0001493152-19-018948.txt : 20191210 0001493152-19-018948.hdr.sgml : 20191210 20191210115459 ACCESSION NUMBER: 0001493152-19-018948 CONFORMED SUBMISSION TYPE: 10-Q/A PUBLIC DOCUMENT COUNT: 79 CONFORMED PERIOD OF REPORT: 20180930 FILED AS OF DATE: 20191210 DATE AS OF CHANGE: 20191210 FILER: COMPANY DATA: COMPANY CONFORMED NAME: SSB Bancorp, Inc. CENTRAL INDEX KEY: 0001716188 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036] IRS NUMBER: 000000000 STATE OF INCORPORATION: MD FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q/A SEC ACT: 1934 Act SEC FILE NUMBER: 000-55898 FILM NUMBER: 191276870 BUSINESS ADDRESS: STREET 1: 8700 PERRY HIGHWAY CITY: PITTSBURGH STATE: PA ZIP: 15237 BUSINESS PHONE: 412-837-6955 MAIL ADDRESS: STREET 1: 8700 PERRY HIGHWAY CITY: PITTSBURGH STATE: PA ZIP: 15237 10-Q/A 1 form10-qa.htm

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q/A

(Amendment No. 1)

[X]	QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended September 30, 2018

[ ]	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. 000-55898

SSB Bancorp, Inc.

(Exact Name of Registrant as Specified in Its Charter)

Maryland		82-2776224
(State or Other Jurisdiction of Incorporation or Organization)		(I.R.S. Employer Identification No.)

8700 Perry Highway Pittsburgh, Pennsylvania		15237
(Address of Principal Executive Offices)		(Zip Code)

(412) 837-6955

(Registrant’s Telephone Number, Including Area Code)

N/A

(Former Name, Former Address and Former Fiscal Year, if Changed Since Last Report)

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

YES [X] NO [ ]

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

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

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

YES [ ] NO [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. [ ]

As of November 13, 2018, there were 2,248,250 outstanding shares of the registrant’s common stock, of which 1,236,538 shares are owned by SSB Bancorp, MHC.

Explanatory Note

The purpose of this amendment on Form 10-Q/A to the Quarterly Report on Form 10-Q of SSB Bancorp, Inc. (the “Company”) for the period ended September 30, 2018 is to restate the Company’s consolidated financial statements for the three- and nine-month periods ended September 30, 2018, and as of September 30, 2018, and related disclosures. Additional information about the decision to restate these financial statements can be found in our Current Report on Form 8-K, filed with the SEC on August 13, 2019.

This Form 10-Q/A does not modify or update other disclosures presented in the original report on Form 10-Q, except as required to reflect the effects of the restatement. The Form 10-Q/A does not reflect events occurring after the filing of the Form 10-Q or modify or update those disclosures, including the exhibits to the Form 10-Q affected by subsequent events. Information not affected by the restatement is unchanged and reflects the disclosures made at the time of the original filing of the Form 10-Q on November 13, 2018. Accordingly, this Form 10-Q/A should be read in conjunction with the Company’s filings made with the Securities and Exchange Commission subsequent to the filing of the original Form 10-Q, including any amendments to those filings. The following items have been amended as a result of the restatement:

	●	Part I - Item 1 - Financial Statements
	●	Part I - Item 2 - Management’s Discussion and Analysis of Financial Condition and Results of Operations

Description of Restatement

During the 4^th quarter of 2018, the Company identified and corrected an error related to its accounting treatment of accrued interest on investor sold loans and loan participations affecting the 2^nd and 3^rd quarters of 2018. Prior period accrued interest receivable accounts were overstated for the three- and six-month periods ended June 30, 2018, and at June 30, 2018, as well as the three- and nine- months ended September 30, 2018, and at September 30, 2018. The Company was able to identify the sources of the issues and it resulted in the Company correcting interest income and the provision for income taxes for the 2^nd and 3^rd quarters of 2018. On the corresponding balance sheet, the Company’s accrued interest receivable was overstated and income taxes receivable was understated. The net effect was an overstatement of total assets and total liabilities and stockholders’ equity at June 30, 2018 and September 30, 2018.

As a result of the above items, the cumulative effect of the restatement through the third quarter of 2018 was a decrease in accrued interest receivable of $335,000, an increase in tax receivable of $83,000, and a decrease in retained earnings of $252,000. Consequently, for the three-month period ended September 30, 2018, the restatement shows a decrease in interest income on loans of $134,000, a decrease in the provision for income taxes of $40,000, and a decrease in net income of $95,000. For the nine-month period ending September 30, 2018, the restatement shows a decrease in interest income on loans of $335,000, a decrease in the provision for income taxes of $83,000, and a decrease in net income of $252,000.

SSB Bancorp, Inc.

Form 10-Q/A

(Amendment No. 1)

Table of Contents

		Page
PART I. FINANCIAL INFORMATION

Item 1.	Financial Statements (unaudited)

	Consolidated Balance Sheets as of September 30, 2018 and December 31, 2017	4

	Consolidated Statements of Net Income for the Three Months Ended September 30, 2018 and 2017, and the Nine Months Ended September 30, 2018 and 2017	5

	Consolidated Statements of Comprehensive Income for the Three Months Ended September 30, 2018 and 2017, and the Nine Months Ended September 30, 2018 and 2017	6

	Consolidated Statements of Changes in Stockholders’ Equity for the Nine Months Ended September 30, 2018	7

	Consolidated Statements of Cash Flows for Nine Months Ended September 30, 2018 and 2017	8

	Notes to Financial Statements	9

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	46

Item 1A.	Risk Factors	46

Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	46

Item 3.	Defaults Upon Senior Securities	46

Item 4.	Mine Safety Disclosures	46

Item 5.	Other Information	46

Item 6.	Exhibits	46

	SIGNATURES	47

Item 1. Financial Statements

SSB Bancorp, Inc.

CONSOLIDATED BALANCE SHEETS

	September 30,			December 31,
	2018			2017
	(unaudited)
ASSETS
Cash and due from banks	$	2,312,211		$	2,558,134
Interest-bearing deposits with other financial institutions		3,563,205			13,919,932
Cash and cash equivalents		5,875,416			16,478,066

Certificates of deposit		846,000			943,000
Securities available for sale		8,922,885			2,616,350
Securities held to maturity (fair value of $8,095, and $9,494, respectively)		7,109			9,797
Loans		157,715,438			141,615,982
Allowance for loan losses		(1,101,600	)		(1,041,445	)
Net loans		156,613,838			140,574,537
Accrued interest receivable		557,291			476,417
Federal Home Loan Bank stock, at cost		2,614,900			2,162,600
Premises and equipment, net		4,371,213			4,358,006
Bank-owned life insurance		2,411,888			2,358,519
Deferred tax asset, net		320,101			328,169
Prepaid reorganization and stock issuance costs		-			837,944
Other assets		976,873			762,086
TOTAL ASSETS	$	183,517,514		$	171,905,491

LIABILITIES
Deposits:
Noninterest-bearing demand	$	491,252		$	440,871
Interest-bearing demand		14,098,425			23,167,923
Money market		15,113,363			14,597,811
Savings		13,752,379			12,524,304
Time		87,910,953			81,699,115
Total deposits		131,366,372			132,430,024

Federal Home Loan Bank advances		31,374,500			26,416,200
Advances by borrowers for taxes and insurance		317,744			688,451
Accrued interest payable		245,098			206,597
Other liabilities		114,918			52,621
TOTAL LIABILITIES		163,418,632			159,793,893

STOCKHOLDERS’ EQUITY
Preferred Stock: $0.01 par value per share: 5,000,000 shares authorized and no shares issued or outstanding		-			-
Common Stock: 20,000,000 shares authorized and
2,248,250 shares issued and outstanding at $0.01 par value		22,483			-
Paid-in capital		8,693,940			-
Retained earnings		12,333,474			12,135,085
Unearned Employee Stock Ownership Plan (ESOP)		(848,261	)		-
Accumulated other comprehensive loss		(102,754	)		(23,487	)
TOTAL NET STOCKHOLDERS’ EQUITY		20,098,882			12,111,598

TOTAL LIABILITIES AND STOCKHOLERS’ EQUITY	$	183,517,514		$	171,905,491

See accompanying notes to the unaudited financial statements.

SSB Bancorp, Inc.

CONSOLIDATED STATEMENTS OF NET INCOME

	Three months ended September 30,				Nine months ended September 30,
	2018		2017		2018		2017
	(unaudited)				(unaudited)
INTEREST INCOME
Loans, including fees	$	1,683,360	$	1,525,013	$	4,771,307	$	4,554,854
Interest-bearing deposits with other financial institutions		25,985		17,738		59,892		35,193
Certificates of deposit		3,801		4,780		11,295		18,799
Investment securities:		-		-		-		-
Taxable		66,977		27,578		153,804		77,084
Exempt from federal income tax		8,202		8,652		25,081		28,081
Total interest income		1,788,325		1,583,761		5,021,379		4,714,011

INTEREST EXPENSE
Deposits		578,042		444,654		1,551,743		1,281,868
Federal Home Loan Bank advances		177,220		140,062		486,861		400,191
Total interest expense		755,262		584,716		2,038,604		1,682,059

NET INTEREST INCOME		1,033,063		999,045		2,982,775		3,031,952
Provision for loan losses		50,000		61,050		115,000		181,043

NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES		983,063		937,995		2,867,775		2,850,909

NONINTEREST INCOME
Securities gains, net		-		-		-		350
Provision for loss on loans held for sale		-		-		-		-
Gain on sale of loans		62,873		82,552		157,552		272,259
Loan servicing fees		35,047		27,802		103,876		67,057
Earnings on bank-owned life insurance		18,110		12,338		53,368		36,273
Other		18,632		7,266		46,327		18,307
Total noninterest income		134,662		129,958		361,123		394,246

NONINTEREST EXPENSE
Salaries and employee benefits		458,104		433,990		1,285,699		1,144,645
Occupancy		93,123		67,082		280,232		187,631
Professional fees		144,514		152,307		557,113		272,901
Federal deposit insurance		41,000		25,500		129,500		87,500
Data processing		93,487		71,980		243,573		209,710
Director fees		41,153		20,938		111,441		58,478
Contributions and donations		23,027		12,980		55,877		40,381
Other		110,114		99,542		347,937		267,476
Total noninterest expense		1,004,522		884,319		3,011,372		2,268,722

Income before income taxes		113,203		183,634		217,526		976,433
Provision for income taxes		18,369		60,760		19,137		346,867

NET INCOME	$	94,834	$	122,874	$	198,389	$	629,566

EARNINGS PER COMMON SHARE
Basic	$	0.04	$	N/A	$	N/A	$	N/A
Diluted	$	0.04	$	N/A	$	N/A	$	N/A

AVERAGE COMMON SHARES OUTSTANDING
Basic		2,162,873		N/A		N/A		N/A
Diluted		2,162,873		N/A		N/A		N/A
DIVIDENDS DECLARED PER COMMON SHARE	$	-		$ N/A	$	N/A	$	N/A
COMPREHENSIVE INCOME	$	38,803	$	123,526	$	119,122	$	664,999

See accompanying notes to the unaudited financial statements.

SSB Bancorp, Inc.

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

	Three months ended September 30,						Nine months ended September 30,
	2018			2017			2018			2017
	(unaudited)						(unaudited)
Net income	$	94,834		$	122,874		$	198,389		$	629,566
Other comprehensive income (loss):
Net change in unrealized gain (loss) on available-for-sale securities		(70,926	)		988			(100,739	)		53,686
Income tax effect		14,895			(336	)		21,472			(18,022	)

Reclassification adjustment for net securities (gains) losses recognized in income		-			-			-			(350	)
Income tax effect included in provision for income taxes		-			-			-			119

Other comprehensive income (loss), net of tax		(56,031	)		652			(79,267	)		35,433

Total comprehensive income	$	38,803		$	123,526		$	119,122		$	664,999

See accompanying notes to the unaudited financial statements.

SSB Bancorp, Inc.

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY

(unaudited)

	Common Stock		Paid-in capital			Retained earnings		Unearned Employee Stock Ownership Plan			Accumulated other comprehensive loss			Total
Balance as of January 1, 2017	$	-	$	-		$	11,542,127	$	-		$	(47,388	)	$	11,494,739

Reclassification of certain income tax effects from accumulated other comprehensive loss		-		-			3,860		-			(3,860	)		-

Net income		-		-			589,098		-			-			589,098

Other comprehensive income		-		-			-		-			27,761			27,761

Balance as of January 1, 2018		-		-			12,135,085		-			(23,487	)		12,111,598

Net income		-		-			198,389		-			-			198,389

Other comprehensive loss		-		-			-		-			(79,267	)		(79,267	)

Net proceeds from stock offering (2,248,250 shares issued)		22,483		8,696,044			-		-			-			8,718,527

Purchase of ESOP shares (88,131 shares purchased)		-		-			-		(881,310	)		-			(881,310	)

Amortizaton of ESOP		-		(2,104	)		-		33,049			-			30,945

Balance as of September 30, 2018	$	22,483	$	8,693,940		$	12,333,474	$	(848,261	)	$	(102,754	)	$	20,098,882

See accompanying notes to the unaudited financial statements.

SSB Bancorp, Inc.

CONSOLIDATED STATEMENTS OF CASH FLOWS

	Nine months ended September 30,
	2018			2017
	(unaudited)
OPERATING ACTIVITIES
Net income	$	198,389		$	629,566
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses		115,000			181,043
Provision for loss on loans held for sale		-			-
Depreciation		115,201			36,488
Net amortization of investment securities		-			-
Amortization (accretion) of security premiums and discounts		5,699			(8,584	)
Origination of loans held for sale		(8,134,750	)		(10,549,730	)
Proceeds from sale of loans		8,292,303			10,821,989
Gain on sale of loans		(157,553	)		(272,259	)
Deferred income tax provision (benefit)		(14,646	)		39,232
Investment securities gains, net		-			(350	)
(Increase) decrease in accrued interest receivable		(80,874	)		45,709
Increase (decrease) in accrued interest payable		38,501			15,230
Amortization of ESOP		30,945			-
Increase in bank owned life insurance		(53,369	)		(36,273	)
Other, net		729,640			94,979
Net cash provided by (used in) operating activities		1,084,486			997,040

INVESTING ACTIVITIES
Purchase of certificates of deposit		(248,000	)		-
Redemption of certificates of deposit		345,000			250,000
Investment securities available for sale:
Purchases		(6,651,661	)		-
Proceeds from sales		-			313,643
Proceeds from principal repayments, calls, and maturities		238,688			215,862
Investment securities held to maturity:
Proceeds from principal repayments, calls, and maturities		2,688			3,398
Redemption of Federal Home Loan Bank stock		174,400			741,300
Purchase of Federal Home Loan Bank stock		(626,700	)		(1,412,300	)
Purchases of loans		-			(9,104,155	)
Increase in loans receivable, net		(16,154,301	)		(12,214,538	)
Proceeds from sale of portfolio loans		-			6,934,868
Proceeds from sale of other real estate owned		-			-
Purchases of premises and equipment		(128,408	)		(2,670,421	)
Net cash (used for) provided by investing activities		(23,048,294	)		(16,942,343	)

FINANCING ACTIVITIES
(Decrease) increase in deposits, net		(1,063,652	)		9,549,204
Decrease in advances by borrowers for taxes and insurance		(370,707	)		(571,503	)
Net proceeds from stock offering		8,718,527			-
Purchase of ESOP shares		(881,310	)		-
Repayment of Federal Home Loan Bank advance		(9,291,700	)		(2,000,000	)
Proceeds from Federal Home Loan Bank advances		14,250,000			9,291,700
Increase in prepaid reorganization and stock issuance costs		-			(837,944	)
Net cash provided by (used in) financing activities		11,361,158			15,431,457

Increase (decrease) in cash and cash equivalents		(10,602,650	)		(513,846	)

CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD		16,478,066			6,831,479

CASH AND CASH EQUIVALENTS AT END OF PERIOD	$	5,875,416		$	6,317,633

SUPPLEMENTAL CASH FLOW DISCLOSURES
Cash paid during the year for:
Interest	$	2,000,103		$	1,666,827
Income taxes		101,562			462,019

See accompanying notes to the unaudited financial statements.

SSB Bancorp, Inc.

NOTES TO FINANCIAL STATEMENTS (UNAUDITED)

1.	NATURE OF OPERATIONS AND BASIS OF PRESENTATION

SSB Bancorp, Inc.

SSB Bancorp, Inc. (the “Company”) was incorporated on August 17, 2017 to serve as the subsidiary stock holding company for SSB Bank upon the reorganization of SSB Bank into a mutual holding company structure (the “Reorganization”). The Reorganization was completed effective January 24, 2018, with SSB Bank becoming the wholly-owned subsidiary of SSB Bancorp, Inc., and SSB Bancorp, Inc. becoming the majority-owned subsidiary of SSB Bancorp, MHC. In connection with the Reorganization, the Company sold 1,011,712 shares of common stock at an offering price of $10 per share. The Company’s stock began being quoted for listing on the OTC Bulletin Board on January 25, 2018, under the symbol “SSBP”. Also, in connection with the Reorganization, the Bank established an employee stock ownership plan (the “ESOP”), which purchased 88,131 shares of the Company’s common stock at a price of $10 per share. In the Reorganization, the Company also issued 1,236,538 shares of its common stock to SSB Bancorp, MHC.

SSB Bank

SSB Bank (the “Bank”) provides a variety of financial services to individuals and corporate customers through its offices in Pittsburgh, Pennsylvania. The Bank’s primary deposit products are passbook savings accounts, money market accounts, and certificates of deposit. Its primary lending products are commercial mortgage loan and single-family residential loans. The Bank is subject to regulation and supervision by the Federal Deposit Insurance Corporation (FDIC) and the Pennsylvania Department of Banking and Securities.

The interim financial statements at September 30, 2018, and for the three and nine months ended September 30, 2018 and 2017, are unaudited and reflect all normal recurring adjustments that are, in the opinion of management, necessary for a fair presentation of the results for the interim periods presented. Such adjustments are the only adjustments reflected in the accompanying interim financial statements. The results of operations for the three or nine months ended September 30, 2018, are not necessarily indicative of the results to be achieved for the remainder of the year ending December 31, 2018, or any other period. The financial statements at December 31, 2017, are audited.

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 Balance Sheet and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.

For further information, refer to the financial statements and accompanying notes included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2017.

The consolidated financial statements include the accounts of SSB Bancorp, Inc. and SSB Bank. All significant intercompany accounts and transactions have been eliminated in consolidation.

Financial information for the periods before the Reorganization on January 24, 2018 is that of SSB Bank only.

2.	RECENT ACCOUNTING STANDARDS

On April 5, 2012, the Jumpstart Our Business Startups Act (the “JOBS Act”) was signed into law. The JOBS Act contains provisions that, among other things, reduce certain reporting requirements for qualifying public companies and define an “emerging growth company.” As an emerging growth company, the Company may delay adoption of new or revised financial accounting standards until such date that the standards are required to be adopted by non-issuer companies. If such standards would not apply to non-issuer companies, no deferral would be applicable. The Company has elected to take advantage of the benefits of extended transition periods. Accordingly, the Company’s consolidated financial statements may not be comparable to those of public companies that adopt new or revised financial accounting standards as of an earlier date. The effective dates of the following recent accounting standards reflect those that relate to non-issuer companies.

In May 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2014-09, Revenue from Contracts with Customers (Topic 606). The amendments in this Update create Topic 606, Revenue from Contracts with Customers, and supersede the revenue recognition requirements in Topic 605, Revenue Recognition, including most industry-specific revenue recognition guidance throughout the Industry Topics of the Codification. The core principle of Topic 606 is that an entity recognizes 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 or services. To achieve the core principle, a company should apply a five-step approach to revenue recognition. The amendments in this Update are effective for annual reporting periods beginning after December 15, 2018, and interim periods within annual periods beginning after December 15, 2019. Early application is permitted, but only for annual reporting periods beginning after December 15, 2016. The Update is not expected to have a significant impact on the Company’s consolidated financial statements.

In January 2016, the FASB issued ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities. This Update applies to all entities that hold financial assets or owe financial liabilities and is intended to provide more useful information on the recognition, measurement, presentation, and disclosure of financial instruments. Among other things, this Update (a) requires equity investments (except those accounted for under the equity method of accounting or those that result in consolidation of the investee) to be measured at fair value with changes in fair value recognized in net income; (b) simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment; (c) eliminates the requirement to disclose the fair value of financial instruments measured at amortized cost for entities that are not public business entities; (d) eliminates 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 at amortized cost on the balance sheet; (e) requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; (f) requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (that is, securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements; and (g) clarifies that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale securities in combination with the entity’s other deferred tax assets. The amendments in this Update are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Entities may adopt the amendments in this Update earlier as of the fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. The Update is not expected to have a significant impact on the Company’s consolidated financial statements.

2.	RECENT ACCOUNTING STANDARDS (Continued)

In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842). The standard requires lessees to recognize the assets and liabilities that arise from leases on the balance sheet. A lessee should recognize in the statement of financial position a liability to make lease payments (the lease liability) and a right-of-use asset representing its right to use the underlying asset for the lease term. A short-term lease is defined as one in which (a) the lease term is 12 months or less and (b) there is not an option to purchase the underlying asset that the lessee is reasonably certain to exercise. For short-term leases, lessees may elect to recognize lease payments over the lease term on a straight-line basis. The amendments in this Update are effective for fiscal years beginning after December 15, 2019, and for interim periods within fiscal years beginning after December 15, 2020. The amendments should be applied at the beginning of the earliest period presented using a modified retrospective approach with earlier application permitted as of the beginning of an interim or annual reporting period. The Update is not expected to have a significant impact on the Company’s consolidated financial statements.

In September 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments, which changes the impairment model for most financial assets. This Update is intended to improve financial reporting by requiring timelier recording of credit losses on loans and other financial instruments held by financial institutions and other organizations. The underlying premise of the Update is that financial assets measured at amortized cost should 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 allowance for credit losses should reflect management’s current estimate of credit losses that are expected to occur over the remaining life of a financial asset. The income statement will be effected for the measurement of credit losses for newly recognized financial assets, as well as the expected increases or decreases of expected credit losses that have taken place during the period. For public business entities that do not meet the definition of an SEC filer, ASU 2016-13 is effective for fiscal years beginning after December 15, 2021, including interim periods within those fiscal years. With certain exceptions, transition to the new requirements will be through a cumulative effect adjustment to opening retained earnings as of the beginning of the first reporting period in which the guidance is adopted. The Company expects to recognize a one-time cumulative effect adjustment to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, but cannot yet determine the magnitude of any such one-time adjustment or the overall impact of the new guidance on the financial statements, as any adjustment will be dependent on the composition of the loan portfolio at the time of adoption. The Company is currently in the early stages of implementing processes to comply with the requirements of the Update.

In January 2017, the FASB issued ASU 2017-03, Accounting Changes and Error Corrections (Topic 250) and Investments—Equity Method and Joint Ventures (Topic 323), Amendments to SEC Paragraphs Pursuant to Staff Announcements at the September 22, 2016 and November 17, 2016 EITF Meetings. This Update adds an SEC paragraph to the Codification following an SEC Staff Announcement about applying Staff Accounting Bulletin Topic 11.M. Specifically, this announcement applies to ASU 2014-09, Revenue from Contracts with Customers (Topic 606); ASU 2016-02, Leases (Topic 842); and ASU 2016-13, Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. A registrant should evaluate Updates that have not yet been adopted to determine the appropriate financial statement disclosures about the potential material effects of those Updates on the financial statements when adopted. If a registrant does not know or cannot reasonably estimate the impact that adoption of the Updates referenced in this announcement are expected to have on the financial statements, then in addition to making a statement to that effect, that registrant should consider additional qualitative financial statement disclosures to assist the reader in assessing the significance of the impact that the standard will have on the financial statements of the registrant when adopted. In this regard, the SEC staff expects the additional qualitative disclosures to include a description of the effect of the accounting policies that the registrant expects to apply, if determined, and a comparison to the registrant’s current accounting policies. Also, a registrant should describe the status of its process to implement the new standards and the significant implementation matters yet to be addressed. The amendments in this Update are effective immediately.

2.	RECENT ACCOUNTING STANDARDS (Continued)

In March 2017, the FASB issued ASU 2017-08, Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20). The amendments in this Update shorten the amortization period for certain callable debt securities held at a premium. Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity. The amendments are effective for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period. An entity should apply the amendments in this Update on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption. Additionally, in the period of adoption, an entity should provide disclosures about a change in accounting principle. The Update is not expected to have a significant impact on the Company’s consolidated financial statements.

In February 2018, the FASB issued Income Statement-Reporting Comprehensive Income (Topic 220): Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income. ASU 2018-02 provides the option to reclassify certain stranded income tax effects in accumulated other comprehensive income resulting from the Tax Cuts and Jobs Act of 2017 (Tax Reform Act), enacted on December 22, 2017. ASU 2018-02 was issued in response to concerns regarding current guidance in GAAP that requires deferred tax liabilities and assets to be adjusted for the effect of a change in tax laws or rates with the effect included in income from continuing operations in the reporting period that includes the enactment date, even in situations in which the related income tax effects were originally recognized in other comprehensive income, rather than net income, and as a result the stranded tax effects would not reflect the appropriate tax rate. The amendments of ASU 2018-02 allow an entity to make a reclassification from accumulated other comprehensive income to retained earnings for the stranded tax effects, which is the difference between the historical corporate income tax rate of 34.0 percent and the newly enacted corporate income tax rate of 21.0 percent. ASU 2018-02 is effective for fiscal years, and interim periods within those years, beginning after December 31, 2018; however, entities are allowed to early adopt the amendments of ASU 2018-02 in any interim period for which the financial statements have not yet been issued. The amendments of ASU 2018-02 may be applied either at the beginning of the period (annual or interim) of adoption or retrospectively to each of the period(s) in which the effect of the change in the U.S. federal corporate tax rate in the Tax Reform Act is recognized. The Company chose to early adopt the new standard for the year ended December 31, 2017, as allowed. The amount of the reclassification for the Company was $3,860.

3.	SECURITIES AVAILABLE FOR SALE

The amortized cost, gross unrealized gains and losses, and fair values of securities available for sale are as follows:

	September 30, 2018 (unaudited)
			Gross		Gross
	Amortized		Unrealized		Unrealized			Fair
	Cost		Gains		Losses			Value
Mortgage-backed securities in government-sponsored entities	$	4,021,797	$	279	$	(46,885	)	$	3,975,191
Obligations of state and political subdivisions		1,540,374		171		(52,406	)		1,488,139
Corporate bonds		3,298,437		-		(31,514	)		3,266,923
U.S. treasury securities		192,746		29		(143	)		192,632
Total	$	9,053,354	$	479	$	(130,948	)	$	8,922,885

	December 31, 2017
			Gross		Gross
	Amortized		Unrealized		Unrealized			Fair
	Cost		Gains		Losses			Value
Mortgage-backed securities in government-sponsored entities	$	524,873	$	-	$	(5,615	)	$	519,258
Obligations of state and political subdivisions		1,626,608		852		(27,582	)		1,599,878
Corporate bonds		300,952		1,399		(453	)		301,898
U.S. treasury securities		193,647		1,669		-			195,316
Total	$	2,646,080	$	3,920	$	(33,650	)	$	2,616,350

The amortized cost and fair value of investment securities available for sale by contractual maturity are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Mortgage-backed securities provide for periodic payments of principal and interest and have contractual maturities ranging from less than 1 year to 25 years. Due to expected repayment terms being significantly less than the underlying mortgage pool contractual maturities, estimated lives of these securities could be significantly shorter.

	September 30, 2018 (unaudited)
	Amortized		Fair
	Cost		Value

Due within one year or less	$	392,831	$	392,013
Due after one year through five years		2,687,988		2,657,569
Due after five years through ten years		2,021,327		1,968,980
Due after ten years		3,951,208		3,904,323
Total	$	9,053,354	$	8,922,885

3.	SECURITIES AVAILABLE FOR SALE (Continued)

For the three months ended September 30, 2018 and 2017, there were no sales of investment securities available for sale.

For the nine months ended September 30, 2018, there were no sales of investment securities available for sale. For the nine months ended September 30, 2017, there were 2 municipal bonds sold with a total amortized cost of $315,811 and an associated gain on sale of $350. The proceeds of the sale were $313,643.

4.	SECURITIES HELD TO MATURITY

The amortized cost, gross unrealized gains and losses, and fair values of securities held to maturity are as follows:

	September 30, 2018 (unaudited)
			Gross		Gross
	Amortized		Unrealized		Unrealized		Fair
	Cost		Gains		Losses		Value
Mortgage-backed securities in government-sponsored entities	$	7,109	$	87	$	-	$	7,196
Total	$	7,109	$	87	$	-	$	7,196

	December 31, 2017
			Gross		Gross
	Amortized		Unrealized		Unrealized			Fair
	Cost		Gains		Losses			Value
Mortgage-backed securities in government-sponsored entities	$	9,797	$	-	$	(303	)	$	9,494
Total	$	9,797	$	-	$	(303	)	$	9,494

The amortized cost and fair value of mortgage-backed securities by contractual maturity are shown below. Mortgage-backed securities provide for periodic payments of principal and interest and have contractual maturities ranging up to 10 years. Due to expected repayment terms being less than the underlying mortgage pool contractual maturities, estimated lives of these securities could be significantly shorter.

	September 30, 2018 (unaudited)
	Amortized		Fair
	Cost		Value

Due within one year or less	$	30	$	30
Due after one year through five years		5,545		5,585
Due after five years through ten years		1,534		1,581

Total	$	7,109	$	7,196

5.	UNREALIZED LOSSES ON SECURITIES

The following tables show the Bank’s gross unrealized losses and fair value, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position:

	September 30, 2018 (unaudited)
	Less than Twelve Months					Twelve Months or Greater					Total
			Gross					Gross					Gross
	Fair		Unrealized			Fair		Unrealized			Fair		Unrealized
	Value		Losses			Value		Losses			Value		Losses

U.S. treasury securities	$	159,530	$	(143	)	$	-	$	-		$	159,530	$	(143	)
Mortgage-backed securities in government-sponsored entities		3,548,709		(33,886	)		355,614		(12,999	)		3,904,323		(46,885	)
Obligations of state and political subdivisions		1,046,166		(17,428	)		393,718		(34,978	)		1,439,884		(52,406	)
Corporate bonds		3,266,923		(31,514	)		-		-			3,266,923		(31,514	)
Total	$	8,021,328	$	(82,971	)	$	749,332	$	(47,977	)	$	8,770,660	$	(130,948	)

	December 31, 2017
	Less than Twelve Months					Twelve Months or Greater					Total
			Gross					Gross					Gross
	Fair		Unrealized			Fair		Unrealized			Fair		Unrealized
	Value		Losses			Value		Losses			Value		Losses

Mortgage-backed securities in government-sponsored entities	$	519,258	$	(5,615	)	$	9,494	$	(303	)	$	528,752	$	(5,918	)
Obligations of state and political subdivisions		1,044,275		(7,238	)		405,521		(20,344	)		1,449,796		(27,582	)
Corporate bonds		199,898		(453	)		-		-			199,898		(453	)
Total	$	1,763,431	$	(13,306	)	$	415,015	$	(20,647	)	$	2,178,446	$	(33,953	)

Management reviews the Bank’s investment positions monthly. There were 24 investments that were temporarily impaired as of September 30, 2018, with aggregate depreciation of less than 2 percent of the Bank’s amortized cost basis. There were 20 investments that were temporarily impaired as of December 31, 2017, with aggregate depreciation of less than 2 percent from the Bank’s amortized cost basis. Management has asserted that at September 30, 2018 and December 31, 2017, the declines outlined in the above table represent temporary declines and the Bank does not intend to sell and does not believe it will be required to sell these securities before recovery of their cost basis, which may be at maturity.

