2017-06-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember 2017-06-30 0001699018 2016-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2016-12-31 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember 2016-12-31 0001699018 efbi:HomeEquityAndOtherConsumerMember 2016-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember 2016-12-31 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember 2016-12-31 0001699018 srt:MultifamilyMember 2016-12-31 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember 2016-12-31 0001699018 us-gaap:RetainedEarningsMember 2016-12-31 0001699018 us-gaap:RetainedEarningsMember 2017-09-30 0001699018 us-gaap:AdditionalPaidInCapitalMember 2017-09-30 0001699018 efbi:UnearnedEsopSharesMember 2017-09-30 0001699018 us-gaap:CommonStockMember 2017-09-30 0001699018 2018-06-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2018-06-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember 2018-06-30 0001699018 efbi:HomeEquityAndOtherConsumerMember 2018-06-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember 2018-06-30 0001699018 us-gaap:ResidentialPortfolioSegmentMember efbi:MortgageLoansNonOwnerOccupiedMember 2018-06-30 0001699018 srt:MultifamilyMember 2018-06-30 0001699018 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialLoanMember 2018-06-30 0001699018 us-gaap:RetainedEarningsMember 2017-12-31 0001699018 us-gaap:RetainedEarningsMember 2018-09-30 0001699018 us-gaap:AdditionalPaidInCapitalMember 2017-12-31 0001699018 us-gaap:AdditionalPaidInCapitalMember 2018-09-30 0001699018 efbi:UnearnedEsopSharesMember 2017-12-31 0001699018 efbi:UnearnedEsopSharesMember 2018-09-30 0001699018 us-gaap:CommonStockMember 2017-12-31 0001699018 us-gaap:CommonStockMember 2018-09-30 xbrli:shares iso4217:USD iso4217:USDxbrli:shares xbrli:pure efbi:Contracts efbi:Loan efbi:Plot Eagle Financial Bancorp, Inc. 0001699018 efbi --12-31 Non-accelerated Filer 1625708 10-Q 2018-09-30 false 2018 Q3 519000 445000 14831000 9003000 12709000 15350000 9448000 19589000 5079000 4233000 3336000 2228000 96529000 110779000 4361000 4260000 736000 754000 217000 90000 127000 1912000 1947000 3168000 3278000 287000 354000 37000 13000 287000 308000 131082000 137819000 4032000 5881000 97086000 101491000 101118000 107372000 9000 866000 622000 1000 1000 1079000 1245000 315000 315000 357000 552000 103745000 110107000 16000 16000 14730000 14765000 13817000 20197000 14108000 20646000 1226000 1177000 27038000 27337000 27712000 13477000 13477000 13572000 14708000 -1258000 16000 13817000 14108000 14730000 14765000 -1226000 -1177000 16000 16000 131082000 137819000 1167000 203000 199000 287000 85000 203000 28000 162000 1181000 283000 199000 276000 116000 122000 25000 160000 1181000 1189000 407000 249000 306000 110000 79000 14000 24000 1189000 1229000 197000 229000 316000 91000 220000 23000 153000 1137000 166000 164000 341000 88000 175000 30000 173000 1167000 422000 205000 304000 117000 85000 14000 20000 0.01 0.01 5000000 5000000 0 0 0 0 0.01 0.01 50000000 50000000 1612808 1625708 1612808 1625708 1079000 3030000 1228000 3487000 11000 29000 12000 34000 60000 119000 52000 171000 1150000 3178000 1292000 3692000 167000 494000 202000 556000 1000 167000 495000 202000 556000 983000 2683000 1090000 3136000 17000 15000 43000 -29000 -6000 -17000 5000 6000 102000 46000 108000 -54000 -3000 28000 -2000 -21000 102000 112000 108000 -65000 28000 -44000 -5000 -32000 99000 -6000 112000 2000 -7000 -6000 0 4000 99000 148000 118000 30000 -6000 -44000 -11000 -136000 966000 2581000 991000 3037000 448000 1543000 430000 1195000 56000 149000 51000 142000 12000 35000 12000 35000 516000 1727000 493000 1372000 849000 2396000 837000 2575000 59000 170000 62000 184000 72000 206000 74000 227000 76000 204000 113000 266000 10000 19000 10000 30000 9000 6000 6000 27000 81000 60000 160000 34000 101000 38000 78000 21000 64000 22000 62000 134000 388000 158000 454000 1785000 4146000 1383000 4050000 -303000 162000 101000 359000 -83000 67000 22000 68000 -83000 67000 22000 68000 -220000 95000 95000 79000 291000 291000 51000 19000 32000 78000 29000 49000 166000 191000 51819000 42740000 53931000 40437000 1543000 1195000 -3000 -1000 -84000 35000 35000 3000 51000 26000 78000 409000 110000 24000 67000 62000 -3000 158000 166000 351000 195000 -3340000 1926000 3239000 -846000 13209000 14649000 8000 18000 173000 53000 49000 45000 -16580000 -13829000 -197000 6254000 15000 9000 -163000 -244000 13040000 6001000 -6880000 -5902000 495000 556000 90000 45000 263000 <table style="widows: 2; text-transform: none; margin-top: 0px; text-indent: 0px; width: 100%; font: bold 10pt 'times new roman', times, serif; orphans: 2; margin-bottom: 0px; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="text-align: justify; vertical-align: top;"> <td style="width: 0px;"></td> <td style="text-align: left; width: 0.5in;"><font style="font-family: 'times new roman', times, serif;">Note 1:</font></td> <td style="text-align: justify;">Nature of Operations and Summary of Significant Accounting Policies</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0.5in; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>&#160;</b></p> <p style="widows: 2; text-transform: none; text-indent: 0.5in; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><u>General</u></b></p> <p style="text-align: center; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>&#160;</b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Eagle Financial Bancorp, Inc. (the &#8220;Company&#8221;), a Maryland corporation and registered savings and loan holding company, was formed on February 21, 2017 to become the savings and loan holding company for Eagle Savings Bank (the &#8220;Bank&#8221;). The Bank, an Ohio chartered savings and loan association, completed its mutual-to-stock conversion on July 20, 2017. In connection with the Bank&#8217;s conversion, the Company acquired 100% ownership of the Bank and the Company offered and sold 1,572,808 shares of its common stock at $10.0 per share, for gross offering proceeds of $15,728. The cost of the conversion and issuance of common stock was approximately $1,423, which was deducted from the gross offering proceeds. The Company also contributed 40,000 shares of its common stock and $100,000 of cash to Eagle Savings Bank Charitable Foundation (the &#8220;Foundation&#8221;), a charitable foundation formed in connection with the Bank&#8217;s conversion. The Bank&#8217;s employee stock ownership plan (&#8220;ESOP&#8221;) purchased 129,024 shares of the common stock sold by the Company, which was 8% of the 1,612,808 shares of common stock issued by the Company, including the shares contributed to the Foundation. The ESOP purchased the shares using a loan from the Company. The Company contributed $7,153 of the net proceeds from the offering to the Bank, loaned $1,290 of the net proceeds to the ESOP, contributed $100 to the Foundation and retained approximately $5,763 of the net proceeds.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Following the Bank&#8217;s conversion, voting rights are held and exercised exclusively by the shareholders of the holding company. Deposit account holders continue to be insured by the FDIC. A liquidation account was established in an amount equal to the Bank&#8217;s total equity as of the latest balance sheet date in the final offering circular used in the conversion. Each eligible account holder or supplemental account holder are entitled to a proportionate share of this account in the event of a complete liquidation of the Bank, and only in such event. This share will be reduced if the eligible account holder&#8217;s or supplemental account holder&#8217;s deposit balance falls below the amounts on the date of record and will cease to exist if the account is closed. The liquidation account will never be increased despite any increase after conversion in the related deposit balance.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Bank may not pay a dividend on its capital stock, if the effect thereof would cause retained earnings to be reduced below the liquidation account amount or regulatory capital requirements. In addition, the stock holding company will be subject to certain regulations related to the repurchase of its capital stock. For additional information regarding restrictions on dividends and stock repurchases that may be paid by the Company, see the Company&#8217;s annual report on Form 10-K (the &#8220;Form 10-K&#8221;) for the year ended December 31, 2017, filed with the SEC on March 23, 2018.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Conversion was accounted for as a change in corporate form with the historic basis of the Bank&#8217;s assets, liabilities and equity unchanged as a result.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><u>Basis of Presentation and Consolidation</u></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The condensed consolidated financial statements as of September 30, 2018 and for the three and nine months ended September 30, 2018, include Eagle Financial Bancorp, Inc. and the Bank, its wholly owned subsidiary. Intercompany transactions and balances have been eliminated in consolidation.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;<b>&#160;</b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The accompanying condensed balance sheet of the Company as of December 31, 2017, which has been derived from audited financial statements, and unaudited condensed financial statements of the Company as of September 30, 2018 and for the three and nine months ended September 30, 2018 and 2017, were prepared in accordance with instructions for Form 10-Q and Rule 10-01 of Regulation S-X and, therefore, do not include information or footnotes necessary for a complete presentation of financial position, results of operations and cash flows in accounting principles generally accepted in the United States of America. Accordingly, these condensed financial statements should be read in conjunction with the financial statements and notes thereto of the Company for the year ended December 31, 2017 included in the Registrant&#8217;s Form 10-K. Reference is made to the accounting policies of the Company described in the Notes to Financial Statements contained in the Form 10-K.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In the opinion of management, all adjustments (consisting only of normal recurring adjustments) which are necessary for a fair presentation of the unaudited condensed financial statements have been included to present fairly the financial position as of September 30, 2018 and the results of operations and cash flows for the three and nine months ended September 30, 2018 and 2017. All interim amounts have not been audited and the results of operations for the three and nine months ended September 30, 2018, herein are not necessarily indicative of the results of operations to be expected for the entire year.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="widows: 2; text-transform: none; text-indent: 0.5in; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><u>Use of Estimates</u></b></p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses, FHLB lender risk account receivable, valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, and fair values of financial instruments.</p> <table style="widows: 2; text-transform: none; margin-top: 0px; text-indent: 0px; width: 100%; font: bold 10pt 'times new roman', times, serif; orphans: 2; margin-bottom: 0px; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="text-align: justify; vertical-align: top;"> <td style="width: 0px;"></td> <td style="text-align: left; width: 0.5in;">Note 3:</td> <td style="text-align: justify;">Loans and Allowance for Loan Losses</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The composition of the loan portfolio at September 30, 2018 and December 31, 2017 was as follows:&#160;</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 93%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; margin-left: 0.5in; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">September 30,</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">December 31,</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">2018</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">2017</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td>&#160;</td> <td style="text-align: center;" colspan="6" nowrap="nowrap">&#160;</td> <td>&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; width: 1055px;">Residential mortgage loans</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 144px;">64,690</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="width: 14px;">&#160;</td> <td style="text-align: left; width: 14px;">$</td> <td style="text-align: right; width: 144px;">53,682</td> <td style="text-align: left; width: 14px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Commercial real estate and land loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">16,027</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">13,739</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Home equity and other consumer</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">13,259</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">12,570</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Residential construction loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">10,060</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">10,362</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Residential mortgage loans, non-owner occupied</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">6,304</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">7,082</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Multi-family real estate loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,203</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">2,084</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in;">Commercial loans</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">5,851</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">5,536</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">117,394</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">105,055</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Net deferred loan costs</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">31</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">66</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Loans in process</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(5,457</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(7,411</td> <td style="text-align: left;">)</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in;">Allowance for loan losses</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">(1,189</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">(1,181</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.375in;">Net loans</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">110,779</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">96,529</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <p style="text-align: center; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>&#160;</b></p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Loans serviced for the benefit of others at September 30, 2018 and December 31, 2017 amounted to $1,871 and $2,166, respectively.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Loans in process relates to primarily residential mortgage loans.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Risk characteristics applicable to each segment of the loan portfolio are described as follows.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>&#160;</b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Residential Mortgage Loans, including Construction Loans and Land Loans</b>: The residential 1-4 family real estate loans and construction loans are generally secured by owner-occupied 1-4 family residences. 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&#8217;s market areas that might impact either property values or a borrower&#8217;s personal income. Land loans are secured primarily by unimproved land for future residential use. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>&#160;</b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Residential Mortgage Loans, Non-Owner Occupied</b>: One-to-four family, non-owner occupied loans carry greater inherent risks than one-to-four family, owner occupied loans, since the repayment ability of the borrower is generally reliant on the success of the income generated from the property.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>&#160;</b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Commercial Real Estate and Multi-Family Real Estate</b>: 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. Multi-family real estate loans are generally secured by apartment complexes. These loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Credit risk in these loans may be impacted by the creditworthiness of a borrower, property values and the local economies in the Bank&#8217;s market areas.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>&#160;</b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Commercial</b>: The commercial 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&#8217;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.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>&#160;</b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Home equity and Other Consumer</b>: The consumer loan portfolio consists of home equity loans and term and line of credit loans such as automobile loans and loans for other personal purposes. Repayment of the home equity 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&#8217;s market areas that might impact either property values or a borrower&#8217;s personal income. Repayment for term and line of credit loans will come from a borrower&#8217;s income sources that are typically independent of the loan purpose. Credit risk is driven by consumer economic factors (such as unemployment and general economic conditions in the Bank&#8217;s market area) and the creditworthiness of a borrower.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;<b>&#160;</b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The following tables present the activity in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method for the three and nine months ended September 30, 2018 and 2017 and year ended December 31, 2017:</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap">Nine Months Ended September 30,&#160;<br />2018 (Unaudited)</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Mortgage&#160;<br />Loans</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Commercial&#160;<br />Real Estate&#160;<br />and Land&#160;<br />Loans</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Home&#160;<br />Equity and&#160;<br />Other&#160;<br />Consumer</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Construction&#160;<br />Loans</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Mortgage&#160;<br />Loans Non-<br />Owner&#160;<br />Occupied</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Multi-<br />Family Real&#160;<br />Estate&#160;<br />Loans</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Commercial&#160;<br />Loans</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Total</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; font-weight: bold;">Allowance for loan losses:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in; width: 290px;">Balance, beginning of year</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">283</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">199</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">276</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">116</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">122</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">25</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">160</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">1,181</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.5in;">Provision charged to expense</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">148</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">118</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">30</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(6</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(44</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(11</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(136</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">99</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.5in;">Losses charged off</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(35</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(68</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(103</td> <td style="text-align: left;">)</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.5in;">Recoveries</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">11</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">1</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">12</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Balance, end of period</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">407</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">249</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">306</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">110</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">79</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">14</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">24</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,189</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Ending balance:&#160;&#160;individually &#160;evaluated for impairment</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">4</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">4</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Ending balance:&#160;&#160;collectively &#160;evaluated for impairment</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">403</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">249</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">306</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">110</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">79</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">14</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">24</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,185</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in; font-weight: bold;">Loans:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Ending balance</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">64,690</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">16,027</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">13,259</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">10,060</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">6,304</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,203</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">5,851</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">117,394</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Ending balance:&#160;&#160;individually &#160;evaluated for impairment</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">75</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">11</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">191</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">277</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Ending balance:&#160;&#160;collectively &#160;evaluated for impairment</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">64,615</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">16,027</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">13,248</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">10,060</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">6,113</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,203</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">5,851</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">117,117</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap">Three Months Ended September&#160;<br />30, 2018 (Unaudited)</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Mortgage&#160;<br />Loans</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Commercial&#160;<br />Real Estate&#160;<br />and Land&#160;<br />Loans</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Home&#160;<br />Equity and&#160;<br />Other&#160;<br />Consumer</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Construction&#160;<br />Loans</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Mortgage&#160;<br />Loans Non-<br />Owner&#160;<br />Occupied</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Multi-<br />Family Real&#160;<br />Estate&#160;<br />Loans</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Commercial&#160;<br />Loans</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Total</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; font-weight: bold;">Allowance for loan losses:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in; width: 290px;">Balance, beginning of period</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">422</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">205</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">304</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">117</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">85</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">14</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">20</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">1,167</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.5in;">Provision charged to expense</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(6</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">112</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">2</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(7</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(6</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">4</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">99</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.5in;">Losses charged off</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(13</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(68</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(81</td> <td style="text-align: left;">)</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.5in;">Recoveries</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">4</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">4</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Balance, end of period</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">407</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">249</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">306</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">110</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">79</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">14</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">24</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,189</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap">Nine Months Ended September 30,&#160;<br />2017 (Unaudited)</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Mortgage&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Commercial&#160;<br />Real Estate&#160;<br />and Land&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Home&#160;<br />Equity and&#160;<br />Other&#160;<br />Consumer</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Construction&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Mortgage&#160;<br />Loans Non-<br />Owner&#160;<br />Occupied</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Multi-<br />Family Real&#160;<br />Estate&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Commercial&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Total</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; font-weight: bold;">Allowance for loan losses:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in; width: 290px;">Balance, beginning of year</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">166</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">164</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">341</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">88</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">175</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">30</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">173</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">1,137</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.5in;">Provision charged to expense</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">46</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">108</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(54</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(3</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">28</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(2</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(21</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">102</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.5in;">Losses charged off</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(10</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(73</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(83</td> <td style="text-align: left;">)</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.5in;">Recoveries</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">1</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">10</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">11</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Balance, end of period</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">203</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">199</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">287</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">85</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">203</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">28</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">162</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,167</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap">Three Months Ended September 30,&#160;<br />2017 (Unaudited)</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Mortgage&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Commercial&#160;<br />Real Estate&#160;<br />and Land&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Home&#160;<br />Equity and&#160;<br />Other&#160;<br />Consumer</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Construction&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Mortgage&#160;<br />Loans Non-<br />Owner&#160;<br />Occupied</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Multi-<br />Family Real&#160;<br />Estate&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Commercial&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Total</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; font-weight: bold;">Allowance for loan losses:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in; width: 290px;">Balance, beginning of period</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">197</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">229</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">316</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">91</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">220</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">23</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">153</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">1,229</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.5in;">Provision charged to expense</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">15</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">43</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(29</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(6</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(17</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">5</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">6</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">17</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.5in;">Losses charged off</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(10</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(73</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(83</td> <td style="text-align: left;">)</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.5in;">Recoveries</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">1</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">3</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">4</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Balance, end of period</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">203</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">199</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">287</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">85</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">203</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">28</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">162</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,167</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>&#160;</b></p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap">Year Ended December 31, 2017</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Mortgage&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Commercial&#160;<br />Real Estate&#160;<br />and Land&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Home&#160;<br />Equity and&#160;<br />Other&#160;<br />Consumer</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Construction&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Mortgage&#160;<br />Loans Non-<br />Owner&#160;<br />Occupied</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Multi-<br />Family Real&#160;<br />Estate&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Commercial&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Total</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; font-weight: bold;">Allowance for loan losses:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in; width: 290px;">Balance, beginning of year</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">166</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">164</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">341</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">88</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">175</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">30</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">173</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">1,137</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.5in;">Provision charged to expense</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">112</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">108</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(65</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">28</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(44</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(5</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(32</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">102</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.5in;">Losses charged off</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(73</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(9</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(82</td> <td style="text-align: left;">)</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.5in;">Recoveries</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">5</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">19</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">24</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Balance, end of year</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">283</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">199</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">276</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">116</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">122</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">25</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">160</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,181</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Ending balance:&#160;&#160;individually &#160;evaluated for impairment</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">22</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">10</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">32</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">138</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">202</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Ending balance:&#160;&#160;collectively evaluated for impairment</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">261</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">189</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">276</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">116</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">90</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">25</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">22</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">979</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in; font-weight: bold;">Loans:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Ending balance</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">53,682</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">13,739</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">12,570</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">10,362</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">7,082</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">2,084</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">5,536</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">105,055</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Ending balance:&#160;&#160;individually &#160;evaluated for impairment</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">142</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">157</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">196</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">300</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">795</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Ending balance:&#160;&#160;collectively evaluated for impairment</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">53,540</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">13,582</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">12,570</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">10,362</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">6,886</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">2,084</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">5,236</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">104,260</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <p style="text-align: center; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;<b><i>&#160;</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>Internal Risk Categories</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Loan grades are numbered 1 through 8. Grades 5 through 8 are considered satisfactory grades. The grade of 1, or Special Mention, represents loans of lower quality and is considered criticized. The grades of 2, or Substandard, 3, or Doubtful, and 4, or Loss refer to assets that are classified. The use and application of these grades by the Bank will be uniform and shall conform to the Bank&#8217;s policy.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>&#160;</b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Special Mention (grade 1)</b>&#160;assets have potential weaknesses that deserve management&#8217;s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the institution&#8217;s credit position at some future date. Special mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. Ordinarily, special mention credits have characteristics which corrective management action would remedy.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>&#160;</b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Substandard (grade 2)</b>&#160;loans are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Doubtful (grade 3)</b>&#160;loans classified as doubtful have all the weaknesses inherent in those classified Substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of current known facts, conditions and values, highly questionable and improbable.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>&#160;</b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Loss (grade 4)</b>&#160;loans classified as loss are considered uncollectible and of such little value that their continuance as assets is not warranted. This classification does not mean that the loan has absolutely no recovery or salvage value but rather it is not practical or desirable to defer writing off even though partial recovery may be affected in the future.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>&#160;</b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Satisfactory (grades 5 through 8)&#160;</b>represent loans for which quality is considered to be satisfactory.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The following tables present the credit risk profile of the Bank&#8217;s loan portfolio based on rating category and payment activity as of September 30, 2018 and December 31, 2017:</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap"><font style="font-size: 8pt;">September 30, 2018 (Unaudited)</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Residential&#160;<br />Mortgage Loans</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Commercial&#160;<br />Real Estate and&#160;<br />Land Loans</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Home&#160;<br />Equity and&#160;<br />Other&#160;<br />Consumer</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Residential&#160;<br />Construction&#160;<br />Loans</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Residential&#160;<br />Mortgage Loans&#160;<br />Non-Owner&#160;<br />Occupied</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Multi-Family&#160;<br />Real Estate&#160;<br />Loans</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Commercial&#160;<br />Loans</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Total</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;"><font style="font-size: 8pt;">Rating</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.375in; width: 278px;"><font style="font-size: 8pt;">Satisfactory (5-8)</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 110px;"><font style="font-size: 8pt;">63,478</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 110px;"><font style="font-size: 8pt;">15,668</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 110px;"><font style="font-size: 8pt;">13,006</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 110px;"><font style="font-size: 8pt;">10,060</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 110px;"><font style="font-size: 8pt;">6,275</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 109px;"><font style="font-size: 8pt;">1,203</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 15px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 109px;"><font style="font-size: 8pt;">5,580</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 15px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 109px;"><font style="font-size: 8pt;">115,270</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.375in;"><font style="font-size: 8pt;">Special mention (1)</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">125</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">125</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.375in;"><font style="font-size: 8pt;">Substandard (2)</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">1,212</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">359</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">253</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">29</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">146</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">1,999</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.375in;"><font style="font-size: 8pt;">Doubtful (3)</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in;"><font style="font-size: 8pt;">Loss (4)</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.5in;"><font style="font-size: 8pt;">Total</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">64,690</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">16,027</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">13,259</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">10,060</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">6,304</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">1,203</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">5,851</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">117,394</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap"><font style="font-size: 8pt;">December 31, 2017</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Residential&#160;<br />Mortgage&#160;<br />Loans</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Commercial&#160;<br />Real Estate and&#160;<br />Land Loans</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Home&#160;<br />Equity and&#160;<br />Other&#160;<br />Consumer</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Residential&#160;<br />Construction&#160;<br />Loans</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Residential&#160;<br />Mortgage Loans&#160;<br />Non-Owner&#160;<br />Occupied</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Multi-Family&#160;<br />Real Estate&#160;<br />Loans</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Commercial&#160;<br />Loans</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Total</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;"><font style="font-size: 8pt;">Rating</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.5in; width: 266px;"><font style="font-size: 8pt;">Satisfactory (5-8)</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 110px;"><font style="font-size: 8pt;">52,948</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 110px;"><font style="font-size: 8pt;">13,212</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 110px;"><font style="font-size: 8pt;">12,411</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 110px;"><font style="font-size: 8pt;">10,362</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 110px;"><font style="font-size: 8pt;">6,508</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 109px;"><font style="font-size: 8pt;">2,084</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 15px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 109px;"><font style="font-size: 8pt;">5,039</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 15px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 109px;"><font style="font-size: 8pt;">102,564</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.375in;"><font style="font-size: 8pt;">Special mention (1)</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.375in;"><font style="font-size: 8pt;">Substandard (2)</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">734</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">527</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">159</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">574</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">497</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">2,491</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.375in;"><font style="font-size: 8pt;">Doubtful (3)</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in;"><font style="font-size: 8pt;">Loss (4)</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.5in;"><font style="font-size: 8pt;">Total</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">53,682</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">13,739</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">12,570</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">10,362</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">7,082</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">2,084</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">5,536</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">105,055</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company evaluates the loan risk grading system definitions and allowance for loan losses methodology on an ongoing basis. No significant changes were made to either during the three and nine months ended September 30, 2018.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;<b>&#160;</b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The following tables present the Bank&#8217;s loan portfolio aging analysis of the recorded investment in loans as of September 30, 2018 and December 31, 2017:</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap">September 30, 2018 (Unaudited)</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">30-59 Days&#160;<br />Past Due</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">60-89 Days&#160;<br />Past Due</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">90 Days&#160;<br />Past Due or&#160;<br />More</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Total&#160;&#160;<br />Past&#160;<br />Due</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Current</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Total&#160;<br />Loans&#160;<br />Receivable</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recorded&#160;<br />Investment 90&#160;<br />Days and&#160;<br />Accruing</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; width: 459px;">Residential mortgage loans</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">497</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">-</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">558</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">1,055</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 109px;">63,635</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">64,690</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">-</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Commercial real estate and land loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">16,027</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">16,027</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Home equity and other consumer</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">39</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">39</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">13,220</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">13,259</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Residential construction loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">10,060</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">10,060</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Residential mortgage loans, non-owner occupied</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">6,304</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">6,304</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Multi-family real estate loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,203</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,203</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in;">Commercial loans</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">5,851</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">5,851</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.125in;">Total</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">497</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">597</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,094</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">116,300</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">117,394</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap">December 31, 2017</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">30-59 Days&#160;<br />Past Due</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">60-89 Days&#160;<br />Past Due</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">90 Days&#160;<br />Past Due or&#160;<br />More</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Total&#160;&#160;<br />Past&#160;<br />Due</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Current</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Total&#160;<br />Loans&#160;<br />Receivable</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recorded&#160;<br />Investment 90&#160;<br />Days and&#160;<br />Accruing</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; width: 459px;">Residential mortgage loans</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">173</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">-</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">634</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">807</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 109px;">52,875</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">53,682</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">-</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Commercial real estate and land loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">157</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">157</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">13,582</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">13,739</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Home equity and other consumer</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">39</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">39</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">12,531</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">12,570</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Residential construction loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">10,362</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">10,362</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Residential mortgage loans, non-owner occupied</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">7,082</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">7,082</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Multi-family real estate loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">2,084</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">2,084</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in;">Commercial loans</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">5,536</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">5,536</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.125in;">Total</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">212</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">791</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,003</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">104,052</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">105,055</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>&#160;</b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;<b>&#160;</b></p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The following tables present impaired loans at September 30, 2018, September 30, 2017 and as of December 31, 2017:</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">For the Three Months&#160;<br />Ended</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">For the Nine Months&#160;<br />Ended</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">As of September 30, 2018</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">September 30, 2018</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">September 30, 2018</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Average</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Average</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Unpaid</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Investment</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Interest</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Investment</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Interest</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recorded</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Principal</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Allocated</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">in Impaired</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Income</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">in Impaired</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Income</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Balance</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Balance</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Allowance</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recognized</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recognized</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Loans without an allocated allowance:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential mortgage loans</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in; width: 447px;">Commercial real estate and land loans</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 110px;">-</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 110px;">-</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 110px;">-</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 110px;">113</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 109px;">-</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="text-align: right; width: 109px;">144</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="text-align: right; width: 109px;">-</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Home equity and other consumer</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">11</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">11</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">11</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">11</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential construction loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential mortgage loans, non-owner occupied</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">191</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">191</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">192</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">193</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">8</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Multi-family real estate loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Commercial loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Loans with an allocated allowance:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential mortgage loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">75</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">75</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">4</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">75</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">112</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Commercial real estate and land loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Home equity and other consumer</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential construction loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential mortgage loans, non-owner occupied</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Multi-family real estate loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in;">Commercial loans</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">166</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">9</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Total</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">277</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">277</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">4</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">391</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">4</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">626</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">20</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">For the Three Months&#160;<br />Ended</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">For the Nine Months&#160;<br />Ended</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">As of September 30, 2017</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">September 30, 2017</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">September 30, 2017</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Average</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Average</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Unpaid</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Investment</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Interest</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Investment</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Interest</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recorded</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Principal</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Allocated</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">in Impaired</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Income</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">in Impaired</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Income</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Balance</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Balance</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Allowance</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recognized</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recognized</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Loans without an allocated allowance:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential mortgage loans</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in; width: 447px;">Commercial real estate and land loans</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 110px;">148</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 110px;">148</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 110px;">-</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 110px;">180</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 109px;">-</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="text-align: right; width: 109px;">214</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="text-align: right; width: 109px;">1</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Home equity and other consumer</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential construction loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential mortgage loans, non-owner occupied</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">60</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">60</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">65</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">93</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Multi-family real estate loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Commercial loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Loans with an allocated allowance:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential mortgage loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">142</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">142</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">22</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">143</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">144</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">5</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Commercial real estate and land loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Home equity and other consumer</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential construction loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential mortgage loans, non-owner occupied</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">198</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">198</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">34</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">199</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">2</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">200</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">7</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Multi-family real estate loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in;">Commercial loans</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">301</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">301</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">139</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">301</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">4</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">315</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">13</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Total</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">849</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">849</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">195</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">888</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">8</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">966</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">29</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;<b>&#160;</b></p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="18" nowrap="nowrap">As of December 31, 2017</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Average</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Unpaid</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Investment</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Interest</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recorded</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Principal</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Allocated</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">in Impaired</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Income</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Balance</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Balance</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Allowance</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recognized</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Loans without an allocated allowance:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential mortgage loans</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Commercial real estate and land loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Home equity and other consumer</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential construction loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential mortgage loans, non-owner occupied</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Multi-family real estate loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Commercial loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Loans with an allocated allowance:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in; width: 525px;">Residential mortgage loans</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 157px;">142</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 157px;">142</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 157px;">22</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="text-align: right; width: 156px;">143</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="text-align: right; width: 156px;">7</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Commercial real estate and land loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">157</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">157</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">10</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">192</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Home equity and other consumer</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential construction loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential mortgage loans, non-owner occupied</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">196</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">196</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">32</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">199</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">13</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Multi-family real estate loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in;">Commercial loans</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">300</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">300</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">138</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">313</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">17</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Total</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">795</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">795</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">202</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">847</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">41</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Interest income recognized is not materially different than interest income that would have been recognized on a cash basis.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The following table presents the Bank&#8217;s nonaccrual loans at September 30, 2018 and December 31, 2017. This table excludes performing troubled debt restructurings.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 93%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; margin-left: 0.5in; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">September 30,</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">December 31,</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">2018</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">2017</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; width: 911px;">Residential mortgage loans</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 216px;">558</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="width: 14px;">&#160;</td> <td style="text-align: left; width: 14px;">$</td> <td style="text-align: right; width: 216px;">634</td> <td style="text-align: left; width: 14px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Commercial real estate and land loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">157</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Home equity and other consumer</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">39</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Residential construction loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Residential mortgage loans, non-owner occupied</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Multi-family real estate loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in;">Commercial loans</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Total</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">597</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">791</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <p style="text-align: center; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Following is a summary of troubled debt restructurings at September 30, 2018 and December 31, 2017:</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">As of September 30, 2018</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">As of December 31, 2017</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Number of&#160;<br />Contracts</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recorded&#160;<br />Investment</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Number of&#160;<br />Contracts</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recorded&#160;<br />Investment</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; width: 741px;">Residential mortgage loans</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 157px;">1</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 157px;">75</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 156px;">1</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 156px;">77</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Commercial real estate and land loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Home equity and other consumer</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">11</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Residential construction loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Residential mortgage loans, non-owner occupied</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">4</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">191</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">4</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">196</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Multi-family real estate loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in;">Commercial loans</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">1</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">300</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: right;">6</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">277</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: right;">6</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">573</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">As of September 30, 2018, the Bank had total troubled debt restructurings of $277.&#160;&#160;There were five residential mortgage loans and residential non-owner occupied loans totaling $266 in troubled debt restructurings with the largest totaling $75.&#160;&#160;The remaining $11 in troubled debt restructurings consisted of one home equity loan.&#160;&#160;As of December 31, 2017, the Bank had total troubled debt restructurings of $573.&#160;&#160;There were five residential mortgage loans and residential non-owner occupied loans totaling $273 in troubled debt restructurings with the largest totaling $195.&#160;&#160;The remaining $300 in troubled debt restructurings consisted of one commercial loan. These loans were modified due to short term concessions.&#160;Eagle Savings Bank has no commitments to lend additional funds to the debtors owing receivables whose terms have been modified in troubled debt restructurings. During the three months and nine months ended September, 30, 2018 the Bank added one troubled debt restructuring totaling $11.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">At September 30, 2018, the Bank had one residential owner-occupied piece of foreclosed real estate totaling $90 and one commercial piece of foreclosed real estate totaling $127. At December 31, 2017, the Bank had no foreclosed real estate.</p> <table style="widows: 2; text-transform: none; margin-top: 0px; text-indent: 0px; width: 100%; font: bold 10pt 'times new roman', times, serif; orphans: 2; margin-bottom: 0px; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="text-align: justify; vertical-align: top;"> <td style="text-align: left; width: 0.5in;"><font style="font-family: 'times new roman', times, serif;">Note 4:</font></td> <td style="text-align: justify;">Employee Stock Ownership Plan (&#8220;ESOP&#8221;)</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In connection with the conversion to an entity owned by stockholders, the Company established an Employee Stock Ownership Plan (&#8220;ESOP&#8221;) for the exclusive benefit of eligible employees. The ESOP borrowed funds from the Company in an amount sufficient to purchase 129,024 shares (approximately 8.0% of the common stock issued in connection with the conversion). 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, and then the remainder will be applied to principal. The loan is expected to be repaid over a period of up to 20 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 ESOP at the rate of 20 percent per year after two years of service. Vesting is accelerated upon retirement, death or disability of the participant, or a change in control of the Company. Forfeitures will be reallocated to remaining participants. Benefits may be payable upon retirement, death, disability, separation of service, or termination of the ESOP.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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 the 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 was $26 and $78 for the three and nine months ended September 30, 2018, respectively.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">A summary of the ESOP shares as of September 30, 2018 and December 31, 2017 are as follows:</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 90%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; margin-left: 0.5in; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">September 30, 2018</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">December 31, 2017</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; width: 923px;">Shares allocated to participants</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="text-align: right; width: 216px;">4,838</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="width: 14px;">&#160;</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="text-align: right; width: 216px;">6,451</td> <td style="text-align: left; width: 14px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">Shares released to participants</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">6,451</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 1pt;">Unreleased shares</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">117,735</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">122,573</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td>Total</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">129,024</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">129,024</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td>&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt;">Fair Value of Unreleased Shares</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,871,998</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,982,005</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <div> <table style="widows: 2; text-transform: none; margin-top: 0px; text-indent: 0px; width: 100%; font: bold 10pt 'times new roman', times, serif; orphans: 2; margin-bottom: 0px; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="text-align: justify; vertical-align: top;"> <td style="text-align: left; width: 0.5in;">Note 5:</td> <td style="text-align: justify;">Regulatory Matters</td> </tr> </table> </div> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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 Bank&#8217;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 Bank&#8217;s assets, liabilities and certain off-balance-sheet items as calculated under United States Generally Accepted Accounting Principles, regulatory reporting requirements and regulatory capital standards. The Bank&#8217;s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Furthermore, the Bank&#8217;s regulators could require adjustments to regulatory capital not reflected in these financial statements.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Quantitative measures established by regulatory reporting standards, to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below) of Total capital (as defined), Tier I capital (as defined) and common equity Tier 1capital (as defined) to risk-weighted assets (as defined) and Tier I capital (as defined) to average assets (as defined). Management believes, as of September 30, 2018 and December 31, 2017 that the Bank meets all capital adequacy requirements to which it is subject.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">As of September 30, 2018 and December 31, 2017 the most recent notification from the Bank&#8217;s regulators 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 capital, Tier I risk-based capital, common equity Tier 1 risk-based capital and Tier I leverage ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the Bank&#8217;s category.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In addition to the minimum capital ratios, the Bank must maintain a capital conservation buffer of common equity Tier 1 capital in an amount greater than 2.5% of total risk-weighted assets to avoid being subject to limitations on capital distributions and discretionary bonuses. The capital conservation buffer has been phased in over multiple years. The initial phase-in began at 0.625% on January 1, 2015, the current capital conservation buffer is 1.875%, and the buffer will be fully phased in at 2.5% on January 2019.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">As a result of the recently enacted Economic Growth, Regulatory Relief, and Consumer Protection Act (the &#8220;Act&#8221;), banking regulatory agencies must adopt a revised definition of &#8220;well capitalized&#8221; for financial institutions and holding companies with assets of less than $10 billion and that are not determined to be ineligible by their primary federal regulator due to their risk profile (a &#8220;qualifying community bank&#8221;). The new definition will expand the ways that a qualifying community bank may meet its capital requirements and be deemed &#8220;well qualified.&#8221; The new rule will establish a &#8220;community bank leverage ratio&#8221; equal to the tangible equity capital divided by the average total consolidated assets. A qualifying community bank that exceeds a to-be-determined threshold for this new leverage ratio, which regulators must set at between 8% and 10%, will be considered to be well capitalized and to have met generally applicable leverage capital requirements, generally applicable risk-based capital requirements, and any other capital or leverage requirements to which such financial institution or holding company is subject.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In addition, as a result of the Act, the Federal Reserve Board is required to amend its small bank holding company and savings and loan holding company policy statement to provide that holding companies with consolidated assets of less than $3 billion that are (i) not engaged in significant nonbanking activities, (ii) do not conduct significant off-balance sheet activities, and (3) do not have a material amount of SEC-registered debt or equity securities, other than trust preferred securities, that contribute to an organization&#8217;s complexity, will no longer be subject to regulatory capital requirements, effective no later than November 2018.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Bank&#8217;s actual capital amounts and ratios are presented in the following tables (minimum capital requirements exclude the capital conservation buffer):</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <div> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">Actual</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">Minimum Capital&#160;<br />Requirement</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">Minimum to Be Well&#160;<br />Capitalized Under&#160;<br />Prompt Corrective&#160;<br />Action Provisions</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Amount</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Ratio</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Amount</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Ratio</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Amount</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Ratio</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;"><b>As of September 30, 2018:</b></td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in; width: 467px;">Equity</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 113px;">20,646</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 14px;">&#160;</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="text-align: right; width: 112px;">&#160;</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="width: 14px;">&#160;</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="text-align: right; width: 112px;">&#160;</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="width: 14px;">&#160;</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="text-align: right; width: 112px;">&#160;</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="width: 14px;">&#160;</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="text-align: right; width: 112px;">&#160;</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="width: 14px;">&#160;</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="text-align: right; width: 112px;">&#160;</td> <td style="text-align: left; width: 14px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in;">Allowance for loan losses</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">1,189</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="text-align: right; padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="text-align: right; padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="text-align: right; padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="text-align: right; padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="text-align: right; padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Total risk-based capital (to risk-weighted &#160;assets)</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">21,835</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: right; padding-bottom: 2.5pt;">16.9</td> <td style="text-align: left; padding-bottom: 2.5pt;">%</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: left; padding-bottom: 2.5pt;">$</td> <td style="text-align: right; padding-bottom: 2.5pt;">10,345</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: right; padding-bottom: 2.5pt;">8.0</td> <td style="text-align: left; padding-bottom: 2.5pt;">%</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: left; padding-bottom: 2.5pt;">$</td> <td style="text-align: right; padding-bottom: 2.5pt;">12,931</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: right; padding-bottom: 2.5pt;">10.0</td> <td style="text-align: left; padding-bottom: 2.5pt;">%</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Tier I capital (to risk-weighted &#160;assets)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">20,646</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">16.0</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">7,759</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">6.0</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">10,345</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">8.0</td> <td style="text-align: left;">%</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Common equity Tier I capital (to risk-weighted &#160;assets)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">20,646</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">16.0</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">5,819</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">4.5</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">8,405</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">6.5</td> <td style="text-align: left;">%</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Tier I capital (to adjusted total &#160;assets)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">20,646</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">15.2</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">5,433</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">4.0</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">6,791</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">5.0</td> <td style="text-align: left;">%</td> </tr> </table> </div> <div style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</div> <div> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">Actual</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">Minimum Capital&#160;<br />Requirement</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">Minimum to Be Well&#160;<br />Capitalized Under&#160;<br />Prompt Corrective&#160;<br />Action Provisions</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Amount</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Ratio</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Amount</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Ratio</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Amount</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Ratio</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;"><b>As of December 31, 2017:</b></td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in; width: 467px;">Equity</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 113px;">20,197</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 14px;">&#160;</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="text-align: right; width: 112px;">&#160;</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="width: 14px;">&#160;</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="text-align: right; width: 112px;">&#160;</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="width: 14px;">&#160;</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="text-align: right; width: 112px;">&#160;</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="width: 14px;">&#160;</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="text-align: right; width: 112px;">&#160;</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="width: 14px;">&#160;</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="text-align: right; width: 112px;">&#160;</td> <td style="text-align: left; width: 14px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in;">Allowance for loan losses</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">1,181</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="text-align: right; padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="text-align: right; padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="text-align: right; padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="text-align: right; padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="text-align: right; padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Total risk-based capital (to risk-weighted &#160;assets)</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">21,378</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: right; padding-bottom: 2.5pt;">18.0</td> <td style="text-align: left; padding-bottom: 2.5pt;">%</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: left; padding-bottom: 2.5pt;">$</td> <td style="text-align: right; padding-bottom: 2.5pt;">9,498</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: right; padding-bottom: 2.5pt;">8.0</td> <td style="text-align: left; padding-bottom: 2.5pt;">%</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: left; padding-bottom: 2.5pt;">$</td> <td style="text-align: right; padding-bottom: 2.5pt;">11,873</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: right; padding-bottom: 2.5pt;">10.0</td> <td style="text-align: left; padding-bottom: 2.5pt;">%</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Tier I capital (to risk-weighted &#160;assets)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">20,197</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">17.0</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">7,124</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">6.0</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">9,498</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">8.0</td> <td style="text-align: left;">%</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Common equity Tier I capital (to risk-weighted &#160;assets)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">20,197</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">17.0</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">5,343</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">4.5</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">7,717</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">6.5</td> <td style="text-align: left;">%</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Tier I capital (to adjusted total &#160;assets)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">20,197</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">15.6</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">5,187</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">4.0</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">6,484</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">5.0</td> <td style="text-align: left;">%</td> </tr> </table> </div> <table style="widows: 2; text-transform: none; margin-top: 0px; text-indent: 0px; width: 100%; font: bold 10pt 'times new roman', times, serif; orphans: 2; margin-bottom: 0px; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="text-align: justify; vertical-align: top;"> <td style="width: 0px;"></td> <td style="text-align: left; width: 0.5in;">Note 6:</td> <td style="text-align: justify;">Disclosure About Fair Values of Assets and Liabilities</td> </tr> </table> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">ASC Topic&#160;820,&#160;<i>Fair Value Measurements</i>, defines fair value as 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. Topic&#160;820 also specifies a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value:</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: -49.7pt; margin: 0pt 0px 0pt 92.9pt; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>&#160;</b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: -49.7pt; margin: 0pt 0px 0pt 92.9pt; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"></p> <table style="widows: 2; text-transform: none; margin-top: 0px; text-indent: 0px; width: 100%; font: 10pt 'times new roman', times, serif; orphans: 2; margin-bottom: 0px; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 0.75in;">&#160;</td> <td style="text-align: justify; width: 0.75in;"><font style="font-family: 'times new roman', times, serif; font-size: 10pt;"><b>Level 1</b></font></td> <td style="text-align: justify;"><font style="font-family: 'times new roman', times, serif; font-size: 10pt;">Quoted prices in active markets for identical assets or liabilities</font></td> </tr> <tr style="vertical-align: top;"> <td>&#160;</td> <td style="text-align: justify;"><font style="font-family: 'times new roman', times, serif; font-size: 10pt;"><b>&#160;</b></font></td> <td style="text-align: justify;">&#160;</td> </tr> <tr style="vertical-align: top;"> <td>&#160;</td> <td style="text-align: justify;"><font style="font-family: 'times new roman', times, serif; font-size: 10pt;"><b>Level 2</b></font></td> <td style="text-align: justify;"><font style="font-family: 'times new roman', times, serif; font-size: 10pt;">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</font></td> </tr> <tr style="vertical-align: top;"> <td>&#160;</td> <td style="text-align: justify;"><font style="font-family: 'times new roman', times, serif; font-size: 10pt;"><b>&#160;</b></font></td> <td style="text-align: justify;">&#160;</td> </tr> <tr style="vertical-align: top;"> <td>&#160;</td> <td><font style="font-family: 'times new roman', times, serif; font-size: 10pt;"><b>Level 3</b></font></td> <td><font style="font-family: 'times new roman', times, serif; font-size: 10pt;">Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities</font></td> </tr> </table> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: -49.7pt; margin: 0pt 0px 0pt 92.9pt; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;<b>&#160;</b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>Nonrecurring Measurements</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The following tables present the fair value measurement of assets measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at September 30, 2018 and December 31, 2017:</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td style="text-align: center;" colspan="2" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="10" nowrap="nowrap">Fair Value Measurements Using</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" colspan="2" nowrap="nowrap">Fair</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Quoted Prices in&#160;<br />Active Markets for&#160;<br />Identical Assets</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Significant&#160;<br />Other&#160;<br />Observable&#160;<br />Inputs</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Significant&#160;<br />Unobservable&#160;<br />Inputs</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">September 30, 2018</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Value</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 1)</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 2)</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 3)</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; width: 753px;">Impaired loans (collateral dependent)</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 157px;">273</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 157px;">-</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 156px;">-</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 156px;">273</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">Foreclosed assets held for sale</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">217</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">217</td> <td style="text-align: left;">&#160;</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td style="text-align: center;" colspan="2" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="10" nowrap="nowrap">Fair Value Measurements Using</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" colspan="2" nowrap="nowrap">Fair</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Quoted Prices in&#160;<br />Active Markets for&#160;<br />Identical Assets</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Significant&#160;<br />Other&#160;<br />Observable&#160;<br />Inputs</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Significant&#160;<br />Unobservable&#160;<br />Inputs</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">December 31, 2017</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Value</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 1)</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 2)</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 3)</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; width: 753px;">Impaired loans (collateral dependent)</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 157px;">593</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 157px;">-</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 156px;">-</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 156px;">593</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Fair value adjustments, consisting of charge-offs or allocated allowances, on impaired loans and foreclosed assets held for sale during the nine months ended September 30, 2018 and the year ended December 31, 2017 amounted to $103 and $6, respectively.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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 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.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>&#160;</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>Foreclosed Assets Held for Sale</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Foreclosed assets held for sale is carried at fair value, less estimated cost to sell. Fair value of real estate is based on appraisals or evaluations. Foreclosed assets held for sale is classified within Level 3 of the fair value hierarchy.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;<b>&#160;</b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Appraisals of foreclosed assets held for sale are obtained when the real estate is acquired and subsequently as deemed necessary. Appraisals are reviewed for accuracy and consistency by the lending department. Appraisers are selected from the list of approved appraisers maintained by management.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>&#160;</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>Collateral-dependent Impaired Loans, Net of ALLL</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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 Bank 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. Appraisals are reviewed for accuracy and consistency by the lending department. 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 comparison to historical results.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>&#160;</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>Unobservable (Level 3) Inputs</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The following tables present quantitative information about unobservable inputs used in nonrecurring Level 3 fair value measurements.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Fair Value at</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" nowrap="nowrap">Valuation</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">9/30/2018</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" nowrap="nowrap">Technique</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" nowrap="nowrap">Unobservable Inputs</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" nowrap="nowrap">Range</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; width: 361px;">Impaired loans (collateral dependent)</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 157px;">$</td> <td style="text-align: right; width: 110px;">273</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: center; width: 313px;">Market comparable properties</td> <td style="width: 15px;">&#160;</td> <td style="text-align: center; width: 313px;">Marketability discount</td> <td style="width: 15px;">&#160;</td> <td style="text-align: center; width: 235px;">10% - 15%</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: center;">&#160;</td> <td>&#160;</td> <td style="text-align: center;">&#160;</td> <td>&#160;</td> <td style="text-align: center;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Foreclosed assets held for sale</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">217</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: center;">Market comparable properties</td> <td>&#160;</td> <td style="text-align: center;">Marketability discount</td> <td>&#160;</td> <td style="text-align: center;">10% - 15%</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0.75in; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Fair Value at</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" nowrap="nowrap">Valuation</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">12/31/2017</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" nowrap="nowrap">Technique</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" nowrap="nowrap">Unobservable Inputs</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" nowrap="nowrap">Range</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; width: 361px;">Impaired loans (collateral dependent)</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 157px;">$</td> <td style="text-align: right; width: 110px;">593</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: center; width: 313px;">Market comparable properties</td> <td style="width: 15px;">&#160;</td> <td style="text-align: center; width: 313px;">Marketability discount</td> <td style="width: 15px;">&#160;</td> <td style="text-align: center; width: 235px;">10% - 15%</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0.75in; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The following methods were used to estimate the fair value of all other financial instruments recognized in the accompanying balance sheet at amounts other than fair value.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>Cash and Cash Equivalents and Interest-bearing Time Deposits</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The carrying amount approximates fair value.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>&#160;</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>Loans Held For Sale</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The carrying amount approximates fair value due to the insignificant time between origination and date of sale. The carrying amount is the amount funded.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;<b><i>&#160;</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>Loans</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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 Bank 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.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>&#160;</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>FHLB Stock</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Fair value is estimated at book value due to restrictions that limit the sale or transfer of such securities.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>&#160;</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>FHLB Lender Risk Account Receivable</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The fair value of the Federal Home Loan Bank lender risk account receivable is estimated by discounting the estimated remaining cash flows of each strata of the receivable at current rates applicable to each strata for the same remaining maturities.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>&#160;</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>Accrued Interest Receivable and Payable</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The carrying amount approximates fair value. The carrying amount is determined using the interest rate, balance and last payment date.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>&#160;</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>Deposits</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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 Bank. The rates were the average of current rates offered by local competitors of the Bank.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The estimated fair value of checking, NOW, 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.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>&#160;</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>FHLB Advances</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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 FHLB.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>Advances from Borrowers for Taxes and Insurance</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The carrying amount approximates fair value.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>&#160;</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>Commitments to Originate Loans, Forward Sale Commitments, Letters of Credit and Lines of Credit</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The fair value of commitments to originate loans is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair value of commitments to sell securities is estimated based on current market prices for securities of similar terms and credit quality. The fair values of letters of credit and lines of credit are based on fees currently charged for similar agreements or on the estimated cost to terminate or otherwise settle the obligations with the counterparties at the reporting date. At September 30, 2018 and December 31, 2017, the fair value of such commitments was not material.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The following tables present estimated fair values of the Bank&#8217;s financial instruments at September 30, 2018 and December 31, 2017.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td colspan="6" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="10" nowrap="nowrap">Fair Value Measurements Using</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap">September 30, 2018</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Carrying&#160;<br />Amount</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Fair&#160;<br />Value</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 1)</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 2)</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 3)</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; font-weight: bold;">Financial Assets</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in; width: 760px;">Cash and cash equivalents</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">9,448</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">9,448</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">9,448</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">-</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">-</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Interest-bearing time deposits</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">4,233</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">4,233</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">4,233</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Loans held for sale</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">2,228</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">2,228</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">2,228</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Loans, net of allowance for losses</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">110,779</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">111,233</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">111,233</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">FHLB stock</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">754</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">754</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">754</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">FHLB lender risk account receivable</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3,278</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3,207</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3,207</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Interest receivable</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">354</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">354</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">354</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; font-weight: bold;">Financial Liabilities</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;">Deposits</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">107,372</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">106,703</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">61,265</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">45,438</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">FHLB advances</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Advances from borrowers for taxes and insurance</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">622</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">622</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">622</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Interest payable</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> </table> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td colspan="6" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="10" nowrap="nowrap">Fair Value Measurements Using</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap">December 31, 2017</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Carrying&#160;<br />Amount</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Fair&#160;<br />Value</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 1)</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 2)</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 3)</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; font-weight: bold;">Financial Assets</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in; width: 760px;">Cash and cash equivalents</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">15,350</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">15,350</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">15,350</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">-</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">-</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Interest-bearing time deposits</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">5,079</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">5,079</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">5,079</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Loans held for sale</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3,336</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3,336</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3,336</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Loans, net of allowance for losses</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">96,529</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">98,470</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">98,470</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">FHLB stock</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">736</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">736</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">736</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">FHLB lender risk account receivable</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3,168</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3,174</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3,174</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Interest receivable</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">287</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">287</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">287</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; font-weight: bold;">Financial Liabilities</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;">Deposits</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">101,118</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">100,728</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">59,415</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">41,313</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">FHLB advances</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">9</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">9</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">9</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Advances from borrowers for taxes&#160;&#160;and insurance</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">866</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">866</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">866</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Interest payable</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> </table> <table style="widows: 2; text-transform: none; margin-top: 0px; text-indent: 0px; width: 100%; font: bold 10pt 'times new roman', times, serif; orphans: 2; margin-bottom: 0px; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="text-align: justify; vertical-align: top;"> <td style="text-align: left; width: 0.5in;">Note 7:</td> <td style="text-align: justify;">Commitments and Credit Risk</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: -1in; margin: 0pt 0px 0pt 49.5pt; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>Commitments to Originate Loans</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Commitments to originate loans are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since a portion of the commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Each customer&#8217;s creditworthiness is evaluated on a case-by-case basis. The amount of collateral obtained, if deemed necessary, is based on management&#8217;s credit evaluation of the counterparty. Collateral held varies, but may include accounts receivable, inventory, property, plant and equipment, commercial real estate and residential real estate.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">At September 30, 2018, the Bank had one 30 year fixed rate loan with an interest rate of 4.625% for $106 and two HELOCs with interest rates at 6.25% totaling $532 approved but not yet originated. At December 31, 2017, the Bank had loans approved but not yet originated of $810. There was a 30 year fixed rate one-to four-family residential real estate loan with a fixed interest rate of 3.875% for $202 and a 5/1 adjustable rate one-to four-family residential real estate construction loan with a rate of 3.25% for $608. At September 30, 2018, the Bank had undisbursed loans in process of $5,457 with fixed interest rates of 4.375% to 5.73% and adjustable rates ranging from 3.125% to 4.50%. At December 31, 2017 the Bank had undisbursed loans in process of $7,411 with fixed interest rates ranging from 4.375% to 4.625% and adjustable interest rates ranging from 3.125% to 3.500%.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><i>Lines of Credit</i></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Lines of credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Lines of credit generally have fixed expiration dates. Since a portion of the line may expire without being drawn upon, the total unused lines do not necessarily represent future cash requirements. Each customer&#8217;s creditworthiness is evaluated on a case-by-case basis. The amount of collateral obtained, if deemed necessary, is based on management&#8217;s credit evaluation of the counterparty. Collateral held varies but may include accounts receivable, inventory, property, plant and equipment, commercial real estate and residential real estate. Management uses the same credit policies in granting lines of credit as it does for on-balance-sheet instruments.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Lines of credit at September 30, 2018 and December 31, 2017 were as follows:</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"><b>&#160;</b></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"><b>&#160;</b></td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap"><b>September 30, 2018</b></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"><b>&#160;</b></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"><b>&#160;</b></td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap"><b>December 31, 2017</b></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"><b>&#160;</b></td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; width: 1160px;">Unused lines of credit</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 157px;">4,322</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 156px;">3,509</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt;">Unused home equity lines</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">12,240</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">11,305</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td>&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in;">Total commitments</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">16,562</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">14,814</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <table style="widows: 2; text-transform: none; margin-top: 0px; text-indent: 0px; width: 100%; font: bold 10pt 'times new roman', times, serif; orphans: 2; margin-bottom: 0px; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="text-align: justify; vertical-align: top;"> <td style="text-align: left; width: 0.5in;">Note 9:</td> <td style="text-align: justify;">Recent Accounting Pronouncements</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0in; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-weight: normal;">&#160;</font></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0in; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-weight: normal;">Eagle Financial Bancorp, Inc. is an &#8220;emerging growth company. As an &#8220;emerging growth company&#8221;, we have elected to use the extended transition period to delay adoption of new or revised accounting pronouncements applicable to public companies until such pronouncements are made applicable to private companies. Accordingly, our financial statements may not be comparable to the financial statements of public companies that comply with such new or revised accounting standards.</font><font style="font-weight: normal;">&#160;</font></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0in; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <div style="text-align: justify; widows: 2; text-transform: none; text-indent: 0in; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-weight: normal;">In May 2014, the FASB issued ASU No. 2014-09 "Revenue from Contracts with Customers (Topic 606). The core principle of the guidance is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods and services. On July 9, 2015, the FASB approved amendments deferring the effective date by one year. ASU 2014-09 is now effective for annual reporting periods beginning after December 15, 2017, including interim periods with in that reporting period. Early application is permitted but not before the original public entity effective date, i.e., annual periods beginning after December 15, 2016. In March 2016, the FASB issued final amendments (ASU No. 2016-08 and ASU No. 2016-10) to clarify the implementation guidance for principal versus agent considerations, identifying performance obligations and the accounting for licenses of intellectual property. The amendments can be applied retrospectively to each prior reporting period or retrospectively with the cumulative effect of initially applying this Update recognized at the date of initial application. In May 2016, the FASB issued final amendments (ASU No. 2016-12 and ASU 2016-11) to address narrow-scope improvements to the guidance on collectibility, non-cash consideration, completed contracts at transition and to provide a practical expedient for contract modifications at transition and an accounting policy election related to the presentation of sales taxes and other similar taxes collected from customers. Additionally, the amendments included a rescission of SEC guidance because of ASU 2014-09 related to revenue and expense recognition for freight services in process, accounting for shipping and handling fees and costs, and accounting for consideration given by a vendor to a customer. In December 2016, the FASB issued final guidance (ASU 2016-20) that allows entities not to make quantitative disclosures about performance obligations in certain cases and requires entities that use any of the new or previously existing optional exemptions to expand their qualitative disclosures. It also makes 12 additional technical corrections and improvements to the new revenue standard. These amendments are effective upon the adoption of ASU 2014-09. Public entities should apply the amendments in ASU 2014-9 to interim reporting periods within annual reporting periods beginning after December 15, 2017 (that is, a public entity would be required to apply the new revenue standard beginning in the first interim period within the period of adoption). Nonpublic entities should apply the amendments in ASU 2014-9 for annual reporting periods beginning after December 31, 2018, and to interim reporting periods within annual reporting periods beginning after December 19, 2019. The Company continues to assess the guidance from the FASB and the Transition Resource Group for Revenue Recognition in determining the impact of ASU 2014-09 on its accounting and disclosures. The adoption of ASU 2014-09 is not expected to have a material impact on the Company&#8217;s accounting and disclosures.</font></div> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In January 2016, the FASB issued ASU No. 2016-01 "Financial Instruments - Overall (Subtopic 825-10) - Recognition and Measurement of Financial Assets and Financial Liabilities." ASU 2016-01 is intended to improve the recognition and measurement of financial instruments by requiring equity investments to be measured at fair value with changes in fair value recognized in net income; requiring public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; requiring separate presentation of financial assets and financial liabilities by measurement category and form of financial asset on the balance sheet or the accompanying notes to the financial statements; eliminating the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured and amortized at cost on the balance sheet; and requiring a reporting organization to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the organization has elected to measure the liability at fair value in accordance with the fair value option for financial instruments. ASU 2016-01 is effective for public companies for fiscal years beginning after December 31, 2017, including interim periods within those fiscal years. For private companies the new guidance becomes effective for fiscal years beginning after December 15, 2018, and for interim periods within fiscal years beginning after December 15, 2019. The amendments should be applied by means of a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption. The amendments related to equity securities without readily determinable fair values (including disclosure requirements) should be applied prospectively to equity investments that exist as of the date of adoption. The Company is currently evaluating the impact of these amendments, but does not expect them to have a material effect on the Company&#8217;s financial position or results of operations since it does not have any equity securities or a valuation allowance. However, the amendments will have an impact on certain items that are disclosed at fair value that are not currently utilizing the exit price notion when measuring fair value. At this time the Company cannot quantify the change in the fair value of such disclosures since the Company continues to evaluate the full impact of the Update and is continuing to develop appropriate procedures and processes to comply with the disclosure requirements of such amendments. The current accounting policies and procedures will be modified after the Company fully evaluates the standard to comply with the accounting changes mentioned above. For additional information on fair value of assets and liabilities, see Note 5.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In February 2016, the FASB issued ASU No. 2016-02 "Leases (Topic 842)." ASU 2016-02 establishes a right of use model that requires a lessee to record a right of use asset and a lease liability for all leases with terms longer than 12 months. Leases will be classified as either finance or operating, with classification affecting the pattern of expense recognition in the income statement. For lessors, the guidance modifies the classification criteria and the accounting for sales-type and direct financing leases. A lease will be treated as a sale if it transfers all of the risks and rewards, as well as control of the underlying asset, to the lessee. If risks and rewards are conveyed without the transfer of control, the lease is treated as a financing lease. If the lessor doesn't convey risks and rewards or control, an operating lease results. Public business entities should apply the amendments in ASU 2016-02 for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Nonpublic business entities should apply the amendments for fiscal years beginning after December 15, 2019 and interim periods within fiscal years beginning after December 15, 2020. Entities are required to use a modified retrospective approach for leases that exist or are entered into after the beginning of the earliest comparative period in the financial statements, with certain practical expedients available. The impact is not expected to have a material effect on the Company&#8217;s financial position or results of operations since the Company does not have a material amount of lease agreements. The Company is continuing to evaluate the amendments and will subsequently implement new processes to comply with the ASU. In addition, the Company will change its current accounting practice to comply with the amendments and such changes as mentioned above.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In June 2016, the FASB issued ASU No. 2016-13, "Financial Instruments-Credit Losses (Topic 326) -Measurement of Credit Losses on Financial Instruments." The provisions of ASU 2016-13 were issued to provide financial statement users with more decision-useful information about the expected credit losses on financial instruments that are not accounted for at fair value through net income, including loans held for investment, held-to-maturity debt securities, trade and other receivables, net investment in leases and other commitments to extend credit held by a reporting entity at each reporting date. ASU 2016-13 requires that financial assets measured at amortized cost be presented at the net amount expected to be collected, through an allowance for credit losses that is deducted from the amortized cost basis. The amendments in ASU 2016-13 eliminate the probable incurred loss recognition in current GAAP and reflect an entity's current estimate of all expected credit losses. The measurement of expected credit losses is based upon historical experience, current conditions, and reasonable and supportable forecasts that affect the collectibility of the financial assets. For public business entities that are U.S. Securities and Exchange Commission (SEC) filers, the amendments are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. For all other public business entities, the amendments are effective for fiscal years beginning after December 15, 2020, including interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2020, and interim periods within fiscal years beginning after December 15, 2021. Early adoption is permitted for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. The Company continues to evaluate the impact of these amendments to the Company&#8217;s financial position and results of operations and currently does not know or cannot reasonably quantify the impact of the adoption of the amendments as a result of the complexity and extensive changes from the amendments. The Allowance for Loan Losses (ALL) estimate is material to the Company and given the change from an incurred loss model to a methodology that considers the credit loss over the life of the loan, there is the potential for an increase in the ALL at the adoption date. The Company is anticipating a significant change in processes and procedures to calculate the ALL, including changes in assumptions and estimates to consider the expected credit losses over the life of the loan versus the current accounting practice that utilizes the incurred loss model. In addition, the current accounting policy and procedures for the other-than temporary impairment on available-for-sale securities will be replaced with an allowance approach. The Company has continued developing processes during the third quarter of 2018. Management continues to focus its attention on collecting historical loan loss data, loan level data, and evaluating data capabilities to ensure it is fully compliant with the amendments at adoption date. For additional information on the allowance for loan losses, see Note 2.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In August 2016, the FASB issued ASU No. 2016-15 "Statement of Cash Flows (Topic 230) - Classification of Certain Cash Receipts and Cash Payments." ASU 2016-15 provides cash flow statement classification guidance for certain transactions including how the predominance principle should be applied when cash receipts and cash payments have aspects of more than one class of cash flows. The amendments are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Early adoption is permitted, including adoption in an interim period. The Company has assessed ASU 2016-15 and does not expect a significant impact on its accounting and disclosures.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In November 2016, the FASB issued ASU No. 2016-18 "Statement of Cash Flows (Topic 230) &#8211; Restricted Cash." ASU 2016-18 provides amendments to cash flow statement classification and presentation to explain the change during the period in the total of cash, cash equivalents, and amounts generally described as restricted cash or restricted cash equivalents. The amendments are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2018 and interim periods within fiscal years beginning after December 15, 2019. Early adoption is permitted, including adoption in an interim period. The amendments should be applied using a retrospective transition method to each period presented. The Company has assessed ASU 2016-18 and does not expect a significant impact on its accounting and disclosures.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In August 2018, the FASB issued ASU No. 2018-13 &#8220;Fair Value Measurement (Topic 820): Disclosure Framework &#8211; Changes to the Disclosure Requirements for Fair Value Measurement&#8221;. ASU No. 2018-13 applies to all entities that are required to make disclosures about recurring or nonrecurring fair value measurements. The amendments in this update modify fair value disclosure requirements, including the deletion, modification, and addition of certain targeted disclosures. The amendments are effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. Early adoption is permitted. An entity is permitted to early adopt any removed or modified disclosures upon issuance of the update and delay adoption of the additional disclosures until the effective date. The amendments are to be applied on a retrospective basis to all periods presented upon adoption, except for certain amendments described in the update that are to be applied prospectively for only the most recent interim period presented in the initial fiscal year of adoption. The Company is currently evaluating the potential effects of ASU No. 2018-13.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In August 2018, the FASB issued ASU No. 2018-15 &#8220;Intangibles &#8211; Goodwill and Other &#8211; Internal-Use Software (Topic 350-40): Customer&#8217;s Accounting for Implementation Costs incurred in a Cloud Computing Arrangement That Is a Service Contract&#8221;. ASU No. 2018-15 applies to entities that are a customer in a hosting arrangement, as defined, that is accounted for as a service contract. The amendments in this update require an entity (customer) in a hosting arrangement that is a service contract to follow the guidance in Subtopic 350-40 to determine which implementation costs to capitalize as an asset related to the service contract and which costs to expense. Capitalized implementation costs are to be expensed over the term of the hosting arrangement. The amendments in this update are effective for fiscal years beginning after December 31, 2020, and interim periods within those fiscal years. Early adoption is permitted, including adoption in any period. The amendments can be applied either retrospectively or prospectively to all implementation costs after the date of adoption. The Company is currently evaluating the potential effects of ASU No. 2018-15.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><u>Basis of Presentation and Consolidation</u></b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The condensed consolidated financial statements as of September 30, 2018 and for the three and nine months ended September 30, 2018, include Eagle Financial Bancorp, Inc. and the Bank, its wholly owned subsidiary. Intercompany transactions and balances have been eliminated in consolidation.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;<b>&#160;</b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The accompanying condensed balance sheet of the Company as of December 31, 2017, which has been derived from audited financial statements, and unaudited condensed financial statements of the Company as of September 30, 2018 and for the three and nine months ended September 30, 2018 and 2017, were prepared in accordance with instructions for Form 10-Q and Rule 10-01 of Regulation S-X and, therefore, do not include information or footnotes necessary for a complete presentation of financial position, results of operations and cash flows in accounting principles generally accepted in the United States of America. Accordingly, these condensed financial statements should be read in conjunction with the financial statements and notes thereto of the Company for the year ended December 31, 2017 included in the Registrant&#8217;s Form 10-K. Reference is made to the accounting policies of the Company described in the Notes to Financial Statements contained in the Form 10-K.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In the opinion of management, all adjustments (consisting only of normal recurring adjustments) which are necessary for a fair presentation of the unaudited condensed financial statements have been included to present fairly the financial position as of September 30, 2018 and the results of operations and cash flows for the three and nine months ended September 30, 2018 and 2017. All interim amounts have not been audited and the results of operations for the three and nine months ended September 30, 2018, herein are not necessarily indicative of the results of operations to be expected for the entire year.</p> <p style="widows: 2; text-transform: none; text-indent: 0.5in; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b><u>Use of Estimates</u></b></p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses, FHLB lender risk account receivable, valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, and fair values of financial instruments.</p> <table style="widows: 2; text-transform: none; margin-top: 0px; text-indent: 0px; width: 100%; font: bold 10pt 'times new roman', times, serif; orphans: 2; margin-bottom: 0px; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="text-align: justify; vertical-align: top;"> <td style="text-align: justify;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Earnings Per Common Share</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0in; margin: 0pt 0px; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Basic earnings per common share (&#8220;EPS&#8221;) excludes dilution and is calculated by dividing net income applicable to common stock by the weighted-average number of shares of common shares outstanding during the period. Diluted EPS is computed in a manner similar to that of basic EPS except that the weighted-average number of common shares outstanding is increased to include the number of incremental common shares that would have been outstanding if all potentially dilutive common stock equivalents were issued during the period. Unallocated common shares held by the Company&#8217;s Employee Stock Ownership Plan (&#8220;the ESOP&#8221;) are shown as a reduction in stockholder&#8217;s equity and are excluded from weighted-average common shares outstanding for both basic and diluted EPS calculations until they are committed to be released. The computation of earnings per share for the three and nine months ended September 30, 2017 is not presented as the Company did not complete its initial public offering until July 20, 2017.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The computations for the three and nine month periods ended September 30, 2018 are as follows:</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 93%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; margin-left: 0.5in; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Three months ended September 30,</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Nine months ended September 30,</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">2018</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">2018</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td>&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td>&#160;</td> <td>&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td>&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; width: 978px;">Net Income</td> <td style="width: 14px;">&#160;</td> <td style="text-align: left; width: 18px;">$</td> <td style="text-align: right; width: 183px;">79,073</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="width: 14px;">&#160;</td> <td style="text-align: left; width: 17px;">$</td> <td style="text-align: right; width: 177px;">290,850</td> <td style="text-align: left; width: 14px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in;">Less allocation of earnings to participating securities</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">96</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">118</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Net income allocated to common shareholders</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">78,977</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">290,732</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Shares Outstanding for basic earnings per common share:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">Weighted Average shares outstanding:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,612,808</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,612,808</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in;">Less: Average Unearned ESOP shares:</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">118,321</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">119,902</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Weighted average number of shares outstanding used in the calculation of basic earnings per common share</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,494,487</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,492,906</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">Basic earnings per common share:</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">0.05</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">0.19</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Effect of dilutive securities:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Stock Options</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Weighted average number of shares outstanding used in the calculation of dilutive earnings per common share</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,494,487</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,492,906</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">Diluted earnings per common share:</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">0.05</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">0.19</td> <td style="text-align: left;">&#160;</td> </tr> </table> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 95%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; margin-left: 0.5in; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Three months ended September 30,</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Nine months ended September 30,</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">2018</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">2018</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td>&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td>&#160;</td> <td>&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td>&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; width: 978px;">Net Income</td> <td style="width: 14px;">&#160;</td> <td style="text-align: left; width: 18px;">$</td> <td style="text-align: right; width: 183px;">79,073</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="width: 14px;">&#160;</td> <td style="text-align: left; width: 17px;">$</td> <td style="text-align: right; width: 177px;">290,850</td> <td style="text-align: left; width: 14px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in;">Less allocation of earnings to participating securities</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">96</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">118</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Net income allocated to common shareholders</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">78,977</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">290,732</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Shares Outstanding for basic earnings per common share:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">Weighted Average shares outstanding:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,612,808</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,612,808</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in;">Less: Average Unearned ESOP shares:</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">118,321</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">119,902</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Weighted average number of shares outstanding used in the calculation of basic earnings per common share</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,494,487</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,492,906</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">Basic earnings per common share:</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">0.05</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">0.19</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Effect of dilutive securities:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Stock Options</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Weighted average number of shares outstanding used in the calculation of dilutive earnings per common share</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,494,487</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,492,906</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">Diluted earnings per common share:</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">0.05</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">0.19</td> <td style="text-align: left;">&#160;</td> </tr> </table> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 95%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; margin-left: 0.5in; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">September 30,</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">December 31,</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">2018</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">2017</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td>&#160;</td> <td style="text-align: center;" colspan="6" nowrap="nowrap">&#160;</td> <td>&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; width: 1055px;">Residential mortgage loans</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 144px;">64,690</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="width: 14px;">&#160;</td> <td style="text-align: left; width: 14px;">$</td> <td style="text-align: right; width: 144px;">53,682</td> <td style="text-align: left; width: 14px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Commercial real estate and land loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">16,027</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">13,739</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Home equity and other consumer</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">13,259</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">12,570</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Residential construction loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">10,060</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">10,362</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Residential mortgage loans, non-owner occupied</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">6,304</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">7,082</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Multi-family real estate loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,203</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">2,084</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in;">Commercial loans</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">5,851</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">5,536</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">117,394</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">105,055</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Net deferred loan costs</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">31</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">66</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Loans in process</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(5,457</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(7,411</td> <td style="text-align: left;">)</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in;">Allowance for loan losses</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">(1,189</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">(1,181</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.375in;">Net loans</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">110,779</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">96,529</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap">Nine Months Ended September 30,&#160;<br />2018 (Unaudited)</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Mortgage&#160;<br />Loans</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Commercial&#160;<br />Real Estate&#160;<br />and Land&#160;<br />Loans</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Home&#160;<br />Equity and&#160;<br />Other&#160;<br />Consumer</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Construction&#160;<br />Loans</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Mortgage&#160;<br />Loans Non-<br />Owner&#160;<br />Occupied</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Multi-<br />Family Real&#160;<br />Estate&#160;<br />Loans</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Commercial&#160;<br />Loans</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Total</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; font-weight: bold;">Allowance for loan losses:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in; width: 290px;">Balance, beginning of year</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">283</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">199</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">276</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">116</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">122</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">25</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">160</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">1,181</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.5in;">Provision charged to expense</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">148</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">118</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">30</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(6</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(44</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(11</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(136</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">99</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.5in;">Losses charged off</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(35</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(68</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(103</td> <td style="text-align: left;">)</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.5in;">Recoveries</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">11</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">1</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">12</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Balance, end of period</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">407</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">249</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">306</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">110</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">79</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">14</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">24</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,189</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Ending balance:&#160;&#160;individually &#160;evaluated for impairment</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">4</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">4</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Ending balance:&#160;&#160;collectively &#160;evaluated for impairment</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">403</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">249</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">306</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">110</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">79</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">14</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">24</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,185</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in; font-weight: bold;">Loans:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Ending balance</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">64,690</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">16,027</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">13,259</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">10,060</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">6,304</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,203</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">5,851</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">117,394</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Ending balance:&#160;&#160;individually &#160;evaluated for impairment</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">75</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">11</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">191</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">277</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Ending balance:&#160;&#160;collectively &#160;evaluated for impairment</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">64,615</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">16,027</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">13,248</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">10,060</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">6,113</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,203</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">5,851</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">117,117</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap">Three Months Ended September&#160;<br />30, 2018 (Unaudited)</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Mortgage&#160;<br />Loans</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Commercial&#160;<br />Real Estate&#160;<br />and Land&#160;<br />Loans</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Home&#160;<br />Equity and&#160;<br />Other&#160;<br />Consumer</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Construction&#160;<br />Loans</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Mortgage&#160;<br />Loans Non-<br />Owner&#160;<br />Occupied</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Multi-<br />Family Real&#160;<br />Estate&#160;<br />Loans</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Commercial&#160;<br />Loans</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Total</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; font-weight: bold;">Allowance for loan losses:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in; width: 290px;">Balance, beginning of period</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">422</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">205</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">304</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">117</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">85</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">14</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">20</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">1,167</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.5in;">Provision charged to expense</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(6</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">112</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">2</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(7</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(6</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">4</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">99</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.5in;">Losses charged off</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(13</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(68</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(81</td> <td style="text-align: left;">)</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.5in;">Recoveries</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">4</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">4</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Balance, end of period</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">407</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">249</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">306</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">110</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">79</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">14</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">24</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,189</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap">Nine Months Ended September 30,&#160;<br />2017 (Unaudited)</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Mortgage&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Commercial&#160;<br />Real Estate&#160;<br />and Land&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Home&#160;<br />Equity and&#160;<br />Other&#160;<br />Consumer</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Construction&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Mortgage&#160;<br />Loans Non-<br />Owner&#160;<br />Occupied</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Multi-<br />Family Real&#160;<br />Estate&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Commercial&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Total</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; font-weight: bold;">Allowance for loan losses:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in; width: 290px;">Balance, beginning of year</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">166</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">164</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">341</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">88</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">175</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">30</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">173</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">1,137</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.5in;">Provision charged to expense</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">46</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">108</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(54</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(3</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">28</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(2</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(21</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">102</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.5in;">Losses charged off</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(10</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(73</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(83</td> <td style="text-align: left;">)</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.5in;">Recoveries</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">1</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">10</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">11</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Balance, end of period</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">203</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">199</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">287</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">85</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">203</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">28</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">162</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,167</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap">Three Months Ended September 30,&#160;<br />2017 (Unaudited)</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Mortgage&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Commercial&#160;<br />Real Estate&#160;<br />and Land&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Home&#160;<br />Equity and&#160;<br />Other&#160;<br />Consumer</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Construction&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Mortgage&#160;<br />Loans Non-<br />Owner&#160;<br />Occupied</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Multi-<br />Family Real&#160;<br />Estate&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Commercial&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Total</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; font-weight: bold;">Allowance for loan losses:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in; width: 290px;">Balance, beginning of period</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">197</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">229</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">316</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">91</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">220</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">23</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">153</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">1,229</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.5in;">Provision charged to expense</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">15</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">43</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(29</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(6</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(17</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">5</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">6</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">17</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.5in;">Losses charged off</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(10</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(73</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(83</td> <td style="text-align: left;">)</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.5in;">Recoveries</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">1</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">3</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">4</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Balance, end of period</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">203</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">199</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">287</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">85</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">203</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">28</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">162</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,167</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>&#160;</b></p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap">Year Ended December 31, 2017</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Mortgage&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Commercial&#160;<br />Real Estate&#160;<br />and Land&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Home&#160;<br />Equity and&#160;<br />Other&#160;<br />Consumer</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Construction&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Residential&#160;<br />Mortgage&#160;<br />Loans Non-<br />Owner&#160;<br />Occupied</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Multi-<br />Family Real&#160;<br />Estate&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Commercial&#160;<br />Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Total</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; font-weight: bold;">Allowance for loan losses:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in; width: 290px;">Balance, beginning of year</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">166</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">164</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">341</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">88</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">175</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">30</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">173</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">1,137</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.5in;">Provision charged to expense</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">112</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">108</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(65</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">28</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(44</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(5</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(32</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">102</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.5in;">Losses charged off</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(73</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(9</td> <td style="text-align: left;">)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">(82</td> <td style="text-align: left;">)</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.5in;">Recoveries</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">5</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">19</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">24</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Balance, end of year</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">283</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">199</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">276</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">116</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">122</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">25</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">160</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,181</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Ending balance:&#160;&#160;individually &#160;evaluated for impairment</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">22</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">10</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">32</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">138</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">202</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Ending balance:&#160;&#160;collectively evaluated for impairment</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">261</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">189</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">276</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">116</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">90</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">25</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">22</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">979</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in; font-weight: bold;">Loans:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Ending balance</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">53,682</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">13,739</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">12,570</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">10,362</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">7,082</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">2,084</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">5,536</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">105,055</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Ending balance:&#160;&#160;individually &#160;evaluated for impairment</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">142</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">157</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">196</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">300</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">795</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Ending