The Bank has concluded that any impairment of its investment securities portfolio outlined in the above table is not other than temporary and the declines are the result of interest rate changes, sector credit rating changes, or company-specific rating changes that are not expected to result in the non-collection of principal and interest during the period.

LOANS

The Bank’s loan portfolio summarized by category is as follows:

	September 30,			December 31,
	2018			2017
	(unaudited)
Mortgage loans:
One-to-four family	$	75,617,401		$	75,858,226
Commercial		58,702,797			50,122,058
		134,320,198			125,980,284

Commercial and industrial		18,118,214			11,455,554
Consumer		5,177,999			4,014,258
		157,616,411			141,450,096

Third-party loan acquisition and other net origination costs		304,708			385,883
Discount on loans previously held for sale		(205,681	)		(219,997	)
Allowance for loan losses		(1,101,600	)		(1,041,445	)

Total	$	156,613,838		$	140,574,537

The Bank’s primary business activity is with customers located in Pittsburgh and surrounding communities. The Bank’s loan portfolio consists predominantly of one-to-four family mortgage and commercial mortgage loans. These loans are typically secured by first-lien positions on the respective real estate properties and are subject to the Bank’s underwriting policies.

During the normal course of business, the Bank may sell a portion of a loan as a participation loan in order to manage portfolio risk. In order to be eligible for sales treatment, all cash flows from the loan must be divided proportionately, the rights of each loan holder must have the same priority, the loan holders must have no recourse to the transferor other than standard representations and warranties, and no loan holder can have the right to pledge or exchange the entire loan. The Bank had transferred $7,606,923 and $8,129,670 in participation loans as of September 30, 2018 and December 31, 2017, respectively, to other financial institutions. As of September 30, 2018, and December 31, 2017, all these loans were being serviced by the Bank.

7.	ALLOWANCE FOR LOAN LOSSES

The allowance reflects management’s estimate of loan losses inherent in the loan portfolio at the balance sheet date. The following tables present, by portfolio segment, the changes in the allowance for loan losses and the recorded investment in loans for the three and nine months ended September 30, 2018 (unaudited) and 2017 (unaudited), respectively:

	Mortgage						Commercial			Consumer
Three months ended	One-to-Four			Mortgage			and			and
September 30, 2018:	Family			Commercial			Industrial			HELOC			Total
Allowance for loan losses:
Beginning balance	$	471,438		$	437,619		$	134,880		$	46,079		$	1,090,016
Charge-offs		-			-			(9,270	)		(29,146	)		(38,416	)
Recoveries		-			-			-			-			-
Provision (credit)		(33,194	)		(46,940	)		104,987			25,147			50,000
Ending balance	$	438,244		$	390,679		$	230,597		$	42,080		$	1,101,600

	Mortgage				Commercial		Consumer
Three months ended	One-to-Four		Mortgage		and		and
September 30, 2017:	Family		Commercial		Industrial		HELOC		Total
Allowance for loan losses:
Beginning balance	$	488,009	$	324,941	$	70,466	$	57,316	$	940,732
Charge-offs		-		-		-		-		-
Recoveries		-		-		-		-		-
Provision (credit)		2,495		12,352		15,186		31,017		61,050
Ending balance	$	490,504	$	337,293	$	85,652	$	88,333	$	1,001,782

	Mortgage					Commercial			Consumer
Nine months ended	One-to-Four			Mortgage		and			and
September 30, 2018:	Family			Commercial		Industrial			HELOC			Total
Allowance for loan losses:
Beginning balance	$	513,846		$	383,535	$	80,854		$	63,210		$	1,041,445
Charge-offs		(16,429	)		-		(9,270	)		(29,146	)		(54,845	)
Recoveries		-			-		-			-			-
Provision (credit)		(59,173	)		7,144		159,013			8,016			115,000
Ending balance	$	438,244		$	390,679	$	230,597		$	42,080		$	1,101,600

	Mortgage					Commercial		Consumer
Nine months ended	One-to-Four			Mortgage		and		and
September 30, 2017:	Family			Commercial		Industrial		HELOC		Total
Allowance for loan losses:
Beginning balance	$	498,410		$	228,763	$	59,439	$	34,127	$	820,739
Charge-offs		-			-		-		-		-
Recoveries		-			-		-		-		-
Provision (credit)		(7,906	)		108,530		26,213		54,206		181,043
Ending balance	$	490,504		$	337,293	$	85,652	$	88,333	$	1,001,782

7.	ALLOWANCE FOR LOAN LOSSES (Continued)

The following tables summarize the loan portfolio and allowance for loan losses by the primary segments of the loan portfolio as of September 30, 2018 (unaudited), and December 31, 2017.

	Mortgage One-to-Four Family		Mortgage Commercial		Commercial and Industrial		Consumer and HELOC		Total
September 30, 2018
Allowance for loan losses:
Loans deemed impaired		33,422		-		-		-		33,422

Loans not deemed impaired		404,822		390,679		230,597		42,080		1,068,178

Ending Balance		438,244		390,679		230,597		42,080		1,101,600

September 30, 2018
Loans:
Loans deemed impaired		2,492,049		1,779,350		155,660		11,747		4,438,806

Loans not deemed impaired		73,125,352		56,923,447		17,962,554		5,166,252		153,177,605

Ending Balance		75,617,401		58,702,797		18,118,214		5,177,999		157,616,411

	Mortgage One-to-Four Family		Mortgage Commercial		Commercial and Industrial		Consumer and HELOC		Total
December 31, 2017
Allowance for loan losses:
Loans deemed impaired		23,870		-		-		-		23,870

Loans not deemed impaired		489,976		383,535		80,854		63,210		1,017,575

Ending Balance		513,846		383,535		80,854		63,210		1,041,445

December 31, 2017
Loans:
Loans deemed impaired		2,508,658		1,122,740		8,251		29,245		3,668,894

Loans not deemed impaired		73,349,568		48,999,318		11,447,303		3,985,013		137,781,202

Ending Balance		75,858,226		50,122,058		11,455,554		4,014,258		141,450,096

7.	ALLOWANCE FOR LOAN LOSSES (Continued)

The following tables present impaired loans by class as of September 30, 2018 (unaudited), and December 31, 2017, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary.

	September 30, 2018						December 31, 2017
			Unpaid						Unpaid
	Recorded		Principal		Related		Recorded		Principal		Related
	Investment		Balance		Allowance		Investment		Balance		Allowance

With no allowance recorded:
Mortgage loans:
One-to-four family	$	2,137,668	$	2,137,668	$	-	$	2,356,007	$	2,356,007	$	-
Commercial	$	1,779,350	$	1,779,350		-		1,122,740		1,122,740		-
Commercial and Industrial	$	155,660	$	155,660		-		8,251		8,251		-
Consumer and HELOC	$	11,747	$	11,747		-		29,245		29,245		-

With an allowance recorded:
Mortgage loans:
One-to-four family		354,381		354,381		33,422		152,651		152,651		23,870
Commercial		-		-		-		-		-		-
Commercial and Industrial		-		-		-		-		-		-
Consumer and HELOC		-		-		-		-		-		-

Total mortgage loans:
One-to-four family		2,492,049		2,492,049		33,422		2,508,658		2,508,658		23,870
Commercial		1,779,350		1,779,350		-		1,122,740		1,122,740		-
Commercial and Industrial		155,660		155,660		-		8,251		8,251		-
Consumer and HELOC		11,747		11,747		-		29,245		29,245		-

Total	$	4,438,806	$	4,438,806	$	33,422	$	3,668,894	$	3,668,894	$	23,870

7.	ALLOWANCE FOR LOAN LOSSES (Continued)

The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated.

	Three Months Ended September 30, 2018				Three Months Ended September 30, 2017
	(unaudited)				(unaudited)
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized

With no allowance recorded:
Mortgage loans:
One-to-four family	$	2,051,434	$	8,881	$	1,832,617	$	52,335
Commercial		1,555,260		5,125		200,988		803
Commercial and industrial		142,033		-		-		-
Consumer and HELOC		23,461		298		-		-

With an allowance recorded:
Mortgage loans:
One-to-four family		355,222		1,902		138,910		2,273
Commercial		-		-		-		-
Commercial and industrial		-		-		-		-
Consumer and HELOC		-		-		16,699		-

Total mortgage loans:
One-to-four family		2,406,656		10,783		1,971,527		54,608
Commercial		1,555,260		5,125		200,988		803
Commercial and industrial		142,033		-		-		-
Consumer and HELOC		23,461		298		16,699		-

Total	$	4,127,410	$	16,206	$	2,189,214	$	55,411

	Nine Months Ended September 30, 2018				Nine Months Ended September 30, 2017
	(unaudited)				(unaudited)
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized

With no allowance recorded:
Mortgage loans:
One-to-four family	$	1,961,587	$	9,313	$	1,788,550	$	76,546
Commercial		1,262,149		6,669		202,584		96,606
Commercial and industrial		105,142		-		-		-
Consumer and HELOC		38,063		505		-		-

With an allowance recorded:
Mortgage loans:
One-to-four family		374,613		7,622		141,029		6,254
Commercial		-		-		-		-
Commercial and industrial		-		-		-		-
Consumer and HELOC		-		-		5,566		-

Total mortgage loans:
One-to-four family		2,336,200		16,935		1,929,579		82,800
Commercial		1,262,149		6,669		202,584		96,606
Commercial and industrial		105,142		-		-		-
Consumer and HELOC		38,063		505		5,566		-

Total	$	3,741,554	$	24,109	$	2,137,729	$	179,406

7.	ALLOWANCE FOR LOAN LOSSES (Continued)

Aging Analysis of Past-Due Loans by Class

Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following tables present the classes of the loan portfolio summarized by the aging categories at the dates indicated:

	September 30, 2018 (unaudited)
	30-59 Days		60-89 Days		90 Days or Greater		Total Past				Total Loans		90 Days or Greater Still
	Past Due		Past Due		Past Due		Due		Current		Receivable		Accruing

Mortgage loans:
One-to-four family	$	223,534		294,661		1,636,601		2,154,796	$	73,462,605	$	75,617,401	$	-
Commercial		794,525		-		1,054,164		1,848,689		56,854,108		58,702,797		-
Commercial and industrial		-		-		155,660		155,660		17,962,554		18,118,214		-
Consumer and HELOC		10,547		-		1,200		11,747		5,166,252		5,177,999		-
Total	$	1,028,606	$	294,661	$	2,847,625	$	4,170,892	$	153,445,519	$	157,616,411	$	-

	December 31, 2017
	30-59 Days		60-89 Days		90 Days or Greater		Total Past				Total Loans		90 Days or Greater Still
	Past Due		Past Due		Past Due		Due		Current		Receivable		Accruing

Mortgage loans:
One-to-four family	$	982,168	$	399,992	$	1,900,116	$	3,282,276	$	72,575,950	$	75,858,226	$	-
Commercial		656,640		-		1,122,740		1,779,380		48,342,678		50,122,058		-
Commercial and industrial		301,783		-		8,251		310,034		11,145,519		11,455,554		-
Consumer and HELOC		662		14,386		29,245		44,293		3,969,965		4,014,258		-
Total	$	1,941,253	$	414,378	$	3,060,352	$	5,415,983	$	136,034,112	$	141,450,096	$	-

7.	ALLOWANCE FOR LOAN LOSSES (Continued)

The following table presents the loans on nonaccrual status, by class:

	September 30,		December 31,
	2018		2017
	(unaudited)
Mortgage loans:
One-to-four family	$	2,210,273	$	2,108,086
Commercial		1,102,106		1,122,740
Commercial and industrial		155,660		8,251
Consumer and HELOC		11,747		29,245
Total	$	3,479,786	$	3,268,322

Credit Quality Information

The Bank categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Bank analyzes commercial loans individually by classifying the loans as to their credit risk. The Bank uses a nine-grade internal loan rating system for commercial mortgage loans and commercial and industrial loans as follows:

	●	Loans rated 1, 2, 3, 4, and 5: Loans in these categories are considered “pass” rated loans with low to average risk.
	●	Loans rated 6: Loans in this category are considered “special mention.” These loans have a potential weakness that deserves management’s close attention. If left uncorrected, these weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date.
	●	Loans rated 7: Loans in this category are considered “substandard.” These loans have a well-defined weakness based on objective evidence that jeopardize the liquidation of the debt. These loans are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.
	●	Loans rated 8: Loans in this category are considered “doubtful” and have all the weaknesses inherent in a loan rated 7. In addition, these weaknesses make collection or liquidation in full highly questionable and improbable, based on existing circumstances.
	●	Loans rated 9: Loans in this category are considered “loss” and are considered to be uncollectible or of such value that continuance as an asset is not warranted.

7.	ALLOWANCE FOR LOAN LOSSES (Continued)

Credit Quality Information (Continued)

The risk category of loans by class is as follows:

	September 30, 2018 (unaudited)				December 31, 2017
	Mortgage		Commercial and		Mortgage		Commercial and
	Commercial		Industrial		Commercial		Industrial

Loans rated 1 - 5	$	56,971,390	$	13,980,085	$	48,764,928	$	11,434,756
Loans rated 6		-		3,982,469		234,390		20,798
Loans rated 7		1,731,407		155,660		1,122,740		-
Ending balance	$	58,702,797	$	18,118,214	$	50,122,058	$	11,455,554

There were no loans classified as doubtful or loss at September 30, 2018, or December 31, 2017.

For one-to-four family mortgage and consumer and HELOC loans, the Bank evaluates credit quality based on whether the loan is considered to be performing or nonperforming. Loans are generally considered to be nonperforming when they are placed on nonaccrual or become 90 days past due. The following table presents the balances of loans by class based on payment performance:

	September 30, 2018 (unaudited)				December 31, 2017
	Mortgage		Consumer		Mortgage		Consumer
	One-to-Four		and		One-to-Four		and
	Family		HELOC		Family		HELOC

Performing	$	73,541,731	$	5,166,252	$	73,750,140	$	3,985,013
Nonperforming		2,075,670		11,747		2,108,086		29,245
Total	$	75,617,401	$	5,177,999	$	75,858,226	$	4,014,258

Troubled Debt Restructurings

There was one loan modified as a troubled debt restructuring during the three months ended September 30, 2018 (unaudited). The loan was a one-to-four family mortgage and had a pre- and post-modification balance of $146,053. The concession granted by the Bank was an extension of the maturity date. There were no additional loans modified as troubled debt restructurings in the nine months ended September 30, 2018.

During the nine months ended September 30, 2017, the Bank modified three loans as troubled debt restructurings. The loans were all one-to-four family mortgages and had a pre- and post-modification aggregate balance of $207,967. The concession granted by the Bank was an extension of the maturity date for all three of the loans noted.

As of September 30, 2018, and December 31, 2017, the Bank allocated $7,266 and $23,870, respectively, within the allowance for loan losses related to all loans modified as troubled debt restructurings.

The Bank did not have any loans modified as a troubled debt restructuring in the preceding 12 months that subsequently defaulted in the current reporting period.

8.	EMPLOYEE STOCK OWNERSHIP PLAN

The Bank established a tax qualified Employee Stock Ownership Plan (“ESOP”) for the benefit of its employees in conjunction with the Reorganization effective on January 24, 2018. Eligible employees become 20% vested in their accounts after two years of service, 40% after three years of service, 60% after four years of service, 80% after five years of service and 100% after six years of service, or earlier, upon death, disability or attainment of normal retirement age.

The ESOP purchased 88,131 shares of Company common stock, which was funded by a loan from the Company. Unreleased ESOP shares collateralize the loan payable, and the cost of the shares is recorded as a contra-equity account in the stockholders’ equity of the Company. Shares are to be released as debt payments are made by the ESOP to the loan. The ESOP’s sources of repayment of the loan can include dividends, if any, on the unallocated stock held by the ESOP and discretionary contributions from the Company to the ESOP and earnings thereon.

Compensation expense is equal to the fair value of the shares committed to be released and unallocated ESOP shares are excluded from outstanding shares for purposes of computing earnings per share. During the three months ended September 30, 2018, the Company recognized $10,322 in compensation expense and during the nine months ended September 30, 2018, the Company recognized $30,945 in compensation expense.

9.	REGULATORY CAPITAL REQUIREMENTS

The Bank is subject to various regulatory capital requirements administered by federal and state banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions 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 measure of the Bank’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

The regulations require a minimum ratio of common equity Tier 1 capital to risk-weighted assets of 4.5%, a minimum ratio of Tier 1 capital to risk-weighted assets of 6%, a minimum total capital ratio of 8%, and a minimum leverage ratio of 4% for all banking organizations. Additionally, community banking institutions 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 and certain deductions from and adjustments to regulatory capital and risk-weighted assets are being phased in over several years. The required minimum conservation buffer was 1.875% as of January 1, 2018 and will increase to 2.5% on January 1, 2019. Management believes that the Bank’s capital levels will remain characterized as “well-capitalized” throughout the phase-in periods.

9.	REGULATORY CAPITAL REQUIREMENTS (Continued)

As of September 30, 2018, the most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum capital ratios as set forth in the following table. There are no conditions or events since the notification that management believes have changed the Bank’s category. Management believes that the Bank meets all capital adequacy requirements to which it is subject. The Bank’s actual capital amounts and ratios are also presented in the table below.

	September 30,					December 31,
	2018					2017
	Amount		Ratio			Amount		Ratio
	(unaudited)
Common Equity Tier 1 capital
(to risk-weighted assets)
Actual	$	20,201,636		14.16	%	$	12,135,085		9.47	%
For capital adequacy purposes		6,419,565		4.50	%		5,718,465		4.50	%
To be well capitalized		9,272,705		6.50	%		8,325,005		6.50	%

Tier 1 capital
(to risk-weighted assets)
Actual	$	20,201,636		14.16	%	$	12,135,085		9.47	%
For capital adequacy purposes		8,559,420		6.00	%		7,684,620		6.00	%
To be well capitalized		11,412,560		8.00	%		10,246,160		8.00	%

Total capital
(to risk-weighted assets)
Actual	$	21,303,236		14.93	%	$	13,176,530		10.29	%
For capital adequacy purposes		11,412,560		8.00	%		10,246,160		8.00	%
To be well capitalized		14,265,700		10.00	%		12,807,700		10.00	%

Tier 1 capital
(to average assets)
Actual	$	20,201,636		11.71	%	$	12,135,085		7.85	%
For capital adequacy purposes		6,903,532		4.00	%		6,186,160		4.00	%
To be well capitalized		8,629,416		5.00	%		7,732,700		5.00	%

10.

COMMITMENTS

In the normal course of business, the Bank makes various commitments that are not reflected in the Bank’s financial statements. The Bank offers such products to enable its customers to meet their financing objectives. These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized on the balance sheets. The Bank’s exposure to credit loss in the event of nonperformance by the other parties to the financial instruments is represented by the contractual amounts as disclosed. The Bank minimizes its exposure to credit loss under these commitments by subjecting them to credit approval and review procedures and collateral requirements as deemed necessary.

Off-balance sheet commitments consist of the following:

	September 30,
	2018
	(unaudited)

Commitments to extend credit	$	1,804,500
Construction unadvanced funds		3,835,392
Unused lines of credit		7,401,838

	$	13,041,730

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the loan agreement. These commitments consisted primarily of mortgage loan commitments. The Bank uses the same credit policies in making loan commitments and conditional obligations as it does for on-balance sheet instruments. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, as deemed necessary, is based upon management’s credit evaluation in compliance with the Bank’s lending policy guidelines.

In August 2017, the Bank entered into employment agreements with three executives that provide for a base salary and certain other benefits. The initial terms of the agreements are for three years with annual renewals thereafter. In the event of the executive’s termination without cause, as defined, the executive will receive a lump-sum cash payment equal to the amount remaining under the contract. Additional benefits are payable upon a change in control, as defined.

11.

FAIR VALUE MEASUREMENTS

The following disclosures show the hierarchal disclosure framework associated with the level of pricing observations utilized in measuring assets and liabilities at fair value. The three broad pricing levels are as follows:

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

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

Level III:		Valuations derived from valuation techniques in which one or more significant inputs or significant value drivers are unobservable.

This hierarchy requires the use of observable market data, when available.

Fair values for securities are determined by obtaining quoted prices on nationally recognized securities exchanges or matrix pricing, which is a mathematical technique that is widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark-quoted securities. Fair values of securities determined by quoted prices in active markets, when available, are classified as Level I. At September 30, 2018 and December 31, 2017, fair value measurements were obtained from a third-party pricing service and not adjusted by management. Transfers are recognized at the end of the reporting period, as applicable.

11.

FAIR VALUE MEASUREMENTS (Continued)

The following tables present the assets reported on the balance sheets at their fair value by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.

	September 30, 2018 (unaudited)
	Level I		Level II		Level III		Total

Fair value measurements on a recurring basis:
Mortgage-backed securities in government-sponsored entities	$	-	$	3,975,191	$	-	$	3,975,191
Obligations of state and political subdivisions		-		1,488,139		-		1,488,139
Corporate bonds		-		3,266,923		-		3,266,923
U.S. treasury securities		192,632		-		-		192,632
Mortgage servicing rights		-		-		240,747		240,747
Impaired loans with reserve		-		-		320,959		320,959

	December 31, 2017
	Level I		Level II		Level III		Total

Fair value measurements on a recurring basis:
Mortgage-backed securities in government-sponsored entities	$	-	$	519,258	$	-	$	519,258
Obligations of state and political subdivisions		-		1,599,878		-		1,599,878
Corporate bonds		-		301,898		-		301,898
U.S. treasury securities		195,316		-		-		195,316
Mortgage servicing rights		-		-		231,977		231,977
Impaired loans with reserve		-		-		112,139		112,139

	September 30, 2018 (unaudited)
	Level I		Level II		Level III		Total

Fair value measurements on a nonrecurring basis:
Other real estate owned	$	-	$	-	$	59,932	$	59,932

		December 31, 2017
		Level I		Level II		Level III		Total

Fair value measurements on a nonrecurring basis:
Other real estate owned	$	-	$	-	$	59,932	$	59,932

11.

FAIR VALUE MEASUREMENTS (Continued)

Other Real Estate Owned

Other real estate owned is measured at fair value, less estimated cost to sell at the date of foreclosure, which establishes a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management. The assets are carried at fair value, less estimated cost to sell. Income and expense from operations and changes in valuation allowance are included in other noninterest expense.

Level III Inputs

The following table provides the significant unobservable inputs used in the fair value measurement process for items valued using Level III techniques:

	Fair Value at						Range
	September 30, 2018		Valuation Techniques		Valuation Unobservable Inputs		(Weighted Average)
	(unaudited)
Other real estate owned	$	59,932		Appraised collateral values		Discount for time since appraisal		10	%
								(10	)%
						Selling costs		10	%
								(10	)%
Impaired loans with reserve		320,959		Discounted cash flows		Discount for evaluation		10	%
								(10	)%
						Selling costs		10	%
								(10	)%
Mortgage servicing rights		240,747		Discounted cash flows		Loan prepayment speeds		10.44	%
								(10.44	)%

	Fair Value at						Range
	December 31, 2017		Valuation Techniques		Valuation Unobservable Inputs		(Weighted Average)

Other real estate owned	$	59,932		Appraised collateral values		Discount for time since appraisal		10	%
								(10	)%
						Selling costs		10	%
								(10	)%
Impaired loans with reserve		112,139		Discounted cash flows		Discount for evaluation		10	%
								(10	)%
						Selling costs		10	%
								(10	)%
Mortgage servicing rights		231,977		Discounted cash flows		Loan prepayment speeds		8.67	%
								(8.67	)%

11.

FAIR VALUE MEASUREMENTS (Continued)

The estimated fair values of the Company’s financial instruments are as follows:

	September 30, 2018 (unaudited)
	Carrying		Fair
	Value		Value		Level I		Level II		Level III

Financial assets:
Cash and cash equivalents	$	5,875,416	$	5,875,416	$	5,875,416	$	-	$	-
Certificates of deposit		846,000		835,649		-		835,649		-
Investment securities:
Available for sale		8,922,885		8,922,885		192,632		8,730,253		-
Held to maturity		7,109		7,196		-		7,196		-
Loans, net		156,613,838		156,639,838		-		-		156,639,838
Accrued interest receivable		557,291		557,291		-		557,291		-
FHLB Stock		2,614,900		2,614,900		-		-		2,614,900

Financial liabilities:
Deposits		131,366,372		129,695,372		43,455,419		-		86,239,953
FHLB advances		31,374,500		30,933,500		-		30,933,500		-
Accrued interest payable		245,098		245,098		-		245,098		-

	December 31, 2017
	Carrying		Fair
	Value		Value		Level I		Level II		Level III

Financial assets:
Cash and cash equivalents	$	16,478,066	$	16,478,066	$	16,478,066	$	-	$	-
Certificates of deposit		943,000		946,497		-		946,497		-
Investment securities:
Available for sale		2,616,350		2,616,350		195,316		2,421,034		-
Held to maturity		9,797		9,494		-		9,494		-
Loans, net		140,574,537		139,784,862		-		-		139,784,862
Accrued interest receivable		476,417		476,417		-		476,417		-
FHLB Stock		2,162,600		2,162,600		-		-		2,162,600

Financial liabilities:
Deposits		132,430,024		132,189,024		50,730,909		-		81,458,115
FHLB advances		26,416,200		25,602,500		-		25,602,500		-
Accrued interest payable		206,597		206,597		-		206,597		-

Financial instruments are defined as cash, evidence of an ownership interest in an entity, or a contract which creates an obligation or right to receive or deliver cash or another financial instrument from/to a second entity on potentially favorable or unfavorable terms.

Fair value is defined as the amount at which a financial instrument could be exchanged in a current transaction between willing parties other than in a forced or liquidation sale. If a quoted market price is available for a financial instrument, the estimated fair value would be calculated based upon the market price per trading unit of the instrument.

12.

FAIR VALUE OF FINANCIAL INSTRUMENTS

If no readily available market exists, the fair value estimates for financial instruments should be based upon management’s judgment regarding current economic conditions, interest rate risk, expected cash flows, future estimated losses, and other factors as determined through various option pricing formulas or simulation modeling. Since many of these assumptions result from judgments made by management based upon estimates which are inherently uncertain, the resulting estimated fair values may not be indicative of the amount realizable in the sale of a particular financial instrument. In addition, changes in the assumptions on which the estimated fair values are based may have a significant impact on the resulting estimated fair values.

Since certain assets, such as deferred tax assets and premises and equipment, are not considered financial instruments, the estimated fair value of financial instruments would not represent the full value of the Bank.

Cash and Cash Equivalents, Accrued Interest Receivable, FHLB Stock, and Accrued Interest Payable

The fair value is equal to the current carrying value.

Certificates of Deposit

Securities

Loans, Net

The fair value is estimated by discounting future cash flows using current market inputs at which loans with similar terms and qualities would be made to borrowers of similar credit quality. Certain collateral dependent impaired loans have been adjusted to fair value based on the loan’s collateral. Fair value is generally determined based upon independent third-party appraisals of the properties, along with management’s assumptions in various factors, such as selling costs and discounts for time since last appraised.

FHLB Advances

The fair value of FHLB advances is based on the discounted value of contractual cash flows. The discount rates are estimated using rates currently offered for similar instruments with similar remaining maturities.

Deposits

The fair values of certificates of deposit are based on the discounted value of contractual cash flows. The discount rates are estimated using rates currently offered for similar instruments with similar remaining maturities. Demand, savings, and money market deposit accounts are valued at the amount payable on demand as of the period end.

12. FAIR VALUE OF FINANCIAL INSTRUMENTS (Continued)

Commitments

These financial instruments are generally not subject to sale, and estimated fair values are not readily available. The carrying value, represented by the net deferred fee arising from the unrecognized commitment, and the fair value, determined by discounting the remaining contractual fee over the term of the commitment using fees currently charged to enter into similar agreements with similar credit risk, are not considered material for disclosure. The contractual amounts of unfunded commitments are presented in Note 10.

13. ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

The following table presents the changes in accumulated other comprehensive income (loss) by component, net of tax:

	Net Unrealized Gain (Loss)
	on Securities
	Three months ended September 30,
	2018			2017
	(unaudited)
Accumulated other comprehensive income (loss), beginning of period	$	(46,722	)	$	(12,607	)

Other comprehensive income (loss) on securities before reclassification, net of tax		(56,031	)		652

Amounts reclassified from accumulated other comprehensive income (loss), net of tax		-			-

Net other comprehensive income (loss)		(56,031	)		652

Accumulated other comprehensive income (loss), end of period	$	(102,753	)	$	(11,955	)

	Net Unrealized Gain (Loss)
	on Securities
	Nine months ended September 30,
	2018			2017
	(unaudited)
Accumulated other comprehensive income (loss), beginning of period	$	(23,487	)	$	(47,388	)

Other comprehensive income (loss) on securities before reclassification, net of tax		(79,267	)		35,664

Amounts reclassified from accumulated other comprehensive income (loss), net of tax		-			(231	)

Net other comprehensive income (loss)		(79,267	)		35,433

Accumulated other comprehensive income (loss), end of period	$	(102,754	)	$	(11,955	)

14. EARNINGS PER SHARE

Earnings per common share for the three months ended September 30, 2018 are represented in the following table.

Earnings per common share for the nine months ended September 30, 2018 is not presented as the Company’s initial public offering was completed on January 24, 2018; therefore, per share results would not be meaningful.

	Three months ended
	September 30, 2018
	(unaudited)

Net Income	$	94,834

Shares outstanding for basic EPS:
Average shares outstanding		2,248,250
Less: Average unearned ESOP shares		85,377
		2,162,873
Additional dilutive shares		-

Shares outstanding for basic and diluted EPS		2,162,873

Basic and diluted income per share	$	0.04

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

General

Management’s discussion and analysis of financial condition at September 30, 2018 and December 31, 2017 and results of operations for the three and nine months ended September 30, 2018 and 2017 is intended to assist in understanding the financial condition and results of operations of SSB Bank. The information contained in this section should be read in conjunction with the unaudited financial statements and the notes thereto appearing in Part I, Item 1, of this Quarterly Report on Form 10-Q/A. Financial information for the periods before the Company’s Reorganization on January 24, 2018 is that of SSB Bank only.

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,” “plan,” “seek,” “expect,” “will,” “may” 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 quality of our loan and investment portfolios; and

	●	estimates of our risks and future costs and benefits.

These forward-looking statements are based on current beliefs and expectations of management 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.