balance:&#160;&#160;collectively evaluated for impairment</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">53,540</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">13,582</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">12,570</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">10,362</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">6,886</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">2,084</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">5,236</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">104,260</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap"><font style="font-size: 8pt;">September 30, 2018 (Unaudited)</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Residential&#160;<br />Mortgage Loans</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Commercial&#160;<br />Real Estate and&#160;<br />Land Loans</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Home&#160;<br />Equity and&#160;<br />Other&#160;<br />Consumer</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Residential&#160;<br />Construction&#160;<br />Loans</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Residential&#160;<br />Mortgage Loans&#160;<br />Non-Owner&#160;<br />Occupied</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Multi-Family&#160;<br />Real Estate&#160;<br />Loans</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Commercial&#160;<br />Loans</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Total</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;"><font style="font-size: 8pt;">Rating</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.375in; width: 278px;"><font style="font-size: 8pt;">Satisfactory (5-8)</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 110px;"><font style="font-size: 8pt;">63,478</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 110px;"><font style="font-size: 8pt;">15,668</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 110px;"><font style="font-size: 8pt;">13,006</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 110px;"><font style="font-size: 8pt;">10,060</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 110px;"><font style="font-size: 8pt;">6,275</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 109px;"><font style="font-size: 8pt;">1,203</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 15px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 109px;"><font style="font-size: 8pt;">5,580</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 15px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 109px;"><font style="font-size: 8pt;">115,270</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.375in;"><font style="font-size: 8pt;">Special mention (1)</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">125</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">125</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.375in;"><font style="font-size: 8pt;">Substandard (2)</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">1,212</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">359</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">253</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">29</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">146</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">1,999</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.375in;"><font style="font-size: 8pt;">Doubtful (3)</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in;"><font style="font-size: 8pt;">Loss (4)</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.5in;"><font style="font-size: 8pt;">Total</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">64,690</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">16,027</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">13,259</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">10,060</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">6,304</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">1,203</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">5,851</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">117,394</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap"><font style="font-size: 8pt;">December 31, 2017</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Residential&#160;<br />Mortgage&#160;<br />Loans</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Commercial&#160;<br />Real Estate and&#160;<br />Land Loans</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Home&#160;<br />Equity and&#160;<br />Other&#160;<br />Consumer</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Residential&#160;<br />Construction&#160;<br />Loans</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Residential&#160;<br />Mortgage Loans&#160;<br />Non-Owner&#160;<br />Occupied</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Multi-Family&#160;<br />Real Estate&#160;<br />Loans</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Commercial&#160;<br />Loans</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;">Total</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;"><font style="font-size: 8pt;">Rating</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.5in; width: 266px;"><font style="font-size: 8pt;">Satisfactory (5-8)</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 110px;"><font style="font-size: 8pt;">52,948</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 110px;"><font style="font-size: 8pt;">13,212</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 110px;"><font style="font-size: 8pt;">12,411</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 110px;"><font style="font-size: 8pt;">10,362</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 110px;"><font style="font-size: 8pt;">6,508</font></td> <td style="text-align: left; width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 109px;"><font style="font-size: 8pt;">2,084</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 15px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 109px;"><font style="font-size: 8pt;">5,039</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="width: 15px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">$</font></td> <td style="text-align: right; width: 109px;"><font style="font-size: 8pt;">102,564</font></td> <td style="text-align: left; width: 15px;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.375in;"><font style="font-size: 8pt;">Special mention (1)</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.375in;"><font style="font-size: 8pt;">Substandard (2)</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">734</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">527</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">159</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">574</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">497</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">2,491</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.375in;"><font style="font-size: 8pt;">Doubtful (3)</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in;"><font style="font-size: 8pt;">Loss (4)</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 1pt solid; text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.5in;"><font style="font-size: 8pt;">Total</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">53,682</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">13,739</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">12,570</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">10,362</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">7,082</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">2,084</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">5,536</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> <td style="border-bottom: black 2.5pt double; text-align: left;"><font style="font-size: 8pt;">$</font></td> <td style="border-bottom: black 2.5pt double; text-align: right;"><font style="font-size: 8pt;">105,055</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"><font style="font-size: 8pt;">&#160;</font></td> </tr> </table> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap">September 30, 2018 (Unaudited)</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">30-59 Days&#160;<br />Past Due</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">60-89 Days&#160;<br />Past Due</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">90 Days&#160;<br />Past Due or&#160;<br />More</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Total&#160;&#160;<br />Past&#160;<br />Due</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Current</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Total&#160;<br />Loans&#160;<br />Receivable</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recorded&#160;<br />Investment 90&#160;<br />Days and&#160;<br />Accruing</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; width: 459px;">Residential mortgage loans</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">497</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">-</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">558</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">1,055</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 109px;">63,635</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">64,690</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">-</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Commercial real estate and land loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">16,027</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">16,027</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Home equity and other consumer</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">39</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">39</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">13,220</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">13,259</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Residential construction loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">10,060</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">10,060</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Residential mortgage loans, non-owner occupied</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">6,304</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">6,304</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Multi-family real estate loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,203</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,203</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in;">Commercial loans</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">5,851</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">5,851</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.125in;">Total</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">497</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">597</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,094</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">116,300</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">117,394</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap">December 31, 2017</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">30-59 Days&#160;<br />Past Due</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">60-89 Days&#160;<br />Past Due</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">90 Days&#160;<br />Past Due or&#160;<br />More</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Total&#160;&#160;<br />Past&#160;<br />Due</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Current</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Total&#160;<br />Loans&#160;<br />Receivable</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recorded&#160;<br />Investment 90&#160;<br />Days and&#160;<br />Accruing</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; width: 459px;">Residential mortgage loans</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">173</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">-</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">634</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">807</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 109px;">52,875</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">53,682</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">-</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Commercial real estate and land loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">157</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">157</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">13,582</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">13,739</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Home equity and other consumer</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">39</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">39</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">12,531</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">12,570</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Residential construction loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">10,362</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">10,362</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Residential mortgage loans, non-owner occupied</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">7,082</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">7,082</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Multi-family real estate loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">2,084</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">2,084</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in;">Commercial loans</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">5,536</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">5,536</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.125in;">Total</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">212</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">791</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,003</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">104,052</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">105,055</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">For the Three Months&#160;<br />Ended</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">For the Nine Months&#160;<br />Ended</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">As of September 30, 2018</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">September 30, 2018</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">September 30, 2018</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Average</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Average</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Unpaid</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Investment</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Interest</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Investment</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Interest</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recorded</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Principal</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Allocated</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">in Impaired</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Income</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">in Impaired</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Income</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Balance</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Balance</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Allowance</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recognized</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recognized</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Loans without an allocated allowance:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential mortgage loans</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in; width: 447px;">Commercial real estate and land loans</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 110px;">-</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 110px;">-</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 110px;">-</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 110px;">113</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 109px;">-</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="text-align: right; width: 109px;">144</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="text-align: right; width: 109px;">-</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Home equity and other consumer</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">11</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">11</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">11</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">11</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential construction loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential mortgage loans, non-owner occupied</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">191</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">191</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">192</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">193</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">8</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Multi-family real estate loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Commercial loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Loans with an allocated allowance:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential mortgage loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">75</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">75</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">4</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">75</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">112</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Commercial real estate and land loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Home equity and other consumer</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential construction loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential mortgage loans, non-owner occupied</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Multi-family real estate loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in;">Commercial loans</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">166</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">9</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Total</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">277</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">277</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">4</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">391</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">4</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">626</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">20</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">For the Three Months&#160;<br />Ended</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">For the Nine Months&#160;<br />Ended</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">As of September 30, 2017</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">September 30, 2017</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">September 30, 2017</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Average</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Average</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Unpaid</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Investment</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Interest</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Investment</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Interest</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recorded</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Principal</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Allocated</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">in Impaired</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Income</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">in Impaired</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Income</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Balance</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Balance</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Allowance</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recognized</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recognized</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Loans without an allocated allowance:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential mortgage loans</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in; width: 447px;">Commercial real estate and land loans</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 110px;">148</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 110px;">148</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 110px;">-</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 110px;">180</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 109px;">-</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="text-align: right; width: 109px;">214</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="text-align: right; width: 109px;">1</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Home equity and other consumer</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential construction loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential mortgage loans, non-owner occupied</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">60</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">60</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">65</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">93</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Multi-family real estate loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Commercial loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Loans with an allocated allowance:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential mortgage loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">142</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">142</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">22</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">143</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">144</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">5</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Commercial real estate and land loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Home equity and other consumer</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential construction loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential mortgage loans, non-owner occupied</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">198</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">198</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">34</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">199</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">2</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">200</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">7</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Multi-family real estate loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in;">Commercial loans</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">301</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">301</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">139</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">301</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">4</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">315</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">13</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Total</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">849</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">849</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">195</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">888</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">8</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">966</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">29</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="18" nowrap="nowrap">As of December 31, 2017</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Average</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Unpaid</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Investment</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Interest</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recorded</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Principal</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Allocated</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">in Impaired</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Income</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Balance</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Balance</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Allowance</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Loans</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recognized</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Loans without an allocated allowance:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential mortgage loans</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Commercial real estate and land loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Home equity and other consumer</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential construction loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential mortgage loans, non-owner occupied</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Multi-family real estate loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Commercial loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Loans with an allocated allowance:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in; width: 525px;">Residential mortgage loans</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 157px;">142</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 157px;">142</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 157px;">22</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="text-align: right; width: 156px;">143</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="text-align: right; width: 156px;">7</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Commercial real estate and land loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">157</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">157</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">10</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">192</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Home equity and other consumer</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential construction loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Residential mortgage loans, non-owner occupied</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">196</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">196</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">32</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">199</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">13</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Multi-family real estate loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in;">Commercial loans</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">300</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">300</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">138</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">313</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">17</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Total</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">795</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">795</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">202</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">847</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">41</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 95%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; margin-left: 0.5in; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">September 30,</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">December 31,</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">2018</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">2017</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; width: 911px;">Residential mortgage loans</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 216px;">558</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="width: 14px;">&#160;</td> <td style="text-align: left; width: 14px;">$</td> <td style="text-align: right; width: 216px;">634</td> <td style="text-align: left; width: 14px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Commercial real estate and land loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">157</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Home equity and other consumer</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">39</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Residential construction loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Residential mortgage loans, non-owner occupied</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Multi-family real estate loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in;">Commercial loans</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Total</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">597</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">791</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">As of September 30, 2018</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">As of December 31, 2017</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Number of&#160;<br />Contracts</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recorded&#160;<br />Investment</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Number of&#160;<br />Contracts</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Recorded&#160;<br />Investment</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; width: 741px;">Residential mortgage loans</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 157px;">1</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 157px;">75</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 156px;">1</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 156px;">77</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Commercial real estate and land loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Home equity and other consumer</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">11</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Residential construction loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Residential mortgage loans, non-owner occupied</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">4</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">191</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">4</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">196</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Multi-family real estate loans</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in;">Commercial loans</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">1</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">300</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: right;">6</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">277</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: right;">6</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">573</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 95%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; margin-left: 0.5in; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">September 30, 2018</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">December 31, 2017</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; width: 923px;">Shares allocated to participants</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="text-align: right; width: 216px;">4,838</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="width: 14px;">&#160;</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="text-align: right; width: 216px;">6,451</td> <td style="text-align: left; width: 14px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">Shares released to participants</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">6,451</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 1pt;">Unreleased shares</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">117,735</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">122,573</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td>Total</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">129,024</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">129,024</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td>&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt;">Fair Value of Unreleased Shares</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,871,998</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,982,005</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">Actual</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">Minimum Capital&#160;<br />Requirement</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">Minimum to Be Well&#160;<br />Capitalized Under&#160;<br />Prompt Corrective&#160;<br />Action Provisions</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Amount</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Ratio</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Amount</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Ratio</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Amount</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Ratio</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;"><b>As of September 30, 2018:</b></td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in; width: 521px;">Equity</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 126px;">20,646</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 126px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 126px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 125px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="text-align: right; width: 125px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="text-align: right; width: 125px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in;">Allowance for loan losses</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">1,189</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="text-align: right; padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="text-align: right; padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="text-align: right; padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="text-align: right; padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="text-align: right; padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Total risk-based capital (to risk-weighted &#160;assets)</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">21,835</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: right; padding-bottom: 2.5pt;">16.9</td> <td style="text-align: left; padding-bottom: 2.5pt;">%</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: left; padding-bottom: 2.5pt;">$</td> <td style="text-align: right; padding-bottom: 2.5pt;">10,345</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: right; padding-bottom: 2.5pt;">8.0</td> <td style="text-align: left; padding-bottom: 2.5pt;">%</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: left; padding-bottom: 2.5pt;">$</td> <td style="text-align: right; padding-bottom: 2.5pt;">12,931</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: right; padding-bottom: 2.5pt;">10.0</td> <td style="text-align: left; padding-bottom: 2.5pt;">%</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Tier I capital (to risk-weighted &#160;assets)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">20,646</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">16.0</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">7,759</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">6.0</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">10,345</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">8.0</td> <td style="text-align: left;">%</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Common equity Tier I capital (to risk-weighted &#160;assets)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">20,646</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">16.0</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">5,819</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">4.5</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">8,405</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">6.5</td> <td style="text-align: left;">%</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Tier I capital (to adjusted total &#160;assets)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">20,646</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">15.2</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">5,433</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">4.0</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">6,791</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">5.0</td> <td style="text-align: left;">%</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">Actual</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">Minimum Capital&#160;<br />Requirement</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="6" nowrap="nowrap">Minimum to Be Well&#160;<br />Capitalized Under&#160;<br />Prompt Corrective&#160;<br />Action Provisions</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Amount</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Ratio</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Amount</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Ratio</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Amount</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Ratio</td> <td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;"><b>As of December 31, 2017:</b></td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in; width: 521px;">Equity</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 126px;">20,197</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 126px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 126px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="text-align: right; width: 125px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="text-align: right; width: 125px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="text-align: right; width: 125px;">&#160;</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in;">Allowance for loan losses</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">1,181</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="text-align: right; padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="text-align: right; padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="text-align: right; padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="text-align: right; padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="text-align: right; padding-bottom: 1pt;">&#160;</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in;">Total risk-based capital (to risk-weighted &#160;assets)</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">21,378</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: right; padding-bottom: 2.5pt;">18.0</td> <td style="text-align: left; padding-bottom: 2.5pt;">%</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: left; padding-bottom: 2.5pt;">$</td> <td style="text-align: right; padding-bottom: 2.5pt;">9,498</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: right; padding-bottom: 2.5pt;">8.0</td> <td style="text-align: left; padding-bottom: 2.5pt;">%</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: left; padding-bottom: 2.5pt;">$</td> <td style="text-align: right; padding-bottom: 2.5pt;">11,873</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="text-align: right; padding-bottom: 2.5pt;">10.0</td> <td style="text-align: left; padding-bottom: 2.5pt;">%</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Tier I capital (to risk-weighted &#160;assets)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">20,197</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">17.0</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">7,124</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">6.0</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">9,498</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">8.0</td> <td style="text-align: left;">%</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Common equity Tier I capital (to risk-weighted &#160;assets)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">20,197</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">17.0</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">5,343</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">4.5</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">7,717</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">6.5</td> <td style="text-align: left;">%</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Tier I capital (to adjusted total &#160;assets)</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">20,197</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">15.6</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">5,187</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">4.0</td> <td style="text-align: left;">%</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">6,484</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">5.0</td> <td style="text-align: left;">%</td> </tr> </table> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td style="text-align: center;" colspan="2" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="10" nowrap="nowrap">Fair Value Measurements Using</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" colspan="2" nowrap="nowrap">Fair</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Quoted Prices in&#160;<br />Active Markets for&#160;<br />Identical Assets</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Significant&#160;<br />Other&#160;<br />Observable&#160;<br />Inputs</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Significant&#160;<br />Unobservable&#160;<br />Inputs</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">September 30, 2018</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Value</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 1)</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 2)</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 3)</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; width: 753px;">Impaired loans (collateral dependent)</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 157px;">273</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 157px;">-</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 156px;">-</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 156px;">273</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">Foreclosed assets held for sale</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">217</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">217</td> <td style="text-align: left;">&#160;</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td style="text-align: center;" colspan="2" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="10" nowrap="nowrap">Fair Value Measurements Using</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" colspan="2" nowrap="nowrap">Fair</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Quoted Prices in&#160;<br />Active Markets for&#160;<br />Identical Assets</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Significant&#160;<br />Other&#160;<br />Observable&#160;<br />Inputs</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Significant&#160;<br />Unobservable&#160;<br />Inputs</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">December 31, 2017</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Value</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 1)</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 2)</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 3)</td> <td style="text-align: center; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; width: 753px;">Impaired loans (collateral dependent)</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 157px;">593</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 157px;">-</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 156px;">-</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 156px;">593</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> </table> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Fair Value at</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" nowrap="nowrap">Valuation</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">9/30/2018</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" nowrap="nowrap">Technique</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" nowrap="nowrap">Unobservable Inputs</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" nowrap="nowrap">Range</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; width: 361px;">Impaired loans (collateral dependent)</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 157px;">$</td> <td style="text-align: right; width: 110px;">273</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: center; width: 313px;">Market comparable properties</td> <td style="width: 15px;">&#160;</td> <td style="text-align: center; width: 313px;">Marketability discount</td> <td style="width: 15px;">&#160;</td> <td style="text-align: center; width: 235px;">10% - 15%</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: center;">&#160;</td> <td>&#160;</td> <td style="text-align: center;">&#160;</td> <td>&#160;</td> <td style="text-align: center;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Foreclosed assets held for sale</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">217</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: center;">Market comparable properties</td> <td>&#160;</td> <td style="text-align: center;">Marketability discount</td> <td>&#160;</td> <td style="text-align: center;">10% - 15%</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0.75in; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Fair Value at</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="text-align: center; font-weight: bold;" nowrap="nowrap">Valuation</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> <td nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">12/31/2017</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" nowrap="nowrap">Technique</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" nowrap="nowrap">Unobservable Inputs</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" nowrap="nowrap">Range</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; width: 361px;">Impaired loans (collateral dependent)</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 157px;">$</td> <td style="text-align: right; width: 110px;">593</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: center; width: 313px;">Market comparable properties</td> <td style="width: 15px;">&#160;</td> <td style="text-align: center; width: 313px;">Marketability discount</td> <td style="width: 15px;">&#160;</td> <td style="text-align: center; width: 235px;">10% - 15%</td> </tr> </table> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td colspan="6" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="10" nowrap="nowrap">Fair Value Measurements Using</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap">September 30, 2018</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Carrying&#160;<br />Amount</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Fair&#160;<br />Value</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 1)</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 2)</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 3)</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; font-weight: bold;">Financial Assets</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in; width: 760px;">Cash and cash equivalents</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">9,448</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">9,448</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">9,448</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">-</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">-</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Interest-bearing time deposits</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">4,233</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">4,233</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">4,233</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Loans held for sale</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">2,228</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">2,228</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">2,228</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Loans, net of allowance for losses</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">110,779</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">111,233</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">111,233</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">FHLB stock</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">754</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">754</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">754</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">FHLB lender risk account receivable</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3,278</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3,207</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3,207</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Interest receivable</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">354</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">354</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">354</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; font-weight: bold;">Financial Liabilities</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;">Deposits</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">107,372</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">106,703</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">61,265</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">45,438</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">FHLB advances</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Advances from borrowers for taxes and insurance</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">622</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">622</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">622</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Interest payable</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> </table> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td colspan="6" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="10" nowrap="nowrap">Fair Value Measurements Using</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center; padding-bottom: 1pt; text-indent: 0px; padding-left: 0px; font-weight: bold;" nowrap="nowrap">December 31, 2017</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Carrying&#160;<br />Amount</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Fair&#160;<br />Value</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 1)</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 2)</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(Level 3)</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; font-weight: bold;">Financial Assets</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in; width: 760px;">Cash and cash equivalents</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">15,350</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">15,350</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">15,350</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">-</td> <td style="text-align: left; width: 15px;">&#160;</td> <td style="width: 15px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">-</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Interest-bearing time deposits</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">5,079</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">5,079</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">5,079</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Loans held for sale</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3,336</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3,336</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3,336</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Loans, net of allowance for losses</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">96,529</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">98,470</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">98,470</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">FHLB stock</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">736</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">736</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">736</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">FHLB lender risk account receivable</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3,168</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3,174</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">3,174</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Interest receivable</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">287</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">287</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">287</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; font-weight: bold;">Financial Liabilities</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.25in;">Deposits</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">101,118</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">100,728</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">59,415</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">41,313</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">FHLB advances</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">9</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">9</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">9</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Advances from borrowers for taxes&#160;&#160;and insurance</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">866</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">866</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">866</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Interest payable</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> </table> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"><b>&#160;</b></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"><b>&#160;</b></td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap"><b>September 30, 2018</b></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"><b>&#160;</b></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"><b>&#160;</b></td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap"><b>December 31, 2017</b></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"><b>&#160;</b></td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; width: 1160px;">Unused lines of credit</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 157px;">4,322</td> <td style="text-align: left; width: 16px;">&#160;</td> <td style="width: 16px;">&#160;</td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 156px;">3,509</td> <td style="text-align: left; width: 15px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt;">Unused home equity lines</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">12,240</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">11,305</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td>&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in;">Total commitments</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">16,562</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> <td style="padding-bottom: 2.5pt;">&#160;</td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">14,814</td> <td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td> </tr> </table> 1612808 1612808 118321 119902 1494487 1492906 1.00 1572808 10 15728000 100000 1423000 40000 7153000 100000000 129024 129024 129024 0.08 1612808 1612808 64512 1290000 5763000 105055000 53682000 13739000 12570000 10362000 7082000 2084000 5536000 52948000 0 734000 0 0 13212000 0 527000 0 0 12411000 0 159000 0 0 10362000 0 0 0 0 6508000 0 574000 0 0 2084000 0 0 0 0 5039000 0 497000 0 0 102564000 0 2491000 0 0 117394000 64690000 16027000 13259000 10060000 6304000 1203000 5851000 63478000 0 1212000 0 0 15668000 0 359000 0 0 13006000 0 253000 0 0 10060000 0 0 0 0 6275000 0 29000 0 0 1203000 0 0 0 0 5580000 125000 146000 0 0 115270000 125000 1999000 0 0 -66000 -31000 7411000 5457000 83000 10000 73000 0 0 0 0 0 83000 10000 73000 0 0 0 0 0 82000 0 73000 0 0 9000 0 0 81000 13000 68000 0 0 0 0 0 103000 35000 68000 0 0 0 0 0 4000 1000 0 0 0 0 0 3000 11000 1000 0 0 0 0 0 10000 24000 5000 0 0 0 0 0 19000 4000 4000 0 0 0 0 0 0 12000 11000 0 0 0 1000 0 0 202000 22000 10000 0 0 32000 0 138000 4000 4000 0 0 0 0 0 0 979000 261000 189000 276000 116000 90000 25000 22000 1185000 403000 249000 306000 110000 79000 14000 24000 795000 142000 157000 0 0 196000 0 300000 277000 75000 0 11000 0 191000 0 0 104260000 53540000 13582000 12570000 10362000 6886000 2084000 5236000 117117000 64615000 16027000 13248000 10060000 6113000 1203000 5851000 1003000 807000 157000 39000 0 0 0 0 173000 0 634000 0 0 157000 39000 0 0 0 0 0 0 0 0 212000 0 791000 0 0 0 0 0 0 1094000 1055000 0 39000 0 0 0 0 497000 0 558000 0 0 0 0 0 39000 0 0 0 0 0 0 497000 0 597000 0 0 0 0 0 0 104052000 52875000 13582000 12531000 10362000 7082000 2084000 5536000 116300000 63635000 16027000 13220000 10060000 6304000 1203000 5851000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 148000 0 0 60000 0 0 0 0 0 0 0 0 0 0 0 11000 0 191000 0 0 0 148000 0 0 60000 0 0 0 0 0 0 0 0 0 0 0 11000 0 191000 0 0 0 180000 0 0 65000 0 0 0 214000 0 0 93000 0 0 0 0 0 0 0 0 0 0 113000 11000 0 192000 0 0 0 144000 11000 0 193000 0 0 0 0 0 0 1000 0 0 0 1000 0 0 3000 0 0 0 0 0 0 0 0 0 0 0 0 0 3000 0 0 0 0 0 0 8000 0 0 142000 0 0 0 198000 0 301000 142000 157000 0 0 196000 0 300000 75000 0 0 0 0 0 0 142000 0 0 0 198000 0 301000 142000 157000 0 0 196000 0 300000 75000 0 0 0 0 0 0 143000 0 0 0 199000 0 301000 144000 0 0 0 200000 0 315000 143000 192000 0 0 199000 0 313000 75000 0 0 0 0 0 0 112000 0 0 0 0 0 166000 1000 0 0 0 2000 0 4000 5000 0 0 0 7000 0 13000 7000 1000 0 0 13000 3000 17000 1000 0 0 0 0 0 0 3000 0 0 0 0 0 9000 849000 795000 277000 849000 795000 277000 195000 22000 0 0 0 34000 0 139000 202000 22000 10000 0 0 32000 0 138000 4000 4000 0 0 0 0 0 0 888000 966000 847000 391000 626000 8000 29000 41000 4000 20000 791000 634000 157000 0 0 0 0 0 597000 558000 0 39000 0 0 0 0 6 1 0 0 0 4 0 1 5 6 1 0 1 0 4 0 0 5 1 573000 77000 0 0 0 196000 0 300000 277000 75000 0 11000 0 191000 0 0 2166000 1871000 573000 300000 273000 277000 266000 11000 195000 75000 1 1 6451 4838 0 6451 122573 117735 1982005000 1871998000 0.08 P20Y 0.20 P2Y 21378000 21835000 0.18 0.169 9498000 10345000 0.08 0.08 11873000 12931000 0.10 0.10 20197000 20646000 0.17 0.16 7124000 7759000 0.06 0.06 9498000 10345000 0.08 0.08 20197000 20646000 0.17 0.16 5343000 5819000 0.045 0.045 7717000 8405000 0.065 0.065 20197000 20646000 0.156 0.152 5187000 5433000 0.04 0.04 6484000 6791000 0.05 0.05 0 0 217000 217000 0 0 593000 593000 0 0 273000 273000 10 15 10 15 10 15 15350000 15350000 15350000 0 0 9448000 9448000 9448000 0 0 5079000 5079000 5079000 0 0 4233000 4233000 4233000 0 0 3336000 3336000 0 0 3336000 2228000 2228000 0 0 2228000 96529000 98470000 0 0 98470000 110779000 111233000 0 0 111233000 736000 736000 0 736000 0 754000 754000 0 754000 0 3168000 3174000 0 0 3174000 3278000 3207000 0 0 3207000 287000 287000 0 287000 0 354000 354000 0 354000 0 101118000 100728000 59415000 41313000 0 107372000 106703000 61265000 45438000 0 9000 9000 0 9000 0 0 0 0 0 0 866000 866000 0 866000 0 622000 622000 0 622000 0 1000 1000 0 1000 0 1000 1000 0 1000 0 6000 103000 14814000 3509000 11305000 16562000 4322000 12240000 0.0325 0.03500 0.03125 0.0450 0.03125 810000 202000 106000 532000 P30Y P30Y 0.03875 0.04625 0.04375 0.04625 0.0573 0.04375 0.0625 5/1 adjustable rate 608000 1 2 11000 79073000 290850000 96000 118000 78977000 290732000 0.05 0.19 1494487 1492906 0.05 0.19 0 0 225792 161280 true true false 32255 15.89 503000 508000 3000 8000 P10Y 13415000 14689000 -1290000 16000 0.2456 0.0301 P7Y6M 13415000 5.57 12900000 P5Y 6000 6000 378000 P5Y <table style="widows: 2; text-transform: none; margin-top: 0px; text-indent: 0px; width: 100%; font: bold 10pt 'times new roman', times, serif; orphans: 2; margin-bottom: 0px; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="text-align: justify; vertical-align: top;"> <td style="text-align: left; width: 0.5in;"><font style="font-family: 'times new roman', times, serif;">Note 2:</font></td> <td style="text-align: justify;">Earnings Per Common Share</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0in; margin: 0pt 0px; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Basic earnings per common share (&#8220;EPS&#8221;) excludes dilution and is calculated by dividing net income applicable to common stock by the weighted-average number of shares of common shares outstanding during the period. Diluted EPS is computed in a manner similar to that of basic EPS except that the weighted-average number of common shares outstanding is increased to include the number of incremental common shares that would have been outstanding if all potentially dilutive common stock equivalents were issued during the period. Unallocated common shares held by the Company&#8217;s Employee Stock Ownership Plan (&#8220;the ESOP&#8221;) are shown as a reduction in stockholder&#8217;s equity and are excluded from weighted-average common shares outstanding for both basic and diluted EPS calculations until they are committed to be released. The computation of earnings per share for the three and nine months ended September 30, 2017 is not presented as the Company did not complete its initial public offering until July 20, 2017.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The computations for the three and nine month periods ended September 30, 2018 are as follows:</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <table style="widows: 2; text-transform: none; text-indent: 0px; width: 93%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; orphans: 2; letter-spacing: normal; margin-left: 0.5in; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Three months ended September 30,</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">Nine months ended September 30,</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">2018</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">2018</td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap">&#160;</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;" nowrap="nowrap">&#160;</td> <td>&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td>&#160;</td> <td>&#160;</td> <td colspan="2" nowrap="nowrap">&#160;</td> <td>&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in; width: 978px;">Net Income</td> <td style="width: 14px;">&#160;</td> <td style="text-align: left; width: 18px;">$</td> <td style="text-align: right; width: 183px;">79,073</td> <td style="text-align: left; width: 14px;">&#160;</td> <td style="width: 14px;">&#160;</td> <td style="text-align: left; width: 17px;">$</td> <td style="text-align: right; width: 177px;">290,850</td> <td style="text-align: left; width: 14px;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in;">Less allocation of earnings to participating securities</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">96</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">118</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Net income allocated to common shareholders</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">78,977</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">290,732</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Shares Outstanding for basic earnings per common share:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">Weighted Average shares outstanding:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,612,808</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,612,808</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in;">Less: Average Unearned ESOP shares:</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">118,321</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> <td style="padding-bottom: 1pt;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td> <td style="border-bottom: black 1pt solid; text-align: right;">119,902</td> <td style="text-align: left; padding-bottom: 1pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Weighted average number of shares outstanding used in the calculation of basic earnings per common share</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,494,487</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,492,906</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">Basic earnings per common share:</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">0.05</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">0.19</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Effect of dilutive securities:</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">&#160;</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in;">Stock Options</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">-</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in;">Weighted average number of shares outstanding used in the calculation of dilutive earnings per common share</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,494,487</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">&#160;</td> <td style="text-align: right;">1,492,906</td> <td style="text-align: left;">&#160;</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.125in; padding-left: 0.125in;">Diluted earnings per common share:</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">0.05</td> <td style="text-align: left;">&#160;</td> <td>&#160;</td> <td style="text-align: left;">$</td> <td style="text-align: right;">0.19</td> <td style="text-align: left;">&#160;</td> </tr> </table> <table style="widows: 2; text-transform: none; margin-top: 0px; text-indent: 0px; width: 100%; font: bold 10pt 'times new roman', times, serif; orphans: 2; margin-bottom: 0px; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="text-align: justify; vertical-align: top;"> <td style="text-align: left; width: 0.5in;">Note 8:</td> <td style="text-align: justify;">Equity Incentive Plan</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In September 2018, the Company&#8217;s stockholders approved the Eagle Financial Bancorp, Inc. 2018 Equity Incentive Plan (the &#8220;2018 Plan&#8221;). The 2018 Plan authorizes the issuance or delivery to participants of up to 225,792 shares of the Company&#8217;s common stock pursuant to the grants of restricted stock awards, incentive stock options, and non-qualified stock options. Of this number, the maximum number of shares of Company common stock that may be issued under the 2018 Plan pursuant to the exercise of stock options is 161,280 shares and the maximum number of shares of Company common stock that may be issued as restricted stock awards is 64,512 shares. Stock options awarded to employees may be incentive stock options or non-qualified stock options. Shares awarded under the 2018 Plan may be authorized but unissued shares or treasury shares. The 2018 Plan contains annual and lifetime limits on certain types of awards to individual participants.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Awards may vest or become exercisable only upon the achievement of performance measures or based solely on the passage of time after award. Stock options and restricted stock awards provide for accelerated vesting if there is a change in control (as defined in the 2018 Plan).</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In September 2018, the Company granted stock options for 32,255 shares to members of the Board of Directors. Options granted in September 2018 have an exercise price $15.89, as determined on the grant date and expire ten years from the grant date.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The fair value was calculated using the Black-Scholes model for stock options granted in September 2018 using the following assumptions: expected volatility of 24.56%, a risk free interest rate of 3.01%, and an expected term of 7.5 years. The Company utilized the simplified method to determine the expected term because it does not have sufficient historical exercise data to provide a reasonable basis upon which to estimate the expected term.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The weighted average grant-date fair value of options granted during the year 2018 was $5.57 per share.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">At September 30, 2018, no stock options were exercisable.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In September 2018, the Company awarded 12,900 restricted shares to members of the Board of Directors. The restricted stock awards have a five year vesting period. During the restricted period, the holder is entitled to full voting rights and dividends, thus are considered participating securities.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Total compensation cost recognized in the income statement for share-based payment arrangements during the three and nine months ended September 30, 2018 was $6.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">As of September 30, 2018, there was approximately $378 of total unrecognized compensation cost related to unvested share-based compensation arrangements granted under the Plan. That cost is expected to be recognized over a remaining weighted-average period of 5 years.</p> 6000 6000 6000 EX-101.SCH 7 efbi-20180930.xsd XBRL TAXONOMY EXTENSION SCHEMA 001 - Document - Document and Entity Information link:presentationLink link:definitionLink link:calculationLink 002 - Statement - Condensed Consolidated Balance Sheets link:presentationLink link:definitionLink link:calculationLink 003 - Statement - Condensed Consolidated Balance Sheets (Parentheticals) link:presentationLink link:definitionLink link:calculationLink 004 - Statement - Condensed Consolidated Statements of Operations and Comprehensive Income (Loss) (Unaudited) link:presentationLink link:definitionLink link:calculationLink 005 - Statement - Condensed Consolidated Statements of Shareholders' Equity (Unaudited) link:presentationLink link:definitionLink link:calculationLink 006 - Statement - Condensed Consolidated Statements of Shareholders' Equity (Parentheticals) (Unaudited) link:presentationLink link:definitionLink link:calculationLink 007 - Statement - Condensed Consolidated Statements of Cash Flows (Unaudited) link:presentationLink link:definitionLink link:calculationLink 008 - Disclosure - Nature of Operations and Summary of Significant Accounting Policies link:presentationLink link:definitionLink link:calculationLink 009 - Disclosure - Earnings Per Common Share link:presentationLink link:definitionLink link:calculationLink 010 - Disclosure - Loans and Allowance for Loan Losses link:presentationLink link:definitionLink link:calculationLink 011 - Disclosure - Employee Stock Ownership Plan ("ESOP") link:presentationLink link:definitionLink link:calculationLink 012 - Disclosure - Regulatory Matters link:presentationLink link:definitionLink link:calculationLink 013 - Disclosure - Disclosure About Fair Values of Assets and Liabilities link:presentationLink link:definitionLink link:calculationLink 014 - Disclosure - Commitments and Credit Risk link:presentationLink link:definitionLink link:calculationLink 015 - Disclosure - Equity Incentive Plan link:presentationLink link:definitionLink link:calculationLink 016 - Disclosure - Recent Accounting Pronouncements link:presentationLink link:definitionLink link:calculationLink 017 - Disclosure - Nature of Operations and Summary of Significant Accounting Policies (Policies) link:presentationLink link:definitionLink link:calculationLink 018 - Disclosure - Earnings Per Common Share (Tables) link:presentationLink link:definitionLink link:calculationLink 019 - Disclosure - Loans and Allowance for Loan Losses (Tables) link:presentationLink link:definitionLink link:calculationLink 020 - Disclosure - Employee Stock Ownership Plan ("ESOP") (Tables) link:presentationLink link:definitionLink link:calculationLink 021 - Disclosure - Regulatory Matters (Tables) link:presentationLink link:definitionLink link:calculationLink 022 - Disclosure - Disclosure About Fair Values of Assets and Liabilities (Tables) link:presentationLink link:definitionLink link:calculationLink 023 - Disclosure - Commitments and Credit Risk (Tables) link:presentationLink link:definitionLink link:calculationLink 024 - Disclosure - Nature of Operations and Summary of Significant Accounting Policies (Detail Textuals) link:presentationLink link:definitionLink link:calculationLink 025 - Disclosure - Earnings Per Common Share (Details) link:presentationLink link:definitionLink link:calculationLink 026 - Disclosure - Loans and Allowance for Loan Losses (Details) link:presentationLink link:definitionLink link:calculationLink 027 - Disclosure - Loans and Allowance for Loan Losses (Details 1) link:presentationLink link:definitionLink link:calculationLink 028 - Disclosure - Loans and Allowance for Loan Losses (Details 2) link:presentationLink link:definitionLink link:calculationLink 029 - Disclosure - Loans and Allowance for Loan Losses (Details 3) link:presentationLink link:definitionLink link:calculationLink 030 - Disclosure - Loans and Allowance for Loan Losses (Details 4) link:presentationLink link:definitionLink link:calculationLink 031 - Disclosure - Loans and Allowance for Loan Losses (Details 5) link:presentationLink link:definitionLink link:calculationLink 032 - Disclosure - Loans and Allowance for Loan Losses (Details 6) link:presentationLink link:definitionLink link:calculationLink 033 - Disclosure - Loans and Allowance for Loan Losses (Detail Textuals) link:presentationLink link:definitionLink link:calculationLink 034 - Disclosure - Employee Stock Ownership Plan ("ESOP") (Details) link:presentationLink link:definitionLink link:calculationLink 035 - Disclosure - Employee Stock Ownership Plan ("ESOP") (Detail Textuals) link:presentationLink link:definitionLink link:calculationLink 036 - Disclosure - Regulatory Matters (Details) link:presentationLink link:definitionLink link:calculationLink 037 - Disclosure - Disclosure About Fair Values of Assets and Liabilities (Details) link:presentationLink link:definitionLink link:calculationLink 038 - Disclosure - Disclosure About Fair Values of Assets and Liabilities (Details 1) link:presentationLink link:definitionLink link:calculationLink 039 - Disclosure - Disclosure About Fair Values of Assets and Liabilities (Details 2) link:presentationLink link:definitionLink link:calculationLink 040 - Disclosure - Disclosure About Fair Values of Assets and Liabilities (Detail Textuals) link:presentationLink link:definitionLink link:calculationLink 041 - Disclosure - Commitments and Credit Risk (Details) link:presentationLink link:definitionLink link:calculationLink 042 - Disclosure - Commitments and Credit Risk (Detail Textuals) link:presentationLink link:definitionLink link:calculationLink 043 - Disclosure - Equity Incentive Plan (Detail Textuals) link:presentationLink link:definitionLink link:calculationLink EX-101.CAL 8 efbi-20180930_cal.xml XBRL TAXONOMY EXTENSION CALCULATION LINKBASE EX-101.DEF 9 efbi-20180930_def.xml XBRL TAXONOMY EXTENSION DEFINITION LINKBASE EX-101.LAB 10 efbi-20180930_lab.xml XBRL TAXONOMY EXTENSION LABEL LINKBASE EX-101.PRE 11 efbi-20180930_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE XML 12 R1.htm IDEA: XBRL DOCUMENT v3.10.0.1
Document and Entity Information - shares
9 Months Ended
Sep. 30, 2018
Nov. 09, 2018
Document And Entity Information [Abstract]    
Entity Registrant Name Eagle Financial Bancorp, Inc.  
Entity Central Index Key 0001699018  
Trading Symbol efbi  
Current Fiscal Year End Date --12-31  
Entity Filer Category Non-accelerated Filer  
Entity Common Stock, Shares Outstanding   1,625,708
Document Type 10-Q  
Document Period End Date Sep. 30, 2018  
Amendment Flag false  
Document Fiscal Year Focus 2018  
Document Fiscal Period Focus Q3  
Entity Small Business true  
Entity Emerging Growth Company true  
Entity Ex Transition Period false  
XML 13 R2.htm IDEA: XBRL DOCUMENT v3.10.0.1
Condensed Consolidated Balance Sheets - USD ($)
$ in Thousands
Sep. 30, 2018
Dec. 31, 2017
Assets    
Cash and due from banks $ 445 $ 519
Federal Reserve Bank and Federal Home Loan Bank (FHLB) demand accounts 9,003 14,831
Cash and cash equivalents 9,448 15,350
Interest-bearing time deposits in other banks 4,233 5,079
Loans held for sale 2,228 3,336
Loans, net of allowance for loan losses of $1,189 and $1,181 at September 30, 2018 and December 31, 2017, respectively 110,779 96,529
Premises and equipment - at depreciated cost 4,260 4,361
FHLB stock - at cost 754 736
Foreclosed assets held for sale, net 217  
Bank-owned life insurance (BOLI) 1,947 1,912
FHLB lender risk account receivable 3,278 3,168
Accrued interest receivable 354 287
Prepaid federal income taxes 13 37
Other assets 308 287
Total assets 137,819 131,082
Deposits    
Noninterest-bearing 5,881 4,032
Interest-bearing 101,491 97,086
Total deposits 107,372 101,118
FHLB advances   9
Advances from borrowers for taxes and insurance 622 866
Accrued interest payable 1 1
Accrued supplemental retirement plans 1,245 1,079
Deferred federal tax liability 315 315
Other liabilities 552 357
Total liabilities 110,107 103,745
Shareholders' Equity    
Preferred stock, $0.01 par value, 5,000,000 shares authorized; none issued and outstanding
Common stock, $0.01 par value, 50,000,000 shares authorized, 1,625,708 and 1,612,808 shares issued and outstanding at September 30, 2018 and December 31, 2017, respectively 16 16
Additional paid-in capital 14,765 14,730
Retained earnings 14,108 13,817
Unearned Employee Stock Ownership Plan ("ESOP") shares (1,177) (1,226)
Total shareholders' equity 27,712 27,337
Total liabilities and shareholders' equity $ 137,819 $ 131,082
XML 14 R3.htm IDEA: XBRL DOCUMENT v3.10.0.1
Condensed Consolidated Balance Sheets (Parentheticals) - USD ($)
$ in Thousands
Sep. 30, 2018
Dec. 31, 2017
Statement of Financial Position [Abstract]    
Allowance for loan losses (in dollars) $ 1,189 $ 1,181
Preferred stock, par value (in dollars per share) $ 0.01 $ 0.01
Preferred stock, shares authorized 5,000,000 5,000,000
Preferred stock, shares issued 0 0
Preferred stock, shares outstanding 0 0
Common stock, par value (in dollars per share) $ 0.01 $ 0.01
Common stock, shares authorized 50,000,000 50,000,000
Common stock, shares issued 1,625,708 1,612,808
Common stock, shares outstanding 1,625,708 1,612,808
XML 15 R4.htm IDEA: XBRL DOCUMENT v3.10.0.1
Condensed Consolidated Statements of Operations and Comprehensive Income (Loss) (Unaudited) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2018
Sep. 30, 2017
Sep. 30, 2018
Sep. 30, 2017
Interest and Dividend Income        
Interest earned on loans $ 1,228 $ 1,079 $ 3,487 $ 3,030
Dividends on FHLB stock 12 11 34 29
Other interest-earning deposits 52 60 171 119
Total interest and dividend income 1,292 1,150 3,692 3,178
Interest Expense        
Interest on deposits 202 167 556 494
FHLB advances       1
Total interest expense 202 167 556 495
Net Interest Income 1,090 983 3,136 2,683
Provision for Loan Losses 99 17 99 102
Net Interest Income After Provision for Loan Losses 991 966 3,037 2,581
Noninterest Income        
Net gains on loan sales 430 448 1,195 1,543
Other service charges and fees 51 56 142 149
Income from BOLI 12 12 35 35
Total noninterest income 493 516 1,372 1,727
Noninterest Expense        
Compensation and benefits 837 849 2,575 2,396
Occupancy and equipment, net 62 59 184 170
Data processing 74 72 227 206
Legal and professional services 113 76 266 204
FDIC premium expense 10 10 30 19
Foreclosed real estate impairments and expenses, net 6   6 9
Franchise and other taxes 60 27 160 81
Advertising 38 34 78 101
ATM processing expense 22 21 62 64
Charitable contributions 3 503 8 508
Other expenses 158 134 454 388
Total noninterest expense 1,383 1,785 4,050 4,146
Income (Loss) Before Income Taxes (Benefit) 101 (303) 359 162
Income Taxes        
Provision for Income taxes (benefit) 22 (83) 68 67
Total income taxes (benefit) 22 (83) 68 67
Net Income (Loss) and Comprehensive Income (Loss) $ 79 $ (220) $ 291 $ 95
Earnings per share - basic (in dollars per share) $ 0.05   $ 0.19  
Earnings per share - diluted (in dollars per share) $ 0.05   $ 0.19  
Weighted-average shares outstanding - basic (in shares) 1,494,487   1,492,906  
Weighted-average shares outstanding - diluted (in shares) 1,494,487   1,492,906  
XML 16 R5.htm IDEA: XBRL DOCUMENT v3.10.0.1
Condensed Consolidated Statements of Shareholders' Equity (Unaudited) - USD ($)
$ in Thousands
Common Stock
Additional Paid-In Capital
Retained Earnings
Unearned ESOP Shares
Total
Balance at Dec. 31, 2016     $ 13,477   $ 13,477
Increase (Decrease) in Stockholders' Equity [Roll Forward]          
Net income     95   95
Proceeds from issuance of 1,612,808 shares of common stock $ 16 $ 14,689   $ (1,290) 13,415
ESOP shares earned   19   32 51
Balance at Sep. 30, 2017 16 14,708 13,572 (1,258) 27,038
Balance at Dec. 31, 2017 16 14,730 13,817 (1,226) 27,337
Increase (Decrease) in Stockholders' Equity [Roll Forward]          
Net income     291   291
ESOP shares earned   29   49 78
Stock based compensation expense   6     6
Balance at Sep. 30, 2018 $ 16 $ 14,765 $ 14,108 $ (1,177) $ 27,712
XML 17 R6.htm IDEA: XBRL DOCUMENT v3.10.0.1
Condensed Consolidated Statements of Shareholders' Equity (Parentheticals) (Unaudited) - shares
1 Months Ended 9 Months Ended
Jul. 20, 2017
Sep. 30, 2017
Statement of Stockholders' Equity [Abstract]    
Number of common shares issued 1,612,808 1,612,808
XML 18 R7.htm IDEA: XBRL DOCUMENT v3.10.0.1
Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
9 Months Ended
Sep. 30, 2018
Sep. 30, 2017
Operating Activities    
Net income $ 291 $ 95
Items not requiring (providing) cash:    
Depreciation and amortization 191 166
Proceeds on sale of loans in the secondary market 42,740 51,819
Loans originated for sale in the secondary market (40,437) (53,931)
Gain on sale of loans (1,195) (1,543)
ESOP compensation expense 78 51
Stock based compensation expense 6  
Provision for loan losses 99 102
Loss on sale of foreclosed real estate 1 3
Deferred federal tax liability   (84)
Increase in cash surrender value of BOLI (35) (35)
Impairment on foreclosed real estate   3
Changes in:    
FHLB lender risk account receivable (110) (409)
Accrued interest receivable and interest payable (67) (24)
Other assets and prepaid federal income taxes 3 (62)
Accrued supplemental retirement plans 166 158
Accrued expenses and other liabilities 195 351
Net cash flows provided by (used in) operating activities 1,926 (3,340)
Investing Activities    
Net decrease (increase) in interest-bearing time deposits in other banks 846 (3,239)
Net increase in loans (14,649) (13,209)
Purchase of FHLB stock (18) (8)
Purchase of premises and equipment (53) (173)
Proceeds from sale of foreclosed real estate 45 49
Net cash used in investing activities (13,829) (16,580)
Financing Activities    
Net increase (decrease) in deposits 6,254 (197)
Repayment of FHLB advances (9) (15)
Proceeds form issuance of common stock   13,415
Net decrease in advances from borrowers for taxes and insurance (244) (163)
Net cash provided by financing activities 6,001 13,040
Decrease in Cash and Cash Equivalents (5,902) (6,880)
Cash and Cash Equivalents, Beginning of Period 15,350 19,589
Cash and Cash Equivalents, End of Period 9,448 12,709
Supplemental Cash Flows Information:    
Interest paid 556 495
Income taxes paid 45 $ 90
Transfers to foreclosed assets held for sale $ 263  
XML 19 R8.htm IDEA: XBRL DOCUMENT v3.10.0.1
Nature of Operations and Summary of Significant Accounting Policies
9 Months Ended
Sep. 30, 2018
Accounting Policies [Abstract]  
Nature of Operations and Summary of Significant Accounting Policies
Note 1: Nature of Operations and Summary of Significant Accounting Policies