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:

	●	general economic conditions, either nationally or in our market areas, that are worse than expected;

	●	changes in the level and direction of loan delinquencies and charge-offs and changes in estimates of the adequacy of the allowance for loan losses;

	●	our ability to access cost-effective funding;

	●	fluctuations in real estate values and both residential and commercial real estate market conditions;

	●	demand for loans and deposits in our market area;

	●	our ability to continue to implement our business strategies;

	●	competition among depository and other financial institutions;

	●	inflation and changes in the interest rate environment that reduce our margins and yields, reduce the fair value of financial instruments or reduce the origination levels in our lending business, or increase the level of defaults, losses and prepayments on loans we have made and make whether held in portfolio or sold in the secondary markets;

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

Cautionary Note Regarding Forward-Looking Statements (Continued)

	●	adverse changes in the securities markets;

	●	changes in laws or government regulations or policies affecting financial institutions, including changes in regulatory fees and capital requirements, including as a result of Basel III;

	●	our ability to manage market risk, credit risk and operational risk in the current economic conditions;

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

	●	our ability to successfully integrate any assets, liabilities, customers, systems and management personnel we may acquire into our operations and our ability to realize related revenue synergies and cost savings within expected time frames and any goodwill charges related thereto;

	●	changes in consumer spending, borrowing and savings habits;

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

	●	our ability to retain key employees;

	●	our compensation expense associated with equity allocated or awarded to our employees;

	●	changes in the financial condition, results of operations or future prospects of issuers of securities that we own;

	●	political instability;

	●	changes in the quality or composition of our loan or investment portfolios;

	●	technological changes that may be more difficult or expensive than expected;

	●	failures or breaches of our IT security systems;

	●	the inability of third-party providers to perform as expected; and

	●	our ability to successfully introduce new products and services, enter new markets, and capitalize on growth opportunities.

Because of these and other uncertainties, our actual future results may be materially different from the results indicated by these forward-looking statements. The Company is not obligated to update any forward-looking statements, except as may be required by applicable law or regulation.

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

Critical Accounting Policies

Critical accounting estimates are necessary in the application of certain accounting policies and procedures and are particularly susceptible to significant change. Critical accounting policies are defined as those involving significant judgments and assumptions by management that could have a material impact on the carrying value of certain assets or on income under different assumptions or conditions. Management believes the accounting policies discussed below to be the most critical accounting policies, which involve the most complex or subjective decisions or assessments.

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 that specific loans, or portions of loans, are uncollectible. The allowance for loan losses is evaluated on a regular basis, and at least quarterly, by management. Management reviews the nature and volume of the loan portfolio, local and national conditions that may adversely affect the borrower’s ability to repay, loss experience, the estimated value of any underlying collateral, and other relevant factors. The evaluation of the allowance for loan losses is characteristically subjective as estimates are required that are subject to continual change as more information becomes available.

The allowance consists of general and specific reserve components. The specific reserves are related to loans that are considered impaired. Loans that are classified as impaired are measured in accordance with accounting guidance (ASC 310-10-35). The general reserve is allocated for non-impaired loans and includes evaluation of changes in the trend and volume of delinquency, our internal risk rating process and external conditions that may affect credit quality.

A loan is considered impaired when, based on current information and events, it is probable that we will be unable to collect the scheduled principal and interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status and the financial condition of the borrower. Loans that experience payment shortfalls and insignificant payment delays are typically not considered impaired. Management looks at each loan individually and considers all the circumstances around the shortfall or delay including the borrower’s prior payment history, borrower contact regarding the reason for the delay or shortfall and the amount of the shortfall. Collateral dependent loans are measured against the fair value of the collateral, while other loans are measured by the present value of expected future cash flows discounted at the loan’s effective interest rate. All loans are measured individually.

Loan segments are reviewed and evaluated for impairment based on the segment’s characteristic loss history and local economic conditions and trends within the segment that may affect the repayment of the loans.

From time to time, we may choose to restructure the contractual terms of certain loans either at the borrower or Bank’s request. We review all scenarios to determine the best payment structure with the borrower to improve the likelihood of repayment. Management reviews modified loans to determine if the loan should be classified as a trouble debt restructuring. A trouble debt restructuring is when a creditor, for economic or legal reasons related to a debtor’s financial difficulties, grants a concession to the borrower that it would not otherwise consider. Management considers the borrower’s ability to repay when a request to modify existing loan terms is presented. A transfer of assets to repay the loan balance, a modification of loan terms or a combination of these may occur. If an appropriate arrangement cannot be made, the loan is referred to legal counsel, at which time foreclosure will begin. If a loan is accruing at the time of restructuring, we review the loan to determine if it should be placed on non-accrual. It is our policy to keep a troubled debt restructured loan on non-accrual status for at least six months to ensure the borrower can repay, at that time management may consider its return to accrual status.

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

Critical Accounting Policies (Continued)

Troubled debt restructured loans are considered to be impaired.

Income Taxes. SSB Bank accounts for income taxes in accordance with accounting guidance (ASC 740, Income Taxes). The income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. U.S. GAAP requires that we use the Balance Sheet Method to determine the deferred income, which affects the differences between the book and tax bases of assets and liabilities, and any changes in tax rates and laws are recognized in the period in which they occur. Deferred taxes are based on a valuation model and the determination on a quarterly basis whether all or a portion of the deferred tax asset will be recognized.

Fair Value Measurements. The fair value of a financial instrument is defined as the amount at which the instrument could be exchanged in a current transaction between willing parties, other than in a forced or liquidation sale. SSB Bank estimates the fair value of a financial instrument and any related asset impairment using a variety of valuation methods. Where financial instruments are actively traded and have quoted market prices, quoted market prices are used for fair value. When the financial instruments are not actively traded, other observable market inputs, such as quoted prices of securities with similar characteristics, may be used, if available, to determine fair value. When observable market prices do not exist, we estimate fair value. These estimates are subjective in nature and imprecision in estimating these factors can impact the amount of revenue or loss recorded. A more detailed description of the fair values measured at each level of the fair value hierarchy and the methodology utilized by SSB Bank can be found in Note 14 to the 2017 Financial Statements included in the Company’s Annual Report on Form 10-K filed on April 17, 2018.

Investment Securities. Available for sale and held to maturity securities are reviewed quarterly for possible other-than-temporary impairment. The review includes an analysis of the facts and circumstances of each individual investment such as the severity of loss, the length of time the fair value has been below cost, the expectation for that security’s performance, the creditworthiness of the issuer and our intent and ability to hold the security to recovery. A decline in value that is considered to be other-than-temporary is recorded as a loss within non-interest income in the statements of income. At September 30, 2018, we believe the unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the fair value of securities will decrease; as market yields fall, the fair value of securities will increase. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value.

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

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

Total Assets. Total assets increased by $11.6 million, or 6.8%, from $171.9 million at December 31, 2017 to $183.5 million at September 30, 2018. The increase was due primarily to an increase in net loans of $16.0 million, or 11.4%, to $156.6 million at September 30, 2018 from $140.6 million at December 31, 2017. Securities available for sale also increased by $6.3 million from $2.6 million at December 31, 2017, to $8.9 million at September 30, 2018. The increases were partially offset by a decrease in cash and cash equivalents of $10.6 million, or 64.3%, from $16.5 million at December 31, 2017, to $5.9 million at September 30, 2018, as the cash was invested in securities and used to fund loans. Prepaid reorganization and stock issuance costs decreased from $838,000 at December 31, 2017 to zero dollars at September 30, 2018, as the stock issuance was completed in 2018.

Cash and Cash Equivalents. Cash and cash equivalents decreased by $10.6 million, or 64.3%, to $5.9 million at September 30, 2018 from $16.5 million at December 31, 2017. The decrease in cash was the result of the increase in investments available for sale as well as funding loan demand.

Net Loans. Net loans increased $16.0 million, or 11.4%, to $156.6 million at September 30, 2018, from $140.6 million at December 31, 2017. This was driven by increases in commercial mortgage loans and commercial and industrial loans. Commercial mortgages increased $8.6 million, or 17.1%, from $50.1 million at December 31, 2017 to $58.7 million at September 30, 2018. Commercial and industrial loans increased $6.7 million, or 58.2%, from $11.5 million at December 31, 2017 to $18.1 million at September 30, 2018. There was also an increase in consumer loans of $1.2 million during the period.

Available for Sale Securities. Securities available for sale increased by $6.3 million, or 241.0%, to $8.9 million at September 30, 2018, from $2.6 million at December 31, 2017. We purchased $3.7 million and $3.0 million of collateralized mortgage obligations and corporate bonds, respectively. The increase was offset by the maturity of one municipal bond of $85,000 as well as $97,000 in gross unrealized losses during the period.

Deposits. Total deposits decreased to $131.4 million at September 30, 2018 from $132.4 million at December 31, 2017. The decrease of $1.1 million, or 0.8%, was primarily due to a decrease in interest-bearing demand accounts to $14.1 million at September 30, 2018 from $23.2 million at December 31, 2017. This decrease was due primarily to stock subscription funds having been deposited in a business checking account pending the completion of the Reorganization in January 2018. Partially offsetting the decrease, money market accounts increased by $516,000 to $15.1 million at September, 2018 from $14.6 million at December 31, 2017; savings accounts increased $1.2 million, or 9.8%, to $13.8 million at September 30, 2018, from $12.5 million at December 31, 2017; and time deposits increased by $6.2 million, or 7.6% to $87.9 million at September 30, 2018, from $81.7 million at December 31, 2017. The increase in time deposits was driven by loan demand.

Federal Home Loan Bank Advances. Federal Home Loan Bank advances increased by $5.0 million or 18.8% to $31.4 million at September 30, 2018, from $26.4 million at December 30, 2017. The increase in borrowings funded new investments and loans during the period.

Stockholders’ Equity. Stockholders’ equity increased by $8.0 million, or 66.0%, to $20.1 million at September 30, 2018 from $12.1 million at December 31, 2017. The increase was due to $8.7 million of paid-in capital from the net proceeds of the stock offering completed on January 24, 2018. Additionally, retained earnings increased by $198,000, or 1.6%, to $12.3 million at September 30, 2018, from $12.1 million at December 31, 2017. The increase was partially offset by $848,000 in unearned compensation related to the Employee Stock Ownership Plan and an additional $79,000 in accumulated other comprehensive loss.

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

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

Net Income. Net income totaled $95,000 for the three months ended September 30, 2018, compared to net income of $123,000 for the three months ended September 30, 2017, a decrease of $28,000 or 22.8%. The decrease was driven by an increase in total interest expense of $171,000 or 29.2%, to $755,000 for the three months ended September 30, 2018, from $585,000 for the three months ended September 30, 2017. Noninterest expense increased $120,000, or 13.6%, from $884,000 for the three months ended September 30, 2017 to $1.0 million for the three months ended September 30, 2018. Offsetting these decreases was an increase in interest income of $205,000, or 12.9%, from $1.6 million for the three months ended September 30, 2017 to $1.8 million for the three months ended September 30, 2018. There was also in increase in noninterest income of $5,000 from $130,000 for the three months ended September 30, 2017 to $135,000 for the three months ended September 30, 2018.

Interest and Dividend Income. Interest and dividend income increased $205,000, or 12.9%, to $1.8 million for the three months ended September 30, 2018, from $1.6 million for the three months ended September 30, 2017. Interest income on loans increased $158,000, or 10.4%, when comparing the three months ended September 30, 2018, with the three months ended September 30, 2017. This increase is primarily attributable to an increase in the average balance of net loans of $19.0 million, or 14.2%. The average balance of net loans increased from $133.9 million to $153.0 million when comparing the three months ended September 30, 2018 with the three months ended September 30, 2017. There was also an increase in the average balance of investment securities of $2.3 million, or 80.5%, from $2.8 million for the three months ended September 30, 2017, to $5.0 million for the three months ended September 30, 2018.

Interest Expense. Total interest expense increased $171,000, or 29.2%, to $755,000 for the three months ended September 30, 2018, compared to $585,000 for the three months ended September 30, 2017. Interest expense on deposit accounts increased $133,000, or 30.0%, to $578,000 for the three months ended September 30, 2018, compared to $445,000 for the three months ended September 30, 2017. The increase was primarily due to an increase in the average balance of interest-bearing deposits of $4.9 million, or 4.2%, from $115.5 million for the three months ended September 30, 2017, to $120.3 million for the three months ended September 30, 2018. Among interest bearing deposits, the largest impact is from an increase of $10.0 million, or 13.3%, in time deposits. Additionally, the cost of funds associated with interest-bearing deposits increased 39 basis points from 1.54% for the three months ended September 30, 2017, to 1.93% for the three months ended September 30, 2018, primarily due to increases in deposit rates in response to competition.

Interest expense on Federal Home Loan Bank advances increased $37,000 or 26.5%, to $177,000 for the three months ended September 30, 2018, from $140,000 for the three months ended September 30, 2017. The increase was driven by the increase in the average balance of advances of $2.9 million, or 11.1%, from $26.4 million for the three months ended September 30, 2017 to $29.4 million for the three months ended September 30, 2018. The average cost of these borrowings increased 29 basis points from 2.13% for the three months ended September 30, 2017 to 2.42% for the three months ended September 30, 2018.

Net Interest Income. Net interest income increased $34,000, or 3.4%, when comparing the two periods. This was due to an increase in interest income of $205,000 when comparing the two periods, while interest expense increased by $171,000 over the two periods. Average interest-earning assets for the three months ended September 30, 2017 was $146.0 million, and it increased $22.4 million to $168.4 million for the three months ended September 30, 2018, an increase of 15.4%. Net interest earning assets increased $14.6 million, or 358.9%, to $18.7 million for the three months ended September 30, 2018, from $4.1 million for the three months ended September 30, 2017.

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

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

Provision for Loan Losses. The provision for loan losses decreased $11,000, or 18.1%, to $50,000 for the three months ended September 30, 2018, from $61,000 for the three months ended September 30, 2017. Net loans increased $6.3 million during the three months ended September 30, 2018, compared to an increase of $7.1 million during the three months ended September 30, 2017, thus resulting in a slightly lower provision when comparing the two periods.

The allowance for loan losses reflects the estimate we believe adequate to cover inherent probable losses. While we believe the estimates and assumptions used in our determination of the adequacy of the allowance are reasonable, such estimates and assumptions could change based upon the risk characteristics of the various portfolio segments, experience with losses, the impact of economic conditions on borrowers and other relevant factors.

Non-Interest Income. Non-interest income increased $5,000, or 3.6% to $135,000 for the three months ended September 30, 2018, from $130,000 for the comparable three months ended September 30, 2017. The increase was primarily due to small increases in loan servicing fees, earnings on bank-owned life insurance, and other noninterest income. These gains were partially offset by a decrease in gain on sale of loans of $20,000 when comparing the two periods. This is due to the decrease in one-to-four family mortgage refinances due to a rise in interest rates.

Non-Interest Expense. Non-interest expense increased $120,000, or 13.6%, to $1.0 million for the three months ended September 30, 2018, compared to $884,000 for the three months ended September 30, 2017. Salaries and employee benefits increased $24,000, or 5.6%, to $458,000 for the three months ended September 30, 2018 from $434,000 for the three months ended September 30, 2017. The increase was associated with the addition of staff dedicated to marketing, business development, and credit administration. Additionally, due to the addition of a second branch office, occupancy expenses increased $26,000, or 38.8%, to $93,000 for the three months ended September 30, 2018, from $67,000 for the three months ended September 30, 2017. Federal deposit insurance, data processing, director fees, and contributions and donations increased $16,000, $22,000, $20,000, and $10,000, respectively. A decrease in professional fees of $8,000 provided a small offset to the increases. The decrease in professional fees is due to a change in service provider.

Income Taxes. The income tax provision decreased from $61,000 for the three months ended September 30, 2017 to $18,000 for the three months ended September 30, 2018, a decrease of $42,000 or 69.8%. The effective tax rate was 16.2% for the three months ended September 30, 2018, and 33.1% for the three months ended September 30, 2017. The lower effective tax rate was a result of the Job and Tax Cuts Act enacted into law in December 2017.

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

Net Income. Net income totaled $198,000 for the nine months ended September 30, 2018, compared to net income of $630,000 for the nine months ended September 30, 2017, a decrease of $431,000 or 68.5%. The decrease was driven by an increase in noninterest expense of $743,000, or 32.7%, to $3.0 million for the nine months ended September 30, 2018, from $2.3 million for the nine months ended September 30, 2017. There was also a decrease in noninterest income of $33,000, or 8.4%, to $361,000 for the nine months ended September 30, 2018, from $394,000 for the nine months ended September 30, 2017. There was a decrease in net interest income of $49,000, or 1.6%, and it remained at $3.0 million for the nine months ended September 30, 2019.

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

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

Also, the provision for income taxes decreased by $328,000, or 94.5%, to $19,000 for the nine months ended September 30, 2018, from $347,000 for the nine months ended September 30, 2017.

Interest and Dividend Income. Interest and dividend income increased $307,000, or 6.5%, to $5.0 million for the nine months ended September 30, 2018, from $4.7 million for the nine months ended September 30, 2017. Interest income on loans increased $216,000, or 4.8%. This increase is primarily attributable to an increase in the average balance of net loans of $29.3 million, or 24.8%. The average balances of net loans increased from $118.4 million to $147.8 million when comparing the nine months ended September 30, 2017 with the nine months ended September 30, 2018.

Interest Expense. Total interest expense increased $357,000, or 21.2%, to $2.0 million for the nine months ended September 30, 2018, compared to $1.7 million for the nine months ended September 30, 2017. Interest expense on deposit accounts increased $270,000, or 21.1%, to $1.6 million for the nine months ended September 30, 2018, compared to $1.3 million for the nine months ended September 30, 2017. The increase was primarily due to an increase in the average balance of interest-bearing deposits of $5.0 million, or 4.4%, from $113.2 million for the nine months ended September 30, 2017, to $118.2 million for the nine months ended September 30, 2018. Among interest bearing deposits, the largest impact is from a $9.5 million, or 12.9%, increase in time deposits. Additionally, the cost of funds associated with interest-bearing deposits increased 24 basis points from 1.51% for the nine months ended September 30, 2017, to 1.75% for the nine months ended September 30, 2018, due to increases in deposit rates in response to competition.

Interest expense on Federal Home Loan Bank advances increased $87,000 or 21.7%, to $487,000 for the nine months ended September 30, 2018, from $400,000 for the nine months ended September 30, 2017. The increase was driven by the increase in the average balance of advances of $2.1 million, or 8.3%, from $25.2 million for the nine months ended September 30, 2017 to $27.3 million for the nine months ended September 30, 2018. The average cost of these borrowings increased 26 basis points from 2.12% for the nine months ended September 30, 2017 to 2.38% for the nine months ended September 30, 2018, primarily due to the replacement of a maturing lower-cost Federal Home Loan Bank advance with a higher-cost advance.

Net Interest Income. Net interest income decreased $49,000, or 1.6%, when comparing the two periods. This was due to an increase in interest expense of $357,000 when comparing the two periods, while interest income increased by $307,000 over the two periods. Average interest-earning assets for the nine months ended September 30, 2017 was $142.9 million, increasing $18.4 million to $161.4 million for the nine months ended September 30, 2018, an increase of 12.9%. Net interest earning assets increased $11.3 million, or 253.0%, to $15.8 million for the nine months ended September 30, 2018, from $4.5 million for the nine months ended September 30, 2017. Additionally, interest rate spread decreased 50 basis points from 2.79% to 2.29%, and net interest margin decreased 37 basis points from 2.84% to 2.47% when comparing the two periods.

Provision for Loan Losses. The provision for loan losses decreased $66,000, or 36.5%, to $115,000 for the nine months ended September 30, 2018, from $181,000 for the nine months ended September 30, 2017. During the nine months ended September 30, 2017, the bank made adjustments to FAS 5 factors resulting in a larger than typical provision which accounts for the significant decrease in the provision when comparing the two periods.

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

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

Non-Interest Income. Non-interest income decreased $33,000, or 8.4% to $361,000 for the nine months ended September 30, 2018, from $394,000 for the comparable nine months ended September 30, 2017. The decrease was primarily due to a decrease in gains on sale of loans of $115,000, or 42.1%, to $158,000 for the nine months ended September 30, 2018, from $272,000 for the nine months ended September 30, 2017. Partially offsetting this decrease was a $37,000 increase in loan servicing fees, a $17,000 increase in earnings on bank-owned life insurance, and a $28,000 increase in other noninterest income when comparing the two periods.

Non-Interest Expense. Non-interest expense increased $743,000, or 32.7%, to $3.0 million for the nine months ended September 30, 2018, compared to $2.3 million for the nine months ended September 30, 2017. Professional fees increased $284,000 to $557,000 for the nine months ended September 30, 2018, from $273,000 for the comparable nine months ended September 30, 2017. The increase is principally due to additional accounting and auditing expenses associated with the regulatory filings related to the Reorganization. Salaries and employee benefits increased $141,000, or 12.3%, to $1.3 million for the nine months ended September 30, 2018 from $1.1 million for the nine months ended September 30, 2017. The increase was associated with the addition of staff due to the opening of a new branch office and increased staffing in lending, business development, and marketing. Additionally, due to the addition of a second branch, occupancy expenses increased $93,000, or 49.4%, to $280,000 for the nine months ended September 30, 2018, from $188,000 for the nine months ended September 30, 2017. Lastly, federal deposit insurance, data processing, director fees, and other noninterest expense increased $42,000, $34,000, $53,000, and $80,000, respectively.

Income Taxes. The income tax provision decreased from $347,000 for the nine months ended September 30, 2017 to $19,000 for the nine months ended September 30, 2018, a decrease of $328,000 or 94.5%. The effective tax rate was 8.8% for the nine months ended September 30, 2018, and 35.5% for the nine months ended September 30, 2017. The lower effective tax rate was a result of the Job and Tax Cuts Act enacted into law in December 2017.

Management of Market Risk

General. Our most significant form of market risk is interest rate risk because, as a financial institution, the majority of our assets and liabilities are sensitive to changes in interest rates. Therefore, a principal part of our operations is to manage interest rate risk and limit the exposure of our financial condition and results of operations to changes in market interest rates. Our Asset/Liability Management Committee is responsible for evaluating the interest rate risk inherent in our assets and liabilities, for determining the level of risk that is appropriate, given our business strategy, operating environment, capital, liquidity and performance objectives, and for managing this risk consistent with the policy and guidelines approved by our board of directors. We currently utilize a third-party modeling program, prepared on a quarterly basis, to evaluate our sensitivity to changing interest rates, given our business strategy, operating environment, capital, liquidity and performance objectives, and for managing this risk consistent with the guidelines approved by the board of directors.

Our interest rate risk profile is considered liability-sensitive, which means that if interest rates rise our deposits and other interest-bearing liabilities would be expected to reprice to higher interest rates faster than would our loans and other interest-earning assets. We have sought to manage our interest rate risk in order to minimize the exposure of our earnings and capital to changes in interest rates. In recent years, we have implemented the following strategies to manage our interest rate risk:

●

increasing lower cost core deposits and limiting our reliance on higher cost funding sources, such as time deposits; and

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

Management of Market Risk (Continued)

●

diversifying our loan portfolio by adding more commercial-related loans, which typically have shorter maturities and/or balloon payments, and selling one- to four-family residential mortgage loans, which have fixed interest rates and longer terms.

By following these strategies, we believe that we are better positioned to react to increases in market interest rates.

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

Economic Value of Equity. We analyze our sensitivity to changes in interest rates through an economic value of equity (“EVE”) model. EVE represents the difference between the present value of assets and the present value of liabilities. The EVE ratio represents the dollar amount of our EVE divided by the present value of our total assets for a given interest rate scenario. EVE attempts to quantify our economic value using a discounted cash flow methodology while the EVE ratio reflects that value as a form of capital ratio. We estimate what our EVE would be at a specific date. We then calculate what the EVE would be at the same date throughout a series of interest rate scenarios representing immediate and permanent, parallel shifts in the yield curve. We currently calculate EVE under the assumptions that interest rates increase 100, 200, 300 and 400 basis points from current market rates and that interest rates decrease 100 basis points from current market rates.

The following table presents the estimated changes in our EVE that would result from changes in market interest rates at September 30, 2018. All estimated changes presented in the table are within the policy limits approved by our board of directors.

									EVE as Percent of Economic
	Estimated Increase (Decrease) in EVE								Value of Assets
Basis Point (“bp”)
Change in Interest Rates (1)	Estimated EVE		Dollar Change			Percent Change			EVE Ratio (2)			Change

+400bp	$	14,387	$	(7,120	)		(33.11	)%		8.91	%		(2.82	)%
+300bp		15,780		(5,727	)		(26.63	)%		9.49	%		(2.24	)%
+200bp		17,654		(3,853	)		(17.92	)%		10.28	%		(1.45	)%
+100bp		19,680		(1,827	)		(8.49	)%		11.09	%		(0.65	)%
0		21,507		-			0.00	%		11.73	%		0.00	%
-100bp		22,291		784			3.65	%		11.87	%		0.13	%

(1)	Assumes instantaneous parallel changes in interest rates.
(2)	EVE ratio represents the EVE divided by the economic value of assets.

Certain shortcomings are inherent in the methodologies used in the above interest rate risk measurements. Modeling requires making certain assumptions that may or may not reflect the manner in which actual yields and costs respond to changes in market interest rates. The above table assumes that the composition of our

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

Management of Market Risk (Continued)

interest-sensitive assets and liabilities existing at the date indicated remains constant uniformly across the yield curve regardless of the duration or repricing of specific assets and liabilities. Accordingly, although the table provides an indication of our interest rate risk exposure at a particular point in time, such measurements are not intended to and do not provide a precise forecast of the effect of changes in market interest rates on our EVE and will differ from actual results.

Liquidity and Capital Resources

Liquidity. Liquidity is the ability to meet current and future financial obligations of a short-term nature 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 investing activities and current and planned expenditures. Our primary sources of funds are deposits, principal and interest payments on loans and securities, proceeds from the sale of loans, and advances from the Federal Home Loan Bank of Pittsburgh. While maturities and scheduled amortization of loans and securities are predictable sources of funds, deposit flows and loan prepayments are greatly influenced by general interest rates, economic conditions, and competition. Our most liquid assets are cash and short-term investments including interest-bearing deposits in other financial institutions. The levels of these assets are dependent on our operating, financing, lending, and investing activities during any given period. At September 30,2018, the Company had cash and cash equivalents of $5.9 million. As of September 30, 2018 the Bank had $31.4 million in outstanding borrowings from the Federal Home Loan Bank of Pittsburgh and had $54.9 million of available borrowing capacity.

At September 30, 2018, the Bank had $13.0 million of loan commitments outstanding which includes $7.4 million of unused lines of credit, $3.8 million of unadvanced construction funds, and $1.8 million of commitments to extend credit. We have no other material commitments or demands that are likely to affect our liquidity. If loan demand was to increase faster than expected, or any unforeseen demand or commitment was to occur, we could access our borrowing capacity with the Federal Home Loan Bank of Pittsburgh.

Time deposits due within one year of September 30, 2018 totaled $26.5 million. If these deposits do not remain with us, we will be required to seek other sources of funds, including other time deposits and Federal Home Loan Bank of Pittsburgh advances. Depending on market conditions, we may be required to pay higher rates on such deposits or other borrowings than we paid on time deposits at September 30, 2018. We believe, however, based on past experience that a significant portion of our time deposits will remain with us. We have the ability to attract and retain deposits by adjusting the interest rates offered.

SSB Bancorp, Inc. is a separate legal entity from SSB Bank and must provide for its own liquidity to pay any dividends to its stockholders and for other corporate purposes. SSB Bancorp, Inc.’s primary source of liquidity is dividend payments it may receive from SSB Bank. SSB Bank’s ability to pay dividends to SSB Bancorp, Inc. is governed by applicable laws and regulations. At September 30, 2018, SSB Bancorp, Inc. (on an unconsolidated basis) had liquid assets of $3.5 million.

Capital Resources. At September 30, 2018, SSB Bank exceeded all regulatory capital requirements and it was categorized as “well capitalized.” We are not aware of any conditions or events since the most recent notification that would change our category.

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

Contractual Obligations and Off-Balance Sheet Arrangements

Contractual Obligations. In the ordinary course of our operations, we enter into certain contractual obligations. The following tables present our contractual obligations as of the dates indicated.

			Payments Due by Period
Contractual Obligations	Total		Less Than One Year		One to Three Years		Three to Five Years		More Than Five Years
	(In thousands)
At September 30, 2018:
Long-term debt obligations	$	31,375	$	6,250	$	15,125	$	-	$	10,000

At December 31, 2017:
Long-term debt obligations	$	26,416	$	9,292	$	7,124	$	-	$	10,000
Operating lease obligations		4		4		-		-		-

Off-Balance Sheet Arrangements. We are a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of our customers. These financial instruments include commitments to extend credit and unused lines of credit, which involve elements of credit and interest rate risk in excess of the amount recognized in the balance sheets. Our exposure to credit loss is represented by the

contractual amount of the instruments. We use the same credit policies in making commitments as we do for on-balance sheet instruments.

Item 3. Quantitative and Qualitative Disclosures About Market Risk

The information required by this item is included in Item 2 of this quarterly report under “Management of Market Risk.”

Item 4. Controls and Procedures

Under the supervision and with the participation of our senior management, including our principal executive officer and principal financial officer, SSB Bancorp, Inc. evaluated the effectiveness of the design and operation of its disclosure controls and procedures (as defined in Rules 13a-15(e) and 15d-15(e) under the Exchange Act) as of the end of the period covered by this Quarterly Report on Form 10-Q. Based upon that evaluation, the principal executive officer and principal financial officer concluded that, as of the end of the period covered by this Quarterly Report on Form 10-Q, our disclosure controls and procedures were not effective because of the material weaknesses disclosed below. Discussed below are the remediation efforts regarding material weaknesses related to (1) the allowance for loan losses and the identification and reporting of problem loans, and (2) the recognition of interest income on loans that have been sold or participated out to others.

With the oversight and participation of senior management, we have taken steps to remediate the underlying causes of these material weaknesses as follows:

Allowance for loan losses and the identification and reporting of problem loans – We have instituted a quarterly review and updating of the qualitative factors used in determining the allowance for loan losses, instituted a monthly review of changes to classified loans (including those designated as nonaccrual or as troubled debt restructurings) for accuracy and completeness and required that any changes to the allowance for loan losses be approved by the Chief Executive Officer and the Chief Financial Officer, among other steps.

Item 4. Controls and Procedures (Continued)

Recognition of interest income on sold and participated loans – We have created a contra-asset account to offset the daily accrual of interest income on sold and participated loans. We are also addressing with our core processor identified deficiencies related to report production inaccuracies and have agreed to utilize an upgraded application starting in March 2019. Until resolved to our satisfaction or until we change core processing applications, all fields and accrual information will be monitored monthly and documented within our financial reporting package.

Enhancing disclosure controls and procedures includes developing and/or revising formal policies and improving relevant procedures. The material weaknesses identified above will not be considered fully remediated until the new or revised policies and procedures have been in place and in operation for a sufficient time so that they may be tested and determined by senior management to be effective.

Except as disclosed above, there were no other changes made in our internal control over financial reporting during the quarter ended September 30, 2018 that have materially affected, or are reasonably likely to materially affect our internal control over financial reporting.

PART II – OTHER INFORMATION

Item 1. Legal Proceedings

We are not involved in any pending legal proceedings as a plaintiff or a defendant other than routine legal proceedings occurring in the ordinary course of business. At September 30, 2018, we were not involved in any legal proceedings the outcome of which we believe would be material to our financial condition or results of operations.

Item 1A. Risk Factors

Not applicable, as the Company is a “smaller reporting company.”

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

(a) Not applicable.

(b) Not applicable.

Item 3. Defaults Upon Senior Securities

None.

Item 4. Mine Safety Disclosures

Not applicable.

Item 5. Other Information

None.

Item 6. Exhibits

Exhibit
Number		Description

3.1		Articles of Incorporation of SSB Bancorp, Inc. ⁽¹⁾

3.2		Bylaws of SSB Bancorp, Inc. ⁽²⁾

31.1		Certification of Chief Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

31.2		Certification of Chief Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

32.1		Certification of Chief Executive Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

32.2		Certification of Chief Financial Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
101.0		The following materials for the quarter ended September 30, 2018, formatted in XBRL (Extensible Business Reporting Language): (i) Consolidated Statements of Financial Condition, (ii) the Consolidated Statements of Income, (iii) Consolidated Statements of Comprehensive Income (Loss), (iv) Consolidated Statements of Changes in Equity, (v) Consolidated Statements of Cash Flows, and (vi) Notes to Consolidated Financial Statements ⁽³⁾

(1)	Incorporated by reference to Exhibit 3.1 to the Company’s Registration Statement on Form S-1, as amended (Commission File No. 333-220403).
(2)	Incorporated by reference to Exhibit 3.2 to the Company’s Registration Statement on Form S-1, as amended (Commission File No. 333-220403).
(3)	Furnished, not filed.

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.

	SSB BANCORP, INC.

Date: December 10, 2019	/s/ J. Daniel Moon, IV
	J. Daniel Moon, IV
	President and Chief Executive Officer

Date: December 10, 2019	/s/ Benjamin A. Contrucci
	Benjamin A. Contrucci
	Chief Financial Officer

EX-31.1 2 ex31-1.htm

Exhibit 31.1

Certification of Chief Executive Officer

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

I, J. Daniel Moon, IV, certify that:

1.	I have reviewed this Quarterly Report on Form 10-Q/A of SSB Bancorp, Inc.;

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

3.	Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

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

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

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

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

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

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

	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: December 10, 2019	/s/ J. Daniel Moon, IV
	J. Daniel Moon, IV
	President and Chief Executive Officer

EX-31.2 3 ex31-2.htm

Exhibit 31.2

Certification of Chief Financial Officer

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

I, Benjamin A. Contrucci, certify that:

1.	I have reviewed this Quarterly Report on Form 10-Q/A of SSB Bancorp, Inc.;

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

3.	Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

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

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

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

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

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

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

	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: December 10, 2019	/s/ Benjamin A. Contrucci
	Benjamin A. Contrucci
	Chief Financial Officer

EX-32.1 4 ex32-1.htm

Exhibit 32.1

Certification of Chief Executive Officer

Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

J. Daniel Moon, IV, President and Chief Executive Officer of SSB Bancorp, Inc. (the “Company”), certifies in his capacity as the chief executive officer of the Company that he has reviewed the Quarterly Report on Form 10-Q/A for the quarter ended September 30, 2018 (the “Report”) and that, to the best of his knowledge:

	1.	The Report fully complies with the requirements of Sections 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.

Date: December 10, 2019	/s/ J. Daniel Moon, IV
	J. Daniel Moon, IV
	President and Chief Executive Officer

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

EX-32.2 5 ex32-2.htm

Exhibit 32.2

Certification of Chief Financial Officer

Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

Benjamin A. Contrucci, Chief Financial Officer of SSB Bancorp, Inc. (the “Company”), certifies in his capacity as the chief financial officer of the Company that he has reviewed the Quarterly Report on Form 10-Q/A for the quarter ended September 30, 2018 (the “Report”) and that, to the best of his knowledge:

	1.	The Report fully complies with the requirements of Sections 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.

Date: December 10, 2019	/s/ Benjamin A. Contrucci
	Benjamin A. Contrucci
	Chief Financial Officer

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The following tables present, by portfolio segment, the changes in the allowance for loan losses and the recorded investment in loans for the three and nine months ended September 30, 2018 (unaudited) and 2017 (unaudited), respectively:   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Commercial</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Consumer</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td>Three months ended</td> <td> </td> <td colspan="2" style="text-align: center">One-to-Four</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">and</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">and</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td>September 30, 2018:</td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Family</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Commercial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Industrial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">HELOC</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Allowance for loan losses:</td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 36%">Beginning balance</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">471,438</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">437,619</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">134,880</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">46,079</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">1,090,016</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Charge-offs</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(9,270</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">(29,146</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">(38,416</td> <td>)</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Recoveries</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 10pt">Provision (credit)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">(33,194</td> <td style="padding-bottom: 1.5pt">)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">(46,940</td> <td style="padding-bottom: 1.5pt">)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">104,987</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">25,147</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">50,000</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt">Ending balance</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">438,244</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">390,679</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">230,597</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">42,080</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,101,600</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Commercial</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Consumer</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td>Three months ended</td> <td> </td> <td colspan="2" style="text-align: center">One-to-Four</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">and</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">and</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td>September 30, 2017:</td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Family</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Commercial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Industrial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">HELOC</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Allowance for loan losses:</td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 36%">Beginning balance</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">488,009</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">324,941</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">70,466</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">57,316</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">940,732</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Charge-offs</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Recoveries</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 10pt">Provision (credit)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">2,495</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">12,352</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">15,186</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">31,017</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">61,050</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt">Ending balance</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">490,504</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">337,293</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">85,652</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">88,333</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,001,782</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Commercial</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Consumer</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td>Nine months ended</td> <td> </td> <td colspan="2" style="text-align: center">One-to-Four</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">and</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">and</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td>September 30, 2018:</td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Family</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Commercial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Industrial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">HELOC</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Allowance for loan losses:</td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 36%">Beginning balance</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">513,846</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">383,535</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">80,854</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">63,210</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">1,041,445</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Charge-offs</td> <td> </td> <td> </td> <td style="text-align: right">(16,429</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(9,270</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">(29,146</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">(54,845</td> <td>)</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Recoveries</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 10pt">Provision (credit)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">(59,173</td> <td style="padding-bottom: 1.5pt">)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">7,144</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">159,013</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">8,016</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">115,000</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt">Ending balance</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">438,244</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">390,679</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">230,597</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">42,080</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,101,600</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Commercial</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Consumer</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td>Nine months ended</td> <td> </td> <td colspan="2" style="text-align: center">One-to-Four</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">and</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">and</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td>September 30, 2017:</td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Family</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Commercial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Industrial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">HELOC</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Allowance for loan losses:</td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 36%">Beginning balance</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">498,410</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">228,763</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">59,439</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">34,127</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">820,739</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Charge-offs</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Recoveries</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 10pt">Provision (credit)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">(7,906</td> <td style="padding-bottom: 1.5pt">)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">108,530</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">26,213</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">54,206</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">181,043</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt">Ending balance</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">490,504</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">337,293</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">85,652</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">88,333</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,001,782</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   The following tables summarize the loan portfolio and allowance for loan losses by the primary segments of the loan portfolio as of September 30, 2018 (unaudited), and December 31, 2017.   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Mortgage One-to-Four Family</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Mortgage Commercial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Commercial and Industrial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Consumer and HELOC</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>September 30, 2018</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Allowance for loan losses:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 36%; padding-left: 10pt">Loans deemed impaired</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 10%; text-align: right">33,422</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 10%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 10%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 10%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 9%; text-align: right">33,422</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 10pt">Loans not deemed impaired</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">404,822</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">390,679</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">230,597</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">42,080</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">1,068,178</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt">Ending Balance</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">438,244</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">390,679</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">230,597</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">42,080</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">1,101,600</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>September 30, 2018</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Loans deemed impaired</td> <td> </td> <td> </td> <td style="text-align: right">2,492,049</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,779,350</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">155,660</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">11,747</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">4,438,806</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 10pt">Loans not deemed impaired</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">73,125,352</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">56,923,447</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">17,962,554</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">5,166,252</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">153,177,605</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt">Ending Balance</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">75,617,401</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">58,702,797</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">18,118,214</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">5,177,999</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">157,616,411</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Mortgage One-to-Four Family</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Mortgage Commercial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Commercial and Industrial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Consumer and HELOC</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>December 31, 2017</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Allowance for loan losses:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 36%; padding-left: 10pt">Loans deemed impaired</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 10%; text-align: right">23,870</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 10%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 10%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 10%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 9%; text-align: right">23,870</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 10pt">Loans not deemed impaired</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">489,976</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">383,535</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">80,854</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">63,210</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">1,017,575</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt">Ending Balance</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">513,846</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">383,535</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">80,854</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">63,210</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">1,041,445</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>December 31, 2017</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Loans deemed impaired</td> <td> </td> <td> </td> <td style="text-align: right">2,508,658</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,122,740</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,251</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">29,245</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">3,668,894</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 10pt">Loans not deemed impaired</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">73,349,568</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">48,999,318</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">11,447,303</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">3,985,013</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">137,781,202</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt">Ending Balance</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">75,858,226</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">50,122,058</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">11,455,554</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">4,014,258</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">141,450,096</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   The following tables present impaired loans by class as of September 30, 2018 (unaudited), and December 31, 2017, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary.   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="10" style="border-bottom: black 1.5pt solid; text-align: center">September 30, 2018</td> <td> </td> <td> </td> <td colspan="10" style="border-bottom: black 1.5pt solid; text-align: center">December 31, 2017</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Unpaid</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Unpaid</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Recorded</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Principal</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Related</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Recorded</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Principal</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Related</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Investment</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Balance</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Allowance</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Investment</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Balance</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Allowance</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>With no allowance recorded:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 40%; padding-left: 10pt">One-to-four family</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">2,137,668</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">2,137,668</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">2,356,007</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">2,356,007</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">-</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Commercial</td> <td> </td> <td>$</td> <td style="text-align: right">1,779,350</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">1,779,350</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,122,740</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,122,740</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Commercial and Industrial</td> <td> </td> <td>$</td> <td style="text-align: right">155,660</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">155,660</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,251</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,251</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Consumer and HELOC</td> <td> </td> <td>$</td> <td style="text-align: right">11,747</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">11,747</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">29,245</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">29,245</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>With an allowance recorded:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">One-to-four family</td> <td> </td> <td> </td> <td style="text-align: right">354,381</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">354,381</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">33,422</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">152,651</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">152,651</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">23,870</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Commercial and Industrial</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Consumer and HELOC</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Total mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">One-to-four family</td> <td> </td> <td> </td> <td style="text-align: right">2,492,049</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">2,492,049</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">33,422</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">2,508,658</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">2,508,658</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">23,870</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">1,779,350</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,779,350</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,122,740</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,122,740</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Commercial and Industrial</td> <td> </td> <td> </td> <td style="text-align: right">155,660</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">155,660</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,251</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,251</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Consumer and HELOC</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">11,747</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">11,747</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">29,245</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">29,245</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">4,438,806</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">4,438,806</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">33,422</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">3,668,894</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">3,668,894</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">23,870</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>     The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated.   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="6" style="text-align: center">Three Months Ended September 30, 2018</td> <td> </td> <td> </td> <td colspan="6" style="text-align: center">Three Months Ended September 30, 2017</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">(unaudited)</td> <td> </td> <td> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">(unaudited)</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Average</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Interest</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Average</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Interest</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Recorded</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Income</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Recorded</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Income</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Investment</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Recognized</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Investment</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Recognized</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>With no allowance recorded:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 48%; padding-left: 10pt">One-to-four family</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">2,051,434</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">8,881</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">1,832,617</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">52,335</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">1,555,260</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">5,125</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">200,988</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">803</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Commercial and industrial</td> <td> </td> <td> </td> <td style="text-align: right">142,033</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Consumer and HELOC</td> <td> </td> <td> </td> <td style="text-align: right">23,461</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">298</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>With an allowance recorded:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>One-to-four family</td> <td> </td> <td> </td> <td style="text-align: right">355,222</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,902</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">138,910</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">2,273</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Commercial</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Commercial and industrial</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Consumer and HELOC</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">16,699</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Total mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">One-to-four family</td> <td> </td> <td> </td> <td style="text-align: right">2,406,656</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">10,783</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,971,527</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">54,608</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">1,555,260</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">5,125</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">200,988</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">803</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Commercial and industrial</td> <td> </td> <td> </td> <td style="text-align: right">142,033</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Consumer and HELOC</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">23,461</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">298</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">16,699</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">4,127,410</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">16,206</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">2,189,214</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">55,411</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="6" style="text-align: center">Nine Months Ended September 30, 2018</td> <td> </td> <td> </td> <td colspan="6" style="text-align: center">Nine Months Ended September 30, 2017</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">(unaudited)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">(unaudited)</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Average</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Interest</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Average</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Interest</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Recorded</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Income</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Recorded</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Income</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Investment</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Recognized</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Investment</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Recognized</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>With no allowance recorded:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 48%; padding-left: 10pt">One-to-four family</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">1,961,587</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">9,313</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">1,788,550</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">76,546</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">1,262,149</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">6,669</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">202,584</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">96,606</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Commercial and industrial</td> <td> </td> <td> </td> <td style="text-align: right">105,142</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Consumer and HELOC</td> <td> </td> <td> </td> <td style="text-align: right">38,063</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">505</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>With an allowance recorded:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">One-to-four family</td> <td> </td> <td> </td> <td style="text-align: right">374,613</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">7,622</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">141,029</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">6,254</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Commercial and industrial</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Consumer and HELOC</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">5,566</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Total mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">One-to-four family</td> <td> </td> <td> </td> <td style="text-align: right">2,336,200</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">16,935</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,929,579</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">82,800</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">1,262,149</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">6,669</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">202,584</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">96,606</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Commercial and industrial</td> <td> </td> <td> </td> <td style="text-align: right">105,142</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Consumer and HELOC</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">38,063</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">505</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">5,566</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">3,741,554</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">24,109</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">2,137,729</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">179,406</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   Aging Analysis of Past-Due Loans by Class   Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following tables present the classes of the loan portfolio summarized by the aging categories at the dates indicated:   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="23" style="border-bottom: black 1.5pt solid; text-align: center">September 30, 2018 (unaudited)</td> <td> </td> <td colspan="3"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="3" style="text-align: center">30-59 Days</td> <td> </td> <td colspan="3" style="text-align: center">60-89 Days</td> <td> </td> <td colspan="3" style="text-align: center">90 Days or Greater</td> <td> </td> <td colspan="3" style="text-align: center">Total Past</td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3" style="text-align: center">Total Loans</td> <td> </td> <td colspan="3" style="text-align: center">90 Days or Greater Still</td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Past Due</td> <td> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Past Due</td> <td> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Past Due</td> <td> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Due</td> <td> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Current</td> <td> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Receivable</td> <td> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Accruing</td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 44%; padding-left: 10pt">One-to-four family</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">223,534</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 5%; text-align: right">294,661</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 5%; text-align: right">1,636,601</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 5%; text-align: right">2,154,796</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">73,462,605</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">75,617,401</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">       -</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">794,525</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,054,164</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,848,689</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">56,854,108</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">58,702,797</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Commercial and industrial</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">155,660</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">155,660</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">17,962,554</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">18,118,214</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Consumer and HELOC</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">10,547</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">1,200</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">11,747</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">5,166,252</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">5,177,999</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt; padding-left: 10pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,028,606</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">294,661</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">2,847,625</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">4,170,892</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">153,445,519</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">157,616,411</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">-</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="23" style="border-bottom: black 1.5pt solid; text-align: center">December 31, 2017</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="3" style="text-align: center">30-59 Days</td> <td> </td> <td colspan="3" style="text-align: center">60-89 Days</td> <td> </td> <td colspan="3" style="text-align: center">90 Days or Greater</td> <td> </td> <td colspan="3" style="text-align: center">Total Past</td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3" style="text-align: center">Total Loans</td> <td> </td> <td colspan="3" style="text-align: center">90 Days or Greater Still</td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Past Due</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Past Due</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Past Due</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Due</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Current</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Receivable</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Accruing</td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 44%; padding-left: 10pt">One-to-four family</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">982,168</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">399,992</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">1,900,116</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">3,282,276</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">72,575,950</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">75,858,226</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">     -</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">656,640</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,122,740</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,779,380</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">48,342,678</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">50,122,058</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Commercial and industrial</td> <td> </td> <td> </td> <td style="text-align: right">301,783</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,251</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">310,034</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">11,145,519</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">11,455,554</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Consumer and HELOC</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">662</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">14,386</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">29,245</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">44,293</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">3,969,965</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">4,014,258</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt; padding-left: 10pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,941,253</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">414,378</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">3,060,352</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">5,415,983</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">136,034,112</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">141,450,096</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">-</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   The following table presents the loans on nonaccrual status, by class:   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">September 30,</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">December 31,</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">2018</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">2017</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">(unaudited)</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 54%; padding-left: 10pt">One-to-four family</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 20%; text-align: right">2,210,273</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 20%; text-align: right">2,108,086</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">1,102,106</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,122,740</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Commercial and industrial</td> <td> </td> <td> </td> <td style="text-align: right">155,660</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,251</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Consumer and HELOC</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">11,747</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">29,245</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">3,479,786</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">3,268,322</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   Credit Quality Information   The Bank categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Bank analyzes commercial loans individually by classifying the loans as to their credit risk. The Bank uses a nine-grade internal loan rating system for commercial mortgage loans and commercial and industrial loans as follows:   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%"> <tr style="vertical-align: top"> <td style="width: 24px"> </td> <td style="width: 48px; text-align: center">●</td> <td style="text-align: justify">Loans rated 1, 2, 3, 4, and 5: Loans in these categories are considered “pass” rated loans with low to average risk.</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: center">●</td> <td style="text-align: justify">Loans rated 6: Loans in this category are considered “special mention.” These loans have a potential weakness that deserves management’s close attention. If left uncorrected, these weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date.</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: center">●</td> <td style="text-align: justify">Loans rated 7: Loans in this category are considered “substandard.” These loans have a well-defined weakness based on objective evidence that jeopardize the liquidation of the debt. These loans are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: center">●</td> <td style="text-align: justify">Loans rated 8: Loans in this category are considered “doubtful” and have all the weaknesses inherent in a loan rated 7. In addition, these weaknesses make collection or liquidation in full highly questionable and improbable, based on existing circumstances.</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: center">●</td> <td style="text-align: justify">Loans rated 9: Loans in this category are considered “loss” and are considered to be uncollectible or of such value that continuance as an asset is not warranted.</td></tr> </table>    Credit Quality Information (Continued)   The risk category of loans by class is as follows:   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">September 30, 2018 (unaudited)</td> <td> </td> <td> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">December 31, 2017</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Commercial and</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Commercial and</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Commercial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Industrial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Commercial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Industrial</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="6"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 34%; padding-left: 5.4pt">Loans rated 1 - 5</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 12%; text-align: right">56,971,390</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 15%; text-align: right">13,980,085</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 12%; text-align: right">48,764,928</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 15%; text-align: right">11,434,756</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 5.4pt">Loans rated 6</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">3,982,469</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">234,390</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">20,798</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 5.4pt">Loans rated 7</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">1,731,407</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">155,660</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">1,122,740</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt; padding-left: 5.4pt">Ending balance</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">58,702,797</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">18,118,214</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">50,122,058</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">11,455,554</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   There were no loans classified as doubtful or loss at September 30, 2018, or December 31, 2017.   For one-to-four family mortgage and consumer and HELOC loans, the Bank evaluates credit quality based on whether the loan is considered to be performing or nonperforming. Loans are generally considered to be nonperforming when they are placed on nonaccrual or become 90 days past due. The following table presents the balances of loans by class based on payment performance:   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">September 30, 2018 (unaudited)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">December 31, 2017</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Consumer</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Consumer</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">One-to-Four</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">and</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">One-to-Four</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">and</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Family</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">HELOC</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Family</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">HELOC</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 40%">Performing</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 12%; text-align: right">73,541,731</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 12%; text-align: right">5,166,252</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 12%; text-align: right">73,750,140</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 12%; text-align: right">3,985,013</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 1.5pt">Nonperforming</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">2,075,670</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">11,747</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">2,108,086</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">29,245</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">75,617,401</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">5,177,999</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">75,858,226</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">4,014,258</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   Troubled Debt Restructurings   There was one loan modified as a troubled debt restructuring during the three months ended September 30, 2018 (unaudited). The loan was a one-to-four family mortgage and had a pre- and post-modification balance of $146,053. The concession granted by the Bank was an extension of the maturity date. There were no additional loans modified as troubled debt restructurings in the nine months ended September 30, 2018.   During the nine months ended September 30, 2017, the Bank modified three loans as troubled debt restructurings. The loans were all one-to-four family mortgages and had a pre- and post-modification aggregate balance of $207,967. The concession granted by the Bank was an extension of the maturity date for all three of the loans noted.   As of September 30, 2018, and December 31, 2017, the Bank allocated $7,266 and $23,870, respectively, within the allowance for loan losses related to all loans modified as troubled debt restructurings.   The Bank did not have any loans modified as a troubled debt restructuring in the preceding 12 months that subsequently defaulted in the current reporting period.

<table cellspacing="0" cellpadding="0" style="width: 100%"> <tr style="vertical-align: top"> <td style="width: 24px; font: 12pt Times New Roman, Times, Serif; text-align: justify">11.</td> <td style="font: 12pt Times New Roman, Times, Serif; text-align: justify">FAIR VALUE MEASUREMENTS</td></tr> </table>   The following disclosures show the hierarchal disclosure framework associated with the level of pricing observations utilized in measuring assets and liabilities at fair value. The three broad pricing levels are as follows:   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr> <td style="vertical-align: top; width: 72px">Level I:</td> <td style="width: 10px; text-align: justify"> </td> <td style="text-align: justify">Quoted prices are available in active markets for identical assets or liabilities as of the reported date.</td></tr> <tr> <td style="vertical-align: top"> </td> <td style="text-align: justify"> </td> <td style="text-align: justify"> </td></tr> <tr> <td style="vertical-align: top">Level II:</td> <td style="text-align: justify"> </td> <td style="text-align: justify">Pricing inputs are other than the quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities includes items for which quoted prices are available but traded less frequently and items that are fair-valued using other financial instruments, the parameters of which can be directly observed.</td></tr> <tr> <td style="vertical-align: top"> </td> <td style="text-align: justify"> </td> <td style="text-align: justify"> </td></tr> <tr> <td style="vertical-align: top">Level III:</td> <td style="text-align: justify"> </td> <td style="text-align: justify">Valuations derived from valuation techniques in which one or more significant inputs or significant value drivers are unobservable.</td></tr> </table>   This hierarchy requires the use of observable market data, when available.   Fair values for securities are determined by obtaining quoted prices on nationally recognized securities exchanges or matrix pricing, which is a mathematical technique that is widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark-quoted securities. Fair values of securities determined by quoted prices in active markets, when available, are classified as Level I. At September 30, 2018 and December 31, 2017, fair value measurements were obtained from a third-party pricing service and not adjusted by management. Transfers are recognized at the end of the reporting period, as applicable.    The following tables present the assets reported on the balance sheets at their fair value by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="15" style="border-bottom: black 1.5pt solid; text-align: center">September 30, 2018 (unaudited)</td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Level I</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Level II</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Level III</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Total</td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Fair value measurements on a recurring basis:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 52%">Mortgage-backed securities in government-sponsored entities</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">3,975,191</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">3,975,191</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Obligations of state and political subdivisions</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,488,139</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,488,139</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Corporate bonds</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">3,266,923</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">3,266,923</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>U.S. treasury securities</td> <td> </td> <td> </td> <td style="text-align: right">192,632</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">192,632</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Mortgage servicing rights</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">240,747</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">240,747</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Impaired loans with reserve</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">320,959</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">320,959</td> <td> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="15" style="border-bottom: black 1.5pt solid; text-align: center">December 31, 2017</td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Level I</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Level II</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Level III</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Total</td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Fair value measurements on a recurring basis:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 52%">Mortgage-backed securities in government-sponsored entities</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">519,258</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">519,258</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Obligations of state and political subdivisions</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,599,878</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,599,878</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Corporate bonds</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">301,898</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">301,898</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>U.S. treasury securities</td> <td> </td> <td> </td> <td style="text-align: right">195,316</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">195,316</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Mortgage servicing rights</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">231,977</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">231,977</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Impaired loans with reserve</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">112,139</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">112,139</td> <td> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="14" style="border-bottom: black 1.5pt solid; text-align: center">September 30, 2018 (unaudited)</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Level I</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Level II</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Level III</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CEEFFF"> <td style="width: 52%">Fair value measurements on a nonrecurring basis:</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 9%; text-align: right"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 9%; text-align: right"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 9%; text-align: right"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 9%; text-align: right"> </td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Other real estate owned</td> <td> </td> <td>$</td> <td style="text-align: right">     -</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">      -</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">59,932</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">59,932</td> <td> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom; background-color: white"> <td style="text-align: right"> </td> <td> </td> <td style="border-bottom: black 1.5pt solid; text-align: center"> </td> <td colspan="14" style="border-bottom: black 1.5pt solid; text-align: center">December 31, 2017</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 52%; text-align: center"> </td> <td style="width: 1%; text-align: center"> </td> <td style="width: 1%; border-bottom: black 1.5pt solid; text-align: center"> </td> <td style="width: 9%; border-bottom: black 1.5pt solid; text-align: center">Level I</td> <td style="width: 1%; text-align: center"> </td> <td style="width: 1%; text-align: center"> </td> <td style="width: 1%; border-bottom: black 1.5pt solid; text-align: center"> </td> <td style="width: 9%; border-bottom: black 1.5pt solid; text-align: center">Level II</td> <td style="width: 1%; text-align: center"> </td> <td style="width: 1%; text-align: center"> </td> <td style="width: 1%; border-bottom: black 1.5pt solid; text-align: center"> </td> <td style="width: 9%; border-bottom: black 1.5pt solid; text-align: center">Level III</td> <td style="width: 1%; text-align: center"> </td> <td style="width: 1%; text-align: center"> </td> <td style="width: 1%; border-bottom: black 1.5pt solid; text-align: center"> </td> <td style="width: 9%; border-bottom: black 1.5pt solid; text-align: center">Total</td> <td style="width: 1%; text-align: center"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CEEFFF"> <td>Fair value measurements on a nonrecurring basis:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Other real estate owned</td> <td> </td> <td>$</td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">    -</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">59,932</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">59,932</td> <td> </td></tr> </table>   Other Real Estate Owned   Other real estate owned is measured at fair value, less estimated cost to sell at the date of foreclosure, which establishes a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management. The assets are carried at fair value, less estimated cost to sell. Income and expense from operations and changes in valuation allowance are included in other noninterest expense.   Level III Inputs   The following table provides the significant unobservable inputs used in the fair value measurement process for items valued using Level III techniques:   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center">Fair Value at</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center">Range</td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">September 30, 2018</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Valuation Techniques</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Valuation Unobservable Inputs</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">(Weighted Average)</td> <td style="text-align: center"> </td></tr> <tr> <td style="vertical-align: top"> </td> <td style="text-align: center"> </td> <td colspan="2" style="vertical-align: bottom; text-align: center">(unaudited)</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td></tr> <tr style="background-color: #CCEEFF"> <td style="vertical-align: top; width: 22%">Other real estate owned</td> <td style="width: 1%"> </td> <td style="vertical-align: bottom; width: 1%; text-align: right">$</td> <td style="vertical-align: bottom; width: 14%; text-align: right">59,932</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 16%">Appraised collateral values</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 27%">Discount for time since appraisal</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="vertical-align: bottom; width: 1%; text-align: right"> </td> <td style="vertical-align: bottom; width: 9%; text-align: right">10</td> <td style="vertical-align: bottom; width: 1%">%</td></tr> <tr style="background-color: white"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">(10</td> <td style="vertical-align: bottom; text-align: right">)%</td></tr> <tr style="background-color: #CCEEFF"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td>Selling costs</td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">10</td> <td style="vertical-align: bottom">%</td></tr> <tr style="background-color: white"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">(10</td> <td style="vertical-align: bottom; text-align: right">)%</td></tr> <tr style="background-color: #CCEEFF"> <td style="vertical-align: top">Impaired loans with reserve</td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">320,959</td> <td> </td> <td> </td> <td> </td> <td style="vertical-align: bottom">Discounted cash flows</td> <td> </td> <td> </td> <td> </td> <td style="vertical-align: bottom">Discount for evaluation</td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">10</td> <td style="vertical-align: bottom">%</td></tr> <tr style="background-color: white"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">(10</td> <td style="vertical-align: bottom; text-align: right">)%</td></tr> <tr style="background-color: #CCEEFF"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="vertical-align: bottom">Selling costs</td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">10</td> <td style="vertical-align: bottom">%</td></tr> <tr style="background-color: white"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">(10</td> <td style="vertical-align: bottom; text-align: right">)%</td></tr> <tr style="background-color: #CCEEFF"> <td style="vertical-align: top">Mortgage servicing rights</td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">240,747</td> <td> </td> <td> </td> <td> </td> <td style="vertical-align: bottom">Discounted cash flows</td> <td> </td> <td> </td> <td> </td> <td style="vertical-align: bottom">Loan prepayment speeds</td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">10.44</td> <td style="vertical-align: bottom">%</td></tr> <tr style="background-color: white"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">(10.44</td> <td style="vertical-align: bottom; text-align: right">)%</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center">Fair Value at</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center">Range</td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">December 31, 2017</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Valuation Techniques</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Valuation Unobservable Inputs</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">(Weighted Average)</td> <td style="text-align: center"> </td></tr> <tr> <td style="vertical-align: top"> </td> <td style="text-align: center"> </td> <td colspan="2" style="vertical-align: bottom; text-align: right"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="vertical-align: bottom"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="vertical-align: bottom"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td></tr> <tr style="background-color: #CCEEFF"> <td style="vertical-align: top; width: 22%">Other real estate owned</td> <td style="width: 1%"> </td> <td style="vertical-align: bottom; width: 1%; text-align: right">$</td> <td style="vertical-align: bottom; width: 14%; text-align: right">59,932</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="vertical-align: bottom; width: 1%"> </td> <td style="vertical-align: bottom; width: 16%">Appraised collateral values</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="vertical-align: bottom; width: 1%"> </td> <td style="vertical-align: bottom; width: 27%">Discount for time since appraisal</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="vertical-align: bottom; width: 1%; text-align: right"> </td> <td style="vertical-align: bottom; width: 9%; text-align: right">10</td> <td style="vertical-align: bottom; width: 1%">%</td></tr> <tr style="background-color: white"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">(10</td> <td style="vertical-align: bottom; text-align: right">)%</td></tr> <tr style="background-color: #CCEEFF"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom">Selling costs</td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">10</td> <td style="vertical-align: bottom; text-align: right">%</td></tr> <tr style="background-color: white"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">(10</td> <td style="vertical-align: bottom; text-align: right">)%</td></tr> <tr style="background-color: #CCEEFF"> <td style="vertical-align: top">Impaired loans with reserve</td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">112,139</td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom">Discounted cash flows</td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom">Discount for evaluation</td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">10</td> <td style="vertical-align: bottom">%</td></tr> <tr style="background-color: white"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">(10</td> <td style="vertical-align: bottom; text-align: right">)%</td></tr> <tr style="background-color: #CCEEFF"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom">Selling costs</td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">10</td> <td style="vertical-align: bottom; text-align: right">%</td></tr> <tr style="background-color: white"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">(10</td> <td style="vertical-align: bottom; text-align: right">)%</td></tr> <tr style="background-color: #CCEEFF"> <td style="vertical-align: top">Mortgage servicing rights</td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">231,977</td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom">Discounted cash flows</td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom">Loan prepayment speeds</td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">8.67</td> <td style="vertical-align: bottom">%</td></tr> <tr style="background-color: white"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">(8.67</td> <td style="vertical-align: bottom; text-align: right">)%</td></tr> </table>   The estimated fair values of the Company’s financial instruments are as follows:   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="18" style="border-bottom: black 1.5pt solid; text-align: center">September 30, 2018 (unaudited)</td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center">Carrying</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center">Fair</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2"> </td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Value</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Value</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Level I</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Level II</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Level III</td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Financial assets:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 40%; padding-left: 10pt">Cash and cash equivalents</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">5,875,416</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">5,875,416</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">5,875,416</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">-</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Certificates of deposit</td> <td> </td> <td> </td> <td style="text-align: right">846,000</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">835,649</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">835,649</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Investment securities:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 20pt">Available for sale</td> <td> </td> <td> </td> <td style="text-align: right">8,922,885</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,922,885</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">192,632</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,730,253</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 20pt">Held to maturity</td> <td> </td> <td> </td> <td style="text-align: right">7,109</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">7,196</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">7,196</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Loans, net</td> <td> </td> <td> </td> <td style="text-align: right">156,613,838</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">156,639,838</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">156,639,838</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Accrued interest receivable</td> <td> </td> <td> </td> <td style="text-align: right">557,291</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">557,291</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">557,291</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">FHLB Stock</td> <td> </td> <td> </td> <td style="text-align: right">2,614,900</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">2,614,900</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">2,614,900</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Financial liabilities:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Deposits</td> <td> </td> <td> </td> <td style="text-align: right">131,366,372</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">129,695,372</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">43,455,419</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">86,239,953</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">FHLB advances</td> <td> </td> <td> </td> <td style="text-align: right">31,374,500</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">30,933,500</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">30,933,500</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Accrued interest payable</td> <td> </td> <td> </td> <td style="text-align: right">245,098</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">245,098</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">245,098</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="19" style="border-bottom: black 1.5pt solid; text-align: center">December 31, 2017</td></tr> <tr> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center">Carrying</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center">Fair</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2"> </td> <td style="text-align: center"> </td></tr> <tr> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Value</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Value</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Level I</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Level II</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Level III</td> <td style="text-align: center"> </td></tr> <tr> <td> </td> <td> </td> <td colspan="2" style="text-align: right"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: right"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: right"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: right"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: right"> </td> <td> </td></tr> <tr style="background-color: #CEEFFF"> <td>Financial assets:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="background-color: white"> <td style="width: 40%; padding-left: 10pt">Cash and cash equivalents</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">16,478,066</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">16,478,066</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">16,478,066</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">-</td> <td style="width: 1%"> </td></tr> <tr style="background-color: #CEEFFF"> <td style="padding-left: 10pt">Certificates of deposit</td> <td> </td> <td> </td> <td style="text-align: right">943,000</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">946,497</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">946,497</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="background-color: white"> <td style="padding-left: 10pt">Investment securities:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="background-color: #CEEFFF"> <td style="padding-left: 20pt">Available for sale</td> <td> </td> <td> </td> <td style="text-align: right">2,616,350</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">2,616,350</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">195,316</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">2,421,034</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="background-color: white"> <td style="padding-left: 20pt">Held to maturity</td> <td> </td> <td> </td> <td style="text-align: right">9,797</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">9,494</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">9,494</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="background-color: #CEEFFF"> <td style="padding-left: 10pt">Loans, net</td> <td> </td> <td> </td> <td style="text-align: right">140,574,537</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">139,784,862</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">139,784,862</td> <td> </td></tr> <tr style="background-color: white"> <td style="padding-left: 10pt">Accrued interest receivable</td> <td> </td> <td> </td> <td style="text-align: right">476,417</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">476,417</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">476,417</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="background-color: #CEEFFF"> <td style="padding-left: 10pt">FHLB Stock</td> <td> </td> <td> </td> <td style="text-align: right">2,162,600</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">2,162,600</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">2,162,600</td> <td> </td></tr> <tr style="background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="background-color: #CEEFFF"> <td>Financial liabilities:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="background-color: white"> <td style="padding-left: 10pt">Deposits</td> <td> </td> <td> </td> <td style="text-align: right">132,430,024</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">132,189,024</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">50,730,909</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">81,458,115</td> <td> </td></tr> <tr style="background-color: #CEEFFF"> <td style="padding-left: 10pt">FHLB advances</td> <td> </td> <td> </td> <td style="text-align: right">26,416,200</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">25,602,500</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">25,602,500</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="background-color: white"> <td style="padding-left: 10pt">Accrued interest payable</td> <td> </td> <td> </td> <td style="text-align: right">206,597</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">206,597</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">206,597</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%"> <tr style="vertical-align: top"> <td style="width: 48px"> </td> <td style="text-align: justify">Financial instruments are defined as cash, evidence of an ownership interest in an entity, or a contract which creates an obligation or right to receive or deliver cash or another financial instrument from/to a second entity on potentially favorable or unfavorable terms.</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%"> <tr style="vertical-align: top"> <td style="width: 48px"> </td> <td style="text-align: justify">Fair value is defined as the amount at which a financial instrument could be exchanged in a current transaction between willing parties other than in a forced or liquidation sale. If a quoted market price is available for a financial instrument, the estimated fair value would be calculated based upon the market price per trading unit of the instrument.</td></tr> </table>

13. ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)   The following table presents the changes in accumulated other comprehensive income (loss) by component, net of tax:   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="6" style="text-align: center">Net Unrealized Gain (Loss)</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">on Securities</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">Three months ended September 30,</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">2018</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">2017</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="6" style="text-align: center">(unaudited)</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 62%">Accumulated other comprehensive income (loss), beginning of period</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 16%; text-align: right">(46,722</td> <td style="width: 1%">)</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 16%; text-align: right">(12,607</td> <td style="width: 1%">)</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Other comprehensive income (loss) on securities before reclassification, net of tax</td> <td> </td> <td> </td> <td style="text-align: right">(56,031</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">652</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Amounts reclassified from accumulated other comprehensive income (loss), net of tax</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Net other comprehensive income (loss)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">(56,031</td> <td style="padding-bottom: 1.5pt">)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">652</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Accumulated other comprehensive income  (loss), end of period</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">(102,753</td> <td style="padding-bottom: 2.5pt">)</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">(11,955</td> <td style="padding-bottom: 2.5pt">)</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="6" style="text-align: center">Net Unrealized Gain (Loss)</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">on Securities</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">Nine months ended September 30,</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">2018</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">2017</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="6" style="text-align: center">(unaudited)</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 62%">Accumulated other comprehensive income (loss), beginning of period</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 16%; text-align: right">(23,487</td> <td style="width: 1%">)</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 16%; text-align: right">(47,388</td> <td style="width: 1%">)</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Other comprehensive income (loss) on securities before reclassification, net of tax</td> <td> </td> <td> </td> <td style="text-align: right">(79,267</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">35,664</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Amounts reclassified from accumulated other comprehensive income (loss), net of tax</td> <td> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td> </td> <td> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">(231</td> <td>)</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Net other comprehensive income (loss)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">(79,267</td> <td style="padding-bottom: 1.5pt">)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">35,433</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt">Accumulated other comprehensive income  (loss), end of period</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">(102,754</td> <td style="padding-bottom: 2.5pt">)</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">(11,955</td> <td style="padding-bottom: 2.5pt">)</td></tr> </table>

14. EARNINGS PER SHARE   Earnings per common share for the three months ended September 30, 2018 are represented in the following table.   Earnings per common share for the nine months ended September 30, 2018 is not presented as the Company’s initial public offering was completed on January 24, 2018; therefore, per share results would not be meaningful.   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center">Three months ended </td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">September 30, 2018</td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center">(unaudited)</td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center"> </td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom; background-color: #CEEFFF"> <td style="width: 77%; padding-bottom: 2.5pt">Net Income</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 20%; border-bottom: black 2.25pt double; text-align: right">94,834</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CEEFFF"> <td>Shares outstanding for basic EPS:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Average shares outstanding</td> <td> </td> <td> </td> <td style="text-align: right">2,248,250</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CEEFFF"> <td style="padding-bottom: 1.5pt; padding-left: 10pt">Less: Average unearned ESOP shares</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">85,377</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right">2,162,873</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CEEFFF"> <td style="padding-bottom: 1.5pt">Additional dilutive shares</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CEEFFF"> <td style="padding-bottom: 2.5pt; padding-left: 10pt">Shares outstanding for basic and diluted EPS</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">2,162,873</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CEEFFF"> <td style="padding-bottom: 2.5pt">Basic and diluted income per share</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">0.04</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>

0.34

0.21

P25Y P1Y 2

315811

P10Y

303

5545

1534

5585

1581

9053354

2646080

4021797

3298437

1540374

192746

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479

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837944

The amortized cost, gross unrealized gains and losses, and fair values of securities available for sale are as follows:   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="14" style="border-bottom: black 1.5pt solid; text-align: center">September 30, 2018 (unaudited)</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Gross</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Gross</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Amortized</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Unrealized</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Unrealized</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Fair</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Cost</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Gains</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Losses</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Value</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 48%">Mortgage-backed securities in government-sponsored entities</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">4,021,797</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">279</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">(46,885</td> <td style="width: 1%">)</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">3,975,191</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Obligations of state and political subdivisions</td> <td> </td> <td> </td> <td style="text-align: right">1,540,374</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">171</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(52,406</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">1,488,139</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Corporate bonds</td> <td> </td> <td> </td> <td style="text-align: right">3,298,437</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(31,514</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">3,266,923</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 1.5pt">U.S. treasury securities</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">192,746</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">29</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">(143</td> <td style="padding-bottom: 1.5pt">)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">192,632</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt; padding-left: 10pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">9,053,354</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">479</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">(130,948</td> <td style="padding-bottom: 2.5pt">)</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">8,922,885</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="14" style="border-bottom: black 1.5pt solid; text-align: center">December 31, 2017</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Gross</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Gross</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Amortized</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Unrealized</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Unrealized</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Fair</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Cost</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Gains</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Losses</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Value</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 48%">Mortgage-backed securities in government-sponsored entities</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">524,873</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">(5,615</td> <td style="width: 1%">)</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">519,258</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Obligations of state and political subdivisions</td> <td> </td> <td> </td> <td style="text-align: right">1,626,608</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">852</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(27,582</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">1,599,878</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Corporate bonds</td> <td> </td> <td> </td> <td style="text-align: right">300,952</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,399</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(453</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">301,898</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 1.5pt">U.S. treasury securities</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">193,647</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">1,669</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">195,316</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt; padding-left: 10pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">2,646,080</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">3,920</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">(33,650</td> <td style="padding-bottom: 2.5pt">)</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">2,616,350</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>

The amortized cost, gross unrealized gains and losses, and fair values of securities held to maturity are as follows:     <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="14" style="border-bottom: black 1.5pt solid; text-align: center">September 30, 2018 (unaudited)</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Gross</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Gross</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Amortized</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Unrealized</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Unrealized</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Fair</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Cost</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Gains</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Losses</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Value</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 48%; padding-bottom: 1.5pt">Mortgage-backed securities in government-sponsored entities</td> <td style="width: 1%; padding-bottom: 1.5pt"> </td> <td style="width: 1%; border-bottom: black 1.5pt solid">$</td> <td style="width: 10%; border-bottom: black 1.5pt solid; text-align: right">7,109</td> <td style="width: 1%; padding-bottom: 1.5pt"> </td> <td style="width: 1%; padding-bottom: 1.5pt"> </td> <td style="width: 1%; border-bottom: black 1.5pt solid">$</td> <td style="width: 10%; border-bottom: black 1.5pt solid; text-align: right">87</td> <td style="width: 1%; padding-bottom: 1.5pt"> </td> <td style="width: 1%; padding-bottom: 1.5pt"> </td> <td style="width: 1%; border-bottom: black 1.5pt solid">$</td> <td style="width: 10%; border-bottom: black 1.5pt solid; text-align: right">          -</td> <td style="width: 1%; padding-bottom: 1.5pt"> </td> <td style="width: 1%; padding-bottom: 1.5pt"> </td> <td style="width: 1%; border-bottom: black 1.5pt solid">$</td> <td style="width: 10%; border-bottom: black 1.5pt solid; text-align: right">7,196</td> <td style="width: 1%; padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt; padding-left: 10pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">7,109</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">87</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">-</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">7,196</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="14" style="border-bottom: black 1.5pt solid; text-align: center">December 31, 2017</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Gross</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Gross</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Amortized</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Unrealized</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Unrealized</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Fair</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Cost</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Gains</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Losses</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Value</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 48%; padding-bottom: 1.5pt">Mortgage-backed securities in government-sponsored entities</td> <td style="width: 1%; padding-bottom: 1.5pt"> </td> <td style="width: 1%; border-bottom: black 1.5pt solid">$</td> <td style="width: 10%; border-bottom: black 1.5pt solid; text-align: right">9,797</td> <td style="width: 1%; padding-bottom: 1.5pt"> </td> <td style="width: 1%; padding-bottom: 1.5pt"> </td> <td style="width: 1%; border-bottom: black 1.5pt solid">$</td> <td style="width: 10%; border-bottom: black 1.5pt solid; text-align: right">     -</td> <td style="width: 1%; padding-bottom: 1.5pt"> </td> <td style="width: 1%; padding-bottom: 1.5pt"> </td> <td style="width: 1%; border-bottom: black 1.5pt solid">$</td> <td style="width: 10%; border-bottom: black 1.5pt solid; text-align: right">(303</td> <td style="width: 1%; padding-bottom: 1.5pt">)</td> <td style="width: 1%; padding-bottom: 1.5pt"> </td> <td style="width: 1%; border-bottom: black 1.5pt solid">$</td> <td style="width: 10%; border-bottom: black 1.5pt solid; text-align: right">9,494</td> <td style="width: 1%; padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt; padding-left: 10pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">9,797</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">-</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">(303</td> <td style="padding-bottom: 2.5pt">)</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">9,494</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>

The following tables show the Bank’s gross unrealized losses and fair value, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position:   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="22" style="border-bottom: black 1.5pt solid; text-align: center">September 30, 2018 (unaudited)</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">Less than Twelve Months</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">Twelve Months or Greater</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">Total</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Gross</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Gross</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Gross</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Fair</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Unrealized</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Fair</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Unrealized</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Fair</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Unrealized</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Value</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Losses</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Value</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Losses</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Value</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Losses</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 46%">U.S. treasury securities</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">159,530</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">(143</td> <td style="width: 1%">)</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">159,530</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">(143</td> <td style="width: 1%">)</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Mortgage-backed securities in government-sponsored entities</td> <td> </td> <td> </td> <td style="text-align: right">3,548,709</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(33,886</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">355,614</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(12,999</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">3,904,323</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(46,885</td> <td>)</td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Obligations of state and political subdivisions</td> <td> </td> <td> </td> <td style="text-align: right">1,046,166</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(17,428</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">393,718</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(34,978</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">1,439,884</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(52,406</td> <td>)</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 1.5pt">Corporate bonds</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">3,266,923</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">(31,514</td> <td style="padding-bottom: 1.5pt">)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">3,266,923</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">(31,514</td> <td style="padding-bottom: 1.5pt">)</td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt; padding-left: 10pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">8,021,328</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">(82,971</td> <td style="padding-bottom: 2.5pt">)</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">749,332</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">(47,977</td> <td style="padding-bottom: 2.5pt">)</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">8,770,660</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">(130,948</td> <td style="padding-bottom: 2.5pt">)</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="22" style="border-bottom: black 1.5pt solid; text-align: center">December 31, 2017</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">Less than Twelve Months</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">Twelve Months or Greater</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">Total</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Gross</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Gross</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Gross</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Fair</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Unrealized</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Fair</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Unrealized</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Fair</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Unrealized</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Value</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Losses</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Value</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Losses</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Value</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Losses</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 46%">Mortgage-backed securities in government-sponsored entities</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">519,258</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">(5,615</td> <td style="width: 1%">)</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">9,494</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">(303</td> <td style="width: 1%">)</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">528,752</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 6%; text-align: right">(5,918</td> <td style="width: 1%">)</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Obligations of state and political subdivisions</td> <td> </td> <td> </td> <td style="text-align: right">1,044,275</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(7,238</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">405,521</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(20,344</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">1,449,796</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(27,582</td> <td>)</td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Corporate bonds</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">199,898</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">(453</td> <td style="padding-bottom: 1.5pt">)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">199,898</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">(453</td> <td style="padding-bottom: 1.5pt">)</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt; padding-left: 10pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,763,431</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">(13,306</td> <td style="padding-bottom: 2.5pt">)</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">415,015</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">(20,647</td> <td style="padding-bottom: 2.5pt">)</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">2,178,446</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">(33,953</td> <td style="padding-bottom: 2.5pt">)</td></tr> </table>

The Bank’s loan portfolio summarized by category is as follows:   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">September 30,</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">December 31,</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">2018</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">2017</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">(unaudited)</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 60%; padding-left: 10pt">One-to-four family</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 17%; text-align: right">75,617,401</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 17%; text-align: right">75,858,226</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 10pt">Commercial</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">58,702,797</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">50,122,058</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right">134,320,198</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">125,980,284</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Commercial and industrial</td> <td> </td> <td> </td> <td style="text-align: right">18,118,214</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">11,455,554</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Consumer</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">5,177,999</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">4,014,258</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right">157,616,411</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">141,450,096</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Third-party loan acquisition and other net origination costs</td> <td> </td> <td> </td> <td style="text-align: right">304,708</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">385,883</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Discount on loans previously held for sale</td> <td> </td> <td> </td> <td style="text-align: right">(205,681</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">(219,997</td> <td>)</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 1.5pt">Allowance for loan losses</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">(1,101,600</td> <td style="padding-bottom: 1.5pt">)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">(1,041,445</td> <td style="padding-bottom: 1.5pt">)</td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt; padding-left: 20pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">156,613,838</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">140,574,537</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>

The allowance reflects management’s estimate of loan losses inherent in the loan portfolio at the balance sheet date. The following tables present, by portfolio segment, the changes in the allowance for loan losses and the recorded investment in loans for the three and nine months ended September 30, 2018 (unaudited) and 2017 (unaudited), respectively:   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Commercial</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Consumer</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td>Three months ended</td> <td> </td> <td colspan="2" style="text-align: center">One-to-Four</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">and</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">and</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td>September 30, 2018:</td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Family</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Commercial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Industrial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">HELOC</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Allowance for loan losses:</td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 36%">Beginning balance</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">471,438</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">437,619</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">134,880</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">46,079</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">1,090,016</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Charge-offs</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(9,270</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">(29,146</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">(38,416</td> <td>)</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Recoveries</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 10pt">Provision (credit)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">(33,194</td> <td style="padding-bottom: 1.5pt">)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">(46,940</td> <td style="padding-bottom: 1.5pt">)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">104,987</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">25,147</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">50,000</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt">Ending balance</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">438,244</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">390,679</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">230,597</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">42,080</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,101,600</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Commercial</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Consumer</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td>Three months ended</td> <td> </td> <td colspan="2" style="text-align: center">One-to-Four</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">and</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">and</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td>September 30, 2017:</td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Family</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Commercial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Industrial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">HELOC</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Allowance for loan losses:</td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 36%">Beginning balance</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">488,009</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">324,941</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">70,466</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">57,316</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">940,732</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Charge-offs</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Recoveries</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 10pt">Provision (credit)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">2,495</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">12,352</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">15,186</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">31,017</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">61,050</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt">Ending balance</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">490,504</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">337,293</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">85,652</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">88,333</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,001,782</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Commercial</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Consumer</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td>Nine months ended</td> <td> </td> <td colspan="2" style="text-align: center">One-to-Four</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">and</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">and</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td>September 30, 2018:</td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Family</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Commercial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Industrial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">HELOC</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Allowance for loan losses:</td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 36%">Beginning balance</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">513,846</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">383,535</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">80,854</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">63,210</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">1,041,445</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Charge-offs</td> <td> </td> <td> </td> <td style="text-align: right">(16,429</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">(9,270</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">(29,146</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">(54,845</td> <td>)</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Recoveries</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 10pt">Provision (credit)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">(59,173</td> <td style="padding-bottom: 1.5pt">)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">7,144</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">159,013</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">8,016</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">115,000</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt">Ending balance</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">438,244</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">390,679</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">230,597</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">42,080</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,101,600</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Commercial</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Consumer</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td>Nine months ended</td> <td> </td> <td colspan="2" style="text-align: center">One-to-Four</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">and</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">and</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td>September 30, 2017:</td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Family</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Commercial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Industrial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">HELOC</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Allowance for loan losses:</td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 36%">Beginning balance</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">498,410</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">228,763</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">59,439</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">34,127</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">820,739</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Charge-offs</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Recoveries</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 10pt">Provision (credit)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">(7,906</td> <td style="padding-bottom: 1.5pt">)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">108,530</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">26,213</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">54,206</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">181,043</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt">Ending balance</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">490,504</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">337,293</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">85,652</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">88,333</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,001,782</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>

The following tables summarize the loan portfolio and allowance for loan losses by the primary segments of the loan portfolio as of September 30, 2018 (unaudited), and December 31, 2017.   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Mortgage One-to-Four Family</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Mortgage Commercial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Commercial and Industrial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Consumer and HELOC</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>September 30, 2018</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Allowance for loan losses:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 36%; padding-left: 10pt">Loans deemed impaired</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 10%; text-align: right">33,422</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 10%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 10%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 10%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 9%; text-align: right">33,422</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 10pt">Loans not deemed impaired</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">404,822</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">390,679</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">230,597</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">42,080</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">1,068,178</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt">Ending Balance</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">438,244</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">390,679</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">230,597</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">42,080</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">1,101,600</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>September 30, 2018</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Loans deemed impaired</td> <td> </td> <td> </td> <td style="text-align: right">2,492,049</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,779,350</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">155,660</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">11,747</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">4,438,806</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 10pt">Loans not deemed impaired</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">73,125,352</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">56,923,447</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">17,962,554</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">5,166,252</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">153,177,605</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt">Ending Balance</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">75,617,401</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">58,702,797</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">18,118,214</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">5,177,999</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">157,616,411</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Mortgage One-to-Four Family</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Mortgage Commercial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Commercial and Industrial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Consumer and HELOC</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Total</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>December 31, 2017</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Allowance for loan losses:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 36%; padding-left: 10pt">Loans deemed impaired</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 10%; text-align: right">23,870</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 10%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 10%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 10%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 9%; text-align: right">23,870</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 10pt">Loans not deemed impaired</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">489,976</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">383,535</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">80,854</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">63,210</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">1,017,575</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt">Ending Balance</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">513,846</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">383,535</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">80,854</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">63,210</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">1,041,445</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>December 31, 2017</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Loans deemed impaired</td> <td> </td> <td> </td> <td style="text-align: right">2,508,658</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,122,740</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,251</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">29,245</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">3,668,894</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 10pt">Loans not deemed impaired</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">73,349,568</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">48,999,318</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">11,447,303</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">3,985,013</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">137,781,202</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt">Ending Balance</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">75,858,226</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">50,122,058</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">11,455,554</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">4,014,258</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">141,450,096</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>

The following tables present impaired loans by class as of September 30, 2018 (unaudited), and December 31, 2017, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary.   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="10" style="border-bottom: black 1.5pt solid; text-align: center">September 30, 2018</td> <td> </td> <td> </td> <td colspan="10" style="border-bottom: black 1.5pt solid; text-align: center">December 31, 2017</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Unpaid</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Unpaid</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Recorded</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Principal</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Related</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Recorded</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Principal</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Related</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Investment</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Balance</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Allowance</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Investment</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Balance</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Allowance</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>With no allowance recorded:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 40%; padding-left: 10pt">One-to-four family</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">2,137,668</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">2,137,668</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">2,356,007</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">2,356,007</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 7%; text-align: right">-</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Commercial</td> <td> </td> <td>$</td> <td style="text-align: right">1,779,350</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">1,779,350</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,122,740</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,122,740</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Commercial and Industrial</td> <td> </td> <td>$</td> <td style="text-align: right">155,660</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">155,660</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,251</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,251</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Consumer and HELOC</td> <td> </td> <td>$</td> <td style="text-align: right">11,747</td> <td> </td> <td> </td> <td>$</td> <td style="text-align: right">11,747</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">29,245</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">29,245</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>With an allowance recorded:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">One-to-four family</td> <td> </td> <td> </td> <td style="text-align: right">354,381</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">354,381</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">33,422</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">152,651</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">152,651</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">23,870</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Commercial and Industrial</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Consumer and HELOC</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Total mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">One-to-four family</td> <td> </td> <td> </td> <td style="text-align: right">2,492,049</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">2,492,049</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">33,422</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">2,508,658</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">2,508,658</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">23,870</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">1,779,350</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,779,350</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,122,740</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,122,740</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Commercial and Industrial</td> <td> </td> <td> </td> <td style="text-align: right">155,660</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">155,660</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,251</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,251</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Consumer and HELOC</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">11,747</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">11,747</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">29,245</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">29,245</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">4,438,806</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">4,438,806</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">33,422</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">3,668,894</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">3,668,894</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">23,870</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>

The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated.   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="6" style="text-align: center">Three Months Ended September 30, 2018</td> <td> </td> <td> </td> <td colspan="6" style="text-align: center">Three Months Ended September 30, 2017</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">(unaudited)</td> <td> </td> <td> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">(unaudited)</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Average</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Interest</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Average</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Interest</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Recorded</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Income</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Recorded</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Income</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Investment</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Recognized</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Investment</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Recognized</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>With no allowance recorded:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 48%; padding-left: 10pt">One-to-four family</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">2,051,434</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">8,881</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">1,832,617</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">52,335</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">1,555,260</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">5,125</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">200,988</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">803</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Commercial and industrial</td> <td> </td> <td> </td> <td style="text-align: right">142,033</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Consumer and HELOC</td> <td> </td> <td> </td> <td style="text-align: right">23,461</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">298</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>With an allowance recorded:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>One-to-four family</td> <td> </td> <td> </td> <td style="text-align: right">355,222</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,902</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">138,910</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">2,273</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Commercial</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Commercial and industrial</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Consumer and HELOC</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">16,699</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Total mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">One-to-four family</td> <td> </td> <td> </td> <td style="text-align: right">2,406,656</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">10,783</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,971,527</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">54,608</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">1,555,260</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">5,125</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">200,988</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">803</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Commercial and industrial</td> <td> </td> <td> </td> <td style="text-align: right">142,033</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Consumer and HELOC</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">23,461</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">298</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">16,699</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">4,127,410</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">16,206</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">2,189,214</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">55,411</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="6" style="text-align: center">Nine Months Ended September 30, 2018</td> <td> </td> <td> </td> <td colspan="6" style="text-align: center">Nine Months Ended September 30, 2017</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">(unaudited)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">(unaudited)</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Average</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Interest</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Average</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Interest</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Recorded</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Income</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Recorded</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Income</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Investment</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Recognized</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Investment</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Recognized</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>With no allowance recorded:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 48%; padding-left: 10pt">One-to-four family</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">1,961,587</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">9,313</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">1,788,550</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">76,546</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">1,262,149</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">6,669</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">202,584</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">96,606</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Commercial and industrial</td> <td> </td> <td> </td> <td style="text-align: right">105,142</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Consumer and HELOC</td> <td> </td> <td> </td> <td style="text-align: right">38,063</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">505</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>With an allowance recorded:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">One-to-four family</td> <td> </td> <td> </td> <td style="text-align: right">374,613</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">7,622</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">141,029</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">6,254</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Commercial and industrial</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Consumer and HELOC</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">5,566</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Total mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">One-to-four family</td> <td> </td> <td> </td> <td style="text-align: right">2,336,200</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">16,935</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,929,579</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">82,800</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">1,262,149</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">6,669</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">202,584</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">96,606</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Commercial and industrial</td> <td> </td> <td> </td> <td style="text-align: right">105,142</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Consumer and HELOC</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">38,063</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">505</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">5,566</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">3,741,554</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">24,109</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">2,137,729</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">179,406</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>

The following tables present the classes of the loan portfolio summarized by the aging categories at the dates indicated:   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="23" style="border-bottom: black 1.5pt solid; text-align: center">September 30, 2018 (unaudited)</td> <td> </td> <td colspan="3"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="3" style="text-align: center">30-59 Days</td> <td> </td> <td colspan="3" style="text-align: center">60-89 Days</td> <td> </td> <td colspan="3" style="text-align: center">90 Days or Greater</td> <td> </td> <td colspan="3" style="text-align: center">Total Past</td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3" style="text-align: center">Total Loans</td> <td> </td> <td colspan="3" style="text-align: center">90 Days or Greater Still</td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Past Due</td> <td> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Past Due</td> <td> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Past Due</td> <td> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Due</td> <td> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Current</td> <td> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Receivable</td> <td> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Accruing</td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 44%; padding-left: 10pt">One-to-four family</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">223,534</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 5%; text-align: right">294,661</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 5%; text-align: right">1,636,601</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 5%; text-align: right">2,154,796</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">73,462,605</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">75,617,401</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">       -</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">794,525</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,054,164</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,848,689</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">56,854,108</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">58,702,797</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Commercial and industrial</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">155,660</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">155,660</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">17,962,554</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">18,118,214</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Consumer and HELOC</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">10,547</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">1,200</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">11,747</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">5,166,252</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">5,177,999</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt; padding-left: 10pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,028,606</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">294,661</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">2,847,625</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">4,170,892</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">153,445,519</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">157,616,411</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">-</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="23" style="border-bottom: black 1.5pt solid; text-align: center">December 31, 2017</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="3" style="text-align: center">30-59 Days</td> <td> </td> <td colspan="3" style="text-align: center">60-89 Days</td> <td> </td> <td colspan="3" style="text-align: center">90 Days or Greater</td> <td> </td> <td colspan="3" style="text-align: center">Total Past</td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3" style="text-align: center">Total Loans</td> <td> </td> <td colspan="3" style="text-align: center">90 Days or Greater Still</td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Past Due</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Past Due</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Past Due</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Due</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Current</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Receivable</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Accruing</td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 44%; padding-left: 10pt">One-to-four family</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">982,168</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">399,992</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">1,900,116</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">3,282,276</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">72,575,950</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">75,858,226</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 5%; text-align: right">     -</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">656,640</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,122,740</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,779,380</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">48,342,678</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">50,122,058</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Commercial and industrial</td> <td> </td> <td> </td> <td style="text-align: right">301,783</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,251</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">310,034</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">11,145,519</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">11,455,554</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Consumer and HELOC</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">662</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">14,386</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">29,245</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">44,293</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">3,969,965</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">4,014,258</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt; padding-left: 10pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">1,941,253</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">414,378</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">3,060,352</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">5,415,983</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">136,034,112</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">141,450,096</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">-</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>