 

General

 

Eagle Financial Bancorp, Inc. (the “Company”), a Maryland corporation and registered savings and loan holding company, was formed on February 21, 2017 to become the savings and loan holding company for Eagle Savings Bank (the “Bank”). The Bank, an Ohio chartered savings and loan association, completed its mutual-to-stock conversion on July 20, 2017. In connection with the Bank’s conversion, the Company acquired 100% ownership of the Bank and the Company offered and sold 1,572,808 shares of its common stock at $10.0 per share, for gross offering proceeds of $15,728. The cost of the conversion and issuance of common stock was approximately $1,423, which was deducted from the gross offering proceeds. The Company also contributed 40,000 shares of its common stock and $100,000 of cash to Eagle Savings Bank Charitable Foundation (the “Foundation”), a charitable foundation formed in connection with the Bank’s conversion. The Bank’s employee stock ownership plan (“ESOP”) purchased 129,024 shares of the common stock sold by the Company, which was 8% of the 1,612,808 shares of common stock issued by the Company, including the shares contributed to the Foundation. The ESOP purchased the shares using a loan from the Company. The Company contributed $7,153 of the net proceeds from the offering to the Bank, loaned $1,290 of the net proceeds to the ESOP, contributed $100 to the Foundation and retained approximately $5,763 of the net proceeds.

 

Following the Bank’s conversion, voting rights are held and exercised exclusively by the shareholders of the holding company. Deposit account holders continue to be insured by the FDIC. A liquidation account was established in an amount equal to the Bank’s total equity as of the latest balance sheet date in the final offering circular used in the conversion. Each eligible account holder or supplemental account holder are entitled to a proportionate share of this account in the event of a complete liquidation of the Bank, and only in such event. This share will be reduced if the eligible account holder’s or supplemental account holder’s deposit balance falls below the amounts on the date of record and will cease to exist if the account is closed. The liquidation account will never be increased despite any increase after conversion in the related deposit balance.

 

The Bank may not pay a dividend on its capital stock, if the effect thereof would cause retained earnings to be reduced below the liquidation account amount or regulatory capital requirements. In addition, the stock holding company will be subject to certain regulations related to the repurchase of its capital stock. For additional information regarding restrictions on dividends and stock repurchases that may be paid by the Company, see the Company’s annual report on Form 10-K (the “Form 10-K”) for the year ended December 31, 2017, filed with the SEC on March 23, 2018.

 

The Conversion was accounted for as a change in corporate form with the historic basis of the Bank’s assets, liabilities and equity unchanged as a result.

 

Basis of Presentation and Consolidation

 

The condensed consolidated financial statements as of September 30, 2018 and for the three and nine months ended September 30, 2018, include Eagle Financial Bancorp, Inc. and the Bank, its wholly owned subsidiary. Intercompany transactions and balances have been eliminated in consolidation.

  

The accompanying condensed balance sheet of the Company as of December 31, 2017, which has been derived from audited financial statements, and unaudited condensed financial statements of the Company as of September 30, 2018 and for the three and nine months ended September 30, 2018 and 2017, were prepared in accordance with instructions for Form 10-Q and Rule 10-01 of Regulation S-X and, therefore, do not include information or footnotes necessary for a complete presentation of financial position, results of operations and cash flows in accounting principles generally accepted in the United States of America. Accordingly, these condensed financial statements should be read in conjunction with the financial statements and notes thereto of the Company for the year ended December 31, 2017 included in the Registrant’s Form 10-K. Reference is made to the accounting policies of the Company described in the Notes to Financial Statements contained in the Form 10-K.

 

In the opinion of management, all adjustments (consisting only of normal recurring adjustments) which are necessary for a fair presentation of the unaudited condensed financial statements have been included to present fairly the financial position as of September 30, 2018 and the results of operations and cash flows for the three and nine months ended September 30, 2018 and 2017. All interim amounts have not been audited and the results of operations for the three and nine months ended September 30, 2018, herein are not necessarily indicative of the results of operations to be expected for the entire year.

 

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, FHLB lender risk account receivable, valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, and fair values of financial instruments.

XML 20 R9.htm IDEA: XBRL DOCUMENT v3.10.0.1
Earnings Per Common Share
9 Months Ended
Sep. 30, 2018
Earnings Per Share [Abstract]  
Earnings Per Common Share
Note 2: Earnings Per Common Share

 

Basic earnings per common share (“EPS”) excludes dilution and is calculated by dividing net income applicable to common stock by the weighted-average number of shares of common shares outstanding during the period. Diluted EPS is computed in a manner similar to that of basic EPS except that the weighted-average number of common shares outstanding is increased to include the number of incremental common shares that would have been outstanding if all potentially dilutive common stock equivalents were issued during the period. Unallocated common shares held by the Company’s Employee Stock Ownership Plan (“the ESOP”) are shown as a reduction in stockholder’s equity and are excluded from weighted-average common shares outstanding for both basic and diluted EPS calculations until they are committed to be released. The computation of earnings per share for the three and nine months ended September 30, 2017 is not presented as the Company did not complete its initial public offering until July 20, 2017.

  

The computations for the three and nine month periods ended September 30, 2018 are as follows:

 

    Three months ended September 30,     Nine months ended September 30,  
    2018     2018  
             
Net Income   $ 79,073     $ 290,850  
Less allocation of earnings to participating securities     96       118  
Net income allocated to common shareholders   $ 78,977     $ 290,732  
                 
Shares Outstanding for basic earnings per common share:                
                 
Weighted Average shares outstanding:     1,612,808       1,612,808  
Less: Average Unearned ESOP shares:     118,321       119,902  
Weighted average number of shares outstanding used in the calculation of basic earnings per common share     1,494,487       1,492,906  
                 
Basic earnings per common share:   $ 0.05     $ 0.19  
                 
Effect of dilutive securities:                
Stock Options     -       -  
Weighted average number of shares outstanding used in the calculation of dilutive earnings per common share     1,494,487       1,492,906  
Diluted earnings per common share:   $ 0.05     $ 0.19  
XML 21 R10.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and Allowance for Loan Losses
9 Months Ended
Sep. 30, 2018
Receivables [Abstract]  
Loans and Allowance for Loan Losses
Note 3: Loans and Allowance for Loan Losses

 

The composition of the loan portfolio at September 30, 2018 and December 31, 2017 was as follows: 

 

    September 30,     December 31,  
    2018     2017  
       
Residential mortgage loans   $ 64,690     $ 53,682  
Commercial real estate and land loans     16,027       13,739  
Home equity and other consumer     13,259       12,570  
Residential construction loans     10,060       10,362  
Residential mortgage loans, non-owner occupied     6,304       7,082  
Multi-family real estate loans     1,203       2,084  
Commercial loans     5,851       5,536  
      117,394       105,055  
                 
Net deferred loan costs     31       66  
Loans in process     (5,457 )     (7,411 )
Allowance for loan losses     (1,189 )     (1,181 )
                 
Net loans   $ 110,779     $ 96,529  

 

Loans serviced for the benefit of others at September 30, 2018 and December 31, 2017 amounted to $1,871 and $2,166, respectively.

 

Loans in process relates to primarily residential mortgage loans.

 

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

 

Residential Mortgage Loans, including Construction Loans and Land Loans: The residential 1-4 family real estate loans and construction loans are generally secured by owner-occupied 1-4 family residences. 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. Land loans are secured primarily by unimproved land for future residential use. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers.

 

Residential Mortgage Loans, Non-Owner Occupied: One-to-four family, non-owner occupied loans carry greater inherent risks than one-to-four family, owner occupied loans, since the repayment ability of the borrower is generally reliant on the success of the income generated from the property.

 

Commercial Real Estate and Multi-Family Real Estate: 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. Multi-family real estate loans are generally secured by apartment complexes. These loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Credit risk in these loans may be impacted by the creditworthiness of a borrower, property values and the local economies in the Bank’s market areas.

 

Commercial: The commercial 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.

 

Home equity and Other Consumer: The consumer loan portfolio consists of home equity loans and term and line of credit loans such as automobile loans and loans for other personal purposes. Repayment of the home equity 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. Repayment for term and line of credit loans will come from a borrower’s income sources that are typically independent of the loan purpose. Credit risk is driven by consumer economic factors (such as unemployment and general economic conditions in the Bank’s market area) and the creditworthiness of a borrower.

  

The following tables present the activity in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method for the three and nine months ended September 30, 2018 and 2017 and year ended December 31, 2017:

 

Nine Months Ended September 30, 
2018 (Unaudited)
  Residential 
Mortgage 
Loans
    Commercial 
Real Estate 
and Land 
Loans
    Home 
Equity and 
Other 
Consumer
    Residential 
Construction 
Loans
    Residential 
Mortgage 
Loans Non-
Owner 
Occupied
    Multi-
Family Real 
Estate 
Loans
    Commercial 
Loans
    Total  
Allowance for loan losses:                                                                
Balance, beginning of year   $ 283     $ 199     $ 276     $ 116     $ 122     $ 25     $ 160     $ 1,181  
Provision charged to expense     148       118       30       (6 )     (44 )     (11 )     (136 )     99  
Losses charged off     (35 )     (68 )     -       -       -       -       -       (103 )
Recoveries     11       -       -       -       1       -       -       12  
                                                                 
Balance, end of period   $ 407     $ 249     $ 306     $ 110     $ 79     $ 14     $ 24     $ 1,189  
                                                                 
Ending balance:  individually  evaluated for impairment   $ 4     $ -     $ -     $ -     $ -     $ -     $ -     $ 4  
                                                                 
Ending balance:  collectively  evaluated for impairment   $ 403     $ 249     $ 306     $ 110     $ 79     $ 14     $ 24     $ 1,185  
                                                                 
Loans:                                                                
Ending balance   $ 64,690     $ 16,027     $ 13,259     $ 10,060     $ 6,304     $ 1,203     $ 5,851     $ 117,394  
                                                                 
Ending balance:  individually  evaluated for impairment   $ 75     $ -     $ 11     $ -     $ 191     $ -     $ -     $ 277  
                                                                 
Ending balance:  collectively  evaluated for impairment   $ 64,615     $ 16,027     $ 13,248     $ 10,060     $ 6,113     $ 1,203     $ 5,851     $ 117,117  

 

Three Months Ended September 
30, 2018 (Unaudited)
  Residential 
Mortgage 
Loans
    Commercial 
Real Estate 
and Land 
Loans
    Home 
Equity and 
Other 
Consumer
    Residential 
Construction 
Loans
    Residential 
Mortgage 
Loans Non-
Owner 
Occupied
    Multi-
Family Real 
Estate 
Loans
    Commercial 
Loans
    Total  
Allowance for loan losses:                                                                
Balance, beginning of period   $ 422     $ 205     $ 304     $ 117     $ 85     $ 14     $ 20     $ 1,167  
Provision charged to expense     (6 )     112       2       (7 )     (6 )     -       4       99  
Losses charged off     (13 )     (68 )     -       -       -       -       -       (81 )
Recoveries     4       -       -       -       -       -       -       4  
                                                                 
Balance, end of period   $ 407     $ 249     $ 306     $ 110     $ 79     $ 14     $ 24     $ 1,189  

 

Nine Months Ended September 30, 
2017 (Unaudited)
  Residential 
Mortgage 
Loans
    Commercial 
Real Estate 
and Land 
Loans
    Home 
Equity and 
Other 
Consumer
    Residential 
Construction 
Loans
    Residential 
Mortgage 
Loans Non-
Owner 
Occupied
    Multi-
Family Real 
Estate 
Loans
    Commercial 
Loans
    Total  
Allowance for loan losses:                                                                
Balance, beginning of year   $ 166     $ 164     $ 341     $ 88     $ 175     $ 30     $ 173     $ 1,137  
Provision charged to expense     46       108       (54 )     (3 )     28       (2 )     (21 )     102  
Losses charged off     (10 )     (73 )     -       -       -       -       -       (83 )
Recoveries     1       -       -       -       -       -       10       11  
                                                                 
Balance, end of period   $ 203     $ 199     $ 287     $ 85     $ 203     $ 28     $ 162     $ 1,167  

 

Three Months Ended September 30, 
2017 (Unaudited)
  Residential 
Mortgage 
Loans
    Commercial 
Real Estate 
and Land 
Loans
    Home 
Equity and 
Other 
Consumer
    Residential 
Construction 
Loans
    Residential 
Mortgage 
Loans Non-
Owner 
Occupied
    Multi-
Family Real 
Estate 
Loans
    Commercial 
Loans
    Total  
Allowance for loan losses:                                                                
Balance, beginning of period   $ 197     $ 229     $ 316     $ 91     $ 220     $ 23     $ 153     $ 1,229  
Provision charged to expense     15       43       (29 )     (6 )     (17 )     5       6       17  
Losses charged off     (10 )     (73 )     -       -       -       -       -       (83 )
Recoveries     1       -       -       -       -       -       3       4  
                                                                 
Balance, end of period   $ 203     $ 199     $ 287     $ 85     $ 203     $ 28     $ 162     $ 1,167  

 

Year Ended December 31, 2017   Residential 
Mortgage 
Loans
    Commercial 
Real Estate 
and Land 
Loans
    Home 
Equity and 
Other 
Consumer
    Residential 
Construction 
Loans
    Residential 
Mortgage 
Loans Non-
Owner 
Occupied
    Multi-
Family Real 
Estate 
Loans
    Commercial 
Loans
    Total  
Allowance for loan losses:                                                                
Balance, beginning of year   $ 166     $ 164     $ 341     $ 88     $ 175     $ 30     $ 173     $ 1,137  
Provision charged to expense     112       108       (65 )     28       (44 )     (5 )     (32 )     102  
Losses charged off     -       (73 )     -       -       (9 )     -       -       (82 )
Recoveries     5       -       -       -       -       -       19       24  
                                                                 
Balance, end of year   $ 283     $ 199     $ 276     $ 116     $ 122     $ 25     $ 160     $ 1,181  
                                                                 
Ending balance:  individually  evaluated for impairment   $ 22     $ 10     $ -     $ -     $ 32     $ -     $ 138     $ 202  
                                                                 
Ending balance:  collectively evaluated for impairment   $ 261     $ 189     $ 276     $ 116     $ 90     $ 25     $ 22     $ 979  
                                                                 
Loans:                                                                
Ending balance   $ 53,682     $ 13,739     $ 12,570     $ 10,362     $ 7,082     $ 2,084     $ 5,536     $ 105,055  
                                                                 
Ending balance:  individually  evaluated for impairment   $ 142     $ 157     $ -     $ -     $ 196     $ -     $ 300     $ 795  
                                                                 
Ending balance:  collectively evaluated for impairment   $ 53,540     $ 13,582     $ 12,570     $ 10,362     $ 6,886     $ 2,084     $ 5,236     $ 104,260  

  

Internal Risk Categories

 

Loan grades are numbered 1 through 8. Grades 5 through 8 are considered satisfactory grades. The grade of 1, or Special Mention, represents loans of lower quality and is considered criticized. The grades of 2, or Substandard, 3, or Doubtful, and 4, or Loss refer to assets that are classified. The use and application of these grades by the Bank will be uniform and shall conform to the Bank’s policy.

 

Special Mention (grade 1) assets have potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the institution’s credit position at some future date. Special mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. Ordinarily, special mention credits have characteristics which corrective management action would remedy.

 

Substandard (grade 2) loans are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.

 

Doubtful (grade 3) loans classified as doubtful have all the weaknesses inherent in those classified Substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of current known facts, conditions and values, highly questionable and improbable.

 

Loss (grade 4) loans classified as loss are considered uncollectible and of such little value that their continuance as assets is not warranted. This classification does not mean that the loan has absolutely no recovery or salvage value but rather it is not practical or desirable to defer writing off even though partial recovery may be affected in the future.

 

Satisfactory (grades 5 through 8) represent loans for which quality is considered to be satisfactory.

 

The following tables present the credit risk profile of the Bank’s loan portfolio based on rating category and payment activity as of September 30, 2018 and December 31, 2017:

 

September 30, 2018 (Unaudited)   Residential 
Mortgage Loans
    Commercial 
Real Estate and 
Land Loans
    Home 
Equity and 
Other 
Consumer
    Residential 
Construction 
Loans
    Residential 
Mortgage Loans 
Non-Owner 
Occupied
    Multi-Family 
Real Estate 
Loans
    Commercial 
Loans
    Total  
Rating                                                                
Satisfactory (5-8)   $ 63,478     $ 15,668     $ 13,006     $ 10,060     $ 6,275     $ 1,203     $ 5,580     $ 115,270  
Special mention (1)     -       -       -       -       -       -       125       125  
Substandard (2)     1,212       359       253       -       29       -       146       1,999  
Doubtful (3)     -       -       -       -       -       -       -       -  
Loss (4)     -       -       -       -       -       -       -       -  
                                                                 
Total   $ 64,690     $ 16,027     $ 13,259     $ 10,060     $ 6,304     $ 1,203     $ 5,851     $ 117,394  

 

December 31, 2017   Residential 
Mortgage 
Loans
    Commercial 
Real Estate and 
Land Loans
    Home 
Equity and 
Other 
Consumer
    Residential 
Construction 
Loans
    Residential 
Mortgage Loans 
Non-Owner 
Occupied
    Multi-Family 
Real Estate 
Loans
    Commercial 
Loans
    Total  
Rating                                                                
Satisfactory (5-8)   $ 52,948     $ 13,212     $ 12,411     $ 10,362     $ 6,508     $ 2,084     $ 5,039     $ 102,564  
Special mention (1)     -       -       -       -       -       -       -       -  
Substandard (2)     734       527       159       -       574       -       497       2,491  
Doubtful (3)     -       -       -       -       -       -       -       -  
Loss (4)     -       -       -       -       -       -       -       -  
                                                                 
Total   $ 53,682     $ 13,739     $ 12,570     $ 10,362     $ 7,082     $ 2,084     $ 5,536     $ 105,055  

 

The Company evaluates the loan risk grading system definitions and allowance for loan losses methodology on an ongoing basis. No significant changes were made to either during the three and nine months ended September 30, 2018.

  

The following tables present the Bank’s loan portfolio aging analysis of the recorded investment in loans as of September 30, 2018 and December 31, 2017:

 

September 30, 2018 (Unaudited)   30-59 Days 
Past Due
    60-89 Days 
Past Due
    90 Days 
Past Due or 
More
    Total  
Past 
Due
    Current     Total 
Loans 
Receivable
    Recorded 
Investment 90 
Days and 
Accruing
 
Residential mortgage loans   $ 497     $ -     $ 558     $ 1,055     $ 63,635     $ 64,690     $ -  
Commercial real estate and land loans     -       -       -       -       16,027       16,027       -  
Home equity and other consumer     -       -       39       39       13,220       13,259       -  
Residential construction loans     -       -       -       -       10,060       10,060       -  
Residential mortgage loans, non-owner occupied     -       -       -       -       6,304       6,304       -  
Multi-family real estate loans     -       -       -       -       1,203       1,203       -  
Commercial loans     -       -       -       -       5,851       5,851       -  
                                                         
Total   $ 497     $ -     $ 597     $ 1,094     $ 116,300     $ 117,394     $ -  

 

December 31, 2017   30-59 Days 
Past Due
    60-89 Days 
Past Due
    90 Days 
Past Due or 
More
    Total  
Past 
Due
    Current     Total 
Loans 
Receivable
    Recorded 
Investment 90 
Days and 
Accruing
 
Residential mortgage loans   $ 173     $ -     $ 634     $ 807     $ 52,875     $ 53,682     $ -  
Commercial real estate and land loans     -       -       157       157       13,582       13,739       -  
Home equity and other consumer     39       -       -       39       12,531       12,570       -  
Residential construction loans     -       -       -       -       10,362       10,362       -  
Residential mortgage loans, non-owner occupied     -       -       -       -       7,082       7,082       -  
Multi-family real estate loans     -       -       -       -       2,084       2,084       -  
Commercial loans     -       -       -       -       5,536       5,536       -  
                                                         
Total   $ 212     $ -     $ 791     $ 1,003     $ 104,052     $ 105,055     $ -  

 

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.

  

The following tables present impaired loans at September 30, 2018, September 30, 2017 and as of December 31, 2017:

 

                      For the Three Months 
Ended
    For the Nine Months 
Ended
 
    As of September 30, 2018           September 30, 2018     September 30, 2018  
                      Average           Average        
          Unpaid           Investment     Interest     Investment     Interest  
    Recorded     Principal     Allocated     in Impaired     Income     in Impaired     Income  
    Balance     Balance     Allowance     Loans     Recognized     Loans     Recognized  
Loans without an allocated allowance:                                                        
Residential mortgage loans   $ -     $ -     $ -     $ -     $ -     $ -     $ -  
Commercial real estate and land loans     -       -       -       113       -       144       -  
Home equity and other consumer     11       11       -       11       -       11       -  
Residential construction loans     -       -       -       -       -       -       -  
Residential mortgage loans, non-owner occupied     191       191       -       192       3       193       8  
Multi-family real estate loans     -       -       -       -       -       -       -  
Commercial loans     -       -       -       -       -       -       -  
Loans with an allocated allowance:                                                        
Residential mortgage loans     75       75       4       75       1       112       3  
Commercial real estate and land loans     -       -       -       -       -       -       -  
Home equity and other consumer     -       -       -       -       -       -       -  
Residential construction loans     -       -       -       -       -       -       -  
Residential mortgage loans, non-owner occupied     -       -       -       -       -       -       -  
Multi-family real estate loans     -       -       -       -       -       -       -  
Commercial loans     -       -       -       -       -       166       9  
                                                         
Total   $ 277     $ 277     $ 4     $ 391     $ 4     $ 626     $ 20  

 

                      For the Three Months 
Ended
    For the Nine Months 
Ended
 
    As of September 30, 2017           September 30, 2017     September 30, 2017  
                      Average           Average        
          Unpaid           Investment     Interest     Investment     Interest  
    Recorded     Principal     Allocated     in Impaired     Income     in Impaired     Income  
    Balance     Balance     Allowance     Loans     Recognized     Loans     Recognized  
Loans without an allocated allowance:                                                        
Residential mortgage loans   $ -     $ -     $ -     $ -     $ -     $ -     $ -  
Commercial real estate and land loans     148       148       -       180       -       214       1  
Home equity and other consumer     -       -       -       -       -       -       -  
Residential construction loans     -       -       -       -       -       -       -  
Residential mortgage loans, non-owner occupied     60       60       -       65       1       93       3  
Multi-family real estate loans     -       -       -       -       -       -       -  
Commercial loans     -       -       -       -       -       -       -  
Loans with an allocated allowance:                                                        
Residential mortgage loans     142       142       22       143       1       144       5  
Commercial real estate and land loans     -       -       -       -       -       -       -  
Home equity and other consumer     -       -       -       -       -       -       -  
Residential construction loans     -       -       -       -       -       -       -  
Residential mortgage loans, non-owner occupied     198       198       34       199       2       200       7  
Multi-family real estate loans     -       -       -       -       -       -       -  
Commercial loans     301       301       139       301       4       315       13  
                                                         
Total   $ 849     $ 849     $ 195     $ 888     $ 8     $ 966     $ 29  

  

    As of December 31, 2017  
                      Average        
          Unpaid           Investment     Interest  
    Recorded     Principal     Allocated     in Impaired     Income  
    Balance     Balance     Allowance     Loans     Recognized  
Loans without an allocated allowance:                                        
Residential mortgage loans   $ -     $ -     $ -     $ -     $ -  
Commercial real estate and land loans     -       -       -       -       -  
Home equity and other consumer     -       -       -       -       -  
Residential construction loans     -       -       -       -       -  
Residential mortgage loans, non-owner occupied     -       -       -       -       -  
Multi-family real estate loans     -       -       -       -       -  
Commercial loans     -       -       -       -       -  
Loans with an allocated allowance:                                        
Residential mortgage loans     142       142       22       143       7  
Commercial real estate and land loans     157       157       10       192       1  
Home equity and other consumer     -       -       -       -       -  
Residential construction loans     -       -       -       -       -  
Residential mortgage loans, non-owner occupied     196       196       32       199       13  
Multi-family real estate loans     -       -       -       -       3  
Commercial loans     300       300       138       313       17  
                                         
Total   $ 795     $ 795     $ 202     $ 847     $ 41  

 

Interest income recognized is not materially different than interest income that would have been recognized on a cash basis.

 

The following table presents the Bank’s nonaccrual loans at September 30, 2018 and December 31, 2017. This table excludes performing troubled debt restructurings.

 

    September 30,     December 31,  
    2018     2017  
Residential mortgage loans   $ 558     $ 634  
Commercial real estate and land loans     -       157  
Home equity and other consumer     39       -  
Residential construction loans     -       -  
Residential mortgage loans, non-owner occupied     -       -  
Multi-family real estate loans     -       -  
Commercial loans     -       -  
                 
Total   $ 597     $ 791  

 

Following is a summary of troubled debt restructurings at September 30, 2018 and December 31, 2017:

 

    As of September 30, 2018     As of December 31, 2017  
    Number of 
Contracts
    Recorded 
Investment
    Number of 
Contracts
    Recorded 
Investment
 
Residential mortgage loans     1     $ 75       1     $ 77  
Commercial real estate and land loans     -       -       -       -  
Home equity and other consumer     1       11       -       -  
Residential construction loans     -       -       -       -  
Residential mortgage loans, non-owner occupied     4       191       4       196  
Multi-family real estate loans     -       -       -       -  
Commercial loans     -       -       1       300  
      6     $ 277       6     $ 573  

 

As of September 30, 2018, the Bank had total troubled debt restructurings of $277.  There were five residential mortgage loans and residential non-owner occupied loans totaling $266 in troubled debt restructurings with the largest totaling $75.  The remaining $11 in troubled debt restructurings consisted of one home equity loan.  As of December 31, 2017, the Bank had total troubled debt restructurings of $573.  There were five residential mortgage loans and residential non-owner occupied loans totaling $273 in troubled debt restructurings with the largest totaling $195.  The remaining $300 in troubled debt restructurings consisted of one commercial loan. These loans were modified due to short term concessions. Eagle Savings Bank has no commitments to lend additional funds to the debtors owing receivables whose terms have been modified in troubled debt restructurings. During the three months and nine months ended September, 30, 2018 the Bank added one troubled debt restructuring totaling $11.

 

At September 30, 2018, the Bank had one residential owner-occupied piece of foreclosed real estate totaling $90 and one commercial piece of foreclosed real estate totaling $127. At December 31, 2017, the Bank had no foreclosed real estate.

XML 22 R11.htm IDEA: XBRL DOCUMENT v3.10.0.1
Employee Stock Ownership Plan ("ESOP")
9 Months Ended
Sep. 30, 2018
Employee Stock Ownership Plan [Abstract]  
Employee Stock Ownership Plan ("ESOP")
Note 4: Employee Stock Ownership Plan (“ESOP”)

 

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. The ESOP borrowed funds from the Company in an amount sufficient to purchase 129,024 shares (approximately 8.0% of the common stock issued in connection with the conversion). 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, and then the remainder will be applied to principal. The loan is expected to be repaid over a period of up to 20 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 ESOP at the rate of 20 percent per year after two years of service. Vesting is accelerated upon retirement, death or disability of the participant, or a change in control of the Company. Forfeitures will be reallocated to remaining participants. Benefits may be payable upon retirement, death, disability, separation of 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 the 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 was $26 and $78 for the three and nine months ended September 30, 2018, respectively.

 

A summary of the ESOP shares as of September 30, 2018 and December 31, 2017 are as follows:

 

    September 30, 2018     December 31, 2017  
Shares allocated to participants     4,838       6,451  
Shares released to participants     6,451       -  
Unreleased shares     117,735       122,573  
Total     129,024       129,024  
                 
Fair Value of Unreleased Shares   $ 1,871,998     $ 1,982,005  
XML 23 R12.htm IDEA: XBRL DOCUMENT v3.10.0.1
Regulatory Matters
9 Months Ended
Sep. 30, 2018
Banking and Thrift [Abstract]  
Regulatory Matters
Note 5: 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 Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities and certain off-balance-sheet items as calculated under United States Generally Accepted Accounting Principles, 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 Bank’s regulators could require adjustments to regulatory capital not reflected in these financial statements.

 

Quantitative measures established by regulatory reporting standards, to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below) of Total capital (as defined), Tier I capital (as defined) and common equity Tier 1capital (as defined) to risk-weighted assets (as defined) and Tier I capital (as defined) to average assets (as defined). Management believes, as of September 30, 2018 and December 31, 2017 that the Bank meets all capital adequacy requirements to which it is subject.

 

As of September 30, 2018 and December 31, 2017 the most recent notification from the Bank’s regulators 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 capital, Tier I risk-based capital, common equity Tier 1 risk-based capital and Tier I leverage ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the Bank’s category.

 

In addition to the minimum capital ratios, the Bank must maintain a capital conservation buffer of common equity Tier 1 capital in an amount greater than 2.5% of total risk-weighted assets to avoid being subject to limitations on capital distributions and discretionary bonuses. The capital conservation buffer has been phased in over multiple years. The initial phase-in began at 0.625% on January 1, 2015, the current capital conservation buffer is 1.875%, and the buffer will be fully phased in at 2.5% on January 2019.

 

As a result of the recently enacted Economic Growth, Regulatory Relief, and Consumer Protection Act (the “Act”), banking regulatory agencies must adopt a revised definition of “well capitalized” for financial institutions and holding companies with assets of less than $10 billion and that are not determined to be ineligible by their primary federal regulator due to their risk profile (a “qualifying community bank”). The new definition will expand the ways that a qualifying community bank may meet its capital requirements and be deemed “well qualified.” The new rule will establish a “community bank leverage ratio” equal to the tangible equity capital divided by the average total consolidated assets. A qualifying community bank that exceeds a to-be-determined threshold for this new leverage ratio, which regulators must set at between 8% and 10%, will be considered to be well capitalized and to have met generally applicable leverage capital requirements, generally applicable risk-based capital requirements, and any other capital or leverage requirements to which such financial institution or holding company is subject.

 

In addition, as a result of the Act, the Federal Reserve Board is required to amend its small bank holding company and savings and loan holding company policy statement to provide that holding companies with consolidated assets of less than $3 billion that are (i) not engaged in significant nonbanking activities, (ii) do not conduct significant off-balance sheet activities, and (3) do not have a material amount of SEC-registered debt or equity securities, other than trust preferred securities, that contribute to an organization’s complexity, will no longer be subject to regulatory capital requirements, effective no later than November 2018.

 

The Bank’s actual capital amounts and ratios are presented in the following tables (minimum capital requirements exclude the capital conservation buffer):

 

    Actual     Minimum Capital 
Requirement
    Minimum to Be Well 
Capitalized Under 
Prompt Corrective 
Action Provisions
 
    Amount     Ratio     Amount     Ratio     Amount     Ratio  
As of September 30, 2018:                                                
                                                 
Equity   $ 20,646                                          
Allowance for loan losses     1,189                                          
Total risk-based capital (to risk-weighted  assets)   $ 21,835       16.9 %   $ 10,345       8.0 %   $ 12,931       10.0 %
                                                 
Tier I capital (to risk-weighted  assets)     20,646       16.0 %     7,759       6.0 %     10,345       8.0 %
                                                 
Common equity Tier I capital (to risk-weighted  assets)     20,646       16.0 %     5,819       4.5 %     8,405       6.5 %
                                                 
Tier I capital (to adjusted total  assets)     20,646       15.2 %     5,433       4.0 %     6,791       5.0 %
 
    Actual     Minimum Capital 
Requirement
    Minimum to Be Well 
Capitalized Under 
Prompt Corrective 
Action Provisions
 
    Amount     Ratio     Amount     Ratio     Amount     Ratio  
As of December 31, 2017:                                                
                                                 
Equity   $ 20,197                                          
Allowance for loan losses     1,181                                          
                                                 
Total risk-based capital (to risk-weighted  assets)   $ 21,378       18.0 %   $ 9,498       8.0 %   $ 11,873       10.0 %
                                                 
Tier I capital (to risk-weighted  assets)     20,197       17.0 %     7,124       6.0 %     9,498       8.0 %
                                                 
Common equity Tier I capital (to risk-weighted  assets)     20,197       17.0 %     5,343       4.5 %     7,717       6.5 %
                                                 
Tier I capital (to adjusted total  assets)     20,197       15.6 %     5,187       4.0 %     6,484       5.0 %
XML 24 R13.htm IDEA: XBRL DOCUMENT v3.10.0.1
Disclosure About Fair Values of Assets and Liabilities
9 Months Ended
Sep. 30, 2018
Fair Value Disclosures [Abstract]  
Disclosure About Fair Values of Assets and Liabilities
Note 6: Disclosure About Fair Values of Assets and Liabilities

 

ASC Topic 820, Fair Value Measurements, defines fair value as 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. Topic 820 also specifies a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes 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 that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities

  

Nonrecurring Measurements

 

The following tables present the fair value measurement of assets measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at September 30, 2018 and December 31, 2017:

 

          Fair Value Measurements Using  
    Fair     Quoted Prices in 
Active Markets for 
Identical Assets
    Significant 
Other 
Observable 
Inputs
    Significant 
Unobservable 
Inputs
 
September 30, 2018   Value     (Level 1)     (Level 2)     (Level 3)  
Impaired loans (collateral dependent)   $ 273     $ -     $ -     $ 273  
Foreclosed assets held for sale     217       -       -       217  

 

          Fair Value Measurements Using  
    Fair     Quoted Prices in 
Active Markets for 
Identical Assets
    Significant 
Other 
Observable 
Inputs
    Significant 
Unobservable 
Inputs
 
December 31, 2017   Value     (Level 1)     (Level 2)     (Level 3)  
Impaired loans (collateral dependent)   $ 593     $ -     $ -     $ 593  

 

Fair value adjustments, consisting of charge-offs or allocated allowances, on impaired loans and foreclosed assets held for sale during the nine months ended September 30, 2018 and the year ended December 31, 2017 amounted to $103 and $6, respectively.

 

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 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.

 

Foreclosed Assets Held for Sale

 

Foreclosed assets held for sale is carried at fair value, less estimated cost to sell. Fair value of real estate is based on appraisals or evaluations. Foreclosed assets held for sale is classified within Level 3 of the fair value hierarchy.

  

Appraisals of foreclosed assets held for sale are obtained when the real estate is acquired and subsequently as deemed necessary. Appraisals are reviewed for accuracy and consistency by the lending department. 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 Bank 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. Appraisals are reviewed for accuracy and consistency by the lending department. 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 comparison to historical results.

 

Unobservable (Level 3) Inputs

 

The following tables present quantitative information about unobservable inputs used in nonrecurring Level 3 fair value measurements.

 

    Fair Value at     Valuation        
    9/30/2018     Technique   Unobservable Inputs   Range
Impaired loans (collateral dependent)   $ 273     Market comparable properties   Marketability discount   10% - 15%
                     
Foreclosed assets held for sale     217     Market comparable properties   Marketability discount   10% - 15%

 

    Fair Value at     Valuation        
    12/31/2017     Technique   Unobservable Inputs   Range
Impaired loans (collateral dependent)   $ 593     Market comparable properties   Marketability discount   10% - 15%

 

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

 

Cash and Cash Equivalents and Interest-bearing Time Deposits

 

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.

  

Loans

 

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 Bank 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.

 

FHLB Stock

 

Fair value is estimated at book value due to restrictions that limit the sale or transfer of such securities.

 

FHLB Lender Risk Account Receivable

 

The fair value of the Federal Home Loan Bank lender risk account receivable is estimated by discounting the estimated remaining cash flows of each strata of the receivable at current rates applicable to each strata for the same remaining maturities.

 

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 Bank. The rates were the average of current rates offered by local competitors of the Bank.

 

The estimated fair value of checking, NOW, 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.

 

FHLB 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 FHLB.

 

Advances from Borrowers for Taxes and Insurance

 

The carrying amount approximates fair value.

 

Commitments to Originate Loans, Forward Sale Commitments, Letters of Credit and Lines of Credit

 

The fair value of commitments to originate loans is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair value of commitments to sell securities is estimated based on current market prices for securities of similar terms and credit quality. The fair values of letters of credit and lines of credit are based on fees currently charged for similar agreements or on the estimated cost to terminate or otherwise settle the obligations with the counterparties at the reporting date. At September 30, 2018 and December 31, 2017, the fair value of such commitments was not material.

 

The following tables present estimated fair values of the Bank’s financial instruments at September 30, 2018 and December 31, 2017.

 

          Fair Value Measurements Using  
September 30, 2018   Carrying 
Amount
    Fair 
Value
    (Level 1)     (Level 2)     (Level 3)  
Financial Assets                                        
Cash and cash equivalents   $ 9,448     $ 9,448     $ 9,448     $ -     $ -  
Interest-bearing time deposits     4,233       4,233       4,233       -       -  
Loans held for sale     2,228       2,228       -       -       2,228  
Loans, net of allowance for losses     110,779       111,233       -       -       111,233  
FHLB stock     754       754       -       754       -  
FHLB lender risk account receivable     3,278       3,207       -       -       3,207  
Interest receivable     354       354       -       354       -  
                                         
Financial Liabilities                                        
Deposits     107,372       106,703       61,265       45,438       -  
FHLB advances     -       -       -       -       -  
Advances from borrowers for taxes and insurance     622       622       -       622       -  
Interest payable     1       1       -       1       -  

 

          Fair Value Measurements Using  
December 31, 2017   Carrying 
Amount
    Fair 
Value
    (Level 1)     (Level 2)     (Level 3)  
Financial Assets                                        
Cash and cash equivalents   $ 15,350     $ 15,350     $ 15,350     $ -     $ -  
Interest-bearing time deposits     5,079       5,079       5,079       -       -  
Loans held for sale     3,336       3,336       -       -       3,336  
Loans, net of allowance for losses     96,529       98,470       -       -       98,470  
FHLB stock     736       736       -       736       -  
FHLB lender risk account receivable     3,168       3,174       -       -       3,174  
Interest receivable     287       287       -       287       -  
                                         
Financial Liabilities                                        
Deposits     101,118       100,728       59,415       41,313       -  
FHLB advances     9       9       -       9       -  
Advances from borrowers for taxes  and insurance     866       866       -       866       -  
Interest payable     1       1       -       1       -  
XML 25 R14.htm IDEA: XBRL DOCUMENT v3.10.0.1
Commitments and Credit Risk
9 Months Ended
Sep. 30, 2018
Commitments and Contingencies Disclosure [Abstract]  
Commitments and Credit Risk
Note 7: Commitments and Credit Risk

 

Commitments to Originate Loans

 

Commitments to originate loans are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since a portion of the commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Each customer’s creditworthiness is evaluated on a case-by-case basis. The amount of collateral obtained, if deemed necessary, is based on management’s credit evaluation of the counterparty. Collateral held varies, but may include accounts receivable, inventory, property, plant and equipment, commercial real estate and residential real estate.

 

At September 30, 2018, the Bank had one 30 year fixed rate loan with an interest rate of 4.625% for $106 and two HELOCs with interest rates at 6.25% totaling $532 approved but not yet originated. At December 31, 2017, the Bank had loans approved but not yet originated of $810. There was a 30 year fixed rate one-to four-family residential real estate loan with a fixed interest rate of 3.875% for $202 and a 5/1 adjustable rate one-to four-family residential real estate construction loan with a rate of 3.25% for $608. At September 30, 2018, the Bank had undisbursed loans in process of $5,457 with fixed interest rates of 4.375% to 5.73% and adjustable rates ranging from 3.125% to 4.50%. At December 31, 2017 the Bank had undisbursed loans in process of $7,411 with fixed interest rates ranging from 4.375% to 4.625% and adjustable interest rates ranging from 3.125% to 3.500%.

 

Lines of Credit

 

Lines of credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Lines of credit generally have fixed expiration dates. Since a portion of the line may expire without being drawn upon, the total unused lines do not necessarily represent future cash requirements. Each customer’s creditworthiness is evaluated on a case-by-case basis. The amount of collateral obtained, if deemed necessary, is based on management’s credit evaluation of the counterparty. Collateral held varies but may include accounts receivable, inventory, property, plant and equipment, commercial real estate and residential real estate. Management uses the same credit policies in granting lines of credit as it does for on-balance-sheet instruments.

 

Lines of credit at September 30, 2018 and December 31, 2017 were as follows:

 

    September 30, 2018     December 31, 2017  
Unused lines of credit   $ 4,322     $ 3,509  
Unused home equity lines     12,240       11,305  
                 
Total commitments   $ 16,562     $ 14,814  
XML 26 R15.htm IDEA: XBRL DOCUMENT v3.10.0.1
Equity Incentive Plan
9 Months Ended
Sep. 30, 2018
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]  
Equity Incentive Plan
Note 8: Equity Incentive Plan

 

In September 2018, the Company’s stockholders approved the Eagle Financial Bancorp, Inc. 2018 Equity Incentive Plan (the “2018 Plan”). The 2018 Plan authorizes the issuance or delivery to participants of up to 225,792 shares of the Company’s common stock pursuant to the grants of restricted stock awards, incentive stock options, and non-qualified stock options. Of this number, the maximum number of shares of Company common stock that may be issued under the 2018 Plan pursuant to the exercise of stock options is 161,280 shares and the maximum number of shares of Company common stock that may be issued as restricted stock awards is 64,512 shares. Stock options awarded to employees may be incentive stock options or non-qualified stock options. Shares awarded under the 2018 Plan may be authorized but unissued shares or treasury shares. The 2018 Plan contains annual and lifetime limits on certain types of awards to individual participants.

 

Awards may vest or become exercisable only upon the achievement of performance measures or based solely on the passage of time after award. Stock options and restricted stock awards provide for accelerated vesting if there is a change in control (as defined in the 2018 Plan).

 

In September 2018, the Company granted stock options for 32,255 shares to members of the Board of Directors. Options granted in September 2018 have an exercise price $15.89, as determined on the grant date and expire ten years from the grant date.

 

The fair value was calculated using the Black-Scholes model for stock options granted in September 2018 using the following assumptions: expected volatility of 24.56%, a risk free interest rate of 3.01%, and an expected term of 7.5 years. The Company utilized the simplified method to determine the expected term because it does not have sufficient historical exercise data to provide a reasonable basis upon which to estimate the expected term.

 

The weighted average grant-date fair value of options granted during the year 2018 was $5.57 per share.

 

At September 30, 2018, no stock options were exercisable.

 

In September 2018, the Company awarded 12,900 restricted shares to members of the Board of Directors. The restricted stock awards have a five year vesting period. During the restricted period, the holder is entitled to full voting rights and dividends, thus are considered participating securities.

 

Total compensation cost recognized in the income statement for share-based payment arrangements during the three and nine months ended September 30, 2018 was $6.

 

As of September 30, 2018, there was approximately $378 of total unrecognized compensation cost related to unvested share-based compensation arrangements granted under the Plan. That cost is expected to be recognized over a remaining weighted-average period of 5 years.

XML 27 R16.htm IDEA: XBRL DOCUMENT v3.10.0.1
Recent Accounting Pronouncements
9 Months Ended
Sep. 30, 2018
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]  
Recent Accounting Pronouncements
Note 9: Recent Accounting Pronouncements

 

Eagle Financial Bancorp, Inc. is an “emerging growth company. As an “emerging growth company”, we have elected to use the extended transition period to delay adoption of new or revised accounting pronouncements applicable to public companies until such pronouncements are made applicable to private companies. Accordingly, our financial statements may not be comparable to the financial statements of public companies that comply with such new or revised accounting standards. 

 

In May 2014, the FASB issued ASU No. 2014-09 "Revenue from Contracts with Customers (Topic 606). The core principle of the guidance is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods and services. On July 9, 2015, the FASB approved amendments deferring the effective date by one year. ASU 2014-09 is now effective for annual reporting periods beginning after December 15, 2017, including interim periods with in that reporting period. Early application is permitted but not before the original public entity effective date, i.e., annual periods beginning after December 15, 2016. In March 2016, the FASB issued final amendments (ASU No. 2016-08 and ASU No. 2016-10) to clarify the implementation guidance for principal versus agent considerations, identifying performance obligations and the accounting for licenses of intellectual property. The amendments can be applied retrospectively to each prior reporting period or retrospectively with the cumulative effect of initially applying this Update recognized at the date of initial application. In May 2016, the FASB issued final amendments (ASU No. 2016-12 and ASU 2016-11) to address narrow-scope improvements to the guidance on collectibility, non-cash consideration, completed contracts at transition and to provide a practical expedient for contract modifications at transition and an accounting policy election related to the presentation of sales taxes and other similar taxes collected from customers. Additionally, the amendments included a rescission of SEC guidance because of ASU 2014-09 related to revenue and expense recognition for freight services in process, accounting for shipping and handling fees and costs, and accounting for consideration given by a vendor to a customer. In December 2016, the FASB issued final guidance (ASU 2016-20) that allows entities not to make quantitative disclosures about performance obligations in certain cases and requires entities that use any of the new or previously existing optional exemptions to expand their qualitative disclosures. It also makes 12 additional technical corrections and improvements to the new revenue standard. These amendments are effective upon the adoption of ASU 2014-09. Public entities should apply the amendments in ASU 2014-9 to interim reporting periods within annual reporting periods beginning after December 15, 2017 (that is, a public entity would be required to apply the new revenue standard beginning in the first interim period within the period of adoption). Nonpublic entities should apply the amendments in ASU 2014-9 for annual reporting periods beginning after December 31, 2018, and to interim reporting periods within annual reporting periods beginning after December 19, 2019. The Company continues to assess the guidance from the FASB and the Transition Resource Group for Revenue Recognition in determining the impact of ASU 2014-09 on its accounting and disclosures. The adoption of ASU 2014-09 is not expected to have a material impact on the Company’s accounting and disclosures.

 

In January 2016, the FASB issued ASU No. 2016-01 "Financial Instruments - Overall (Subtopic 825-10) - Recognition and Measurement of Financial Assets and Financial Liabilities." ASU 2016-01 is intended to improve the recognition and measurement of financial instruments by requiring equity investments to be measured at fair value with changes in fair value recognized in net income; requiring public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; requiring separate presentation of financial assets and financial liabilities by measurement category and form of financial asset on the balance sheet or the accompanying notes to the financial statements; eliminating the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured and amortized at cost on the balance sheet; and requiring a reporting organization to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the organization has elected to measure the liability at fair value in accordance with the fair value option for financial instruments. ASU 2016-01 is effective for public companies for fiscal years beginning after December 31, 2017, including interim periods within those fiscal years. For private companies the new guidance becomes effective for fiscal years beginning after December 15, 2018, and for interim periods within fiscal years beginning after December 15, 2019. The amendments should be applied by means of a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption. The amendments related to equity securities without readily determinable fair values (including disclosure requirements) should be applied prospectively to equity investments that exist as of the date of adoption. The Company is currently evaluating the impact of these amendments, but does not expect them to have a material effect on the Company’s financial position or results of operations since it does not have any equity securities or a valuation allowance. However, the amendments will have an impact on certain items that are disclosed at fair value that are not currently utilizing the exit price notion when measuring fair value. At this time the Company cannot quantify the change in the fair value of such disclosures since the Company continues to evaluate the full impact of the Update and is continuing to develop appropriate procedures and processes to comply with the disclosure requirements of such amendments. The current accounting policies and procedures will be modified after the Company fully evaluates the standard to comply with the accounting changes mentioned above. For additional information on fair value of assets and liabilities, see Note 5.

 

In February 2016, the FASB issued ASU No. 2016-02 "Leases (Topic 842)." ASU 2016-02 establishes a right of use model that requires a lessee to record a right of use asset and a lease liability for all leases with terms longer than 12 months. Leases will be classified as either finance or operating, with classification affecting the pattern of expense recognition in the income statement. For lessors, the guidance modifies the classification criteria and the accounting for sales-type and direct financing leases. A lease will be treated as a sale if it transfers all of the risks and rewards, as well as control of the underlying asset, to the lessee. If risks and rewards are conveyed without the transfer of control, the lease is treated as a financing lease. If the lessor doesn't convey risks and rewards or control, an operating lease results. Public business entities should apply the amendments in ASU 2016-02 for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Nonpublic business entities should apply the amendments for fiscal years beginning after December 15, 2019 and interim periods within fiscal years beginning after December 15, 2020. Entities are required to use a modified retrospective approach for leases that exist or are entered into after the beginning of the earliest comparative period in the financial statements, with certain practical expedients available. The impact is not expected to have a material effect on the Company’s financial position or results of operations since the Company does not have a material amount of lease agreements. The Company is continuing to evaluate the amendments and will subsequently implement new processes to comply with the ASU. In addition, the Company will change its current accounting practice to comply with the amendments and such changes as mentioned above.

 

In June 2016, the FASB issued ASU No. 2016-13, "Financial Instruments-Credit Losses (Topic 326) -Measurement of Credit Losses on Financial Instruments." The provisions of ASU 2016-13 were issued to provide financial statement users with more decision-useful information about the expected credit losses on financial instruments that are not accounted for at fair value through net income, including loans held for investment, held-to-maturity debt securities, trade and other receivables, net investment in leases and other commitments to extend credit held by a reporting entity at each reporting date. ASU 2016-13 requires that financial assets measured at amortized cost be presented at the net amount expected to be collected, through an allowance for credit losses that is deducted from the amortized cost basis. The amendments in ASU 2016-13 eliminate the probable incurred loss recognition in current GAAP and reflect an entity's current estimate of all expected credit losses. The measurement of expected credit losses is based upon historical experience, current conditions, and reasonable and supportable forecasts that affect the collectibility of the financial assets. For public business entities that are U.S. Securities and Exchange Commission (SEC) filers, the amendments are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. For all other public business entities, the amendments are effective for fiscal years beginning after December 15, 2020, including interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2020, and interim periods within fiscal years beginning after December 15, 2021. Early adoption is permitted for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. The Company continues to evaluate the impact of these amendments to the Company’s financial position and results of operations and currently does not know or cannot reasonably quantify the impact of the adoption of the amendments as a result of the complexity and extensive changes from the amendments. The Allowance for Loan Losses (ALL) estimate is material to the Company and given the change from an incurred loss model to a methodology that considers the credit loss over the life of the loan, there is the potential for an increase in the ALL at the adoption date. The Company is anticipating a significant change in processes and procedures to calculate the ALL, including changes in assumptions and estimates to consider the expected credit losses over the life of the loan versus the current accounting practice that utilizes the incurred loss model. In addition, the current accounting policy and procedures for the other-than temporary impairment on available-for-sale securities will be replaced with an allowance approach. The Company has continued developing processes during the third quarter of 2018. Management continues to focus its attention on collecting historical loan loss data, loan level data, and evaluating data capabilities to ensure it is fully compliant with the amendments at adoption date. For additional information on the allowance for loan losses, see Note 2.