The following table presents the loans on nonaccrual status, by class:   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">September 30,</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">December 31,</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">2018</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">2017</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">(unaudited)</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Mortgage loans:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 54%; padding-left: 10pt">One-to-four family</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 20%; text-align: right">2,210,273</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 20%; text-align: right">2,108,086</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Commercial</td> <td> </td> <td> </td> <td style="text-align: right">1,102,106</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,122,740</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Commercial and industrial</td> <td> </td> <td> </td> <td style="text-align: right">155,660</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,251</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Consumer and HELOC</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">11,747</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">29,245</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">3,479,786</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">3,268,322</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>

The risk category of loans by class is as follows:   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">September 30, 2018 (unaudited)</td> <td> </td> <td> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">December 31, 2017</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Commercial and</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Commercial and</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Commercial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Industrial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Commercial</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Industrial</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="6"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 34%; padding-left: 5.4pt">Loans rated 1 - 5</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 12%; text-align: right">56,971,390</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 15%; text-align: right">13,980,085</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 12%; text-align: right">48,764,928</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 15%; text-align: right">11,434,756</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 5.4pt">Loans rated 6</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">3,982,469</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">234,390</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">20,798</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt; padding-left: 5.4pt">Loans rated 7</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">1,731,407</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">155,660</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">1,122,740</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 2.5pt; padding-left: 5.4pt">Ending balance</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">58,702,797</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">18,118,214</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">50,122,058</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">11,455,554</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>

The following table presents the balances of loans by class based on payment performance:   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">September 30, 2018 (unaudited)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">December 31, 2017</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Consumer</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Mortgage</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">Consumer</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">One-to-Four</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">and</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">One-to-Four</td> <td> </td> <td> </td> <td colspan="2" style="text-align: center">and</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Family</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">HELOC</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Family</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">HELOC</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 40%">Performing</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 12%; text-align: right">73,541,731</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 12%; text-align: right">5,166,252</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 12%; text-align: right">73,750,140</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 12%; text-align: right">3,985,013</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-bottom: 1.5pt">Nonperforming</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">2,075,670</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">11,747</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">2,108,086</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">29,245</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt">Total</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">75,617,401</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">5,177,999</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">75,858,226</td> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">4,014,258</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>

The Bank’s actual capital amounts and ratios are also presented in the table below.   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">September 30,</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">December 31,</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">2018</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">2017</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Amount</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Ratio</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Amount</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Ratio</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="6" style="text-align: center">(unaudited)</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Common Equity Tier 1 capital</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>(to risk-weighted assets)</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 48%">Actual</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">20,201,636</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 10%; text-align: right">14.16</td> <td style="width: 1%">%</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 10%; text-align: right">12,135,085</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 10%; text-align: right">9.47</td> <td style="width: 1%">%</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>For capital adequacy purposes</td> <td> </td> <td> </td> <td style="text-align: right">6,419,565</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">4.50</td> <td>%</td> <td> </td> <td> </td> <td style="text-align: right">5,718,465</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">4.50</td> <td>%</td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>To be well capitalized</td> <td> </td> <td> </td> <td style="text-align: right">9,272,705</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">6.50</td> <td>%</td> <td> </td> <td> </td> <td style="text-align: right">8,325,005</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">6.50</td> <td>%</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Tier 1 capital</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>(to risk-weighted assets)</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Actual</td> <td> </td> <td>$</td> <td style="text-align: right">20,201,636</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">14.16</td> <td>%</td> <td> </td> <td>$</td> <td style="text-align: right">12,135,085</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">9.47</td> <td>%</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>For capital adequacy purposes</td> <td> </td> <td> </td> <td style="text-align: right">8,559,420</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">6.00</td> <td>%</td> <td> </td> <td> </td> <td style="text-align: right">7,684,620</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">6.00</td> <td>%</td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>To be well capitalized</td> <td> </td> <td> </td> <td style="text-align: right">11,412,560</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8.00</td> <td>%</td> <td> </td> <td> </td> <td style="text-align: right">10,246,160</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8.00</td> <td>%</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Total capital</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>(to risk-weighted assets)</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Actual</td> <td> </td> <td>$</td> <td style="text-align: right">21,303,236</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">14.93</td> <td>%</td> <td> </td> <td>$</td> <td style="text-align: right">13,176,530</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">10.29</td> <td>%</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>For capital adequacy purposes</td> <td> </td> <td> </td> <td style="text-align: right">11,412,560</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8.00</td> <td>%</td> <td> </td> <td> </td> <td style="text-align: right">10,246,160</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8.00</td> <td>%</td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>To be well capitalized</td> <td> </td> <td> </td> <td style="text-align: right">14,265,700</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">10.00</td> <td>%</td> <td> </td> <td> </td> <td style="text-align: right">12,807,700</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">10.00</td> <td>%</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Tier 1 capital</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>(to average assets)</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Actual</td> <td> </td> <td>$</td> <td style="text-align: right">20,201,636</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">11.71</td> <td>%</td> <td> </td> <td>$</td> <td style="text-align: right">12,135,085</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">7.85</td> <td>%</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>For capital adequacy purposes</td> <td> </td> <td> </td> <td style="text-align: right">6,903,532</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">4.00</td> <td>%</td> <td> </td> <td> </td> <td style="text-align: right">6,186,160</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">4.00</td> <td>%</td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>To be well capitalized</td> <td> </td> <td> </td> <td style="text-align: right">8,629,416</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">5.00</td> <td>%</td> <td> </td> <td> </td> <td style="text-align: right">7,732,700</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">5.00</td> <td>%</td></tr> </table>

Off-balance sheet commitments consist of the following:   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">September 30,</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">2018</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="text-align: center">(unaudited)</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 71%">Commitments to extend credit</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 26%; text-align: right">1,804,500</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Construction unadvanced funds</td> <td> </td> <td> </td> <td style="text-align: right">3,835,392</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Unused lines of credit</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">7,401,838</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">13,041,730</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>

<table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="15" style="border-bottom: black 1.5pt solid; text-align: center">September 30, 2018 (unaudited)</td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Level I</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Level II</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Level III</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Total</td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Fair value measurements on a recurring basis:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 52%">Mortgage-backed securities in government-sponsored entities</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">3,975,191</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">3,975,191</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Obligations of state and political subdivisions</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,488,139</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,488,139</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Corporate bonds</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">3,266,923</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">3,266,923</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>U.S. treasury securities</td> <td> </td> <td> </td> <td style="text-align: right">192,632</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">192,632</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Mortgage servicing rights</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">240,747</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">240,747</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Impaired loans with reserve</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">320,959</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">320,959</td> <td> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="15" style="border-bottom: black 1.5pt solid; text-align: center">December 31, 2017</td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Level I</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Level II</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Level III</td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="3" style="border-bottom: black 1.5pt solid; text-align: center">Total</td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td> <td> </td> <td colspan="3"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Fair value measurements on a recurring basis:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 52%">Mortgage-backed securities in government-sponsored entities</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">519,258</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">519,258</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Obligations of state and political subdivisions</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,599,878</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">1,599,878</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Corporate bonds</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">301,898</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">301,898</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>U.S. treasury securities</td> <td> </td> <td> </td> <td style="text-align: right">195,316</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">195,316</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td>Mortgage servicing rights</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">231,977</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">231,977</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Impaired loans with reserve</td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">112,139</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">112,139</td> <td> </td></tr> </table>

The following table provides the significant unobservable inputs used in the fair value measurement process for items valued using Level III techniques:   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center">Fair Value at</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center">Range</td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">September 30, 2018</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Valuation Techniques</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Valuation Unobservable Inputs</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">(Weighted Average)</td> <td style="text-align: center"> </td></tr> <tr> <td style="vertical-align: top"> </td> <td style="text-align: center"> </td> <td colspan="2" style="vertical-align: bottom; text-align: center">(unaudited)</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td></tr> <tr style="background-color: #CCEEFF"> <td style="vertical-align: top; width: 22%">Other real estate owned</td> <td style="width: 1%"> </td> <td style="vertical-align: bottom; width: 1%; text-align: right">$</td> <td style="vertical-align: bottom; width: 14%; text-align: right">59,932</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 16%">Appraised collateral values</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 27%">Discount for time since appraisal</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="vertical-align: bottom; width: 1%; text-align: right"> </td> <td style="vertical-align: bottom; width: 9%; text-align: right">10</td> <td style="vertical-align: bottom; width: 1%">%</td></tr> <tr style="background-color: white"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">(10</td> <td style="vertical-align: bottom; text-align: right">)%</td></tr> <tr style="background-color: #CCEEFF"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td>Selling costs</td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">10</td> <td style="vertical-align: bottom">%</td></tr> <tr style="background-color: white"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">(10</td> <td style="vertical-align: bottom; text-align: right">)%</td></tr> <tr style="background-color: #CCEEFF"> <td style="vertical-align: top">Impaired loans with reserve</td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">320,959</td> <td> </td> <td> </td> <td> </td> <td style="vertical-align: bottom">Discounted cash flows</td> <td> </td> <td> </td> <td> </td> <td style="vertical-align: bottom">Discount for evaluation</td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">10</td> <td style="vertical-align: bottom">%</td></tr> <tr style="background-color: white"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">(10</td> <td style="vertical-align: bottom; text-align: right">)%</td></tr> <tr style="background-color: #CCEEFF"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="vertical-align: bottom">Selling costs</td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">10</td> <td style="vertical-align: bottom">%</td></tr> <tr style="background-color: white"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">(10</td> <td style="vertical-align: bottom; text-align: right">)%</td></tr> <tr style="background-color: #CCEEFF"> <td style="vertical-align: top">Mortgage servicing rights</td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">240,747</td> <td> </td> <td> </td> <td> </td> <td style="vertical-align: bottom">Discounted cash flows</td> <td> </td> <td> </td> <td> </td> <td style="vertical-align: bottom">Loan prepayment speeds</td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">10.44</td> <td style="vertical-align: bottom">%</td></tr> <tr style="background-color: white"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">(10.44</td> <td style="vertical-align: bottom; text-align: right">)%</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center">Fair Value at</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center">Range</td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">December 31, 2017</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Valuation Techniques</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Valuation Unobservable Inputs</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">(Weighted Average)</td> <td style="text-align: center"> </td></tr> <tr> <td style="vertical-align: top"> </td> <td style="text-align: center"> </td> <td colspan="2" style="vertical-align: bottom; text-align: right"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="vertical-align: bottom"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="vertical-align: bottom"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td></tr> <tr style="background-color: #CCEEFF"> <td style="vertical-align: top; width: 22%">Other real estate owned</td> <td style="width: 1%"> </td> <td style="vertical-align: bottom; width: 1%; text-align: right">$</td> <td style="vertical-align: bottom; width: 14%; text-align: right">59,932</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="vertical-align: bottom; width: 1%"> </td> <td style="vertical-align: bottom; width: 16%">Appraised collateral values</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="vertical-align: bottom; width: 1%"> </td> <td style="vertical-align: bottom; width: 27%">Discount for time since appraisal</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="vertical-align: bottom; width: 1%; text-align: right"> </td> <td style="vertical-align: bottom; width: 9%; text-align: right">10</td> <td style="vertical-align: bottom; width: 1%">%</td></tr> <tr style="background-color: white"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">(10</td> <td style="vertical-align: bottom; text-align: right">)%</td></tr> <tr style="background-color: #CCEEFF"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom">Selling costs</td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">10</td> <td style="vertical-align: bottom; text-align: right">%</td></tr> <tr style="background-color: white"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">(10</td> <td style="vertical-align: bottom; text-align: right">)%</td></tr> <tr style="background-color: #CCEEFF"> <td style="vertical-align: top">Impaired loans with reserve</td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">112,139</td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom">Discounted cash flows</td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom">Discount for evaluation</td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">10</td> <td style="vertical-align: bottom">%</td></tr> <tr style="background-color: white"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">(10</td> <td style="vertical-align: bottom; text-align: right">)%</td></tr> <tr style="background-color: #CCEEFF"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom">Selling costs</td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">10</td> <td style="vertical-align: bottom; text-align: right">%</td></tr> <tr style="background-color: white"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">(10</td> <td style="vertical-align: bottom; text-align: right">)%</td></tr> <tr style="background-color: #CCEEFF"> <td style="vertical-align: top">Mortgage servicing rights</td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">231,977</td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom">Discounted cash flows</td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom">Loan prepayment speeds</td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">8.67</td> <td style="vertical-align: bottom">%</td></tr> <tr style="background-color: white"> <td style="vertical-align: top"> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom"> </td> <td style="vertical-align: bottom"> </td> <td> </td> <td> </td> <td style="vertical-align: bottom; text-align: right"> </td> <td style="vertical-align: bottom; text-align: right">(8.67</td> <td style="vertical-align: bottom; text-align: right">)%</td></tr> </table>

The estimated fair values of the Company’s financial instruments are as follows:   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="18" style="border-bottom: black 1.5pt solid; text-align: center">September 30, 2018 (unaudited)</td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center">Carrying</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center">Fair</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2"> </td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Value</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Value</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Level I</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Level II</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Level III</td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Financial assets:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="width: 40%; padding-left: 10pt">Cash and cash equivalents</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">5,875,416</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">5,875,416</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">5,875,416</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">-</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Certificates of deposit</td> <td> </td> <td> </td> <td style="text-align: right">846,000</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">835,649</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">835,649</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Investment securities:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 20pt">Available for sale</td> <td> </td> <td> </td> <td style="text-align: right">8,922,885</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,922,885</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">192,632</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">8,730,253</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 20pt">Held to maturity</td> <td> </td> <td> </td> <td style="text-align: right">7,109</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">7,196</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">7,196</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">Loans, net</td> <td> </td> <td> </td> <td style="text-align: right">156,613,838</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">156,639,838</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">156,639,838</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Accrued interest receivable</td> <td> </td> <td> </td> <td style="text-align: right">557,291</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">557,291</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">557,291</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">FHLB Stock</td> <td> </td> <td> </td> <td style="text-align: right">2,614,900</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">2,614,900</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">2,614,900</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Financial liabilities:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Deposits</td> <td> </td> <td> </td> <td style="text-align: right">131,366,372</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">129,695,372</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">43,455,419</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">86,239,953</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-left: 10pt">FHLB advances</td> <td> </td> <td> </td> <td style="text-align: right">31,374,500</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">30,933,500</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">30,933,500</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Accrued interest payable</td> <td> </td> <td> </td> <td style="text-align: right">245,098</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">245,098</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">245,098</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="19" style="border-bottom: black 1.5pt solid; text-align: center">December 31, 2017</td></tr> <tr> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center">Carrying</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center">Fair</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2"> </td> <td style="text-align: center"> </td></tr> <tr> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Value</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Value</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Level I</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Level II</td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">Level III</td> <td style="text-align: center"> </td></tr> <tr> <td> </td> <td> </td> <td colspan="2" style="text-align: right"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: right"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: right"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: right"> </td> <td> </td> <td> </td> <td colspan="2" style="text-align: right"> </td> <td> </td></tr> <tr style="background-color: #CEEFFF"> <td>Financial assets:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="background-color: white"> <td style="width: 40%; padding-left: 10pt">Cash and cash equivalents</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">16,478,066</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">16,478,066</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">16,478,066</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">-</td> <td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 9%; text-align: right">-</td> <td style="width: 1%"> </td></tr> <tr style="background-color: #CEEFFF"> <td style="padding-left: 10pt">Certificates of deposit</td> <td> </td> <td> </td> <td style="text-align: right">943,000</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">946,497</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">946,497</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="background-color: white"> <td style="padding-left: 10pt">Investment securities:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="background-color: #CEEFFF"> <td style="padding-left: 20pt">Available for sale</td> <td> </td> <td> </td> <td style="text-align: right">2,616,350</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">2,616,350</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">195,316</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">2,421,034</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="background-color: white"> <td style="padding-left: 20pt">Held to maturity</td> <td> </td> <td> </td> <td style="text-align: right">9,797</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">9,494</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">9,494</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="background-color: #CEEFFF"> <td style="padding-left: 10pt">Loans, net</td> <td> </td> <td> </td> <td style="text-align: right">140,574,537</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">139,784,862</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">139,784,862</td> <td> </td></tr> <tr style="background-color: white"> <td style="padding-left: 10pt">Accrued interest receivable</td> <td> </td> <td> </td> <td style="text-align: right">476,417</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">476,417</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">476,417</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="background-color: #CEEFFF"> <td style="padding-left: 10pt">FHLB Stock</td> <td> </td> <td> </td> <td style="text-align: right">2,162,600</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">2,162,600</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">2,162,600</td> <td> </td></tr> <tr style="background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="background-color: #CEEFFF"> <td>Financial liabilities:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="background-color: white"> <td style="padding-left: 10pt">Deposits</td> <td> </td> <td> </td> <td style="text-align: right">132,430,024</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">132,189,024</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">50,730,909</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">81,458,115</td> <td> </td></tr> <tr style="background-color: #CEEFFF"> <td style="padding-left: 10pt">FHLB advances</td> <td> </td> <td> </td> <td style="text-align: right">26,416,200</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">25,602,500</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">25,602,500</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> <tr style="background-color: white"> <td style="padding-left: 10pt">Accrued interest payable</td> <td> </td> <td> </td> <td style="text-align: right">206,597</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">206,597</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">206,597</td> <td> </td> <td> </td> <td> </td> <td style="text-align: right">-</td> <td> </td></tr> </table>

The following table presents the changes in accumulated other comprehensive income (loss) by component, net of tax:   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="6" style="text-align: center">Net Unrealized Gain (Loss)</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">on Securities</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">Three months ended September 30,</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">2018</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">2017</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="6" style="text-align: center">(unaudited)</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 62%">Accumulated other comprehensive income (loss), beginning of period</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 16%; text-align: right">(46,722</td> <td style="width: 1%">)</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 16%; text-align: right">(12,607</td> <td style="width: 1%">)</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Other comprehensive income (loss) on securities before reclassification, net of tax</td> <td> </td> <td> </td> <td style="text-align: right">(56,031</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">652</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Amounts reclassified from accumulated other comprehensive income (loss), net of tax</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Net other comprehensive income (loss)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">(56,031</td> <td style="padding-bottom: 1.5pt">)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">652</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Accumulated other comprehensive income  (loss), end of period</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">(102,753</td> <td style="padding-bottom: 2.5pt">)</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">(11,955</td> <td style="padding-bottom: 2.5pt">)</td></tr> </table>   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="6" style="text-align: center">Net Unrealized Gain (Loss)</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">on Securities</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="6" style="border-bottom: black 1.5pt solid; text-align: center">Nine months ended September 30,</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">2018</td> <td> </td> <td> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">2017</td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td colspan="6" style="text-align: center">(unaudited)</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="width: 62%">Accumulated other comprehensive income (loss), beginning of period</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 16%; text-align: right">(23,487</td> <td style="width: 1%">)</td> <td style="width: 1%"> </td> <td style="width: 1%">$</td> <td style="width: 16%; text-align: right">(47,388</td> <td style="width: 1%">)</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Other comprehensive income (loss) on securities before reclassification, net of tax</td> <td> </td> <td> </td> <td style="text-align: right">(79,267</td> <td>)</td> <td> </td> <td> </td> <td style="text-align: right">35,664</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td>Amounts reclassified from accumulated other comprehensive income (loss), net of tax</td> <td> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td> </td> <td> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">(231</td> <td>)</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 1.5pt">Net other comprehensive income (loss)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">(79,267</td> <td style="padding-bottom: 1.5pt">)</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">35,433</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CCEEFF"> <td style="padding-bottom: 2.5pt">Accumulated other comprehensive income  (loss), end of period</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">(102,754</td> <td style="padding-bottom: 2.5pt">)</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">(11,955</td> <td style="padding-bottom: 2.5pt">)</td></tr> </table>

Earnings per common share for the nine months ended September 30, 2018 is not presented as the Company’s initial public offering was completed on January 24, 2018; therefore, per share results would not be meaningful.   <table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center">Three months ended </td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="border-bottom: black 1.5pt solid; text-align: center">September 30, 2018</td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center">(unaudited)</td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" style="text-align: center"> </td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom; background-color: #CEEFFF"> <td style="width: 77%; padding-bottom: 2.5pt">Net Income</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: black 2.25pt double">$</td> <td style="width: 20%; border-bottom: black 2.25pt double; text-align: right">94,834</td> <td style="width: 1%; padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CEEFFF"> <td>Shares outstanding for basic EPS:</td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-left: 10pt">Average shares outstanding</td> <td> </td> <td> </td> <td style="text-align: right">2,248,250</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CEEFFF"> <td style="padding-bottom: 1.5pt; padding-left: 10pt">Less: Average unearned ESOP shares</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">85,377</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right">2,162,873</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CEEFFF"> <td style="padding-bottom: 1.5pt">Additional dilutive shares</td> <td style="padding-bottom: 1.5pt"> </td> <td style="border-bottom: black 1.5pt solid"> </td> <td style="border-bottom: black 1.5pt solid; text-align: right">-</td> <td style="padding-bottom: 1.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CEEFFF"> <td style="padding-bottom: 2.5pt; padding-left: 10pt">Shares outstanding for basic and diluted EPS</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double"> </td> <td style="border-bottom: black 2.25pt double; text-align: right">2,162,873</td> <td style="padding-bottom: 2.5pt"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td> </td> <td> </td> <td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: #CEEFFF"> <td style="padding-bottom: 2.5pt">Basic and diluted income per share</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: black 2.25pt double">$</td> <td style="border-bottom: black 2.25pt double; text-align: right">0.04</td> <td style="padding-bottom: 2.5pt"> </td></tr> </table>

0.02 0.02

146053

207967

0.10 0.10 0.10 0.10 -0.10 -0.10 0.10 -0.10 0.10 -0.10 0.1044 -0.1044 0.10 0.10 -0.10 0.10 -0.10 0.10 0.10 -0.10 0.10 -0.10 0.0867 -0.0867 <table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 24px; font: 12pt Times New Roman, Times, Serif">8.</td> <td style="font: 12pt Times New Roman, Times, Serif; text-align: justify">EMPLOYEE STOCK OWNERSHIP PLAN</td></tr> </table>   The Bank established a tax qualified Employee Stock Ownership Plan (“ESOP”) for the benefit of its employees in conjunction with the Reorganization effective on January 24, 2018. Eligible employees become 20% vested in their accounts after two years of service, 40% after three years of service, 60% after four years of service, 80% after five years of service and 100% after six years of service, or earlier, upon death, disability or attainment of normal retirement age.   The ESOP purchased 88,131 shares of Company common stock, which was funded by a loan from the Company. Unreleased ESOP shares collateralize the loan payable, and the cost of the shares is recorded as a contra-equity account in the stockholders’ equity of the Company. Shares are to be released as debt payments are made by the ESOP to the loan. The ESOP’s sources of repayment of the loan can include dividends, if any, on the unallocated stock held by the ESOP and discretionary contributions from the Company to the ESOP and earnings thereon.   Compensation expense is equal to the fair value of the shares committed to be released and unallocated ESOP shares are excluded from outstanding shares for purposes of computing earnings per share. During the three months ended September 30, 2018, the Company recognized $10,322 in compensation expense and during the nine months ended September 30, 2018, the Company recognized $30,945 in compensation expense. The purpose of this amendment on Form 10-Q/A to the Quarterly Report on Form 10-Q of SSB Bancorp, Inc. (the "Company") for the period ended September 30, 2018 is to restate the Company's consolidated financial statements for the three- and nine-month periods ended September 30, 2018, and as of September 30, 2018, and related disclosures. Additional information about the decision to restate these financial statements can be found in our Current Report on Form 8-K, filed with the SEC on August 13, 2019. This Form 10-Q/A does not modify or update other disclosures presented in the original report on Form 10-Q, except as required to reflect the effects of the restatement. The Form 10-Q/A does not reflect events occurring after the filing of the Form 10-Q or modify or update those disclosures, including the exhibits to the Form 10-Q affected by subsequent events. Information not affected by the restatement is unchanged and reflects the disclosures made at the time of the original filing of the Form 10-Q on November 13, 2018. Accordingly, this Form 10-Q/A should be read in conjunction with the Company's filings made with the Securities and Exchange Commission subsequent to the filing of the original Form 10-Q, including any amendments to those filings. The following items have been amended as a result of the restatement: Part I - Item 1 - Financial Statements Part I - Item 2 - Management's Discussion and Analysis of Financial Condition and Results of Operations Description of Restatement During the 4th quarter of 2018, the Company identified and corrected an error related to its accounting treatment of accrued interest on investor sold loans and loan participations affecting the 2nd and 3rd quarters of 2018. Prior period accrued interest receivable accounts were overstated for the three- and six-month periods ended June 30, 2018, and at June 30, 2018, as well as the three- and nine- months ended September 30, 2018, and at September 30, 2018. The Company was able to identify the sources of the issues and it resulted in the Company correcting interest income and the provision for income taxes for the 2nd and 3rd quarters of 2018. On the corresponding balance sheet, the Company's accrued interest receivable was overstated and income taxes receivable was understated. The net effect was an overstatement of total assets and total liabilities and stockholders' equity at June 30, 2018 and September 30, 2018. As a result of the above items, the cumulative effect of the restatement through the third quarter of 2018 was a decrease in accrued interest receivable of $335,000, an increase in tax receivable of $83,000, and a decrease in retained earnings of $252,000. Consequently, for the three-month period ended September 30, 2018, the restatement shows a decrease in interest income on loans of $134,000, a decrease in the provision for income taxes of $40,000, and a decrease in net income of $95,000. For the nine-month period ending September 30, 2018, the restatement shows a decrease in interest income on loans of $335,000, a decrease in the provision for income taxes of $83,000, and a decrease in net income of $252,000. 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Financial Position [Abstract] ASSETS Cash and due from banks Interest-bearing deposits with other financial institutions Cash and cash equivalents Certificates of deposit Securities available for sale Securities held to maturity (fair value of $8,095, and $9,494, respectively) Loans Allowance for loan losses Net loans Accrued interest receivable Federal Home Loan Bank stock, at cost Premises and equipment, net Bank-owned life insurance Deferred tax asset, net Prepaid reorganization and stock issuance costs Other assets TOTAL ASSETS LIABILITIES Deposits: Noninterest-bearing demand Interest-bearing demand Money market Savings Time Total deposits Federal Home Loan Bank advances Advances by borrowers for taxes and insurance Accrued interest payable Other liabilities TOTAL LIABILITIES STOCKHOLDERS' EQUITY Preferred Stock: $0.01 par value per share: 5,000,000 shares authorized and no shares issued or outstanding Common Stock: 20,000,000 shares authorized and 2,248,250 shares issued and 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sale Gain on sale of loans Loan servicing fees Earnings on bank-owned life insurance Other Total noninterest income NONINTEREST EXPENSE Salaries and employee benefits Occupancy Professional fees Federal deposit insurance Data processing Director fees Contributions and donations Other Total noninterest expense Income before income taxes Provision for income taxes NET INCOME EARNINGS PER COMMON SHARE EX-101.PRE 11 ssbp-20180930_pre.xml XBRL PRESENTATION FILE XML 12 R7.htm IDEA: XBRL DOCUMENT

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (Parenthetical)	9 Months Ended
	Sep. 30, 2018 shares
Statement of Stockholders' Equity [Abstract]
Number of common stock share issued	2,248,250
Number of ESOP share issued	88,131

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Consolidated Balance Sheets (Parenthetical) - USD ($)	Sep. 30, 2018	Dec. 31, 2017
Statement of Financial Position [Abstract]
Fair value of held-to-maturity securities	$ 8,095	$ 9,494
Preferred Stock, par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	5,000,000	5,000,000
Preferred stock, shares issued
Preferred stock, shares outstanding
Common stock, shares authorized	20,000,000	20,000,000
Common stock, shares issued	2,248,250	2,248,250
Common stock, shares outstanding	2,248,250	2,248,250
Common stock, par value	$ 0.01	$ 0.01

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Loans (Tables)

9 Months Ended

Sep. 30, 2018

Receivables [Abstract]

Schedule of Loan Portfolio by Category

The Bank’s loan portfolio summarized by category is as follows:

	September 30,			December 31,
	2018			2017
	(unaudited)
Mortgage loans:
One-to-four family	$	75,617,401		$	75,858,226
Commercial		58,702,797			50,122,058
		134,320,198			125,980,284

Commercial and industrial		18,118,214			11,455,554
Consumer		5,177,999			4,014,258
		157,616,411			141,450,096

Third-party loan acquisition and other net origination costs		304,708			385,883
Discount on loans previously held for sale		(205,681	)		(219,997	)
Allowance for loan losses		(1,101,600	)		(1,041,445	)

Total	$	156,613,838		$	140,574,537

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Earnings Per Share

9 Months Ended

Sep. 30, 2018

EARNINGS PER COMMON SHARE

Earnings Per Share

14. EARNINGS PER SHARE

Earnings per common share for the three months ended September 30, 2018 are represented in the following table.