 

In August 2016, the FASB issued ASU No. 2016-15 "Statement of Cash Flows (Topic 230) - Classification of Certain Cash Receipts and Cash Payments." ASU 2016-15 provides cash flow statement classification guidance for certain transactions including how the predominance principle should be applied when cash receipts and cash payments have aspects of more than one class of cash flows. The amendments are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Early adoption is permitted, including adoption in an interim period. The Company has assessed ASU 2016-15 and does not expect a significant impact on its accounting and disclosures.

 

In November 2016, the FASB issued ASU No. 2016-18 "Statement of Cash Flows (Topic 230) – Restricted Cash." ASU 2016-18 provides amendments to cash flow statement classification and presentation to explain the change during the period in the total of cash, cash equivalents, and amounts generally described as restricted cash or restricted cash equivalents. The amendments are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2018 and interim periods within fiscal years beginning after December 15, 2019. Early adoption is permitted, including adoption in an interim period. The amendments should be applied using a retrospective transition method to each period presented. The Company has assessed ASU 2016-18 and does not expect a significant impact on its accounting and disclosures.

 

In August 2018, the FASB issued ASU No. 2018-13 “Fair Value Measurement (Topic 820): Disclosure Framework – Changes to the Disclosure Requirements for Fair Value Measurement”. ASU No. 2018-13 applies to all entities that are required to make disclosures about recurring or nonrecurring fair value measurements. The amendments in this update modify fair value disclosure requirements, including the deletion, modification, and addition of certain targeted disclosures. The amendments are effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. Early adoption is permitted. An entity is permitted to early adopt any removed or modified disclosures upon issuance of the update and delay adoption of the additional disclosures until the effective date. The amendments are to be applied on a retrospective basis to all periods presented upon adoption, except for certain amendments described in the update that are to be applied prospectively for only the most recent interim period presented in the initial fiscal year of adoption. The Company is currently evaluating the potential effects of ASU No. 2018-13.

 

In August 2018, the FASB issued ASU No. 2018-15 “Intangibles – Goodwill and Other – Internal-Use Software (Topic 350-40): Customer’s Accounting for Implementation Costs incurred in a Cloud Computing Arrangement That Is a Service Contract”. ASU No. 2018-15 applies to entities that are a customer in a hosting arrangement, as defined, that is accounted for as a service contract. The amendments in this update require an entity (customer) in a hosting arrangement that is a service contract to follow the guidance in Subtopic 350-40 to determine which implementation costs to capitalize as an asset related to the service contract and which costs to expense. Capitalized implementation costs are to be expensed over the term of the hosting arrangement. The amendments in this update are effective for fiscal years beginning after December 31, 2020, and interim periods within those fiscal years. Early adoption is permitted, including adoption in any period. The amendments can be applied either retrospectively or prospectively to all implementation costs after the date of adoption. The Company is currently evaluating the potential effects of ASU No. 2018-15.

XML 28 R17.htm IDEA: XBRL DOCUMENT v3.10.0.1
Nature of Operations and Summary of Significant Accounting Policies (Policies)
9 Months Ended
Sep. 30, 2018
Accounting Policies [Abstract]  
Basis of Presentation and Consolidation

Basis of Presentation and Consolidation

 

The condensed consolidated financial statements as of September 30, 2018 and for the three and nine months ended September 30, 2018, include Eagle Financial Bancorp, Inc. and the Bank, its wholly owned subsidiary. Intercompany transactions and balances have been eliminated in consolidation.

  

The accompanying condensed balance sheet of the Company as of December 31, 2017, which has been derived from audited financial statements, and unaudited condensed financial statements of the Company as of September 30, 2018 and for the three and nine months ended September 30, 2018 and 2017, were prepared in accordance with instructions for Form 10-Q and Rule 10-01 of Regulation S-X and, therefore, do not include information or footnotes necessary for a complete presentation of financial position, results of operations and cash flows in accounting principles generally accepted in the United States of America. Accordingly, these condensed financial statements should be read in conjunction with the financial statements and notes thereto of the Company for the year ended December 31, 2017 included in the Registrant’s Form 10-K. Reference is made to the accounting policies of the Company described in the Notes to Financial Statements contained in the Form 10-K.

 

In the opinion of management, all adjustments (consisting only of normal recurring adjustments) which are necessary for a fair presentation of the unaudited condensed financial statements have been included to present fairly the financial position as of September 30, 2018 and the results of operations and cash flows for the three and nine months ended September 30, 2018 and 2017. All interim amounts have not been audited and the results of operations for the three and nine months ended September 30, 2018, herein are not necessarily indicative of the results of operations to be expected for the entire year.

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, FHLB lender risk account receivable, valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, and fair values of financial instruments.

Earnings Per Share
               Earnings Per Common Share

 

Basic earnings per common share (“EPS”) excludes dilution and is calculated by dividing net income applicable to common stock by the weighted-average number of shares of common shares outstanding during the period. Diluted EPS is computed in a manner similar to that of basic EPS except that the weighted-average number of common shares outstanding is increased to include the number of incremental common shares that would have been outstanding if all potentially dilutive common stock equivalents were issued during the period. Unallocated common shares held by the Company’s Employee Stock Ownership Plan (“the ESOP”) are shown as a reduction in stockholder’s equity and are excluded from weighted-average common shares outstanding for both basic and diluted EPS calculations until they are committed to be released. The computation of earnings per share for the three and nine months ended September 30, 2017 is not presented as the Company did not complete its initial public offering until July 20, 2017.

 

The computations for the three and nine month periods ended September 30, 2018 are as follows:

 

    Three months ended September 30,     Nine months ended September 30,  
    2018     2018  
             
Net Income   $ 79,073     $ 290,850  
Less allocation of earnings to participating securities     96       118  
Net income allocated to common shareholders   $ 78,977     $ 290,732  
                 
Shares Outstanding for basic earnings per common share:                
                 
Weighted Average shares outstanding:     1,612,808       1,612,808  
Less: Average Unearned ESOP shares:     118,321       119,902  
Weighted average number of shares outstanding used in the calculation of basic earnings per common share     1,494,487       1,492,906  
                 
Basic earnings per common share:   $ 0.05     $ 0.19  
                 
Effect of dilutive securities:                
Stock Options     -       -  
Weighted average number of shares outstanding used in the calculation of dilutive earnings per common share     1,494,487       1,492,906  
Diluted earnings per common share:   $ 0.05     $ 0.19  
XML 29 R18.htm IDEA: XBRL DOCUMENT v3.10.0.1
Earnings Per Common Share (Tables)
9 Months Ended
Sep. 30, 2018
Earnings Per Share [Abstract]  
Schedule of earnings per common share
    Three months ended September 30,     Nine months ended September 30,  
    2018     2018  
             
Net Income   $ 79,073     $ 290,850  
Less allocation of earnings to participating securities     96       118  
Net income allocated to common shareholders   $ 78,977     $ 290,732  
                 
Shares Outstanding for basic earnings per common share:                
                 
Weighted Average shares outstanding:     1,612,808       1,612,808  
Less: Average Unearned ESOP shares:     118,321       119,902  
Weighted average number of shares outstanding used in the calculation of basic earnings per common share     1,494,487       1,492,906  
                 
Basic earnings per common share:   $ 0.05     $ 0.19  
                 
Effect of dilutive securities:                
Stock Options     -       -  
Weighted average number of shares outstanding used in the calculation of dilutive earnings per common share     1,494,487       1,492,906  
Diluted earnings per common share:   $ 0.05     $ 0.19  
XML 30 R19.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and Allowance for Loan Losses (Tables)
9 Months Ended
Sep. 30, 2018
Receivables [Abstract]  
Schedule of composition of the loan portfolio
    September 30,     December 31,  
    2018     2017  
       
Residential mortgage loans   $ 64,690     $ 53,682  
Commercial real estate and land loans     16,027       13,739  
Home equity and other consumer     13,259       12,570  
Residential construction loans     10,060       10,362  
Residential mortgage loans, non-owner occupied     6,304       7,082  
Multi-family real estate loans     1,203       2,084  
Commercial loans     5,851       5,536  
      117,394       105,055  
                 
Net deferred loan costs     31       66  
Loans in process     (5,457 )     (7,411 )
Allowance for loan losses     (1,189 )     (1,181 )
                 
Net loans   $ 110,779     $ 96,529  
Schedule of allowance for loan losses
Nine Months Ended September 30, 
2018 (Unaudited)
  Residential 
Mortgage 
Loans
    Commercial 
Real Estate 
and Land 
Loans
    Home 
Equity and 
Other 
Consumer
    Residential 
Construction 
Loans
    Residential 
Mortgage 
Loans Non-
Owner 
Occupied
    Multi-
Family Real 
Estate 
Loans
    Commercial 
Loans
    Total  
Allowance for loan losses:                                                                
Balance, beginning of year   $ 283     $ 199     $ 276     $ 116     $ 122     $ 25     $ 160     $ 1,181  
Provision charged to expense     148       118       30       (6 )     (44 )     (11 )     (136 )     99  
Losses charged off     (35 )     (68 )     -       -       -       -       -       (103 )
Recoveries     11       -       -       -       1       -       -       12  
                                                                 
Balance, end of period   $ 407     $ 249     $ 306     $ 110     $ 79     $ 14     $ 24     $ 1,189  
                                                                 
Ending balance:  individually  evaluated for impairment   $ 4     $ -     $ -     $ -     $ -     $ -     $ -     $ 4  
                                                                 
Ending balance:  collectively  evaluated for impairment   $ 403     $ 249     $ 306     $ 110     $ 79     $ 14     $ 24     $ 1,185  
                                                                 
Loans:                                                                
Ending balance   $ 64,690     $ 16,027     $ 13,259     $ 10,060     $ 6,304     $ 1,203     $ 5,851     $ 117,394  
                                                                 
Ending balance:  individually  evaluated for impairment   $ 75     $ -     $ 11     $ -     $ 191     $ -     $ -     $ 277  
                                                                 
Ending balance:  collectively  evaluated for impairment   $ 64,615     $ 16,027     $ 13,248     $ 10,060     $ 6,113     $ 1,203     $ 5,851     $ 117,117  

 

Three Months Ended September 
30, 2018 (Unaudited)
  Residential 
Mortgage 
Loans
    Commercial 
Real Estate 
and Land 
Loans
    Home 
Equity and 
Other 
Consumer
    Residential 
Construction 
Loans
    Residential 
Mortgage 
Loans Non-
Owner 
Occupied
    Multi-
Family Real 
Estate 
Loans
    Commercial 
Loans
    Total  
Allowance for loan losses:                                                                
Balance, beginning of period   $ 422     $ 205     $ 304     $ 117     $ 85     $ 14     $ 20     $ 1,167  
Provision charged to expense     (6 )     112       2       (7 )     (6 )     -       4       99  
Losses charged off     (13 )     (68 )     -       -       -       -       -       (81 )
Recoveries     4       -       -       -       -       -       -       4  
                                                                 
Balance, end of period   $ 407     $ 249     $ 306     $ 110     $ 79     $ 14     $ 24     $ 1,189  

 

Nine Months Ended September 30, 
2017 (Unaudited)
  Residential 
Mortgage 
Loans
    Commercial 
Real Estate 
and Land 
Loans
    Home 
Equity and 
Other 
Consumer
    Residential 
Construction 
Loans
    Residential 
Mortgage 
Loans Non-
Owner 
Occupied
    Multi-
Family Real 
Estate 
Loans
    Commercial 
Loans
    Total  
Allowance for loan losses:                                                                
Balance, beginning of year   $ 166     $ 164     $ 341     $ 88     $ 175     $ 30     $ 173     $ 1,137  
Provision charged to expense     46       108       (54 )     (3 )     28       (2 )     (21 )     102  
Losses charged off     (10 )     (73 )     -       -       -       -       -       (83 )
Recoveries     1       -       -       -       -       -       10       11  
                                                                 
Balance, end of period   $ 203     $ 199     $ 287     $ 85     $ 203     $ 28     $ 162     $ 1,167  

 

Three Months Ended September 30, 
2017 (Unaudited)
  Residential 
Mortgage 
Loans
    Commercial 
Real Estate 
and Land 
Loans
    Home 
Equity and 
Other 
Consumer
    Residential 
Construction 
Loans
    Residential 
Mortgage 
Loans Non-
Owner 
Occupied
    Multi-
Family Real 
Estate 
Loans
    Commercial 
Loans
    Total  
Allowance for loan losses:                                                                
Balance, beginning of period   $ 197     $ 229     $ 316     $ 91     $ 220     $ 23     $ 153     $ 1,229  
Provision charged to expense     15       43       (29 )     (6 )     (17 )     5       6       17  
Losses charged off     (10 )     (73 )     -       -       -       -       -       (83 )
Recoveries     1       -       -       -       -       -       3       4  
                                                                 
Balance, end of period   $ 203     $ 199     $ 287     $ 85     $ 203     $ 28     $ 162     $ 1,167  

 

Year Ended December 31, 2017   Residential 
Mortgage 
Loans
    Commercial 
Real Estate 
and Land 
Loans
    Home 
Equity and 
Other 
Consumer
    Residential 
Construction 
Loans
    Residential 
Mortgage 
Loans Non-
Owner 
Occupied
    Multi-
Family Real 
Estate 
Loans
    Commercial 
Loans
    Total  
Allowance for loan losses:                                                                
Balance, beginning of year   $ 166     $ 164     $ 341     $ 88     $ 175     $ 30     $ 173     $ 1,137  
Provision charged to expense     112       108       (65 )     28       (44 )     (5 )     (32 )     102  
Losses charged off     -       (73 )     -       -       (9 )     -       -       (82 )
Recoveries     5       -       -       -       -       -       19       24  
                                                                 
Balance, end of year   $ 283     $ 199     $ 276     $ 116     $ 122     $ 25     $ 160     $ 1,181  
                                                                 
Ending balance:  individually  evaluated for impairment   $ 22     $ 10     $ -     $ -     $ 32     $ -     $ 138     $ 202  
                                                                 
Ending balance:  collectively evaluated for impairment   $ 261     $ 189     $ 276     $ 116     $ 90     $ 25     $ 22     $ 979  
                                                                 
Loans:                                                                
Ending balance   $ 53,682     $ 13,739     $ 12,570     $ 10,362     $ 7,082     $ 2,084     $ 5,536     $ 105,055  
                                                                 
Ending balance:  individually  evaluated for impairment   $ 142     $ 157     $ -     $ -     $ 196     $ -     $ 300     $ 795  
                                                                 
Ending balance:  collectively evaluated for impairment   $ 53,540     $ 13,582     $ 12,570     $ 10,362     $ 6,886     $ 2,084     $ 5,236     $ 104,260  
Schedule of credit risk profile of loan portfolio based on rating category and payment activity
September 30, 2018 (Unaudited)   Residential 
Mortgage Loans
    Commercial 
Real Estate and 
Land Loans
    Home 
Equity and 
Other 
Consumer
    Residential 
Construction 
Loans
    Residential 
Mortgage Loans 
Non-Owner 
Occupied
    Multi-Family 
Real Estate 
Loans
    Commercial 
Loans
    Total  
Rating                                                                
Satisfactory (5-8)   $ 63,478     $ 15,668     $ 13,006     $ 10,060     $ 6,275     $ 1,203     $ 5,580     $ 115,270  
Special mention (1)     -       -       -       -       -       -       125       125  
Substandard (2)     1,212       359       253       -       29       -       146       1,999  
Doubtful (3)     -       -       -       -       -       -       -       -  
Loss (4)     -       -       -       -       -       -       -       -  
                                                                 
Total   $ 64,690     $ 16,027     $ 13,259     $ 10,060     $ 6,304     $ 1,203     $ 5,851     $ 117,394  

 

December 31, 2017   Residential 
Mortgage 
Loans
    Commercial 
Real Estate and 
Land Loans
    Home 
Equity and 
Other 
Consumer
    Residential 
Construction 
Loans
    Residential 
Mortgage Loans 
Non-Owner 
Occupied
    Multi-Family 
Real Estate 
Loans
    Commercial 
Loans
    Total  
Rating                                                                
Satisfactory (5-8)   $ 52,948     $ 13,212     $ 12,411     $ 10,362     $ 6,508     $ 2,084     $ 5,039     $ 102,564  
Special mention (1)     -       -       -       -       -       -       -       -  
Substandard (2)     734       527       159       -       574       -       497       2,491  
Doubtful (3)     -       -       -       -       -       -       -       -  
Loss (4)     -       -       -       -       -       -       -       -  
                                                                 
Total   $ 53,682     $ 13,739     $ 12,570     $ 10,362     $ 7,082     $ 2,084     $ 5,536     $ 105,055  
Schedule of loan portfolio aging analysis of the recorded investment in loans
September 30, 2018 (Unaudited)   30-59 Days 
Past Due
    60-89 Days 
Past Due
    90 Days 
Past Due or 
More
    Total  
Past 
Due
    Current     Total 
Loans 
Receivable
    Recorded 
Investment 90 
Days and 
Accruing
 
Residential mortgage loans   $ 497     $ -     $ 558     $ 1,055     $ 63,635     $ 64,690     $ -  
Commercial real estate and land loans     -       -       -       -       16,027       16,027       -  
Home equity and other consumer     -       -       39       39       13,220       13,259       -  
Residential construction loans     -       -       -       -       10,060       10,060       -  
Residential mortgage loans, non-owner occupied     -       -       -       -       6,304       6,304       -  
Multi-family real estate loans     -       -       -       -       1,203       1,203       -  
Commercial loans     -       -       -       -       5,851       5,851       -  
                                                         
Total   $ 497     $ -     $ 597     $ 1,094     $ 116,300     $ 117,394     $ -  

 

December 31, 2017   30-59 Days 
Past Due
    60-89 Days 
Past Due
    90 Days 
Past Due or 
More
    Total  
Past 
Due
    Current     Total 
Loans 
Receivable
    Recorded 
Investment 90 
Days and 
Accruing
 
Residential mortgage loans   $ 173     $ -     $ 634     $ 807     $ 52,875     $ 53,682     $ -  
Commercial real estate and land loans     -       -       157       157       13,582       13,739       -  
Home equity and other consumer     39       -       -       39       12,531       12,570       -  
Residential construction loans     -       -       -       -       10,362       10,362       -  
Residential mortgage loans, non-owner occupied     -       -       -       -       7,082       7,082       -  
Multi-family real estate loans     -       -       -       -       2,084       2,084       -  
Commercial loans     -       -       -       -       5,536       5,536       -  
                                                         
Total   $ 212     $ -     $ 791     $ 1,003     $ 104,052     $ 105,055     $ -  
Schedule of impaired loans
                      For the Three Months 
Ended
    For the Nine Months 
Ended
 
    As of September 30, 2018           September 30, 2018     September 30, 2018  
                      Average           Average        
          Unpaid           Investment     Interest     Investment     Interest  
    Recorded     Principal     Allocated     in Impaired     Income     in Impaired     Income  
    Balance     Balance     Allowance     Loans     Recognized     Loans     Recognized  
Loans without an allocated allowance:                                                        
Residential mortgage loans   $ -     $ -     $ -     $ -     $ -     $ -     $ -  
Commercial real estate and land loans     -       -       -       113       -       144       -  
Home equity and other consumer     11       11       -       11       -       11       -  
Residential construction loans     -       -       -       -       -       -       -  
Residential mortgage loans, non-owner occupied     191       191       -       192       3       193       8  
Multi-family real estate loans     -       -       -       -       -       -       -  
Commercial loans     -       -       -       -       -       -       -  
Loans with an allocated allowance:                                                        
Residential mortgage loans     75       75       4       75       1       112       3  
Commercial real estate and land loans     -       -       -       -       -       -       -  
Home equity and other consumer     -       -       -       -       -       -       -  
Residential construction loans     -       -       -       -       -       -       -  
Residential mortgage loans, non-owner occupied     -       -       -       -       -       -       -  
Multi-family real estate loans     -       -       -       -       -       -       -  
Commercial loans     -       -       -       -       -       166       9  
                                                         
Total   $ 277     $ 277     $ 4     $ 391     $ 4     $ 626     $ 20  

 

                      For the Three Months 
Ended
    For the Nine Months 
Ended
 
    As of September 30, 2017           September 30, 2017     September 30, 2017  
                      Average           Average        
          Unpaid           Investment     Interest     Investment     Interest  
    Recorded     Principal     Allocated     in Impaired     Income     in Impaired     Income  
    Balance     Balance     Allowance     Loans     Recognized     Loans     Recognized  
Loans without an allocated allowance:                                                        
Residential mortgage loans   $ -     $ -     $ -     $ -     $ -     $ -     $ -  
Commercial real estate and land loans     148       148       -       180       -       214       1  
Home equity and other consumer     -       -       -       -       -       -       -  
Residential construction loans     -       -       -       -       -       -       -  
Residential mortgage loans, non-owner occupied     60       60       -       65       1       93       3  
Multi-family real estate loans     -       -       -       -       -       -       -  
Commercial loans     -       -       -       -       -       -       -  
Loans with an allocated allowance:                                                        
Residential mortgage loans     142       142       22       143       1       144       5  
Commercial real estate and land loans     -       -       -       -       -       -       -  
Home equity and other consumer     -       -       -       -       -       -       -  
Residential construction loans     -       -       -       -       -       -       -  
Residential mortgage loans, non-owner occupied     198       198       34       199       2       200       7  
Multi-family real estate loans     -       -       -       -       -       -       -  
Commercial loans     301       301       139       301       4       315       13  
                                                         
Total   $ 849     $ 849     $ 195     $ 888     $ 8     $ 966     $ 29  

 

    As of December 31, 2017  
                      Average        
          Unpaid           Investment     Interest  
    Recorded     Principal     Allocated     in Impaired     Income  
    Balance     Balance     Allowance     Loans     Recognized  
Loans without an allocated allowance:                                        
Residential mortgage loans   $ -     $ -     $ -     $ -     $ -  
Commercial real estate and land loans     -       -       -       -       -  
Home equity and other consumer     -       -       -       -       -  
Residential construction loans     -       -       -       -       -  
Residential mortgage loans, non-owner occupied     -       -       -       -       -  
Multi-family real estate loans     -       -       -       -       -  
Commercial loans     -       -       -       -       -  
Loans with an allocated allowance:                                        
Residential mortgage loans     142       142       22       143       7  
Commercial real estate and land loans     157       157       10       192       1  
Home equity and other consumer     -       -       -       -       -  
Residential construction loans     -       -       -       -       -  
Residential mortgage loans, non-owner occupied     196       196       32       199       13  
Multi-family real estate loans     -       -       -       -       3  
Commercial loans     300       300       138       313       17  
                                         
Total   $ 795     $ 795     $ 202     $ 847     $ 41  
Schedule of nonaccrual loans
    September 30,     December 31,  
    2018     2017  
Residential mortgage loans   $ 558     $ 634  
Commercial real estate and land loans     -       157  
Home equity and other consumer     39       -  
Residential construction loans     -       -  
Residential mortgage loans, non-owner occupied     -       -  
Multi-family real estate loans     -       -  
Commercial loans     -       -  
                 
Total   $ 597     $ 791  
Schedule of summary of troubled debt restructurings
    As of September 30, 2018     As of December 31, 2017  
    Number of 
Contracts
    Recorded 
Investment
    Number of 
Contracts
    Recorded 
Investment
 
Residential mortgage loans     1     $ 75       1     $ 77  
Commercial real estate and land loans     -       -       -       -  
Home equity and other consumer     1       11       -       -  
Residential construction loans     -       -       -       -  
Residential mortgage loans, non-owner occupied     4       191       4       196  
Multi-family real estate loans     -       -       -       -  
Commercial loans     -       -       1       300  
      6     $ 277       6     $ 573  
XML 31 R20.htm IDEA: XBRL DOCUMENT v3.10.0.1
Employee Stock Ownership Plan ("ESOP") (Tables)
9 Months Ended
Sep. 30, 2018
Employee Stock Ownership Plan [Abstract]  
Schedule of ESOP shares
    September 30, 2018     December 31, 2017  
Shares allocated to participants     4,838       6,451  
Shares released to participants     6,451       -  
Unreleased shares     117,735       122,573  
Total     129,024       129,024  
                 
Fair Value of Unreleased Shares   $ 1,871,998     $ 1,982,005  
XML 32 R21.htm IDEA: XBRL DOCUMENT v3.10.0.1
Regulatory Matters (Tables)
9 Months Ended
Sep. 30, 2018
Banking and Thrift [Abstract]  
Schedule of actual capital amounts and ratios
    Actual     Minimum Capital 
Requirement
    Minimum to Be Well 
Capitalized Under 
Prompt Corrective 
Action Provisions
 
    Amount     Ratio     Amount     Ratio     Amount     Ratio  
As of September 30, 2018:                                                
                                                 
Equity   $ 20,646                                          
Allowance for loan losses     1,189                                          
Total risk-based capital (to risk-weighted  assets)   $ 21,835       16.9 %   $ 10,345       8.0 %   $ 12,931       10.0 %
                                                 
Tier I capital (to risk-weighted  assets)     20,646       16.0 %     7,759       6.0 %     10,345       8.0 %
                                                 
Common equity Tier I capital (to risk-weighted  assets)     20,646       16.0 %     5,819       4.5 %     8,405       6.5 %
                                                 
Tier I capital (to adjusted total  assets)     20,646       15.2 %     5,433       4.0 %     6,791       5.0 %

 

    Actual     Minimum Capital 
Requirement
    Minimum to Be Well 
Capitalized Under 
Prompt Corrective 
Action Provisions
 
    Amount     Ratio     Amount     Ratio     Amount     Ratio  
As of December 31, 2017:                                                
                                                 
Equity   $ 20,197                                          
Allowance for loan losses     1,181                                          
                                                 
Total risk-based capital (to risk-weighted  assets)   $ 21,378       18.0 %   $ 9,498       8.0 %   $ 11,873       10.0 %
                                                 
Tier I capital (to risk-weighted  assets)     20,197       17.0 %     7,124       6.0 %     9,498       8.0 %
                                                 
Common equity Tier I capital (to risk-weighted  assets)     20,197       17.0 %     5,343       4.5 %     7,717       6.5 %
                                                 
Tier I capital (to adjusted total  assets)     20,197       15.6 %     5,187       4.0 %     6,484       5.0 %
XML 33 R22.htm IDEA: XBRL DOCUMENT v3.10.0.1
Disclosure About Fair Values of Assets and Liabilities (Tables)
9 Months Ended
Sep. 30, 2018
Fair Value Disclosures [Abstract]  
Schedule of fair value measurement of assets measured at fair value on a nonrecurring basis
          Fair Value Measurements Using  
    Fair     Quoted Prices in 
Active Markets for 
Identical Assets
    Significant 
Other 
Observable 
Inputs
    Significant 
Unobservable 
Inputs
 
September 30, 2018   Value     (Level 1)     (Level 2)     (Level 3)  
Impaired loans (collateral dependent)   $ 273     $ -     $ -     $ 273  
Foreclosed assets held for sale     217       -       -       217  

 

          Fair Value Measurements Using  
    Fair     Quoted Prices in 
Active Markets for 
Identical Assets
    Significant 
Other 
Observable 
Inputs
    Significant 
Unobservable 
Inputs
 
December 31, 2017   Value     (Level 1)     (Level 2)     (Level 3)  
Impaired loans (collateral dependent)   $ 593     $ -     $ -     $ 593  
Schedule of quantitative information about unobservable inputs used in nonrecurring Level 3 fair value measurements
    Fair Value at     Valuation        
    9/30/2018     Technique   Unobservable Inputs   Range
Impaired loans (collateral dependent)   $ 273     Market comparable properties   Marketability discount   10% - 15%
                     
Foreclosed assets held for sale     217     Market comparable properties   Marketability discount   10% - 15%

 

    Fair Value at     Valuation        
    12/31/2017     Technique   Unobservable Inputs   Range
Impaired loans (collateral dependent)   $ 593     Market comparable properties   Marketability discount   10% - 15%
Schedule of estimated fair values of financial instruments
          Fair Value Measurements Using  
September 30, 2018   Carrying 
Amount
    Fair 
Value
    (Level 1)     (Level 2)     (Level 3)  
Financial Assets                                        
Cash and cash equivalents   $ 9,448     $ 9,448     $ 9,448     $ -     $ -  
Interest-bearing time deposits     4,233       4,233       4,233       -       -  
Loans held for sale     2,228       2,228       -       -       2,228  
Loans, net of allowance for losses     110,779       111,233       -       -       111,233  
FHLB stock     754       754       -       754       -  
FHLB lender risk account receivable     3,278       3,207       -       -       3,207  
Interest receivable     354       354       -       354       -  
                                         
Financial Liabilities                                        
Deposits     107,372       106,703       61,265       45,438       -  
FHLB advances     -       -       -       -       -  
Advances from borrowers for taxes and insurance     622       622       -       622       -  
Interest payable     1       1       -       1       -  

 

          Fair Value Measurements Using  
December 31, 2017   Carrying 
Amount
    Fair 
Value
    (Level 1)     (Level 2)     (Level 3)  
Financial Assets                                        
Cash and cash equivalents   $ 15,350     $ 15,350     $ 15,350     $ -     $ -  
Interest-bearing time deposits     5,079       5,079       5,079       -       -  
Loans held for sale     3,336       3,336       -       -       3,336  
Loans, net of allowance for losses     96,529       98,470       -       -       98,470  
FHLB stock     736       736       -       736       -  
FHLB lender risk account receivable     3,168       3,174       -       -       3,174  
Interest receivable     287       287       -       287       -  
                                         
Financial Liabilities                                        
Deposits     101,118       100,728       59,415       41,313       -  
FHLB advances     9       9       -       9       -  
Advances from borrowers for taxes  and insurance     866       866       -       866       -  
Interest payable     1       1       -       1       -  
XML 34 R23.htm IDEA: XBRL DOCUMENT v3.10.0.1
Commitments and Credit Risk (Tables)
9 Months Ended
Sep. 30, 2018
Commitments and Contingencies Disclosure [Abstract]  
Schedule of lines of credit
    September 30, 2018     December 31, 2017  
Unused lines of credit   $ 4,322     $ 3,509  
Unused home equity lines     12,240       11,305  
                 
Total commitments   $ 16,562     $ 14,814  
XML 35 R24.htm IDEA: XBRL DOCUMENT v3.10.0.1
Nature of Operations and Summary of Significant Accounting Policies (Detail Textuals) - USD ($)
$ / shares in Units, $ in Thousands
1 Months Ended 9 Months Ended
Jul. 20, 2017
Sep. 30, 2017
Sep. 30, 2018
Dec. 31, 2017
Nature Of Operations And Summary Of Significant Accounting Policies [Line Items]        
Plan of conversion, ownership percentage 100.00%      
Shares of common stock offered 1,572,808      
Stock price per share (in dollars per share) $ 10      
Contribution to charitable organization from net proceeds of bank $ 15,728      
Common stock issuance and conversion cost 1,423      
Cash contributions $ 7,153      
Number of shares purchased through company borrowings 129,024   129,024 129,024
Percentage of common stock issued in employee stock ownership plan 8.00%      
Number of common shares issued 1,612,808 1,612,808    
Amount proceeds to employee stock ownership plan $ 1,290      
Net proceeds retained 5,763      
Eagle Savings Bank Charitable Foundation (the "Foundation")        
Nature Of Operations And Summary Of Significant Accounting Policies [Line Items]        
Contribution to charitable organization from net proceeds of bank $ 100      
Number of shares contributed 40,000      
Cash contributions $ 100,000      
XML 36 R25.htm IDEA: XBRL DOCUMENT v3.10.0.1
Earnings Per Common Share (Details) - USD ($)
$ / shares in Units, $ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2018
Sep. 30, 2018
Earnings Per Share [Abstract]    
Net Income $ 79,073 $ 290,850
Less allocation of earnings to participating securities 96 118
Net income allocated to common shareholders $ 78,977 $ 290,732
Shares Outstanding for basic earnings per common share:    
Weighted Average shares outstanding: 1,612,808 1,612,808
Less: Average Unearned ESOP shares: 118,321 119,902
Total average shares outstanding, basic 1,494,487 1,492,906
Basic earnings per common share (in dollars per share) $ 0.05 $ 0.19
Effect of dilutive securities:    
Stock Options $ 0 $ 0
Weighted average number of shares outstanding used in the calculation of dilutive earnings per common share 1,494,487 1,492,906
Diluted earnings per common share (in dollars per share) $ 0.05 $ 0.19
XML 37 R26.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and Allowance for Loan Losses (Details) - USD ($)
$ in Thousands
Sep. 30, 2018
Jun. 30, 2018
Dec. 31, 2017
Sep. 30, 2017
Jun. 30, 2017
Dec. 31, 2016
Loans and Leases Receivable Disclosure [Line Items]            
Gross loans $ 117,394   $ 105,055      
Net deferred loan costs 31   66      
Loans in process (5,457)   (7,411)      
Allowance for loan losses (1,189) $ (1,167) (1,181) $ (1,167) $ (1,229) $ (1,137)
Net loans 110,779   96,529      
Residential | Mortgage loans            
Loans and Leases Receivable Disclosure [Line Items]            
Gross loans 64,690   53,682      
Allowance for loan losses (407) (422) (283) (203) (197) (166)
Residential | Construction Loans            
Loans and Leases Receivable Disclosure [Line Items]            
Gross loans 10,060   10,362      
Allowance for loan losses (110) (117) (116) (85) (91) (88)
Residential | Mortgage loans, non-owner occupied            
Loans and Leases Receivable Disclosure [Line Items]            
Gross loans 6,304   7,082      
Allowance for loan losses (79) (85) (122) (203) (220) (175)
Commercial | Commercial real estate and land loans            
Loans and Leases Receivable Disclosure [Line Items]            
Gross loans 16,027   13,739      
Allowance for loan losses (249) (205) (199) (199) (229) (164)
Commercial | Commercial loans            
Loans and Leases Receivable Disclosure [Line Items]            
Gross loans 5,851   5,536      
Allowance for loan losses (24) (20) (160) (162) (153) (173)
Home equity and other consumer            
Loans and Leases Receivable Disclosure [Line Items]            
Gross loans 13,259   12,570      
Allowance for loan losses (306) (304) (276) (287) (316) (341)
Multi-family real estate loans            
Loans and Leases Receivable Disclosure [Line Items]            
Gross loans 1,203   2,084      
Allowance for loan losses $ (14) $ (14) $ (25) $ (28) $ (23) $ (30)
XML 38 R27.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and Allowance for Loan Losses (Details 1) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2018
Sep. 30, 2017
Sep. 30, 2018
Sep. 30, 2017
Dec. 31, 2017
Allowance for loan losses:          
Balance, beginning of year $ 1,167 $ 1,229 $ 1,181 $ 1,137 $ 1,137
Provision charged to expense 99 17 99 102 102
Losses charged off (81) (83) (103) (83) (82)
Recoveries 4 4 12 11 24
Balance, end of period 1,189 1,167 1,189 1,167 1,181
Ending balance: individually evaluated for impairment 4   4   202
Ending balance: collectively evaluated for impairment 1,185   1,185   979
Loans:          
Ending balance 117,394   117,394   105,055
Ending balance: individually evaluated for impairment 277   277   795
Ending balance: collectively evaluated for impairment 117,117   117,117   104,260
Residential | Mortgage Loans          
Allowance for loan losses:          
Balance, beginning of year 422 197 283 166 166
Provision charged to expense (6) 15 148 46 112
Losses charged off (13) (10) (35) (10) 0
Recoveries 4 1 11 1 5
Balance, end of period 407 203 407 203 283
Ending balance: individually evaluated for impairment 4   4   22
Ending balance: collectively evaluated for impairment 403   403   261
Loans:          
Ending balance 64,690   64,690   53,682
Ending balance: individually evaluated for impairment 75   75   142
Ending balance: collectively evaluated for impairment 64,615   64,615   53,540
Residential | Construction loans          
Allowance for loan losses:          
Balance, beginning of year 117 91 116 88 88
Provision charged to expense (7) (6) (6) (3) 28
Losses charged off 0 0 0 0 0
Recoveries 0 0 0 0 0
Balance, end of period 110 85 110 85 116
Ending balance: individually evaluated for impairment 0   0   0
Ending balance: collectively evaluated for impairment 110   110   116
Loans:          
Ending balance 10,060   10,060   10,362
Ending balance: individually evaluated for impairment 0   0   0
Ending balance: collectively evaluated for impairment 10,060   10,060   10,362
Residential | Mortgage Loans, Non-Owner Occupied          
Allowance for loan losses:          
Balance, beginning of year 85 220 122 175 175
Provision charged to expense (6) (17) (44) 28 (44)
Losses charged off 0 0 0 0 (9)
Recoveries 0 0 1 0 0
Balance, end of period 79 203 79 203 122
Ending balance: individually evaluated for impairment 0   0   32
Ending balance: collectively evaluated for impairment 79   79   90
Loans:          
Ending balance 6,304   6,304   7,082
Ending balance: individually evaluated for impairment 191   191   196
Ending balance: collectively evaluated for impairment 6,113   6,113   6,886
Commercial | Commercial Real Estate and Land Loans          
Allowance for loan losses:          
Balance, beginning of year 205 229 199 164 164
Provision charged to expense 112 43 118 108 108
Losses charged off (68) (73) (68) (73) (73)
Recoveries 0 0 0 0 0
Balance, end of period 249 199 249 199 199
Ending balance: individually evaluated for impairment 0   0   10
Ending balance: collectively evaluated for impairment 249   249   189
Loans:          
Ending balance 16,027   16,027   13,739
Ending balance: individually evaluated for impairment 0   0   157
Ending balance: collectively evaluated for impairment 16,027   16,027   13,582
Commercial | Commercial Loans          
Allowance for loan losses:          
Balance, beginning of year 20 153 160 173 173
Provision charged to expense 4 6 (136) (21) (32)
Losses charged off 0 0 0 0 0
Recoveries 0 3 0 10 19
Balance, end of period 24 162 24 162 160
Ending balance: individually evaluated for impairment 0   0   138
Ending balance: collectively evaluated for impairment 24   24   22
Loans:          
Ending balance 5,851   5,851   5,536
Ending balance: individually evaluated for impairment 0   0   300
Ending balance: collectively evaluated for impairment 5,851   5,851   5,236
Home Equity and Other Consumer          
Allowance for loan losses:          
Balance, beginning of year 304 316 276 341 341
Provision charged to expense 2 (29) 30 (54) (65)
Losses charged off 0 0 0 0 0
Recoveries 0 0 0 0 0
Balance, end of period 306 287 306 287 276
Ending balance: individually evaluated for impairment 0   0   0
Ending balance: collectively evaluated for impairment 306   306   276
Loans:          
Ending balance 13,259   13,259   12,570
Ending balance: individually evaluated for impairment 11   11   0
Ending balance: collectively evaluated for impairment 13,248   13,248   12,570
Multi-Family Real Estate Loans          
Allowance for loan losses:          
Balance, beginning of year 14 23 25 30 30
Provision charged to expense 0 5 (11) (2) (5)
Losses charged off 0 0 0 0 0
Recoveries 0 0 0 0 0
Balance, end of period 14 $ 28 14 $ 28 25
Ending balance: individually evaluated for impairment 0   0   0
Ending balance: collectively evaluated for impairment 14   14   25
Loans:          
Ending balance 1,203   1,203   2,084
Ending balance: individually evaluated for impairment 0   0   0
Ending balance: collectively evaluated for impairment $ 1,203   $ 1,203   $ 2,084
XML 39 R28.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and Allowance for Loan Losses (Details 2) - USD ($)
$ in Thousands
Sep. 30, 2018
Dec. 31, 2017
Financing Receivable, Recorded Investment [Line Items]    
Total Loans $ 117,394 $ 105,055
Satisfactory    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 115,270 102,564
Special mention    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 125 0
Substandard    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 1,999 2,491
Doubtful    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
Loss    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
Residential | Mortgage Loans    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 64,690 53,682
Residential | Mortgage Loans | Satisfactory    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 63,478 52,948
Residential | Mortgage Loans | Special mention    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
Residential | Mortgage Loans | Substandard    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 1,212 734
Residential | Mortgage Loans | Doubtful    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
Residential | Mortgage Loans | Loss    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
Residential | Construction Loans    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 10,060 10,362
Residential | Construction Loans | Satisfactory    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 10,060 10,362
Residential | Construction Loans | Special mention    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
Residential | Construction Loans | Substandard    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
Residential | Construction Loans | Doubtful    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
Residential | Construction Loans | Loss    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
Residential | Mortgage Loans, Non-Owner Occupied    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 6,304 7,082
Residential | Mortgage Loans, Non-Owner Occupied | Satisfactory    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 6,275 6,508
Residential | Mortgage Loans, Non-Owner Occupied | Special mention    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
Residential | Mortgage Loans, Non-Owner Occupied | Substandard    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 29 574
Residential | Mortgage Loans, Non-Owner Occupied | Doubtful    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
Residential | Mortgage Loans, Non-Owner Occupied | Loss    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
Commercial | Commercial Real Estate and Land Loans    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 16,027 13,739
Commercial | Commercial Real Estate and Land Loans | Satisfactory    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 15,668 13,212
Commercial | Commercial Real Estate and Land Loans | Special mention    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
Commercial | Commercial Real Estate and Land Loans | Substandard    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 359 527
Commercial | Commercial Real Estate and Land Loans | Doubtful    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
Commercial | Commercial Real Estate and Land Loans | Loss    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
Commercial | Commercial Loans    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 5,851 5,536
Commercial | Commercial Loans | Satisfactory    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 5,580 5,039
Commercial | Commercial Loans | Special mention    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 125 0
Commercial | Commercial Loans | Substandard    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 146 497
Commercial | Commercial Loans | Doubtful    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
Commercial | Commercial Loans | Loss    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
Home Equity and Other Consumer    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 13,259 12,570
Home Equity and Other Consumer | Satisfactory    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 13,006 12,411
Home Equity and Other Consumer | Special mention    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
Home Equity and Other Consumer | Substandard    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 253 159
Home Equity and Other Consumer | Doubtful    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
Home Equity and Other Consumer | Loss    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
Multi-Family Real Estate Loans    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 1,203 2,084
Multi-Family Real Estate Loans | Satisfactory    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 1,203 2,084
Multi-Family Real Estate Loans | Special mention    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
Multi-Family Real Estate Loans | Substandard    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
Multi-Family Real Estate Loans | Doubtful    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
Multi-Family Real Estate Loans | Loss    
Financing Receivable, Recorded Investment [Line Items]    
Total Loans $ 0 $ 0
XML 40 R29.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and Allowance for Loan Losses (Details 3) - USD ($)
$ in Thousands
Sep. 30, 2018
Dec. 31, 2017
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due $ 1,094 $ 1,003
Current 116,300 104,052
Total Loans Receivable 117,394 105,055
Recorded Investment 90 Days and Accruing 0 0
30-59 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 497 212
60-89 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
90 Days Past Due or More    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 597 791
Residential | Mortgage loans    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 1,055 807
Current 63,635 52,875
Total Loans Receivable 64,690 53,682
Recorded Investment 90 Days and Accruing 0 0
Residential | Mortgage loans | 30-59 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 497 173
Residential | Mortgage loans | 60-89 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Residential | Mortgage loans | 90 Days Past Due or More    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 558 634
Residential | Construction loans    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Current 10,060 10,362
Total Loans Receivable 10,060 10,362
Recorded Investment 90 Days and Accruing 0 0
Residential | Construction loans | 30-59 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Residential | Construction loans | 60-89 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Residential | Construction loans | 90 Days Past Due or More    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Residential | Mortgage loans, non-owner occupied    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Current 6,304 7,082
Total Loans Receivable 6,304 7,082
Recorded Investment 90 Days and Accruing 0 0
Residential | Mortgage loans, non-owner occupied | 30-59 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Residential | Mortgage loans, non-owner occupied | 60-89 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Residential | Mortgage loans, non-owner occupied | 90 Days Past Due or More    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Commercial | Commercial real estate and land loans    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 157
Current 16,027 13,582
Total Loans Receivable 16,027 13,739
Recorded Investment 90 Days and Accruing 0 0
Commercial | Commercial real estate and land loans | 30-59 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Commercial | Commercial real estate and land loans | 60-89 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Commercial | Commercial real estate and land loans | 90 Days Past Due or More    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 157
Commercial | Commercial loans    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Current 5,851 5,536
Total Loans Receivable 5,851 5,536
Recorded Investment 90 Days and Accruing 0 0
Commercial | Commercial loans | 30-59 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Commercial | Commercial loans | 60-89 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Commercial | Commercial loans | 90 Days Past Due or More    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Home equity and other consumer    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 39 39
Current 13,220 12,531
Total Loans Receivable 13,259 12,570
Recorded Investment 90 Days and Accruing 0 0
Home equity and other consumer | 30-59 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 39
Home equity and other consumer | 60-89 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Home equity and other consumer | 90 Days Past Due or More    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 39 0
Multi-family real estate loans    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Current 1,203 2,084
Total Loans Receivable 1,203 2,084
Recorded Investment 90 Days and Accruing 0 0
Multi-family real estate loans | 30-59 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Multi-family real estate loans | 60-89 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Multi-family real estate loans | 90 Days Past Due or More    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due $ 0 $ 0
XML 41 R30.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and Allowance for Loan Losses (Details 4) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2018
Sep. 30, 2017
Sep. 30, 2018
Sep. 30, 2017
Dec. 31, 2017
Loans with an allocated allowance:          
Recorded Balance Total $ 277 $ 849 $ 277 $ 849 $ 795
Unpaid Principal Balance Total 277 849 277 849 795
Allocated Allowance Total 4 195 4 195 202
Average Investment in Impaired Loans Total 391 888 626 966 847
Interest Income Recognized Total 4 8 20 29 41
Residential | Mortgage loans          
Loans without an allocated allowance:          
Recorded Balance 0 0 0 0 0
Unpaid Principal Balance 0 0 0 0 0
Average Investment in Impaired Loans 0 0 0 0 0
Interest Income Recognized 0 0 0 0 0
Loans with an allocated allowance:          
Unpaid Principal Balance 75 142 75 142 142
Recorded Balance 75 142 75 142 142
Average Investment in Impaired Loans 75 143 112 144 143
Interest Income Recognized 1 1 3 5 7
Allocated Allowance Total 4 22 4 22 22
Residential | Construction loans          
Loans without an allocated allowance:          
Recorded Balance 0 0 0 0 0
Unpaid Principal Balance 0 0 0 0 0
Average Investment in Impaired Loans 0 0 0 0 0
Interest Income Recognized 0 0 0 0 0
Loans with an allocated allowance:          
Unpaid Principal Balance 0 0 0 0 0
Recorded Balance 0 0 0 0 0
Average Investment in Impaired Loans 0 0 0 0 0
Interest Income Recognized 0 0 0 0 0
Allocated Allowance Total 0 0 0 0 0
Residential | Mortgage loans, non-owner occupied          
Loans without an allocated allowance:          
Recorded Balance 191 60 191 60 0
Unpaid Principal Balance 191 60 191 60 0
Average Investment in Impaired Loans 192 65 193 93 0
Interest Income Recognized 3 1 8 3 0
Loans with an allocated allowance:          
Unpaid Principal Balance 0 198 0 198 196
Recorded Balance 0 198 0 198 196
Average Investment in Impaired Loans 0 199 0 200 199
Interest Income Recognized 0 2 0 7 13
Allocated Allowance Total 0 34 0 34 32
Commercial | Commercial real estate and land loans          
Loans without an allocated allowance:          
Recorded Balance 0 148 0 148 0
Unpaid Principal Balance 0 148 0 148 0
Average Investment in Impaired Loans 113 180 144 214 0
Interest Income Recognized 0 0 0 1 0
Loans with an allocated allowance:          
Unpaid Principal Balance 0 0 0 0 157
Recorded Balance 0 0 0 0 157
Average Investment in Impaired Loans 0 0 0 0 192
Interest Income Recognized 0 0 0 0 1
Allocated Allowance Total 0 0 0 0 10
Commercial | Commercial loans          
Loans without an allocated allowance:          
Recorded Balance 0 0 0 0 0
Unpaid Principal Balance 0 0 0 0 0
Average Investment in Impaired Loans 0 0 0 0 0
Interest Income Recognized 0 0 0 0 0
Loans with an allocated allowance:          
Unpaid Principal Balance 0 301 0 301 300
Recorded Balance 0 301 0 301 300
Average Investment in Impaired Loans 0 301 166 315 313
Interest Income Recognized 0 4 9 13 17
Allocated Allowance Total 0 139 0 139 138
Home equity and other consumer          
Loans without an allocated allowance:          
Recorded Balance 11 0 11 0 0
Unpaid Principal Balance 11 0 11 0 0
Average Investment in Impaired Loans 11 0 11 0 0
Interest Income Recognized 0 0 0 0 0
Loans with an allocated allowance:          
Unpaid Principal Balance 0 0 0 0 0
Recorded Balance 0 0 0 0 0
Average Investment in Impaired Loans 0 0 0 0 0
Interest Income Recognized 0 0 0 0 0
Allocated Allowance Total 0 0 0 0 0
Multi-family real estate loans          
Loans without an allocated allowance:          
Recorded Balance 0 0 0 0 0
Unpaid Principal Balance 0 0 0 0 0
Average Investment in Impaired Loans 0 0 0 0 0
Interest Income Recognized 0 0 0 0 0
Loans with an allocated allowance:          
Unpaid Principal Balance 0 0 0 0 0
Recorded Balance 0 0 0 0 0
Average Investment in Impaired Loans 0 0 0 0 0
Interest Income Recognized 0 0 0 0 3
Allocated Allowance Total $ 0 $ 0 $ 0 $ 0 $ 0
XML 42 R31.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and Allowance for Loan Losses (Details 5) - USD ($)
$ in Thousands
Sep. 30, 2018
Dec. 31, 2017
Financing Receivable, Modifications [Line Items]    
Nonaccrual loans, Total $ 597 $ 791
Residential | Mortgage loans    
Financing Receivable, Modifications [Line Items]    
Nonaccrual loans, Total 558 634
Residential | Construction loans    
Financing Receivable, Modifications [Line Items]    
Nonaccrual loans, Total 0 0
Residential | Mortgage loans, non-owner occupied    
Financing Receivable, Modifications [Line Items]    
Nonaccrual loans, Total 0 0
Commercial | Commercial real estate and land loans    
Financing Receivable, Modifications [Line Items]    
Nonaccrual loans, Total 0 157
Commercial | Commercial loans    
Financing Receivable, Modifications [Line Items]    
Nonaccrual loans, Total 0 0
Home equity and other consumer    
Financing Receivable, Modifications [Line Items]    
Nonaccrual loans, Total 39 0
Multi-family real estate loans    
Financing Receivable, Modifications [Line Items]    
Nonaccrual loans, Total $ 0 $ 0
XML 43 R32.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and Allowance for Loan Losses (Details 6)
$ in Thousands
9 Months Ended 12 Months Ended
Sep. 30, 2018
USD ($)
Contracts
Loan
Dec. 31, 2017
USD ($)
Contracts
Financing Receivable, Modifications [Line Items]    
Number of Contracts 6 6
Recorded Investment $ 277 $ 573
Residential | Mortgage loans    
Financing Receivable, Modifications [Line Items]    
Number of Contracts | Contracts 1 1
Recorded Investment $ 75 $ 77
Residential | Construction loans    
Financing Receivable, Modifications [Line Items]    
Number of Contracts | Contracts 0 0
Recorded Investment $ 0 $ 0
Residential | Mortgage loans, non-owner occupied    
Financing Receivable, Modifications [Line Items]    
Number of Contracts | Contracts 4 4
Recorded Investment $ 191 $ 196
Commercial | Commercial real estate and land loans    
Financing Receivable, Modifications [Line Items]    
Number of Contracts | Contracts 0 0
Recorded Investment $ 0 $ 0
Commercial | Commercial loans    
Financing Receivable, Modifications [Line Items]    
Number of Contracts | Contracts 0 1
Recorded Investment $ 0 $ 300
Home equity and other consumer    
Financing Receivable, Modifications [Line Items]    
Number of Contracts | Contracts 1 0
Recorded Investment $ 11 $ 0
Multi-family real estate loans    
Financing Receivable, Modifications [Line Items]    
Number of Contracts | Contracts 0 0
Recorded Investment $ 0 $ 0
XML 44 R33.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and Allowance for Loan Losses (Detail Textuals)
$ in Thousands
9 Months Ended 12 Months Ended
Sep. 30, 2018
USD ($)
Contracts
Loan
Plot
Dec. 31, 2017
USD ($)
Contracts
Loan
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Loans serviced for the benefit of others $ 1,871 $ 2,166
Number of loans 6 6
Total troubled debt restructurings $ 277 $ 573
Foreclosed real estate held for sale, net 217  
Additional troubled debt restructuring $ 11  
Home equity loan    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Number of loans | Loan 1  
Total troubled debt restructurings $ 11  
Residential    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Foreclosed real estate held for sale, net $ 90  
Number of plots in foreclosed real estate | Plot 1  
Residential | Mortgage loans and non-owner occupied loans    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Number of loans | Loan 5 5
Total troubled debt restructurings $ 266 $ 273
Troubled debt restructurings with the largest totaling 75 $ 195
Commercial    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Foreclosed real estate held for sale, net $ 127  
Number of plots in foreclosed real estate | Plot 1  
Commercial | Commercial loans    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Number of loans | Contracts 0 1
Total troubled debt restructurings   $ 300
XML 45 R34.htm IDEA: XBRL DOCUMENT v3.10.0.1
Employee Stock Ownership Plan ("ESOP") (Details) - USD ($)
$ in Thousands
Sep. 30, 2018
Dec. 31, 2017
Jul. 20, 2017
Employee Stock Ownership Plan [Abstract]      
Shares allocated to participants 4,838 6,451  
Shares released to participants 6,451 0  
Unreleased shares 117,735 122,573  
Total 129,024 129,024 129,024
Fair Value of Unreleased Shares $ 1,871,998 $ 1,982,005  
XML 46 R35.htm IDEA: XBRL DOCUMENT v3.10.0.1
Employee Stock Ownership Plan ("ESOP") (Detail Textuals) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2018
Sep. 30, 2018
Sep. 30, 2017
Dec. 31, 2017
Jul. 20, 2017
Employee Stock Ownership Plan [Abstract]          
Number of shares purchased through company borrowings 129,024 129,024   129,024 129,024
Employee stock ownership plan (ESOP), percentage of stock offering   8.00%      
Term of loan   20 years      
Vesting percentage of ESOP shares   20.00%      
Vesting term of ESOP shares   2 years      
ESOP compensation expense $ 26 $ 78 $ 51    
XML 47 R36.htm IDEA: XBRL DOCUMENT v3.10.0.1
Regulatory Matters (Details) - USD ($)
$ in Thousands
Sep. 30, 2018
Jun. 30, 2018
Dec. 31, 2017
Sep. 30, 2017
Jun. 30, 2017
Dec. 31, 2016
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]            
Equity $ 14,108   $ 13,817      
Allowance for loan losses (in dollars) 1,189 $ 1,167 1,181 $ 1,167 $ 1,229 $ 1,137
Eagle Financial Bancorp, Inc.            
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]            
Equity 20,646   20,197      
Allowance for loan losses (in dollars) 1,189   1,181      
Total Risk-Based Capital (to Risk Weighted Assets) Actual Amount $ 21,835   $ 21,378      
Total Risk-Based Capital (to Risk Weighted Assets) Actual Ratio 16.90%   18.00%      
Total Risk-Based Capital (to Risk Weighted Assets) Minimum Capital Requirement Amount $ 10,345   $ 9,498      
Total Risk-Based Capital (to Risk Weighted Assets) Minimum Capital Requirement Ratio 8.00%   8.00%      
Total Risk-Based Capital (to Risk Weighted Assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Amount $ 12,931   $ 11,873      
Total Risk-Based Capital (to Risk Weighted Assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Ratio 10.00%   10.00%      
Tier I Capital (to Risk Weighted Assets) Actual Amount $ 20,646   $ 20,197      
Tier I Capital (to Risk Weighted Assets) Actual Ratio 16.00%   17.00%      
Tier I Capital (to Risk Weighted Assets) Minimum Capital Requirement Amount $ 7,759   $ 7,124      
Tier I Capital (to Risk Weighted Assets) Minimum Capital Requirement Ratio 6.00%   6.00%      
Tier I Capital (to Risk Weighted Assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Amount $ 10,345   $ 9,498      
Tier I Capital (to Risk Weighted Assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Ratio 8.00%   8.00%      
Common Equity Tier I Capital (to Risk Weighted Assets) Actual Amount $ 20,646   $ 20,197      
Common Equity Tier I Capital (to Risk Weighted Assets) Actual Ratio 16.00%   17.00%      
Common Equity Tier I Capital (to Risk Weighted Assets) Minimum Capital Requirement Amount $ 5,819   $ 5,343      
Common Equity Tier I Capital (to Risk Weighted Assets) Minimum Capital Requirement Ratio 4.50%   4.50%      
Common Equity Tier I Capital (to Risk Weighted Assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Amount $ 8,405   $ 7,717      
Common Equity Tier I Capital (to Risk Weighted Assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Ratio 6.50%   6.50%      
Tier I Capital (to Average Assets) Actual Amount $ 20,646   $ 20,197      
Tier I Capital (to Average Assets) Actual Ratio 15.20%   15.60%      
Tier I Capital (to Average Assets) Minimum Capital Requirement Amount $ 5,433   $ 5,187      
Tier I Capital (to Average Assets) Minimum Capital Requirement Ratio 4.00%   4.00%      
Tier I Capital (to Average Assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Amount $ 6,791   $ 6,484      
Tier I Capital (to Average Assets) Minimum To Be Well Capitalized Under Prompt Corrective Action Ratio 5.00%   5.00%      
XML 48 R37.htm IDEA: XBRL DOCUMENT v3.10.0.1
Disclosure About Fair Values of Assets and Liabilities (Details) - Fair Value, Measurements, Nonrecurring - USD ($)
$ in Thousands
Sep. 30, 2018
Dec. 31, 2017
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired loans (collateral dependent) $ 273 $ 593
Foreclosed assets held for sale 217  
Level 1    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired loans (collateral dependent) 0 0
Foreclosed assets held for sale 0  
Level 2    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired loans (collateral dependent) 0 0
Foreclosed assets held for sale 0  
Level 3    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired loans (collateral dependent) 273 $ 593
Foreclosed assets held for sale $ 217  
XML 49 R38.htm IDEA: XBRL DOCUMENT v3.10.0.1
Disclosure About Fair Values of Assets and Liabilities (Details 1) - Fair Value, Measurements, Nonrecurring
$ in Thousands
Sep. 30, 2018
USD ($)
Dec. 31, 2017
USD ($)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired loans (collateral dependent) $ 273 $ 593
Foreclosed assets held for sale 217  
Level 3    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired loans (collateral dependent) 273 $ 593
Foreclosed assets held for sale $ 217  
Level 3 | Minimum | Marketability discount | Market comparable properties    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired loans (collateral dependent) measurement input 10 10
Foreclosed assets held for sale measurement input 10  
Level 3 | Maximum | Marketability discount | Market comparable properties    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired loans (collateral dependent) measurement input 15 15
Foreclosed assets held for sale measurement input 15  
XML 50 R39.htm IDEA: XBRL DOCUMENT v3.10.0.1
Disclosure About Fair Values of Assets and Liabilities (Details 2) - USD ($)
$ in Thousands
Sep. 30, 2018
Dec. 31, 2017
Carrying Amount    
Financial Assets    
Cash and cash equivalents $ 9,448 $ 15,350
Interest-bearing time deposits 4,233 5,079
Loans held for sale 2,228 3,336
Loans, net of allowance for losses 110,779 96,529
FHLB stock 754 736
FHLB lender risk account receivable 3,278 3,168
Interest receivable 354 287
Financial Liabilities    
Deposits 107,372 101,118
FHLB advances 0 9
Advances from borrowers for taxes and insurance 622 866
Interest payable 1 1
Fair Value    
Financial Assets    
Cash and cash equivalents 9,448 15,350
Interest-bearing time deposits 4,233 5,079
Loans held for sale 2,228 3,336
Loans, net of allowance for losses 111,233 98,470
FHLB stock 754 736
FHLB lender risk account receivable 3,207 3,174
Interest receivable 354 287
Financial Liabilities    
Deposits 106,703 100,728
FHLB advances 0 9
Advances from borrowers for taxes and insurance 622 866
Interest payable 1 1
Level 1    
Financial Assets    
Cash and cash equivalents 9,448 15,350
Interest-bearing time deposits 4,233 5,079
Loans held for sale 0 0
Loans, net of allowance for losses 0 0
FHLB stock 0 0
FHLB lender risk account receivable 0 0
Interest receivable 0 0
Financial Liabilities    
Deposits 61,265 59,415
FHLB advances 0 0
Advances from borrowers for taxes and insurance 0 0
Interest payable 0 0
Level 2    
Financial Assets    
Cash and cash equivalents 0 0
Interest-bearing time deposits 0 0
Loans held for sale 0 0
Loans, net of allowance for losses 0 0
FHLB stock 754 736
FHLB lender risk account receivable 0 0
Interest receivable 354 287
Financial Liabilities    
Deposits 45,438 41,313
FHLB advances 0 9
Advances from borrowers for taxes and insurance 622 866
Interest payable 1 1
Level 3    
Financial Assets    
Cash and cash equivalents 0 0
Interest-bearing time deposits 0 0
Loans held for sale 2,228 3,336
Loans, net of allowance for losses 111,233 98,470
FHLB stock 0 0
FHLB lender risk account receivable 3,207 3,174
Interest receivable 0 0
Financial Liabilities    
Deposits 0 0
FHLB advances 0 0
Advances from borrowers for taxes and insurance 0 0
Interest payable $ 0 $ 0
XML 51 R40.htm IDEA: XBRL DOCUMENT v3.10.0.1
Disclosure About Fair Values of Assets and Liabilities (Detail Textuals) - USD ($)
$ in Thousands
9 Months Ended 12 Months Ended
Sep. 30, 2018
Dec. 31, 2017
Fair Value Disclosures [Abstract]    
Fair value adjustments, allocated allowances and charge-offs, on impaired loans and foreclosed assets held for sale $ 103 $ 6
XML 52 R41.htm IDEA: XBRL DOCUMENT v3.10.0.1
Commitments and Credit Risk (Details) - USD ($)
$ in Thousands
Sep. 30, 2018
Dec. 31, 2017
Line of Credit Facility [Line Items]    
Total commitments $ 16,562 $ 14,814
Unused lines of credit    
Line of Credit Facility [Line Items]    
Total commitments 4,322 3,509
Unused home equity lines    
Line of Credit Facility [Line Items]    
Total commitments $ 12,240 $ 11,305
XML 53 R42.htm IDEA: XBRL DOCUMENT v3.10.0.1
Commitments and Credit Risk (Detail Textuals)
$ in Thousands
9 Months Ended 12 Months Ended
Sep. 30, 2018
USD ($)
Loan
Dec. 31, 2017
USD ($)
Other Commitments [Line Items]    
Number of loans | Loan 1  
Loans approved but not yet originated with fixed interest rate $ 106 $ 810
Term of fixed rate loan 30 years  
Loans approved but not yet originated with fixed interest rate percentage 4.625%  
Undisbursed loans in process $ 5,457 $ 7,411
Minimum    
Other Commitments [Line Items]    
Loans approved but not yet originated with variable interest rate percentage 3.125% 3.125%
Loans approved but not yet originated with fixed interest rate percentage 4.375% 4.375%
Maximum    
Other Commitments [Line Items]    
Loans approved but not yet originated with variable interest rate percentage 4.50% 3.50%
Loans approved but not yet originated with fixed interest rate percentage 5.73% 4.625%
Home equity loan    
Other Commitments [Line Items]    
Number of loans | Loan 2  
Loans approved but not yet originated with fixed interest rate $ 532  
Loans approved but not yet originated with fixed interest rate percentage 6.25%  
Residential real estate | One-to four-family    
Other Commitments [Line Items]    
Loans approved but not yet originated with variable interest rate percentage   3.25%
Loans approved but not yet originated with fixed interest rate   $ 202
Term of fixed rate loan   30 years
Loans approved but not yet originated with fixed interest rate percentage   3.875%
Description of adjustable interest rate   5/1 adjustable rate
Loans approved but not yet originated with variable interest rate   $ 608
XML 54 R43.htm IDEA: XBRL DOCUMENT v3.10.0.1
Equity Incentive Plan (Detail Textuals) - USD ($)
$ / shares in Units, $ in Thousands
1 Months Ended 3 Months Ended 9 Months Ended
Jul. 20, 2017
Sep. 30, 2018
Sep. 30, 2018
Sep. 30, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Number of common stock may be issued 1,612,808     1,612,808
Equity Incentive Plan 2018        
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Number of shares authorized for issuance   225,792 225,792  
Number of stock options exercised     161,280  
Expected volatility rate     24.56%  
Risk free interest rate     3.01%  
Expected term     7 years 6 months  
Weighted average grant-date fair value of options     $ 5.57  
Compensation cost recognized for share-based payment   $ 6 $ 6  
Total unrecognized compensation cost related to unvested share-based compensation granted   $ 378 $ 378  
Expected to be recognized over remaining period     5 years  
Equity Incentive Plan 2018 | Board of Directors        
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Number of stock options granted     32,255  
Exercise price     $ 15.89  
Expiration Period     10 years  
Equity Incentive Plan 2018 | Restricted stock        
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Number of common stock may be issued     64,512  
Equity Incentive Plan 2018 | Restricted stock | Board of Directors        
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Number of restricted stock awarded     $ 12,900  
Vesting period     5 years  
EXCEL 55 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx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end XML 56 Show.js IDEA: XBRL DOCUMENT // Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission. Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105. var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0); e.removeAttribute('id');a.parentNode.appendChild(e)}} if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'} e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}} XML 57 report.css IDEA: XBRL DOCUMENT /* Updated 2009-11-04 */ /* v2.2.0.24 */ /* DefRef Styles */ ..report table.authRefData{ background-color: #def; border: 2px solid #2F4497; font-size: 1em; position: absolute; } ..report table.authRefData a { display: block; font-weight: bold; } ..report table.authRefData p { margin-top: 0px; } ..report table.authRefData .hide { background-color: #2F4497; padding: 1px 3px 0px 0px; text-align: right; } ..report table.authRefData .hide a:hover { background-color: #2F4497; } ..report table.authRefData .body { height: 150px; overflow: auto; width: 400px; } ..report table.authRefData table{ font-size: 1em; } /* Report Styles */ ..pl a, .pl a:visited { color: black; text-decoration: none; } /* table */ ..report { background-color: white; border: 2px solid #acf; clear: both; color: black; font: normal 8pt Helvetica, Arial, san-serif; margin-bottom: 2em; } ..report hr { border: 1px solid #acf; } /* Top labels */ ..report th { background-color: #acf; color: black; font-weight: bold; text-align: center; } ..report th.void { background-color: transparent; color: #000000; font: bold 10pt Helvetica, Arial, san-serif; text-align: left; } ..report .pl { text-align: left; vertical-align: top; white-space: normal; width: 200px; white-space: normal; /* word-wrap: break-word; */ } ..report td.pl a.a { cursor: pointer; display: block; width: 200px; overflow: hidden; } ..report td.pl div.a { width: 200px; } ..report td.pl a:hover { background-color: #ffc; } /* Header rows... */ ..report tr.rh { background-color: #acf; color: black; font-weight: bold; } /* Calendars... */ ..report .rc { background-color: #f0f0f0; } /* Even rows... */ ..report .re, .report .reu { background-color: #def; } ..report .reu td { border-bottom: 1px solid black; } /* Odd rows... */ ..report .ro, .report .rou { background-color: white; } ..report .rou td { border-bottom: 1px solid black; } ..report .rou table td, .report .reu table td { border-bottom: 0px solid black; } /* styles for footnote marker */ ..report .fn { white-space: nowrap; } /* styles for numeric types */ ..report .num, .report .nump { text-align: right; white-space: nowrap; } ..report .nump { padding-left: 2em; } ..report .nump { padding: 0px 0.4em 0px 2em; } /* styles for text types */ ..report .text { text-align: left; white-space: normal; } ..report .text .big { margin-bottom: 1em; width: 17em; } ..report .text .more { display: none; } ..report .text .note { font-style: italic; font-weight: bold; } ..report .text .small { width: 10em; } ..report sup { font-style: italic; } ..report .outerFootnotes { font-size: 1em; } XML 59 FilingSummary.xml IDEA: XBRL DOCUMENT 3.10.0.1 html 288 270 1 false 41 0 false 7 false false R1.htm 001 - Document - Document and Entity Information Sheet http://www.eaglesavings.com/role/DocumentAndEntityInformation Document and Entity Information Cover 1 false false R2.htm 002 - Statement - Condensed Consolidated Balance Sheets Sheet http://www.eaglesavings.com/role/CondensedConsolidatedBalanceSheets Condensed Consolidated Balance Sheets Statements 2 false false R3.htm 003 - Statement - Condensed Consolidated Balance Sheets (Parentheticals) Sheet http://www.eaglesavings.com/role/CondensedConsolidatedBalanceSheetsParentheticals Condensed Consolidated Balance Sheets (Parentheticals) Statements 3 false false R4.htm 004 - Statement - Condensed Consolidated Statements of Operations and Comprehensive Income (Loss) (Unaudited) Sheet http://www.eaglesavings.com/role/CondensedConsolidatedStatementsOfOperationsAndComprehensiveIncomeLossUnaudited Condensed Consolidated Statements of Operations and Comprehensive Income (Loss) (Unaudited) Statements 4 false false R5.htm 005 - Statement - Condensed Consolidated Statements of Shareholders' Equity (Unaudited) Sheet http://www.eaglesavings.com/role/CondensedConsolidatedStatementsOfShareholdersEquity Condensed Consolidated Statements of Shareholders' Equity (Unaudited) Statements 5 false false R6.htm 006 - Statement - Condensed Consolidated Statements of Shareholders' Equity (Parentheticals) (Unaudited) Sheet http://www.eaglesavings.com/role/CondensedConsolidatedStatementsOfShareholdersEquityParentheticalsUnaudited Condensed Consolidated Statements of Shareholders' Equity (Parentheticals) (Unaudited) Statements 6 false false R7.htm 007 - Statement - Condensed Consolidated Statements of Cash Flows (Unaudited) Sheet http://www.eaglesavings.com/role/CondensedConsolidatedStatementsOfCashFlowsUnaudited Condensed Consolidated Statements of Cash Flows (Unaudited) Statements 7 false false R8.htm 008 - Disclosure - Nature of Operations and Summary of Significant Accounting Policies Sheet http://www.eaglesavings.com/role/NatureOfOperationsAndSummaryOfSignificantAccountingPolicies Nature of Operations and Summary of Significant Accounting Policies Notes 8 false false R9.htm 009 - Disclosure - Earnings Per Common Share Sheet http://www.eaglesavings.com/role/EarningsPerCommonShare Earnings Per Common Share Notes 9 false false R10.htm 010 - Disclosure - Loans and Allowance for Loan Losses Sheet http://www.eaglesavings.com/role/LoansAndAllowanceForLoanLosses Loans and Allowance for Loan Losses Notes 10 false false R11.htm 011 - Disclosure - Employee Stock Ownership Plan ("ESOP") Sheet http://www.eaglesavings.com/role/EmployeeStockOwnershipPlanEsop Employee Stock Ownership Plan ("ESOP") Notes 11 false false R12.htm 012 - Disclosure - Regulatory Matters Sheet http://www.eaglesavings.com/role/RegulatoryMatters Regulatory Matters Notes 12 false false R13.htm 013 - Disclosure - Disclosure About Fair Values of Assets and Liabilities Sheet http://www.eaglesavings.com/role/DisclosureAboutFairValuesOfAssetsAndLiabilities Disclosure About Fair Values of Assets and Liabilities Notes 13 false false R14.htm 014 - Disclosure - Commitments and Credit Risk Sheet http://www.eaglesavings.com/role/CommitmentsAndCreditRisk Commitments and Credit Risk Notes 14 false false R15.htm 015 - Disclosure - Equity Incentive Plan Sheet http://www.eaglesavings.com/role/EquityIncentivePlan Equity Incentive Plan Notes 15 false false R16.htm 016 - Disclosure - Recent Accounting Pronouncements Sheet http://www.eaglesavings.com/role/RecentAccountingPronouncements Recent Accounting Pronouncements Notes 16 false false R17.htm 017 - Disclosure - Nature of Operations and Summary of Significant Accounting Policies (Policies) Sheet http://www.eaglesavings.com/role/NatureofOperationsandSummaryofSignificantAccountingPoliciesPolicies Nature of Operations and Summary of Significant Accounting Policies (Policies) Policies http://www.eaglesavings.com/role/NatureOfOperationsAndSummaryOfSignificantAccountingPolicies 17 false false R18.htm 018 - Disclosure - Earnings Per Common Share (Tables) Sheet http://www.eaglesavings.com/role/EarningsPerCommonShareTables Earnings Per Common Share (Tables) Tables http://www.eaglesavings.com/role/EarningsPerCommonShare 18 false false R19.htm 019 - Disclosure - Loans and Allowance for Loan Losses (Tables) Sheet http://www.eaglesavings.com/role/LoansAndAllowanceForLoanLossesTables Loans and Allowance for Loan Losses (Tables) Tables http://www.eaglesavings.com/role/LoansAndAllowanceForLoanLosses 19 false false R20.htm 020 - Disclosure - Employee Stock Ownership Plan ("ESOP") (Tables) Sheet http://www.eaglesavings.com/role/EmployeeStockOwnershipPlanESOPTables Employee Stock Ownership Plan ("ESOP") (Tables) Tables http://www.eaglesavings.com/role/EmployeeStockOwnershipPlanEsop 20 false false R21.htm 021 - Disclosure - Regulatory Matters (Tables) Sheet http://www.eaglesavings.com/role/RegulatoryMattersTables Regulatory Matters (Tables) Tables http://www.eaglesavings.com/role/RegulatoryMatters 21 false false R22.htm 022 - Disclosure - Disclosure About Fair Values of Assets and Liabilities (Tables) Sheet http://www.eaglesavings.com/role/DisclosureAboutFairValuesOfAssetsAndLiabilitiesTables Disclosure About Fair Values of Assets and Liabilities (Tables) Tables http://www.eaglesavings.com/role/DisclosureAboutFairValuesOfAssetsAndLiabilities 22 false false R23.htm 023 - Disclosure - Commitments and Credit Risk (Tables) Sheet http://www.eaglesavings.com/role/CommitmentsandCreditRiskTables Commitments and Credit Risk (Tables) Tables http://www.eaglesavings.com/role/CommitmentsAndCreditRisk 23 false false R24.htm 024 - Disclosure - Nature of Operations and Summary of Significant Accounting Policies (Detail Textuals) Sheet http://www.eaglesavings.com/role/NatureOfOperationsAndSummaryOfSignificantAccountingPoliciesDetailTextuals Nature of Operations and Summary of Significant Accounting Policies (Detail Textuals) Details http://www.eaglesavings.com/role/NatureofOperationsandSummaryofSignificantAccountingPoliciesPolicies 24 false false R25.htm 025 - Disclosure - Earnings Per Common Share (Details) Sheet http://www.eaglesavings.com/role/EarningsPerCommonShareDetails Earnings Per Common Share (Details) Details http://www.eaglesavings.com/role/EarningsPerCommonShareTables 25 false false R26.htm 026 - Disclosure - Loans and Allowance for Loan Losses (Details) Sheet http://www.eaglesavings.com/role/LoansandAllowanceforLoanLossesDetails Loans and Allowance for Loan Losses (Details) Details http://www.eaglesavings.com/role/LoansAndAllowanceForLoanLossesTables 26 false false R27.htm 027 - Disclosure - Loans and Allowance for Loan Losses (Details 1) Sheet http://www.eaglesavings.com/role/LoansandAllowanceforLoanLossesDetails1 Loans and Allowance for Loan Losses (Details 1) Details http://www.eaglesavings.com/role/LoansAndAllowanceForLoanLossesTables 27 false false R28.htm 028 - Disclosure - Loans and Allowance for Loan Losses (Details 2) Sheet http://www.eaglesavings.com/role/LoansAndAllowanceForLoanLossesDetails2 Loans and Allowance for Loan Losses (Details 2) Details http://www.eaglesavings.com/role/LoansAndAllowanceForLoanLossesTables 28 false false R29.htm 029 - Disclosure - Loans and Allowance for Loan Losses (Details 3) Sheet http://www.eaglesavings.com/role/LoansAndAllowanceForLoanLossesDetails3 Loans and Allowance for Loan Losses (Details 3) Details http://www.eaglesavings.com/role/LoansAndAllowanceForLoanLossesTables 29 false false R30.htm 030 - Disclosure - Loans and Allowance for Loan Losses (Details 4) Sheet http://www.eaglesavings.com/role/LoansAndAllowanceForLoanLossesDetails4 Loans and Allowance for Loan Losses (Details 4) Details http://www.eaglesavings.com/role/LoansAndAllowanceForLoanLossesTables 30 false false R31.htm 031 - Disclosure - Loans and Allowance for Loan Losses (Details 5) Sheet http://www.eaglesavings.com/role/LoansAndAllowanceForLoanLossesDetails5 Loans and Allowance for Loan Losses (Details 5) Details http://www.eaglesavings.com/role/LoansAndAllowanceForLoanLossesTables 31 false false R32.htm 032 - Disclosure - Loans and Allowance for Loan Losses (Details 6) Sheet http://www.eaglesavings.com/role/LoansAndAllowanceForLoanLossesDetails6 Loans and Allowance for Loan Losses (Details 6) Details http://www.eaglesavings.com/role/LoansAndAllowanceForLoanLossesTables 32 false false R33.htm 033 - Disclosure - Loans and Allowance for Loan Losses (Detail Textuals) Sheet http://www.eaglesavings.com/role/LoansAndAllowanceForLoanLossesDetailTextuals Loans and Allowance for Loan Losses (Detail Textuals) Details http://www.eaglesavings.com/role/LoansAndAllowanceForLoanLossesTables 33 false false R34.htm 034 - Disclosure - Employee Stock Ownership Plan ("ESOP") (Details) Sheet http://www.eaglesavings.com/role/EmployeeStockOwnershipPlanEsopDetails Employee Stock Ownership Plan ("ESOP") (Details) Details http://www.eaglesavings.com/role/EmployeeStockOwnershipPlanESOPTables 34 false false R35.htm 035 - Disclosure - Employee Stock Ownership Plan ("ESOP") (Detail Textuals) Sheet http://www.eaglesavings.com/role/EmployeeStockOwnershipPlanEsopDetailTextuals Employee Stock Ownership Plan ("ESOP") (Detail Textuals) Details http://www.eaglesavings.com/role/EmployeeStockOwnershipPlanESOPTables 35 false false R36.htm 036 - Disclosure - Regulatory Matters (Details) Sheet http://www.eaglesavings.com/role/RegulatoryMattersDetails Regulatory Matters (Details) Details http://www.eaglesavings.com/role/RegulatoryMattersTables 36 false false R37.htm 037 - Disclosure - Disclosure About Fair Values of Assets and Liabilities (Details) Sheet http://www.eaglesavings.com/role/DisclosureAboutFairValuesOfAssetsAndLiabilitiesDetails Disclosure About Fair Values of Assets and Liabilities (Details) Details http://www.eaglesavings.com/role/DisclosureAboutFairValuesOfAssetsAndLiabilitiesTables 37 false false R38.htm 038 - Disclosure - Disclosure About Fair Values of Assets and Liabilities (Details 1) Sheet http://www.eaglesavings.com/role/DisclosureAboutFairValuesOfAssetsAndLiabilitiesDetails1 Disclosure About Fair Values of Assets and Liabilities (Details 1) Details http://www.eaglesavings.com/role/DisclosureAboutFairValuesOfAssetsAndLiabilitiesTables 38 false false R39.htm 039 - Disclosure - Disclosure About Fair Values of Assets and Liabilities (Details 2) Sheet http://www.eaglesavings.com/role/DisclosureAboutFairValuesOfAssetsAndLiabilitiesDetails2 Disclosure About Fair Values of Assets and Liabilities (Details 2) Details http://www.eaglesavings.com/role/DisclosureAboutFairValuesOfAssetsAndLiabilitiesTables 39 false false R40.htm 040 - Disclosure - Disclosure About Fair Values of Assets and Liabilities (Detail Textuals) Sheet http://www.eaglesavings.com/role/DisclosureAboutFairValuesOfAssetsAndLiabilitiesDetailTextuals Disclosure About Fair Values of Assets and Liabilities (Detail Textuals) Details http://www.eaglesavings.com/role/DisclosureAboutFairValuesOfAssetsAndLiabilitiesTables 40 false false R41.htm 041 - Disclosure - Commitments and Credit Risk (Details) Sheet http://www.eaglesavings.com/role/CommitmentsandCreditRiskDetails Commitments and Credit Risk (Details) Details http://www.eaglesavings.com/role/CommitmentsandCreditRiskTables 41 false false R42.htm 042 - Disclosure - Commitments and Credit Risk (Detail Textuals) Sheet http://www.eaglesavings.com/role/CommitmentsAndCreditRiskDetailTextuals Commitments and Credit Risk (Detail Textuals) Details http://www.eaglesavings.com/role/CommitmentsandCreditRiskTables 42 false false R43.htm 043 - Disclosure - Equity Incentive Plan (Detail Textuals) Sheet http://www.eaglesavings.com/role/EquityIncentivePlanDetailTextuals Equity Incentive Plan (Detail Textuals) Details http://www.eaglesavings.com/role/EquityIncentivePlan 43 false false All Reports Book All Reports efbi-20180930.xml efbi-20180930.xsd efbi-20180930_cal.xml efbi-20180930_def.xml efbi-20180930_lab.xml efbi-20180930_pre.xml http://fasb.org/srt/2018-01-31 http://fasb.org/us-gaap/2018-01-31 http://xbrl.sec.gov/dei/2018-01-31 true true ZIP 61 0001144204-18-058741-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0001144204-18-058741-xbrl.zip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�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