	Three months ended
	September 30, 2018
	(unaudited)

Net Income	$	94,834

Shares outstanding for basic EPS:
Average shares outstanding		2,248,250
Less: Average unearned ESOP shares		85,377
		2,162,873
Additional dilutive shares		-

Shares outstanding for basic and diluted EPS		2,162,873

Basic and diluted income per share	$	0.04

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Loans (Details Narrative) - USD ($)	Sep. 30, 2018	Dec. 31, 2017
Receivables [Abstract]
Bank transfer of loans	$ 7,606,923	$ 8,129,670

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Allowance for Loan Losses - Schedule of Primary Segments of the Loan Portfolio (Details) - USD ($)	Sep. 30, 2018	Jun. 30, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Dec. 31, 2016
Financing Receivable, Impaired [Line Items]
Allowance for loan losses	$ 1,101,600	$ 1,090,016	$ 1,041,445	$ 1,001,782	$ 940,732	$ 820,739
Loans	157,616,411		141,450,096
Loans Deemed Impaired [Member]
Financing Receivable, Impaired [Line Items]
Allowance for loan losses	33,422		23,870
Loans	4,438,806		3,668,894
Loans Not Deemed Impaired [Member]
Financing Receivable, Impaired [Line Items]
Allowance for loan losses	1,068,178		1,017,575
Loans	153,177,605		137,781,202
Mortgage One-to-Four Family [Member]
Financing Receivable, Impaired [Line Items]
Allowance for loan losses	438,244	471,438	513,846	490,504	488,009	498,410
Loans	75,617,401		75,858,226
Mortgage One-to-Four Family [Member] \| Loans Deemed Impaired [Member]
Financing Receivable, Impaired [Line Items]
Allowance for loan losses	33,422		23,870
Loans	2,492,049		2,508,658
Mortgage One-to-Four Family [Member] \| Loans Not Deemed Impaired [Member]
Financing Receivable, Impaired [Line Items]
Allowance for loan losses	404,822		489,976
Loans	73,125,352		73,349,568
Mortgage Commercial [Member]
Financing Receivable, Impaired [Line Items]
Allowance for loan losses	390,679	437,619	383,535	337,293	324,941	228,763
Loans	58,702,797		50,122,058
Mortgage Commercial [Member] \| Loans Deemed Impaired [Member]
Financing Receivable, Impaired [Line Items]
Allowance for loan losses
Loans	1,779,350		1,122,740
Mortgage Commercial [Member] \| Loans Not Deemed Impaired [Member]
Financing Receivable, Impaired [Line Items]
Allowance for loan losses	390,679		383,535
Loans	56,923,447		48,999,318
Commercial and Industrial [Member]
Financing Receivable, Impaired [Line Items]
Allowance for loan losses	230,597	134,880	80,854	85,652	70,466	59,439
Loans	18,118,214		11,455,554
Commercial and Industrial [Member] \| Loans Deemed Impaired [Member]
Financing Receivable, Impaired [Line Items]
Allowance for loan losses
Loans	155,660		8,251
Commercial and Industrial [Member] \| Loans Not Deemed Impaired [Member]
Financing Receivable, Impaired [Line Items]
Allowance for loan losses	230,597		80,854
Loans	17,962,554		11,447,303
Consumer and HELOC [Member]
Financing Receivable, Impaired [Line Items]
Allowance for loan losses	42,080	$ 46,079	63,210	$ 88,333	$ 57,316	$ 34,127
Loans	5,177,999		4,014,258
Consumer and HELOC [Member] \| Loans Deemed Impaired [Member]
Financing Receivable, Impaired [Line Items]
Allowance for loan losses
Loans	11,747		29,245
Consumer and HELOC [Member] \| Loans Not Deemed Impaired [Member]
Financing Receivable, Impaired [Line Items]
Allowance for loan losses	42,080		63,210
Loans	$ 5,166,252		$ 3,985,013

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Fair Value Measurements - Schedule of Significant Unobservable Inputs Used in the Fair Value Measurement Process (Details) - Fair Value, Inputs, Level 3 [Member] - USD ($)	Sep. 30, 2018	Dec. 31, 2017
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Other real estate owned, Fair Value	$ 59,932	$ 59,932
Impaired loans with reserve, Fair Value	320,959	112,139
Mortgage servicing rights, Fair Value	$ 240,747	$ 231,977
Weighted Average One [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair value measurement Weighted Average rate	(10.00%)	(10.00%)
Weighted Average Three [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair value measurement Weighted Average rate	(10.00%)	(10.00%)
Weighted Average Five [Member]
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Fair value measurement Weighted Average rate	(10.00%)	(10.00%)
Weighted Average Seven [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair value measurement Weighted Average rate	(10.00%)	(10.00%)
Valuation Unobservable Inputs Selling Costs [Member] \| Weighted Average Two [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair value measurement Weighted Average rate	10.00%	10.00%
Valuation Unobservable Inputs Selling Costs [Member] \| Weighted Average Six [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair value measurement Weighted Average rate	10.00%	10.00%
Valuation Technique Discounted Cash Flows [Member] \| Weighted Average Four [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair value measurement Weighted Average rate	10.00%	10.00%
Valuation Technique Discounted Cash Flows [Member] \| Weighted Average Eight [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair value measurement Weighted Average rate	10.44%	8.67%
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Fair value measurement Weighted Average rate	10.00%	10.00%
Valuation Unobservable Inputs Loan Prepayment Speeds [Member] \| Weighted Average Eight [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair value measurement Weighted Average rate	(10.44%)	(8.67%)
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Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair value measurement Weighted Average rate	10.00%	10.00%
Weighted Average [Member] \| Valuation Unobservable Inputs Discount For Time Since Appraisal [Member]
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Fair value measurement Weighted Average rate	10.00%	10.00%

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Regulatory Capital Requirements - Schedule of Bank's Actual Capital Amounts and Ratios (Details) - USD ($)

Sep. 30, 2018

Dec. 31, 2017

Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]

Common equity Tier 1 capital (to risk-weighted assets), Actual Amount $ 20,201,636 $ 12,135,085

Common equity Tier 1 capital (to risk-weighted assets), Actual Ratio 14.16% 9.47%

Common equity Tier 1 capital (to risk-weighted assets), For capital adequacy purposes Amount $ 6,419,565 $ 5,718,465

Common equity Tier 1 capital (to risk-weighted assets), For capital adequacy purposes Ratio 4.50% 4.50%

Common equity Tier 1 capital (to risk-weighted assets), To be well capitalized Amount $ 9,272,705 $ 8,325,005

Common equity Tier 1 capital (to risk-weighted assets), To be well capitalized Ratio 6.50% 6.50%

Tier 1 capital (to risk-weighted assets), Actual Amount $ 20,201,636 $ 12,135,085

Tier 1 capital (to risk-weighted assets), Actual Ratio 14.16% 9.47%

Tier 1 capital (to risk-weighted assets), For capital adequacy purposes Amount $ 8,559,420 $ 7,684,620

Tier 1 capital (to risk-weighted assets), For capital adequacy purposes Ratio 6.00% 6.00%

Tier 1 capital (to risk-weighted assets), To be well capitalized Amount $ 11,412,560 $ 10,246,160

Tier 1 capital (to risk-weighted assets), To be well capitalized Ratio 8.00% 8.00%

Total capital (to risk-weighted assets), Actual Amount $ 21,303,236 $ 13,176,530

Total capital (to risk-weighted assets), Actual Ratio 14.93% 10.29%

Total capital (to risk-weighted assets), For capital adequacy purposes Amount $ 11,412,560 $ 10,246,160

Total capital (to risk-weighted assets), For capital adequacy purposes Ratio 8.00% 8.00%

Total capital (to risk-weighted assets), To be well capitalized Amount $ 14,265,700 $ 12,807,700

Total capital (to risk-weighted assets), To be well capitalized Ratio 10.00% 10.00%

Tier 1 capital (to average assets), Actual Amount $ 20,201,636 $ 12,135,085

Tier 1 capital (to average assets), Actual Ratio 11.71% 7.85%

Tier 1 capital (to average assets), For capital adequacy purposes Amount $ 6,903,532 $ 6,186,160

Tier 1 capital (to average assets), For capital adequacy purposes Ratio 4.00% 4.00%

Tier 1 capital (to average assets), To be well capitalized Amount $ 8,629,416 $ 7,732,700

Tier 1 capital (to average assets), To be well capitalized Ratio 5.00% 5.00%

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Allowance for Loan Losses - Schedule of Risk Category of Loans (Details) - USD ($)

Sep. 30, 2018

Dec. 31, 2017

Financing Receivable, Credit Quality Indicator [Line Items]

Total Loans Receivable $ 157,616,411 $ 141,450,096

Mortgage Commercial [Member]

Financing Receivable, Credit Quality Indicator [Line Items]

Total Loans Receivable 58,702,797 50,122,058

Mortgage Commercial [Member] | Pass [Member]

Financing Receivable, Credit Quality Indicator [Line Items]

Total Loans Receivable 56,971,390 48,764,928

Mortgage Commercial [Member] | Special Mention [Member]

Financing Receivable, Credit Quality Indicator [Line Items]

Total Loans Receivable 234,390

Mortgage Commercial [Member] | Substandard [Member]

Financing Receivable, Credit Quality Indicator [Line Items]

Total Loans Receivable 1,731,407 1,122,740

Commercial and Industrial [Member]

Financing Receivable, Credit Quality Indicator [Line Items]

Total Loans Receivable 18,118,214 11,455,554

Commercial and Industrial [Member] | Pass [Member]

Financing Receivable, Credit Quality Indicator [Line Items]

Total Loans Receivable 13,980,085 11,434,756

Commercial and Industrial [Member] | Special Mention [Member]

Financing Receivable, Credit Quality Indicator [Line Items]

Total Loans Receivable 3,982,469 20,798

Commercial and Industrial [Member] | Substandard [Member]

Financing Receivable, Credit Quality Indicator [Line Items]

Total Loans Receivable $ 155,660

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Loans
9 Months Ended

Sep. 30, 2018

Receivables [Abstract]

Loans

6. LOANS

The Bank’s loan portfolio summarized by category is as follows:

September 30, December 31,

2018 2017

(unaudited)

Mortgage loans:

One-to-four family $ 75,617,401 $ 75,858,226

Commercial 58,702,797 50,122,058

134,320,198 125,980,284

Commercial and industrial 18,118,214 11,455,554

Consumer 5,177,999 4,014,258

157,616,411 141,450,096

Third-party loan acquisition and other net origination costs 304,708 385,883

Discount on loans previously held for sale (205,681 ) (219,997 )

Allowance for loan losses (1,101,600 ) (1,041,445 )

Total $ 156,613,838 $ 140,574,537

The Bank’s primary business activity is with customers located in Pittsburgh and surrounding communities. The Bank’s loan portfolio consists predominantly of one-to-four family mortgage and commercial mortgage loans. These loans are typically secured by first-lien positions on the respective real estate properties and are subject to the Bank’s underwriting policies.

During the normal course of business, the Bank may sell a portion of a loan as a participation loan in order to manage portfolio risk. In order to be eligible for sales treatment, all cash flows from the loan must be divided proportionately, the rights of each loan holder must have the same priority, the loan holders must have no recourse to the transferor other than standard representations and warranties, and no loan holder can have the right to pledge or exchange the entire loan. The Bank had transferred $7,606,923 and $8,129,670 in participation loans as of September 30, 2018 and December 31, 2017, respectively, to other financial institutions. As of September 30, 2018, and December 31, 2017, all these loans were being serviced by the Bank.

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Recent Accounting Standards
9 Months Ended

Sep. 30, 2018

Accounting Changes and Error Corrections [Abstract]

Recent Accounting Standards

2. RECENT ACCOUNTING STANDARDS

On April 5, 2012, the Jumpstart Our Business Startups Act (the “JOBS Act”) was signed into law. The JOBS Act contains provisions that, among other things, reduce certain reporting requirements for qualifying public companies and define an “emerging growth company.” As an emerging growth company, the Company may delay adoption of new or revised financial accounting standards until such date that the standards are required to be adopted by non-issuer companies. If such standards would not apply to non-issuer companies, no deferral would be applicable. The Company has elected to take advantage of the benefits of extended transition periods. Accordingly, the Company’s consolidated financial statements may not be comparable to those of public companies that adopt new or revised financial accounting standards as of an earlier date. The effective dates of the following recent accounting standards reflect those that relate to non-issuer companies.

In May 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2014-09, Revenue from Contracts with Customers (Topic 606). The amendments in this Update create Topic 606, Revenue from Contracts with Customers, and supersede the revenue recognition requirements in Topic 605, Revenue Recognition, including most industry-specific revenue recognition guidance throughout the Industry Topics of the Codification. The core principle of Topic 606 is that an entity recognizes 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 or services. To achieve the core principle, a company should apply a five-step approach to revenue recognition. The amendments in this Update are effective for annual reporting periods beginning after December 15, 2018, and interim periods within annual periods beginning after December 15, 2019. Early application is permitted, but only for annual reporting periods beginning after December 15, 2016. The Update is not expected to have a significant impact on the Company’s consolidated financial statements.

In January 2016, the FASB issued ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities. This Update applies to all entities that hold financial assets or owe financial liabilities and is intended to provide more useful information on the recognition, measurement, presentation, and disclosure of financial instruments. Among other things, this Update (a) requires equity investments (except those accounted for under the equity method of accounting or those that result in consolidation of the investee) to be measured at fair value with changes in fair value recognized in net income; (b) simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment; (c) eliminates the requirement to disclose the fair value of financial instruments measured at amortized cost for entities that are not public business entities; (d) eliminates 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 at amortized cost on the balance sheet; (e) requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; (f) requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (that is, securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements; and (g) clarifies that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale securities in combination with the entity’s other deferred tax assets. The amendments in this Update are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Entities may adopt the amendments in this Update earlier as of the fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. The Update is not expected to have a significant impact on the Company’s consolidated financial statements.

In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842). The standard requires lessees to recognize the assets and liabilities that arise from leases on the balance sheet. A lessee should recognize in the statement of financial position a liability to make lease payments (the lease liability) and a right-of-use asset representing its right to use the underlying asset for the lease term. A short-term lease is defined as one in which (a) the lease term is 12 months or less and (b) there is not an option to purchase the underlying asset that the lessee is reasonably certain to exercise. For short-term leases, lessees may elect to recognize lease payments over the lease term on a straight-line basis. The amendments in this Update are effective for fiscal years beginning after December 15, 2019, and for interim periods within fiscal years beginning after December 15, 2020. The amendments should be applied at the beginning of the earliest period presented using a modified retrospective approach with earlier application permitted as of the beginning of an interim or annual reporting period. The Update is not expected to have a significant impact on the Company’s consolidated financial statements.

In September 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments, which changes the impairment model for most financial assets. This Update is intended to improve financial reporting by requiring timelier recording of credit losses on loans and other financial instruments held by financial institutions and other organizations. The underlying premise of the Update is that financial assets measured at amortized cost should 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 allowance for credit losses should reflect management’s current estimate of credit losses that are expected to occur over the remaining life of a financial asset. The income statement will be effected for the measurement of credit losses for newly recognized financial assets, as well as the expected increases or decreases of expected credit losses that have taken place during the period. For public business entities that do not meet the definition of an SEC filer, ASU 2016-13 is effective for fiscal years beginning after December 15, 2021, including interim periods within those fiscal years. With certain exceptions, transition to the new requirements will be through a cumulative effect adjustment to opening retained earnings as of the beginning of the first reporting period in which the guidance is adopted. The Company expects to recognize a one-time cumulative effect adjustment to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, but cannot yet determine the magnitude of any such one-time adjustment or the overall impact of the new guidance on the financial statements, as any adjustment will be dependent on the composition of the loan portfolio at the time of adoption. The Company is currently in the early stages of implementing processes to comply with the requirements of the Update.

In January 2017, the FASB issued ASU 2017-03, Accounting Changes and Error Corrections (Topic 250) and Investments—Equity Method and Joint Ventures (Topic 323), Amendments to SEC Paragraphs Pursuant to Staff Announcements at the September 22, 2016 and November 17, 2016 EITF Meetings. This Update adds an SEC paragraph to the Codification following an SEC Staff Announcement about applying Staff Accounting Bulletin Topic 11.M. Specifically, this announcement applies to ASU 2014-09, Revenue from Contracts with Customers (Topic 606); ASU 2016-02, Leases (Topic 842); and ASU 2016-13, Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. A registrant should evaluate Updates that have not yet been adopted to determine the appropriate financial statement disclosures about the potential material effects of those Updates on the financial statements when adopted. If a registrant does not know or cannot reasonably estimate the impact that adoption of the Updates referenced in this announcement are expected to have on the financial statements, then in addition to making a statement to that effect, that registrant should consider additional qualitative financial statement disclosures to assist the reader in assessing the significance of the impact that the standard will have on the financial statements of the registrant when adopted. In this regard, the SEC staff expects the additional qualitative disclosures to include a description of the effect of the accounting policies that the registrant expects to apply, if determined, and a comparison to the registrant’s current accounting policies. Also, a registrant should describe the status of its process to implement the new standards and the significant implementation matters yet to be addressed. The amendments in this Update are effective immediately.

In March 2017, the FASB issued ASU 2017-08, Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20). The amendments in this Update shorten the amortization period for certain callable debt securities held at a premium. Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity. The amendments are effective for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period. An entity should apply the amendments in this Update on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption. Additionally, in the period of adoption, an entity should provide disclosures about a change in accounting principle. The Update is not expected to have a significant impact on the Company’s consolidated financial statements.

In February 2018, the FASB issued Income Statement-Reporting Comprehensive Income (Topic 220): Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income. ASU 2018-02 provides the option to reclassify certain stranded income tax effects in accumulated other comprehensive income resulting from the Tax Cuts and Jobs Act of 2017 (Tax Reform Act), enacted on December 22, 2017. ASU 2018-02 was issued in response to concerns regarding current guidance in GAAP that requires deferred tax liabilities and assets to be adjusted for the effect of a change in tax laws or rates with the effect included in income from continuing operations in the reporting period that includes the enactment date, even in situations in which the related income tax effects were originally recognized in other comprehensive income, rather than net income, and as a result the stranded tax effects would not reflect the appropriate tax rate. The amendments of ASU 2018-02 allow an entity to make a reclassification from accumulated other comprehensive income to retained earnings for the stranded tax effects, which is the difference between the historical corporate income tax rate of 34.0 percent and the newly enacted corporate income tax rate of 21.0 percent. ASU 2018-02 is effective for fiscal years, and interim periods within those years, beginning after December 31, 2018; however, entities are allowed to early adopt the amendments of ASU 2018-02 in any interim period for which the financial statements have not yet been issued. The amendments of ASU 2018-02 may be applied either at the beginning of the period (annual or interim) of adoption or retrospectively to each of the period(s) in which the effect of the change in the U.S. federal corporate tax rate in the Tax Reform Act is recognized. The Company chose to early adopt the new standard for the year ended December 31, 2017, as allowed. The amount of the reclassification for the Company was $3,860.

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Commitments
9 Months Ended

Sep. 30, 2018

Commitments and Contingencies Disclosure [Abstract]

Commitments

10. COMMITMENTS

In the normal course of business, the Bank makes various commitments that are not reflected in the Bank’s financial statements. The Bank offers such products to enable its customers to meet their financing objectives. These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized on the balance sheets. The Bank’s exposure to credit loss in the event of nonperformance by the other parties to the financial instruments is represented by the contractual amounts as disclosed. The Bank minimizes its exposure to credit loss under these commitments by subjecting them to credit approval and review procedures and collateral requirements as deemed necessary.

Off-balance sheet commitments consist of the following:

September 30,

2018

(unaudited)

Commitments to extend credit $ 1,804,500

Construction unadvanced funds 3,835,392

Unused lines of credit 7,401,838

$ 13,041,730

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the loan agreement. These commitments consisted primarily of mortgage loan commitments. The Bank uses the same credit policies in making loan commitments and conditional obligations as it does for on-balance sheet instruments. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, as deemed necessary, is based upon management’s credit evaluation in compliance with the Bank’s lending policy guidelines.

In August 2017, the Bank entered into employment agreements with three executives that provide for a base salary and certain other benefits. The initial terms of the agreements are for three years with annual renewals thereafter. In the event of the executive’s termination without cause, as defined, the executive will receive a lump-sum cash payment equal to the amount remaining under the contract. Additional benefits are payable upon a change in control, as defined.

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Nature of Operations and Basis of Presentation (Details Narrative) - $ / shares
1 Months Ended 9 Months Ended

Jan. 24, 2018

Jan. 24, 2018

Sep. 30, 2018

Nature Of Operations And Basis Of Presentation [Line Items]

Number of common stock share issued 2,248,250

Number of shares purchase for employee stock ownership program 88,131

Plan Of Mutual Holding Company Reorganization And Minority Stock Issuance [Member]

Nature Of Operations And Basis Of Presentation [Line Items]

Number of common stock share issued 1,011,712

Stock price per share $ 10 $ 10

Plan Of Mutual Holding Company Reorganization And Minority Stock Issuance [Member] | Employee Stock Option [Member]

Nature Of Operations And Basis Of Presentation [Line Items]

Stock price per share $ 10 $ 10

Number of shares purchase for employee stock ownership program 88,131

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Nature Of Operations And Basis Of Presentation [Line Items]

Number of common stock share issued 1,236,538

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Securities Available for Sale - Schedule of Contractual Maturities (Details) - USD ($)

Sep. 30, 2018

Dec. 31, 2017

Investments, Debt and Equity Securities [Abstract]

Amortized Cost: Due within one year or less $ 392,831

Amortized Cost: Due after one year through five years 2,687,988

Amortized Cost: Due after five years through ten years 2,021,327

Amortized Cost: Due after ten years 3,951,208

Amortized Cost: Total 9,053,354 $ 2,646,080

Fair Value: Due within one year or less 392,013

Fair Value: Due after one year through five years 2,657,569

Fair Value: Due after five years through ten years 1,968,980

Fair Value: Due after ten years 3,904,323

Fair Value: Total $ 8,922,885 $ 2,616,350

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Commitments - Schedule of Off-Balance Sheet Commitments (Details)

Sep. 30, 2018

USD ($)

Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]

Financial instruments $ 13,041,730

Commitments to Extend Credit [Member]

Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]

Financial instruments 1,804,500

Construction Unadvanced Funds [Member]

Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]

Financial instruments 3,835,392

Unused Lines of Credit [Member]

Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]

Financial instruments $ 7,401,838

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Allowance for Loan Losses - Schedule of Balances of Loans by Class Based on Payment Performance (Details) - USD ($)

Sep. 30, 2018

Dec. 31, 2017

Financing Receivable, Credit Quality Indicator [Line Items]

Total Loans Receivable $ 157,616,411 $ 141,450,096

Mortgage One-to-Four Family [Member]

Financing Receivable, Credit Quality Indicator [Line Items]

Total Loans Receivable 75,617,401 75,858,226

Consumer and HELOC [Member]

Financing Receivable, Credit Quality Indicator [Line Items]

Total Loans Receivable 5,177,999 4,014,258

Performing Financial Instruments [Member] | Mortgage One-to-Four Family [Member]

Financing Receivable, Credit Quality Indicator [Line Items]

Total Loans Receivable 73,541,731 73,750,140

Performing Financial Instruments [Member] | Consumer and HELOC [Member]

Financing Receivable, Credit Quality Indicator [Line Items]

Total Loans Receivable 5,166,252 3,985,013

Nonperforming Financial Instruments [Member] | Mortgage One-to-Four Family [Member]

Financing Receivable, Credit Quality Indicator [Line Items]

Total Loans Receivable 2,075,670 2,108,086

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Financing Receivable, Credit Quality Indicator [Line Items]

Total Loans Receivable $ 11,747 $ 29,245

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Fair Value Measurements
9 Months Ended

Sep. 30, 2018

Fair Value Disclosures [Abstract]

Fair Value Measurements

11. FAIR VALUE MEASUREMENTS

The following disclosures show the hierarchal disclosure framework associated with the level of pricing observations utilized in measuring assets and liabilities at fair value. The three broad pricing levels are as follows:

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

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

Level III: Valuations derived from valuation techniques in which one or more significant inputs or significant value drivers are unobservable.

This hierarchy requires the use of observable market data, when available.

Fair values for securities are determined by obtaining quoted prices on nationally recognized securities exchanges or matrix pricing, which is a mathematical technique that is widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark-quoted securities. Fair values of securities determined by quoted prices in active markets, when available, are classified as Level I. At September 30, 2018 and December 31, 2017, fair value measurements were obtained from a third-party pricing service and not adjusted by management. Transfers are recognized at the end of the reporting period, as applicable.



The following tables present the assets reported on the balance sheets at their fair value by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.

September 30, 2018 (unaudited)

Level I Level II Level III Total

Fair value measurements on a recurring basis:

Mortgage-backed securities in government-sponsored entities $ - $ 3,975,191 $ - $ 3,975,191

Obligations of state and political subdivisions - 1,488,139 - 1,488,139

Corporate bonds - 3,266,923 - 3,266,923

U.S. treasury securities 192,632 - - 192,632

Mortgage servicing rights - - 240,747 240,747

Impaired loans with reserve - - 320,959 320,959

December 31, 2017

Level I Level II Level III Total

Fair value measurements on a recurring basis:

Mortgage-backed securities in government-sponsored entities $ - $ 519,258 $ - $ 519,258

Obligations of state and political subdivisions - 1,599,878 - 1,599,878

Corporate bonds - 301,898 - 301,898

U.S. treasury securities 195,316 - - 195,316

Mortgage servicing rights - - 231,977 231,977

Impaired loans with reserve - - 112,139 112,139

September 30, 2018 (unaudited)

Level I Level II Level III Total

Fair value measurements on a nonrecurring basis:

Other real estate owned $ - $ - $ 59,932 $ 59,932

December 31, 2017

Level I Level II Level III Total

Fair value measurements on a nonrecurring basis:

Other real estate owned $ - $ - $ 59,932 $ 59,932

Other Real Estate Owned

Other real estate owned is measured at fair value, less estimated cost to sell at the date of foreclosure, which establishes a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management. The assets are carried at fair value, less estimated cost to sell. Income and expense from operations and changes in valuation allowance are included in other noninterest expense.

Level III Inputs

The following table provides the significant unobservable inputs used in the fair value measurement process for items valued using Level III techniques:

Fair Value at Range

September 30,
2018 Valuation Techniques Valuation
Unobservable Inputs (Weighted
Average)

(unaudited)

Other real estate owned $ 59,932 Appraised collateral values Discount for time since appraisal 10 %

(10 )%

Selling costs 10 %

(10 )%

Impaired loans with reserve 320,959 Discounted cash flows Discount for evaluation 10 %

(10 )%

Selling costs 10 %

(10 )%

Mortgage servicing rights 240,747 Discounted cash flows Loan prepayment speeds 10.44 %

(10.44 )%

Fair Value at Range

December 31,
2017 Valuation Techniques Valuation
Unobservable Inputs (Weighted
Average)

Other real estate owned $ 59,932 Appraised collateral values Discount for time since appraisal 10 %

(10 )%

Selling costs 10 %

(10 )%

Impaired loans with reserve 112,139 Discounted cash flows Discount for evaluation 10 %

(10 )%

Selling costs 10 %

(10 )%

Mortgage servicing rights 231,977 Discounted cash flows Loan prepayment speeds 8.67 %

(8.67 )%

The estimated fair values of the Company’s financial instruments are as follows:

September 30, 2018 (unaudited)

Carrying Fair

Value Value Level I Level II Level III

Financial assets:

Cash and cash equivalents $ 5,875,416 $ 5,875,416 $ 5,875,416 $ - $ -

Certificates of deposit 846,000 835,649 - 835,649 -

Investment securities:

Available for sale 8,922,885 8,922,885 192,632 8,730,253 -

Held to maturity 7,109 7,196 - 7,196 -

Loans, net 156,613,838 156,639,838 - - 156,639,838

Accrued interest receivable 557,291 557,291 - 557,291 -

FHLB Stock 2,614,900 2,614,900 - - 2,614,900

Financial liabilities:

Deposits 131,366,372 129,695,372 43,455,419 - 86,239,953

FHLB advances 31,374,500 30,933,500 - 30,933,500 -

Accrued interest payable 245,098 245,098 - 245,098 -

December 31, 2017

Carrying Fair

Value Value Level I Level II Level III

Financial assets:

Cash and cash equivalents $ 16,478,066 $ 16,478,066 $ 16,478,066 $ - $ -

Certificates of deposit 943,000 946,497 - 946,497 -

Investment securities:

Available for sale 2,616,350 2,616,350 195,316 2,421,034 -

Held to maturity 9,797 9,494 - 9,494 -

Loans, net 140,574,537 139,784,862 - - 139,784,862

Accrued interest receivable 476,417 476,417 - 476,417 -

FHLB Stock 2,162,600 2,162,600 - - 2,162,600

Financial liabilities:

Deposits 132,430,024 132,189,024 50,730,909 - 81,458,115

FHLB advances 26,416,200 25,602,500 - 25,602,500 -

Accrued interest payable 206,597 206,597 - 206,597 -

Financial instruments are defined as cash, evidence of an ownership interest in an entity, or a contract which creates an obligation or right to receive or deliver cash or another financial instrument from/to a second entity on potentially favorable or unfavorable terms.

Fair value is defined as the amount at which a financial instrument could be exchanged in a current transaction between willing parties other than in a forced or liquidation sale. If a quoted market price is available for a financial instrument, the estimated fair value would be calculated based upon the market price per trading unit of the instrument.

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Allowance for Loan Losses
9 Months Ended

Sep. 30, 2018

Receivables [Abstract]

Allowance for Loan Losses

7. ALLOWANCE FOR LOAN LOSSES

The allowance reflects management’s estimate of loan losses inherent in the loan portfolio at the balance sheet date. The following tables present, by portfolio segment, the changes in the allowance for loan losses and the recorded investment in loans for the three and nine months ended September 30, 2018 (unaudited) and 2017 (unaudited), respectively:

Mortgage Commercial Consumer

Three months ended One-to-Four Mortgage and and

September 30, 2018: Family Commercial Industrial HELOC Total

Allowance for loan losses:

Beginning balance $ 471,438 $ 437,619 $ 134,880 $ 46,079 $ 1,090,016

Charge-offs - - (9,270 ) (29,146 ) (38,416 )

Recoveries - - - - -

Provision (credit) (33,194 ) (46,940 ) 104,987 25,147 50,000

Ending balance $ 438,244 $ 390,679 $ 230,597 $ 42,080 $ 1,101,600

Mortgage Commercial Consumer

Three months ended One-to-Four Mortgage and and

September 30, 2017: Family Commercial Industrial HELOC Total

Allowance for loan losses:

Beginning balance $ 488,009 $ 324,941 $ 70,466 $ 57,316 $ 940,732

Charge-offs - - - - -

Recoveries - - - - -

Provision (credit) 2,495 12,352 15,186 31,017 61,050

Ending balance $ 490,504 $ 337,293 $ 85,652 $ 88,333 $ 1,001,782

Mortgage Commercial Consumer

Nine months ended One-to-Four Mortgage and and

September 30, 2018: Family Commercial Industrial HELOC Total

Allowance for loan losses:

Beginning balance $ 513,846 $ 383,535 $ 80,854 $ 63,210 $ 1,041,445

Charge-offs (16,429 ) - (9,270 ) (29,146 ) (54,845 )

Recoveries - - - - -

Provision (credit) (59,173 ) 7,144 159,013 8,016 115,000

Ending balance $ 438,244 $ 390,679 $ 230,597 $ 42,080 $ 1,101,600

Mortgage Commercial Consumer

Nine months ended One-to-Four Mortgage and and

September 30, 2017: Family Commercial Industrial HELOC Total

Allowance for loan losses:

Beginning balance $ 498,410 $ 228,763 $ 59,439 $ 34,127 $ 820,739

Charge-offs - - - - -

Recoveries - - - - -

Provision (credit) (7,906 ) 108,530 26,213 54,206 181,043

Ending balance $ 490,504 $ 337,293 $ 85,652 $ 88,333 $ 1,001,782

The following tables summarize the loan portfolio and allowance for loan losses by the primary segments of the loan portfolio as of September 30, 2018 (unaudited), and December 31, 2017.

Mortgage One-to-Four Family Mortgage Commercial Commercial
and
Industrial Consumer
and
HELOC Total

September 30, 2018

Allowance for loan losses:

Loans deemed impaired 33,422 - - - 33,422

Loans not deemed impaired 404,822 390,679 230,597 42,080 1,068,178

Ending Balance 438,244 390,679 230,597 42,080 1,101,600

September 30, 2018

Loans:

Loans deemed impaired 2,492,049 1,779,350 155,660 11,747 4,438,806

Loans not deemed impaired 73,125,352 56,923,447 17,962,554 5,166,252 153,177,605

Ending Balance 75,617,401 58,702,797 18,118,214 5,177,999 157,616,411

Mortgage One-to-Four Family Mortgage Commercial Commercial and Industrial Consumer
and
HELOC Total

December 31, 2017

Allowance for loan losses:

Loans deemed impaired 23,870 - - - 23,870

Loans not deemed impaired 489,976 383,535 80,854 63,210 1,017,575

Ending Balance 513,846 383,535 80,854 63,210 1,041,445

December 31, 2017

Loans:

Loans deemed impaired 2,508,658 1,122,740 8,251 29,245 3,668,894

Loans not deemed impaired 73,349,568 48,999,318 11,447,303 3,985,013 137,781,202

Ending Balance 75,858,226 50,122,058 11,455,554 4,014,258 141,450,096

The following tables present impaired loans by class as of September 30, 2018 (unaudited), and December 31, 2017, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary.