M4^>\+@Y>SM687:+USH/FBK=+1'#"K&H$J%:4G=\5N&BK,^8>H?+CDE-0HWR2 M[BHG5-,?%V)6O$%YC[X5?Y$?SAK]X6N\NESA.FC=E0"$?(1%#/9ZL8R2%4+E MVZ4YF!)&<"^<^NOKYAZAI.:&)MSRG5GB5Z&Z?PF2KYU8BUN)F.V!(^Z :P\>OEETR@*'E,V7:R^4J+? MQMOW;B89?J4'/=+!9CY8=U8DCQEB@X$Y3"\\Y7:&(N#D?BMNZ9B*/'D59N]R MP#3[>((CM ?U*7&W233Q.>" &ICK=@>-VFF(_7]@T">+%-E?4:T'3(CN;%8=?UX;_'453>AMFOY%( MCKHS<#!0NW*C10X_MIQQN*KL9A-Z42-H%^DVLU\F.WHC ,KGH/)8M[P@<^M2NS"A)X?#1)D!1V7,9L0<+2#K'2^8S MNGX]_7(K%;<#L"16^U*BY $T+50 MG:G'S3P+"!L"UKI>K*"%'Q59V5&J7F)'T5/Z%BTMDTW2F+X44!L[[FNJOX\&I'->UZ7\S!^H4U4 MT4)F T&'I[4K3>:TJ5^YJ-YF),@6NUTL0TP*EU[,JV$ORAI3]8,.!6M''+1) MX4FEH^-PJ0VYUE%Q>M4K-0>!C@YSZ:4(9)\3.S':VC0 OAF+C*M'@(H8'/ZU5M$#_.%Z%YS6P A]86TH"I(CN$48 MC4D1Y-OW4ZEK<@H,O^P,WO$WA_YT(+K]9V70S@GUQ?VA+TWA4X??7F5MG5E<'T M(A_P 2W7NA8]0X]U\HN$D.0;JTHAD0;M,8*S3MI3[83#"+4G]]\=M8O566%A MN _8?9C-Z#2.V6,J:88=K2B(O)L,$9QUY$<7H#F2*T DVGB5D43),H\*AW@C!64?>>C&2!P-P?J3Z5I'8K%:T*GY]KV5P!FP0->"4 MZ.9Q!,@+R]=.H+4.5P\;!Y]@#9TN&,O#Y$,*L!&T7&CV:@4ZY4&$G@&K)(_(2QNNZB-O*U/0?%V&*T]%LO,/@BSS% M,4K3*Y1."%Y6E16/X#Q1QE]$%$7@.5^.!6=I2KL [S,)&05+#(9$@\62%4^\#RB2@5S M%*QK-JT+7K7NC:X2774.14YK@.6Q,9[O3$=GB4C[ 2\3/F4%*T0%Q(-5(JF1 MF"9+_54BR"@0#R]9!9H]C5:$\?QD@J[;%4C6]>EW(/<&N#P0_0?TDD=,4E9? MPHP%&K1])K!@&N::C*=/DBOSP-.OE!]D/=EU M0W9UU3D]:HT+?+I(V",X8NJB]6 =7N&4Q;?G3&=-\NPFQ*3PNM![WJ:2Q&Y. M?=M:4#6?[3QU5#A9-PA=CC,=+5U.U@]XM2E(+%+J%(@\6%',((#+8G+,MTEG MC+,'G/[5]M(YF$=2V&-0S*PQNXM>N9:,Q@%87%KSTUEM9@,!+S]3KH@\\*:8 M/5B@Y9.0M_&$#HQ?R^>WVR[3NZ%M$;V[\R!PQ,*P+Y,T2[=/!E>QF!J+M=[ M *M7>\(7NQ/66W[49*5CP]:GBP0[ +$I[/CN2Q/3'2:GXM[T9W*-O MHJFP/;FH#9QNJCP6;3#=H9=ZUDP'HX.\G&H]:YV]P<7PP!N$&[X*=@E']/%@ MJR@C )*="(!P$P&0R", WF(D@,#2R_$(;5BL1N1# M@!P_$.:I<-8.X3!&J0&3.9KFK.;,X:38@3"A1\ 5CG)Z12N(J[.F+$?L72B- M/4X/]%-YH W,0NQCN,U6B*K7%.X3>C17Y.4$HY@M0>-1^Q2J4P^F%[KK[OHK M?3[5DW/<."9= :HS++!>;"1!-7'ZH3YSH):T^*\\C J7Q107']>7']LA@17N MNH&"NAA]*)4R#M/L*D>UMAGM,0+8JA5&<"D>875DH#F\)<-D6,(;!?N=<;(6(!4Y%F)DKV%LS3>5B M-/*]WN5H-$4%#VS_AKD;,&O>LPR.DK!?4,AF-!W%]!Y T"0G3*$K(C>,\CKT M1^MWMH<13B_\ 0?0]U?BEA /%15H@R.BL/X%HY_09![C?^0&]ZM6O@_L87 B ME(U1QA.?1$6MB]5%&+'#]W&.4/8;O=0N*36,1%$Q!+#/H:8TJ<'Y$.^SDR\4 M[B:WP>@6;R7%;:L#4SXR3;B@^TTXJ30[H]N$8@P_$MM,X'IP%:A1J.X*92&. M&#WR,!J"U7%0@Y;%-B@R,M8=MV^![ [PNEJ9D87NE%;"G:+)CR_)ZX_SFD%I$([8] ^W_D A5QLF"'E)*Z218AC M 3=VFP#IGP*:'1/V8*X.J"KRH[ CYK$\8I@1[7(>$IPQCM]0,2A34+Z@Q3,B MHJU.?P2@@!(>/3E;F!&.IKP$0&<9TYMN,[3@;63.Q@8*(6EH^W-)%F?F YNS MS\&5I7@^M_"RC1%AZ=;A"R-*Y7$[GU$Q+^I'4P6"XI+=7 R' @HR<7L=@E@7E5I>6LY0 S](+% M6&F(8*?\\(,GVPUL]WRY>R=S'N45<]F MCF9,B1/I,]8#!C!OL30H%;7IX>X9-\C ^NH=WF)95.^M%B5RI+'TXF[!"?!8>8YN5@V:/B7LUQ)1L1HO. $,PFM6AJSIX2S8NK/" MQ1[HV=V0TYK")1@O..FG/;*V<$GHX2S^NK/"M;X!Q ZVJW*0X 3&E@HN1H=$ MJ&3GEV[ISKO6@YW7XZL[H!BC2'>V'C X@3$ -ZT\UR)()36_]GC'V8%[5:2[ ME&\^EPOD'GTK_B33H_4&"$[Z:4'6N9)K$Z"2E\^]#C53I&:@Y^QQG3R%6$HW M09.,59@X7S#26A];BG&#$V^MR;7ILC4.=LKEM35'/+#0EG@;3'/DP3IN&IQX M9_J50=VPT+F!%[@$61G5--0@,XVGI!R:HSC%KZA\QY?*S6CV%'Z71T^*>O6N MEI@Q<>^9)1&$J)EZ5# Y8K,)<0"H ^N M-BGL\@JLVCMTAP N6F3#8 M1V0?L14:E%*_X+KLVER19F5A2',H7Z %%B#UP M8BM0MM\#+H#4DO35H(X/"I$NE6MM:8?C )=$:DFR.*C=J4A)%D;=*)ROD@QN M>Z#@-'ME1X3"AU"1HN0X?D7;*Y_6ZVVB3D A9O:\E4+Q(5RC-(./9L= RU-O M6=EOBYIO>%*T87_Y&F-I_%B]@:$BS/3XSI>5^H@],,P)CKWUTP5'IY^YVB : M"2J>K([$6$#T0;$\W(;7> T4A74/J#"O.CR70&G,2M;N,Q[ASC,>L]UG/("< M66_D'0]!SG[-$3U_OZ,#"?J-/+@P3D@V2R*T NQH/<0/*5PJ?L".GQHEQHL%<'QXQ4D#F'H3PS:]#9^16E17/!B=1F%:4+_14> E?D,G59+\/M%/) M&4N5]Y5CW%Y=5!Y0&%VGE']J81!W@G88-2P-J^VKF.M]$A>Q=Z/))%]B-)5?8#6Z0F7U-\QL$_A^ MW)"V6QR#:W 4;)M#Y>VW?@CL0_;C9=CJFG?'HF[3':IL"NS?28J_6HP"E:7? MV'77$+NSPP+F,B%"^QM)TO0R)&3%(GM5>?@&HT!EW=NRUTQ(!(!=W32628I9 M<$W']I8UA#(!SF9;V1L *D^_'0DYQEK_WO&YE(X8O;#,U&X)1_'[V[BH4)#: MG#G[ P0GL-;59H7C&&O]XZ7+PK&)B;.0BTW?X 36Z-FL2.S!K']'Z;(TW*/L M 2WI;0U-K36.HS&"4U@#9[/2P87K+LGF(&VJ6S&S)T/0[! T.P3-#D&S\#:# M(6AV")H=@F:'H%FE$WH(FAV"9H>@V2%H%LJ?-(3- H7- N[+0]!L-VX$0]#L M$#0[!,W"7U&&H-DN!,UV)$IJ")OM3-@LZ-5U")KM2M"LV^>0AK#9OH3-=L)R M-03-JHZ AH)F ;D_A,P.(;-&Y2&KH(2;,BBA EX&)SPD443_\"TDLN)MVF/X M$2YK!-<#5TC#\6ZP9E8S9IKM&'L@G45-EX_K92')8,1A3))7G-*Y"H$;H['X)&SPO)]:?!&?T/)Y)JP?KC0 =#NM"*@R@^A$@+0/,]'AZ M*5Z-9A?AE+W=:"LDQP-!!\KZ-8QRMNG1-K>+98@)LQ*<2$3'[8>" M4UAKJ0LY7MR$_;N0F.(6U$-ORNK;D,. >V/\XN[#Z M\#<[YM3C!:?=-!W;"9$U"7R(3^" =ZTVZ6@#W:S+X$R>]$C@R8LTYSO9M3>< M[-K3(;O6)+M6S_]>:-__13[63R[O#BS9"Z.Z3N=D(25)!]2-V]C>G' MZ93+6]XY]Y@JX(GO)"*N\(G8JKY)H9L[>@^GTY M'-.-4;GO;QM!9\]JL(//QWT('GBA'I>(G4I?V&4U41_=O.;0&;#6S!2!\>$^ M]I@_TUMF/ V)6$L7MH7.7K7G* ]))SU+Q@R]2O+G;)9'2F[N-X1.+K5FY3$, MV)N2X'[,PC7EU^!M"^B,3F-><.;OPX5%2Z>_TR@W9#80=*)E9YQV>Q1QMJIA M%%^ K*0>F,SV.T%(-XDW(_B&J M?AL=AI!\'DNU#^8AY-Y>*H:0^WZ)Q1!R/X3<#R'W0\C]$'+?1,B]NR4]!-P# M!=R#VK:'D'NP2\ 04C^$U \A]?"WDB&DO@LA]9VXFPP!]9T)J =.L1A"ZKL2 M4C^\AP7.;I"@^H[D6 UA]:ICH*&P^JY=B]-Q4>-\?=TSO_8>]^]TJ+W]O98/ MM.I1GAP&HT!'[IMP M5E\V)& ]N%KR$/],$?]:6T@$HT!G!#0C)!*P/F0,\"!?_R,/HZ?D-X+H_9H\ MSZ,J,U)G0&0C,2I V]@YZY9JSL:^1WKH*M#\>#3G]HS6O# ][ST&H3 MW([D!CI#PY[5]45G-[O#]VWG,B>,';5]>.4PT(D=(%*S@]T'[6?(XZ@I-);I M'/Y88HZIMZ?<4=(\9CB*SB<3DM..=?<>Z>#03UV![$A*BC260-JM#*)/0P:1 M2091^; ,FG)D3#^#2#5(/S.(-%!Y9S[U/(-(AZ7:>_"0060O%4,&4;_$8L@@ M&C*(A@RB(8-HR" :,HCZR-(A@VC((&KD$C!D$ T91$,&$?RM9,@@&C*(A@RB M(8-HR" :,HB&#*(A@VA_DQLRB%3'P!O)(*KN?G=V(9='W;N3/^3T5LO%"1:T M(C@%)(C_Q-G\/GE $55KMN$"$O=\O0$[F##$YR#G1*@%VH-[@S'^X_U7LH8NR]S6F':9C@FGK91A=A!'[K4OYXW\!*J6I.S(HIHL/ M\;_F)*:*';U&-+L7"C\"E1_5'7&4DJ:#?LGF);)XWH,2X3:>) M4!+ZRQXVR M>3)U*9.2ST!E6W5'*A7$Z>03-@J0CN\00BYT+_7*U0U"!OD-G)U-JW":B@I0 MDE9M ;':F?1IXO\EHLGKJ\9%#2C/JQMRQZ?'&]ST&K@NZ&O$0-E@W1!!*5G> MP$6AE6N"D1X,XS#HAC0J" -[06A<'EUM?[S%W$L'A#56SS[;N5!N M1P(CQNO][K*_U]KN+?NC!*>=*V;F;&=2X8VY$$*4!7,O2SWU4Z?AJJ=-1\Y_>))#G]S_0*/6I_J#L-]3^&^A]#_8^A_H<_[![J?PSU/]Y\_8\OR13/\*1@8WIG5P2$/T9W M*H$T?.,5P^_YJS:B-WRJ8 ZZ72X1F25D0>E!_Q&6L1NC6172(1&CVF-WL,2( M1!#XPN2$"*ZN*L<[4[(F2&")DA0F:(D.F-8C!$R P1,D.$S! A,T3( M#!$R0X3,$"'3A24]1,@,$3)#A,P0(=-% 1PB9(8(F2%"ICO.L"%"9HB0&2)D MA@B9(4)FB) 9(F2&")DA0F:(D!DB9$S$Y3YGRV,TH^=EX7E.3VO(S?%@/L3 MV*'VX/:A CY.TFSW%\>;>!UATA@=ZIV=-J5+DPP-WFXZ%63U1,?.PR@=0JUJ MAEJEXS#-KG)4*[!J;Q!OPJ@.4?7;GC@$3?%8.H1(#2%20XC4$"(UA$@-(5)> MA4B]I7 ,6-M"0PJ'%1V&X(L6@B\Z9VRP$Y4F@R_7-:"1K'<_2Y:H>#SI>JS4-EP<X1D5<\0=.;A%R@&,UP M-IH5F14\WNMTZT48%I<]G&-" RNPHN")4[US%E4KF:E' 3^T#!7V8\+6$*7C MP7H1"N90E/@4@%58!.>-.+SI+B0O]!=/21;285Y$)X_V -!17D[/("/4L.\+ M"AC_@)C:36X?ZLX=#*:J=13H(7;V *!;RU6E\HQ)LD0D6]W&V\EO,8FV ;W>P4D/+)6Z M.X$^9&?/];GEN+GFYJC,2*8^["CVP\$)STP=.K*C5.J5*+U M2V]?@KQ>+*-DA=!CEDS^*DR\Z1POQU$87Z?)P+$ M64J(]C@:5SL3BVJ=L.>+'^=4S&5GM=5X0-&7^EP1'-.V8+OI<9*OGPK- XI8 M/4VQ)%B/!12#:2T%=8#Z$&>C)_V/>;I$<8H<[1S[PP&%9[:T<1QA]<$Y)8=> M0KTM?K:6E=U!@"(W&Y:0 X3N3$',OM1%N;A:HRB!WX28_!%&N2SWPVH\H!C/ MAJ5%#-:9<:G32K]YWM6@^S>Q%7NIY1\@[*-J/T9DPACR@D:SPL-0-IO1Z4I< M-'7&]%#55P*&]OE:B0;S23RN/1+H"A,TR5B@Q!,B"SNYD S8-V6^-MJ.%O.1 M0RKWNS]0FJ'I5N;MA($_5M]4]CI H>OZU!0!9D2VW@J.ANF;]FV)T0^/KEPK MNDP6S'11L/#Z>V'%L-8A.6,!94\UK$KR@3;HY6WMEO: 7O*(2>+J2YBQNZ*Q M-\:-T%Z$\5]T9N?Q]&E.\"S3*(;Q2[]2=I$UB'5#YAO4+YWAZ%O %38D;!2LU28HT*D$,ZUB]:P691+A M:8&C\$8+LF/%C3M36\,A'_=%1HK=!YX+DU1ES8'N3?,%PLBCG&9Y@>0$Z56?@XAF.6%"Q1_1*[Z:0HD12E'V!RUZT(B@Z1(#V/3@Z_4JRR4ZNL@5P&8M6V+Z%"NU& M<,K<"L::8"P19OV;\RG]53A9 MJ<5#W!>ZRD6;4B*G@A]>"254N_W%;#SHTA?=$"H19:"SUAH1M*?D OV)HFC] M:_Q/Q,METN\,75H#0H0$9(#.>6M+7NKM3)H#0I??Z(A,"*C M&#&(%RSK1'UO$O2 KK#1BK1(L%?B\*N/XF"XWQB, EV3 U)L1/2H1.FSCZ)D M=3D6,FILC7OO2WI$T?#%2?L M%)R^!9N[%/Y&,'IN;1>"?&"$LI*.HF=P^A8LZ&H:;.2DY\9R,5(KKY[%<,'I M6S"H6Q)F(V8=JRMG@T>T\]0;,#CUV&Y>GS0; >JWX5Q- T,_G\UXP>D;,+I; M4V8C:5 V>>NMB@.HYEXE&C$X]=C^[H V&QGRPAA_A^@LPA>-*QF_0W#Z=LSJ M'.C;Z$D/A>$I.2__K6L?DO&';/L!;QZ6G/51P^G;LVD9$ MV8B6%U9M;>AUMROMD8/3MV/'KD.CC1SVVX MIX25]TY_K.#L#9B[K:BRD:Y^ M6\&-L;O:YM1#!V=OP([N@D@;4>QSE9TKG+)'0W*"SI^3/-L4>DU'LQ(IRQ+$ MX3..BM1XH!H\FVEMIYMJU.&1=0.HQ;.9#H^R7U#(YC<=Q0]HDA-2%IZY3V)2 M_?,B3+&R!H^S;P#7WE&P3K"L7:+O5"$/>UF[6*UQLQWSAM =#L63E: @CT%O MX H]3CFM$"8I$3P1$QY"804?@]Y !7T,>:@0 "D\_P0@W5TIRH?@-4< *@ID MR$M]0>!#]*)BT,ZBV?SX.U68*<7G*Z8R1_K'AV0 X#H_[9X@>MP9XBP>K),7,;+_,L+>ASHG^T'/<"KM)CS#V%$' !^G68 M[$ \M>+\NA=PH9X&.;\%Z$?M)1[&,RO6KWL!E^=ID/5;@'Y49G*A7-UIE)UT M^AWHPCYM:J2NZ.5,7$WU$D%,W>UB&3(3?E'A[C*)6/%#$D97:,FLX['PL2U5 M/^CZ/.X9QPF1TR&"%TK)*)LC(GU77M 2NL9.TV(@@=W8\[,=]W6=#,ZNP=DU M.+MZ85T8G%V#LVMP=@W.KL'9-3B[!F?7X.P:G%V#L\L'N[>WSJZS3CN[])[/ M"N,7)'G@;O/WKCBNW!\!AS#!C,(UN2A_\FS; L@/=41F 1>.?$G]8<,7'.-% MOI R8J\-E,^&0^QC;AS-M+>;W)?PNYHONVV@_"5Z?#F9TR#) MX^PAS,0:C'YGZ +^"M;I\9L/RX.G#]FF6'#D"4WF,?Y'KMKA^1V@R^VWL+^+ M@3M[M@IF_1\#4^[MHB[0Y?$E/-)EZA9(SW?UD/R%LO/EDB3A9'Z,4[VS:PT M78I>RD#!WJX-S(/]O:>!D]Z:MAJCE[,G[3H?.-F1H&UGC-L7$&TB -M^=-A^ MJ$5K\?RP$W2I]O89SJ- 8]&2O8B2!2[%WK0(2& [Z%YHLY1[ M"B'@ NQBF(83SM&%O1R@XKYJ ME0:WZ=F5&.2ZZJ 6\^3$L8)*1BRO7=S+E#*'IQE>,$OEK-9.8C(, M=-D=)^)B"M@S19-W)M_@F/X.A]$C,WVS_?DR7.X7Z-=21^R&[DS!GIH*BSWZ M;F7AF,M6A?(V3C.2ESI_];O2I< CCI8UO^;0G8F.KR,= L%S0!H/PK NPW1^ M'D_9?]B+D:]AM'?EW.[H4J5)#Q_LV3REYG@6(X(G4G0H#35H(BSW") $3N?%+ESUCN15G_PG('F MQ$<;O[,< "MA4>B[IMS7[PR>$M"P=JL$7_']YUXKM5(R[H1Z-F*ET1V_,]D( M+9MJ3.CC0ZZ"V95[2 A)OC$:F4F*Z5#@"0X- MBX\-/?RPY9Q/7QG%#.5'TBLX[;#YUX&H**#[8+BA&C_)T6Y^B_&-2=T_..VP M4=B%G.@2X8TF2SW1C^7AVWM\77!/W:;P3?\W+ZTUZ7E4C("F[(=OQ:YS.0_) M"QK-9KQ@ [N!>I4:90VQ.0VPM65VF2P6N$0;QM-+.F.#TKW7R8=L+:6:Q!F=+J+;)UWA.QN"Z;<,(VL94J)5'8!WBQF=): MY)^0P.MWD"E'*U %FO-[ .<;2CFD;8#Q(JOPB81Q2F?))/X1D5<\H3(_FO'T M/U:<+^7_29ETZ/(ST#F)8DG@BXYC[/V6MZ\QG?24+<"T6H'* &-A'^#\1->, MY8N/#+T7ECMF5V(!8]E**0F'38'3%-L1 YH/ZQKO&/X3B-<7-H/.'W10K50 MP>EYNMHN/$VF N*T,L+S#*HB$Y:?-D@@GC^A%_WJM&@'XNBWDGO2JK0'*>_:KB_GH MCM&-2[,.3ZV%PI,;\@-*,:LC2R\)APB5]R-E7^B*/B9GV8KG;VOSL,!\?^ )>_V2Q@MSS&YD6&<1$L#F4S,>'+D/D M2E1J2*(&B:"..H&??A2CI^0FRL@57SB.>1%>+TZKK9&2 MA0@:&'*WS:'+##7#>@7B#L9C.WX)%S;_0U-#.)QRM^II-/"J+?13JA6=!6QP M_XQJ>XRP>->V&^^GGAS9W[A3[>)YU=3#MC"&,TW&'$[5#Z_@X8ZMXQ$4]H$N MMV)X097B 'NH5J#LW^=,\$:S(A]?I.3O-8(N=2(G+T=E/YH]:+DC 1\.ZB'\ MB;/Y'R'!A0(;9BSJH$I6%3%)?P3HVB/&'#2#YL<.RL%\@[^CZ0'@$\F&JCL$ M=)D1$WFPP>9'H>@K])QM XZ>$%E(6'_<&+KZAPV3^2A@B\+H[]\\>1PC,F'$ M?Q$69# >"+HNAXO=7(W069D6M[7F]$^F,I&G^L,52B<$%Q#JG^?"H:'K=C1X MT$LQ.RO3TC4-0$ ,0R5 - ITZ0U'>H ,GA^%7 K0+.,4A2G:05_\_C8>DV2" M4FGPK=8 T!4UK.5!"UDE"K_T.+:S]$78U@6; MUN[$SPEAQL%BFA>K;9OUU,^_A62J"A9U]@W@ -/:S!5L!B[ITRD7AK$TLIWA M/ERHPHEVFP''FSKE'5\\#M#ZP6%E8,]^0^"0TD,6R!D%'APJN 5RCF'62!XY M(^T$'.)Y3'#.94T%P(-7!200 GVL&>3]/K@?$%5C\83JN469:IWT@./VP!&733&6+T8B"GAP MX#SAC.W^ 8S!8.(!'L;D7\U><^,V<6EV!68GB.ET_) M-=6U,O7[\(8C <=W"MFIR7TEN'Z?$!<)71&CV14F:$(_P:J^8;+0"-"6=X1^ MQM&"C7QY4,/TX&10[J6BK?1.(_2N_N#0KS>V<.BX(1)8 ""P&%91>,5?T_,\ MFR<$_W/K\7 IE:)O03\#Z4B"'(NGC%H^;)SLCG";ICF:7N7L$;LQ(CB9EFB+ M/X[*)QRNOR,RP:E<)(T'@PY>;E;FK,C1P70IMU)UC[X5?Y(>N5H#0 =;PTG/ M'@E\*#EO3X7Z8//? MD.=/A%_FK)#Y*R+A"ZK^/B9X(@UW:'4BT%'QL.+NG)0^O+.XC4&1L^3YD&C7 MWY>8%(U+8JF$W,4WH /^FY=?5U2"?=416+O8OC1!M:U%M;B7B+E7_DB8,8Y5 MSF2QM$UH&_I?ATYSZ*;V848_/Z*?G1*+54*](0AMG@)M4=!YWX9.V>B/F(NH MYRRN&WHWMSG>9/L!RY^398HT]U'HQ))NJB):9*ND^=>^2[.SN_7!1:/XXQ5= M^QMRMF854,UN=:;NR_:Y^4FZ7@W(''K9;P@<%F1P[]Q_\'4$L! A0#% @ %(%I34_+ M6PI3(0$ 988< !$ ( ! &5F8FDM,C Q.# Y,S N>&UL M4$L! A0#% @ %(%I39J\.C:E#0 U(< !$ ( !@B$! M &5F8FDM,C Q.# Y,S N>'-D4$L! A0#% @ %(%I3=]1?S-]#0 Z+H M !4 ( !5B\! &5F8FDM,C Q.# Y,S!?8V%L+GAM;%!+ 0(4 M Q0 ( !2!:4T*B@,:LR< 'T] P 5 " 08] 0!E9F)I M+3(P,3@P.3,P7V1E9BYX;6Q02P$"% ,4 " 4@6E-C6#I+=1E "() 8 M%0 @ 'L9 $ 969B:2TR,#$X,#DS,%]L86(N>&UL4$L! A0# M% @ %(%I31DI"']D/ 5=0$ !4 ( !\\H! &5F8FDM F,C Q.# Y,S!?<')E+GAM;%!+!08 !@ & (H! "*!P( ! end