September 30, 2018 December 31, 2017

Unpaid Unpaid

Recorded Principal Related Recorded Principal Related

Investment Balance Allowance Investment Balance Allowance

With no allowance recorded:

Mortgage loans:

One-to-four family $ 2,137,668 $ 2,137,668 $ - $ 2,356,007 $ 2,356,007 $ -

Commercial $ 1,779,350 $ 1,779,350 - 1,122,740 1,122,740 -

Commercial and Industrial $ 155,660 $ 155,660 - 8,251 8,251 -

Consumer and HELOC $ 11,747 $ 11,747 - 29,245 29,245 -

With an allowance recorded:

Mortgage loans:

One-to-four family 354,381 354,381 33,422 152,651 152,651 23,870

Commercial - - - - - -

Commercial and Industrial - - - - - -

Consumer and HELOC - - - - - -

Total mortgage loans:

One-to-four family 2,492,049 2,492,049 33,422 2,508,658 2,508,658 23,870

Commercial 1,779,350 1,779,350 - 1,122,740 1,122,740 -

Commercial and Industrial 155,660 155,660 - 8,251 8,251 -

Consumer and HELOC 11,747 11,747 - 29,245 29,245 -

Total $ 4,438,806 $ 4,438,806 $ 33,422 $ 3,668,894 $ 3,668,894 $ 23,870

The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated.

Three Months Ended
September 30, 2018 Three Months Ended
September 30, 2017

(unaudited) (unaudited)

Average Interest Average Interest

Recorded Income Recorded Income

Investment Recognized Investment Recognized

With no allowance recorded:

Mortgage loans:

One-to-four family $ 2,051,434 $ 8,881 $ 1,832,617 $ 52,335

Commercial 1,555,260 5,125 200,988 803

Commercial and industrial 142,033 - - -

Consumer and HELOC 23,461 298 - -

With an allowance recorded:

Mortgage loans:

One-to-four family 355,222 1,902 138,910 2,273

Commercial - - - -

Commercial and industrial - - - -

Consumer and HELOC - - 16,699 -

Total mortgage loans:

One-to-four family 2,406,656 10,783 1,971,527 54,608

Commercial 1,555,260 5,125 200,988 803

Commercial and industrial 142,033 - - -

Consumer and HELOC 23,461 298 16,699 -

Total $ 4,127,410 $ 16,206 $ 2,189,214 $ 55,411

Nine Months Ended
September 30, 2018 Nine Months Ended
September 30, 2017

(unaudited) (unaudited)

Average Interest Average Interest

Recorded Income Recorded Income

Investment Recognized Investment Recognized

With no allowance recorded:

Mortgage loans:

One-to-four family $ 1,961,587 $ 9,313 $ 1,788,550 $ 76,546

Commercial 1,262,149 6,669 202,584 96,606

Commercial and industrial 105,142 - - -

Consumer and HELOC 38,063 505 - -

With an allowance recorded:

Mortgage loans:

One-to-four family 374,613 7,622 141,029 6,254

Commercial - - - -

Commercial and industrial - - - -

Consumer and HELOC - - 5,566 -

Total mortgage loans:

One-to-four family 2,336,200 16,935 1,929,579 82,800

Commercial 1,262,149 6,669 202,584 96,606

Commercial and industrial 105,142 - - -

Consumer and HELOC 38,063 505 5,566 -

Total $ 3,741,554 $ 24,109 $ 2,137,729 $ 179,406

Aging Analysis of Past-Due Loans by Class

Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following tables present the classes of the loan portfolio summarized by the aging categories at the dates indicated:

September 30, 2018 (unaudited)

30-59 Days 60-89 Days 90 Days
or Greater Total Past Total Loans 90 Days or
Greater Still

Past Due Past Due Past Due Due Current Receivable Accruing

Mortgage loans:

One-to-four family $ 223,534 294,661 1,636,601 2,154,796 $ 73,462,605 $ 75,617,401 $ -

Commercial 794,525 - 1,054,164 1,848,689 56,854,108 58,702,797 -

Commercial and industrial - - 155,660 155,660 17,962,554 18,118,214 -

Consumer and HELOC 10,547 - 1,200 11,747 5,166,252 5,177,999 -

Total $ 1,028,606 $ 294,661 $ 2,847,625 $ 4,170,892 $ 153,445,519 $ 157,616,411 $ -

December 31, 2017

30-59 Days 60-89 Days 90 Days
or Greater Total Past Total Loans 90 Days or
Greater Still

Past Due Past Due Past Due Due Current Receivable Accruing

Mortgage loans:

One-to-four family $ 982,168 $ 399,992 $ 1,900,116 $ 3,282,276 $ 72,575,950 $ 75,858,226 $ -

Commercial 656,640 - 1,122,740 1,779,380 48,342,678 50,122,058 -

Commercial and industrial 301,783 - 8,251 310,034 11,145,519 11,455,554 -

Consumer and HELOC 662 14,386 29,245 44,293 3,969,965 4,014,258 -

Total $ 1,941,253 $ 414,378 $ 3,060,352 $ 5,415,983 $ 136,034,112 $ 141,450,096 $ -

The following table presents the loans on nonaccrual status, by class:

September 30, December 31,

2018 2017

(unaudited)

Mortgage loans:

One-to-four family $ 2,210,273 $ 2,108,086

Commercial 1,102,106 1,122,740

Commercial and industrial 155,660 8,251

Consumer and HELOC 11,747 29,245

Total $ 3,479,786 $ 3,268,322

Credit Quality Information

The Bank categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Bank analyzes commercial loans individually by classifying the loans as to their credit risk. The Bank uses a nine-grade internal loan rating system for commercial mortgage loans and commercial and industrial loans as follows:

● Loans rated 1, 2, 3, 4, and 5: Loans in these categories are considered “pass” rated loans with low to average risk.

● Loans rated 6: Loans in this category are considered “special mention.” These loans have a potential weakness that deserves management’s close attention. If left uncorrected, these weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date.

● Loans rated 7: Loans in this category are considered “substandard.” These loans have a well-defined weakness based on objective evidence that jeopardize the liquidation of the debt. These loans are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.

● Loans rated 8: Loans in this category are considered “doubtful” and have all the weaknesses inherent in a loan rated 7. In addition, these weaknesses make collection or liquidation in full highly questionable and improbable, based on existing circumstances.

● Loans rated 9: Loans in this category are considered “loss” and are considered to be uncollectible or of such value that continuance as an asset is not warranted.



Credit Quality Information (Continued)

The risk category of loans by class is as follows:

September 30, 2018 (unaudited) December 31, 2017

Mortgage Commercial and Mortgage Commercial and

Commercial Industrial Commercial Industrial

Loans rated 1 - 5 $ 56,971,390 $ 13,980,085 $ 48,764,928 $ 11,434,756

Loans rated 6 - 3,982,469 234,390 20,798

Loans rated 7 1,731,407 155,660 1,122,740 -

Ending balance $ 58,702,797 $ 18,118,214 $ 50,122,058 $ 11,455,554

There were no loans classified as doubtful or loss at September 30, 2018, or December 31, 2017.

For one-to-four family mortgage and consumer and HELOC loans, the Bank evaluates credit quality based on whether the loan is considered to be performing or nonperforming. Loans are generally considered to be nonperforming when they are placed on nonaccrual or become 90 days past due. The following table presents the balances of loans by class based on payment performance:

September 30, 2018 (unaudited) December 31, 2017

Mortgage Consumer Mortgage Consumer

One-to-Four and One-to-Four and

Family HELOC Family HELOC

Performing $ 73,541,731 $ 5,166,252 $ 73,750,140 $ 3,985,013

Nonperforming 2,075,670 11,747 2,108,086 29,245

Total $ 75,617,401 $ 5,177,999 $ 75,858,226 $ 4,014,258

Troubled Debt Restructurings

There was one loan modified as a troubled debt restructuring during the three months ended September 30, 2018 (unaudited). The loan was a one-to-four family mortgage and had a pre- and post-modification balance of $146,053. The concession granted by the Bank was an extension of the maturity date. There were no additional loans modified as troubled debt restructurings in the nine months ended September 30, 2018.

During the nine months ended September 30, 2017, the Bank modified three loans as troubled debt restructurings. The loans were all one-to-four family mortgages and had a pre- and post-modification aggregate balance of $207,967. The concession granted by the Bank was an extension of the maturity date for all three of the loans noted.

As of September 30, 2018, and December 31, 2017, the Bank allocated $7,266 and $23,870, respectively, within the allowance for loan losses related to all loans modified as troubled debt restructurings.

The Bank did not have any loans modified as a troubled debt restructuring in the preceding 12 months that subsequently defaulted in the current reporting period.

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Securities Available for Sale
9 Months Ended

Sep. 30, 2018

Investments, Debt and Equity Securities [Abstract]

Securities Available for Sale

3. SECURITIES AVAILABLE FOR SALE

The amortized cost, gross unrealized gains and losses, and fair values of securities available for sale are as follows:

September 30, 2018 (unaudited)

Gross Gross

Amortized Unrealized Unrealized Fair

Cost Gains Losses Value

Mortgage-backed securities in government-sponsored entities $ 4,021,797 $ 279 $ (46,885 ) $ 3,975,191

Obligations of state and political subdivisions 1,540,374 171 (52,406 ) 1,488,139

Corporate bonds 3,298,437 - (31,514 ) 3,266,923

U.S. treasury securities 192,746 29 (143 ) 192,632

Total $ 9,053,354 $ 479 $ (130,948 ) $ 8,922,885

December 31, 2017

Gross Gross

Amortized Unrealized Unrealized Fair

Cost Gains Losses Value

Mortgage-backed securities in government-sponsored entities $ 524,873 $ - $ (5,615 ) $ 519,258

Obligations of state and political subdivisions 1,626,608 852 (27,582 ) 1,599,878

Corporate bonds 300,952 1,399 (453 ) 301,898

U.S. treasury securities 193,647 1,669 - 195,316

Total $ 2,646,080 $ 3,920 $ (33,650 ) $ 2,616,350

The amortized cost and fair value of investment securities available for sale by contractual maturity are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Mortgage-backed securities provide for periodic payments of principal and interest and have contractual maturities ranging from less than 1 year to 25 years. Due to expected repayment terms being significantly less than the underlying mortgage pool contractual maturities, estimated lives of these securities could be significantly shorter.

September 30, 2018 (unaudited)

Amortized Fair

Cost Value

Due within one year or less $ 392,831 $ 392,013

Due after one year through five years 2,687,988 2,657,569

Due after five years through ten years 2,021,327 1,968,980

Due after ten years 3,951,208 3,904,323

Total $ 9,053,354 $ 8,922,885

For the three months ended September 30, 2018 and 2017, there were no sales of investment securities available for sale.

For the nine months ended September 30, 2018, there were no sales of investment securities available for sale. For the nine months ended September 30, 2017, there were 2 municipal bonds sold with a total amortized cost of $315,811 and an associated gain on sale of $350. The proceeds of the sale were $313,643.

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Earnings Per Share (Tables)
9 Months Ended

Sep. 30, 2018

EARNINGS PER COMMON SHARE

Schedule of Computation of Earnings Per Share

Earnings per common share for the nine months ended September 30, 2018 is not presented as the Company’s initial public offering was completed on January 24, 2018; therefore, per share results would not be meaningful.

Three months ended

September 30, 2018

(unaudited)

Net Income $ 94,834

Shares outstanding for basic EPS:

Average shares outstanding 2,248,250

Less: Average unearned ESOP shares 85,377

2,162,873

Additional dilutive shares -

Shares outstanding for basic and diluted EPS 2,162,873

Basic and diluted income per share $ 0.04

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Securities Available for Sale - Schedule of Securities Available for Sale (Details) - USD ($)

Sep. 30, 2018

Dec. 31, 2017

Debt Securities, Available-for-sale [Line Items]

Amortized Cost $ 9,053,354 $ 2,646,080

Gross Unrealized Gains 479 3,920

Gross Unrealized Losses (130,948) (33,650)

Available for sale 8,922,885 2,616,350

Mortgage-backed Securities in Government-Sponsored Entities [Member]

Debt Securities, Available-for-sale [Line Items]

Amortized Cost 4,021,797 524,873

Gross Unrealized Gains 279

Gross Unrealized Losses (46,885) (5,615)

Available for sale 3,975,191 519,258

Obligations of State and Political Subdivisions [Member]

Debt Securities, Available-for-sale [Line Items]

Amortized Cost 1,540,374 1,626,608

Gross Unrealized Gains 171 852

Gross Unrealized Losses (52,406) (27,582)

Available for sale 1,488,139 1,599,878

Corporate Bonds [Member]

Debt Securities, Available-for-sale [Line Items]

Amortized Cost 3,298,437 300,952

Gross Unrealized Gains 1,399

Gross Unrealized Losses (31,514) (453)

Available for sale 3,266,923 301,898

U.S. Treasury Securities [Member]

Debt Securities, Available-for-sale [Line Items]

Amortized Cost 192,746 193,647

Gross Unrealized Gains 29 1,669

Gross Unrealized Losses (143)

Available for sale $ 192,632 $ 195,316

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Allowance for Loan Losses (Tables)
9 Months Ended

Sep. 30, 2018

Receivables [Abstract]

Schedule of Changes in the Allowance for Loan Losses and the Recorded Investment in Loans

The allowance reflects management’s estimate of loan losses inherent in the loan portfolio at the balance sheet date. The following tables present, by portfolio segment, the changes in the allowance for loan losses and the recorded investment in loans for the three and nine months ended September 30, 2018 (unaudited) and 2017 (unaudited), respectively:

Mortgage Commercial Consumer

Three months ended One-to-Four Mortgage and and

September 30, 2018: Family Commercial Industrial HELOC Total

Allowance for loan losses:

Beginning balance $ 471,438 $ 437,619 $ 134,880 $ 46,079 $ 1,090,016

Charge-offs - - (9,270 ) (29,146 ) (38,416 )

Recoveries - - - - -

Provision (credit) (33,194 ) (46,940 ) 104,987 25,147 50,000

Ending balance $ 438,244 $ 390,679 $ 230,597 $ 42,080 $ 1,101,600

Mortgage Commercial Consumer

Three months ended One-to-Four Mortgage and and

September 30, 2017: Family Commercial Industrial HELOC Total

Allowance for loan losses:

Beginning balance $ 488,009 $ 324,941 $ 70,466 $ 57,316 $ 940,732

Charge-offs - - - - -

Recoveries - - - - -

Provision (credit) 2,495 12,352 15,186 31,017 61,050

Ending balance $ 490,504 $ 337,293 $ 85,652 $ 88,333 $ 1,001,782

Mortgage Commercial Consumer

Nine months ended One-to-Four Mortgage and and

September 30, 2018: Family Commercial Industrial HELOC Total

Allowance for loan losses:

Beginning balance $ 513,846 $ 383,535 $ 80,854 $ 63,210 $ 1,041,445

Charge-offs (16,429 ) - (9,270 ) (29,146 ) (54,845 )

Recoveries - - - - -

Provision (credit) (59,173 ) 7,144 159,013 8,016 115,000

Ending balance $ 438,244 $ 390,679 $ 230,597 $ 42,080 $ 1,101,600

Mortgage Commercial Consumer

Nine months ended One-to-Four Mortgage and and

September 30, 2017: Family Commercial Industrial HELOC Total

Allowance for loan losses:

Beginning balance $ 498,410 $ 228,763 $ 59,439 $ 34,127 $ 820,739

Charge-offs - - - - -

Recoveries - - - - -

Provision (credit) (7,906 ) 108,530 26,213 54,206 181,043

Ending balance $ 490,504 $ 337,293 $ 85,652 $ 88,333 $ 1,001,782

Schedule of Primary Segments of the Loan Portfolio

The following tables summarize the loan portfolio and allowance for loan losses by the primary segments of the loan portfolio as of September 30, 2018 (unaudited), and December 31, 2017.

Mortgage One-to-Four Family Mortgage Commercial Commercial
and
Industrial Consumer
and
HELOC Total

September 30, 2018

Allowance for loan losses:

Loans deemed impaired 33,422 - - - 33,422

Loans not deemed impaired 404,822 390,679 230,597 42,080 1,068,178

Ending Balance 438,244 390,679 230,597 42,080 1,101,600

September 30, 2018

Loans:

Loans deemed impaired 2,492,049 1,779,350 155,660 11,747 4,438,806

Loans not deemed impaired 73,125,352 56,923,447 17,962,554 5,166,252 153,177,605

Ending Balance 75,617,401 58,702,797 18,118,214 5,177,999 157,616,411

Mortgage One-to-Four Family Mortgage Commercial Commercial and Industrial Consumer
and
HELOC Total

December 31, 2017

Allowance for loan losses:

Loans deemed impaired 23,870 - - - 23,870

Loans not deemed impaired 489,976 383,535 80,854 63,210 1,017,575

Ending Balance 513,846 383,535 80,854 63,210 1,041,445

December 31, 2017

Loans:

Loans deemed impaired 2,508,658 1,122,740 8,251 29,245 3,668,894

Loans not deemed impaired 73,349,568 48,999,318 11,447,303 3,985,013 137,781,202

Ending Balance 75,858,226 50,122,058 11,455,554 4,014,258 141,450,096

Schedule of Impaired Loans by Class

The following tables present impaired loans by class as of September 30, 2018 (unaudited), and December 31, 2017, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary.

September 30, 2018 December 31, 2017

Unpaid Unpaid

Recorded Principal Related Recorded Principal Related

Investment Balance Allowance Investment Balance Allowance

With no allowance recorded:

Mortgage loans:

One-to-four family $ 2,137,668 $ 2,137,668 $ - $ 2,356,007 $ 2,356,007 $ -

Commercial $ 1,779,350 $ 1,779,350 - 1,122,740 1,122,740 -

Commercial and Industrial $ 155,660 $ 155,660 - 8,251 8,251 -

Consumer and HELOC $ 11,747 $ 11,747 - 29,245 29,245 -

With an allowance recorded:

Mortgage loans:

One-to-four family 354,381 354,381 33,422 152,651 152,651 23,870

Commercial - - - - - -

Commercial and Industrial - - - - - -

Consumer and HELOC - - - - - -

Total mortgage loans:

One-to-four family 2,492,049 2,492,049 33,422 2,508,658 2,508,658 23,870

Commercial 1,779,350 1,779,350 - 1,122,740 1,122,740 -

Commercial and Industrial 155,660 155,660 - 8,251 8,251 -

Consumer and HELOC 11,747 11,747 - 29,245 29,245 -

Total $ 4,438,806 $ 4,438,806 $ 33,422 $ 3,668,894 $ 3,668,894 $ 23,870

Schedule of Average Recorded Investment in Impaired Loans and Related Interest Income

The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated.

Three Months Ended
September 30, 2018 Three Months Ended
September 30, 2017

(unaudited) (unaudited)

Average Interest Average Interest

Recorded Income Recorded Income

Investment Recognized Investment Recognized

With no allowance recorded:

Mortgage loans:

One-to-four family $ 2,051,434 $ 8,881 $ 1,832,617 $ 52,335

Commercial 1,555,260 5,125 200,988 803

Commercial and industrial 142,033 - - -

Consumer and HELOC 23,461 298 - -

With an allowance recorded:

Mortgage loans:

One-to-four family 355,222 1,902 138,910 2,273

Commercial - - - -

Commercial and industrial - - - -

Consumer and HELOC - - 16,699 -

Total mortgage loans:

One-to-four family 2,406,656 10,783 1,971,527 54,608

Commercial 1,555,260 5,125 200,988 803

Commercial and industrial 142,033 - - -

Consumer and HELOC 23,461 298 16,699 -

Total $ 4,127,410 $ 16,206 $ 2,189,214 $ 55,411

Nine Months Ended
September 30, 2018 Nine Months Ended
September 30, 2017

(unaudited) (unaudited)

Average Interest Average Interest

Recorded Income Recorded Income

Investment Recognized Investment Recognized

With no allowance recorded:

Mortgage loans:

One-to-four family $ 1,961,587 $ 9,313 $ 1,788,550 $ 76,546

Commercial 1,262,149 6,669 202,584 96,606

Commercial and industrial 105,142 - - -

Consumer and HELOC 38,063 505 - -

With an allowance recorded:

Mortgage loans:

One-to-four family 374,613 7,622 141,029 6,254

Commercial - - - -

Commercial and industrial - - - -

Consumer and HELOC - - 5,566 -

Total mortgage loans:

One-to-four family 2,336,200 16,935 1,929,579 82,800

Commercial 1,262,149 6,669 202,584 96,606

Commercial and industrial 105,142 - - -

Consumer and HELOC 38,063 505 5,566 -

Total $ 3,741,554 $ 24,109 $ 2,137,729 $ 179,406

Schedule of Classes of the Loan Portfolio by Aging

The following tables present the classes of the loan portfolio summarized by the aging categories at the dates indicated:

September 30, 2018 (unaudited)

30-59 Days 60-89 Days 90 Days
or Greater Total Past Total Loans 90 Days or
Greater Still

Past Due Past Due Past Due Due Current Receivable Accruing

Mortgage loans:

One-to-four family $ 223,534 294,661 1,636,601 2,154,796 $ 73,462,605 $ 75,617,401 $ -

Commercial 794,525 - 1,054,164 1,848,689 56,854,108 58,702,797 -

Commercial and industrial - - 155,660 155,660 17,962,554 18,118,214 -

Consumer and HELOC 10,547 - 1,200 11,747 5,166,252 5,177,999 -

Total $ 1,028,606 $ 294,661 $ 2,847,625 $ 4,170,892 $ 153,445,519 $ 157,616,411 $ -

December 31, 2017

30-59 Days 60-89 Days 90 Days
or Greater Total Past Total Loans 90 Days or
Greater Still

Past Due Past Due Past Due Due Current Receivable Accruing

Mortgage loans:

One-to-four family $ 982,168 $ 399,992 $ 1,900,116 $ 3,282,276 $ 72,575,950 $ 75,858,226 $ -

Commercial 656,640 - 1,122,740 1,779,380 48,342,678 50,122,058 -

Commercial and industrial 301,783 - 8,251 310,034 11,145,519 11,455,554 -

Consumer and HELOC 662 14,386 29,245 44,293 3,969,965 4,014,258 -

Total $ 1,941,253 $ 414,378 $ 3,060,352 $ 5,415,983 $ 136,034,112 $ 141,450,096 $ -

Schedule of Loans on Nonaccrual Status

The following table presents the loans on nonaccrual status, by class:

September 30, December 31,

2018 2017

(unaudited)

Mortgage loans:

One-to-four family $ 2,210,273 $ 2,108,086

Commercial 1,102,106 1,122,740

Commercial and industrial 155,660 8,251

Consumer and HELOC 11,747 29,245

Total $ 3,479,786 $ 3,268,322

Schedule of Risk Category of Loans

The risk category of loans by class is as follows:

September 30, 2018 (unaudited) December 31, 2017

Mortgage Commercial and Mortgage Commercial and

Commercial Industrial Commercial Industrial

Loans rated 1 - 5 $ 56,971,390 $ 13,980,085 $ 48,764,928 $ 11,434,756

Loans rated 6 - 3,982,469 234,390 20,798

Loans rated 7 1,731,407 155,660 1,122,740 -

Ending balance $ 58,702,797 $ 18,118,214 $ 50,122,058 $ 11,455,554

Schedule of Balances of Loans by Class Based on Payment Performance

The following table presents the balances of loans by class based on payment performance:

September 30, 2018 (unaudited) December 31, 2017

Mortgage Consumer Mortgage Consumer

One-to-Four and One-to-Four and

Family HELOC Family HELOC

Performing $ 73,541,731 $ 5,166,252 $ 73,750,140 $ 3,985,013

Nonperforming 2,075,670 11,747 2,108,086 29,245

Total $ 75,617,401 $ 5,177,999 $ 75,858,226 $ 4,014,258

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Securities Available for Sale (Tables)
9 Months Ended

Sep. 30, 2018

Investments, Debt and Equity Securities [Abstract]

Schedule of Securities Available for Sale

The amortized cost, gross unrealized gains and losses, and fair values of securities available for sale are as follows:

September 30, 2018 (unaudited)

Gross Gross

Amortized Unrealized Unrealized Fair

Cost Gains Losses Value

Mortgage-backed securities in government-sponsored entities $ 4,021,797 $ 279 $ (46,885 ) $ 3,975,191

Obligations of state and political subdivisions 1,540,374 171 (52,406 ) 1,488,139

Corporate bonds 3,298,437 - (31,514 ) 3,266,923

U.S. treasury securities 192,746 29 (143 ) 192,632

Total $ 9,053,354 $ 479 $ (130,948 ) $ 8,922,885

December 31, 2017

Gross Gross

Amortized Unrealized Unrealized Fair

Cost Gains Losses Value

Mortgage-backed securities in government-sponsored entities $ 524,873 $ - $ (5,615 ) $ 519,258

Obligations of state and political subdivisions 1,626,608 852 (27,582 ) 1,599,878

Corporate bonds 300,952 1,399 (453 ) 301,898

U.S. treasury securities 193,647 1,669 - 195,316

Total $ 2,646,080 $ 3,920 $ (33,650 ) $ 2,616,350

Schedule of Contractual Maturities

September 30, 2018 (unaudited)

Amortized Fair

Cost Value

Due within one year or less $ 392,831 $ 392,013

Due after one year through five years 2,687,988 2,657,569

Due after five years through ten years 2,021,327 1,968,980

Due after ten years 3,951,208 3,904,323

Total $ 9,053,354 $ 8,922,885

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Consolidated Statements of Changes in Stockholders' Equity (Unaudited) - USD ($)

Common Stock [Member]

Paid-In Capital [Member]

Retained Earnings [Member]

Unearned Employee Stock Ownership Plan [Member]

AOCI Attributable to Parent [Member]

Total

Balance at Dec. 31, 2016 $ 11,542,127 $ (47,388) $ 11,494,739

Reclassification of certain income tax effects from accumulated other comprehensive loss 3,860 (3,860)

Net income 589,098 589,098

Other comprehensive income 27,761 27,761

Net proceeds from stock offering (2,248,250 shares issued)

Purchase of ESOP shares (88,131 shares purchased)

Amortization of ESOP

Balance at Dec. 31, 2017 12,135,085 (23,487) 12,111,598

Reclassification of certain income tax effects from accumulated other comprehensive loss

Net income 198,389 198,389

Other comprehensive income (79,267) (79,267)

Net proceeds from stock offering (2,248,250 shares issued) 22,483 8,696,044 8,718,527

Purchase of ESOP shares (88,131 shares purchased) (881,310) (881,310)

Amortization of ESOP (2,104) 33,049 30,945

Balance at Sep. 30, 2018 $ 22,483 $ 8,693,940 $ 12,333,474 $ (848,261) $ (102,754) $ 20,098,882

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Consolidated Balance Sheets - USD ($)

Sep. 30, 2018

Dec. 31, 2017

ASSETS

Cash and due from banks $ 2,312,211 $ 2,558,134

Interest-bearing deposits with other financial institutions 3,563,205 13,919,932

Cash and cash equivalents 5,875,416 16,478,066

Certificates of deposit 846,000 943,000

Securities available for sale 8,922,885 2,616,350

Securities held to maturity (fair value of $8,095, and $9,494, respectively) 7,109 9,797

Loans 157,715,438 141,615,982

Allowance for loan losses (1,101,600) (1,041,445)

Net loans 156,613,838 140,574,537

Accrued interest receivable 557,291 476,417

Federal Home Loan Bank stock, at cost 2,614,900 2,162,600

Premises and equipment, net 4,371,213 4,358,006

Bank-owned life insurance 2,411,888 2,358,519

Deferred tax asset, net 320,101 328,169

Prepaid reorganization and stock issuance costs 837,944

Other assets 976,873 762,086

TOTAL ASSETS 183,517,514 171,905,491

Deposits:

Noninterest-bearing demand 491,252 440,871

Interest-bearing demand 14,098,425 23,167,923

Money market 15,113,363 14,597,811

Savings 13,752,379 12,524,304

Time 87,910,953 81,699,115

Total deposits 131,366,372 132,430,024

Federal Home Loan Bank advances 31,374,500 26,416,200

Advances by borrowers for taxes and insurance 317,744 688,451

Accrued interest payable 245,098 206,597

Other liabilities 114,918 52,621

TOTAL LIABILITIES 163,418,632 159,793,893

STOCKHOLDERS' EQUITY

Preferred Stock: $0.01 par value per share: 5,000,000 shares authorized and no shares issued or outstanding

Common Stock: 20,000,000 shares authorized and 2,248,250 shares issued and outstanding at $0.01 par value 22,483

Paid-in capital 8,693,940

Retained earnings 12,333,474 12,135,085

Unearned Employee Stock Ownership Plan (ESOP) (848,261)

Accumulated other comprehensive loss (102,754) (23,487)

TOTAL NET STOCKHOLDERS' EQUITY 20,098,882 12,111,598

TOTAL LIABILITIES AND STOCKHOLERS' EQUITY $ 183,517,514 $ 171,905,491

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Unrealized Losses On Securities - Schedule of Unrealized Loss on Securities (Details) - USD ($)
9 Months Ended 12 Months Ended

Sep. 30, 2018

Dec. 31, 2017

Schedule Of Investment Securities [Line Items]

Less than Twelve Months, Fair Value $ 8,021,328 $ 1,763,431

Less Than Twelve Months, Gross Unrealized Losses (82,971) (13,306)

Twelve Months or Greater, Fair Value 749,332 415,015

Twelve Months or Greater, Gross Unrealized Losses (47,977) (20,647)

Total, Fair Value 8,770,660 2,178,446

Total, Gross Unrealized Losses (130,948) (33,953)

U.S. Treasury Securities [Member]

Schedule Of Investment Securities [Line Items]

Less than Twelve Months, Fair Value 159,530

Less Than Twelve Months, Gross Unrealized Losses (143)

Twelve Months or Greater, Fair Value

Twelve Months or Greater, Gross Unrealized Losses

Total, Fair Value 159,530

Total, Gross Unrealized Losses (143)

Mortgage-backed Securities in Government-Sponsored Entities [Member]

Schedule Of Investment Securities [Line Items]

Less than Twelve Months, Fair Value 3,548,709 519,258

Less Than Twelve Months, Gross Unrealized Losses (33,886) (5,615)

Twelve Months or Greater, Fair Value 355,614 9,494

Twelve Months or Greater, Gross Unrealized Losses 12,999 (303)

Total, Fair Value 3,904,323 528,752

Total, Gross Unrealized Losses (46,885) (5,918)

Obligations of State and Political Subdivisions [Member]

Schedule Of Investment Securities [Line Items]

Less than Twelve Months, Fair Value 1,046,166 1,044,275

Less Than Twelve Months, Gross Unrealized Losses (17,428) (7,238)

Twelve Months or Greater, Fair Value 393,718 405,521

Twelve Months or Greater, Gross Unrealized Losses (34,978) (20,344)

Total, Fair Value 1,439,884 1,449,796

Total, Gross Unrealized Losses (52,406) (27,582)

Corporate Bonds [Member]

Schedule Of Investment Securities [Line Items]

Less than Twelve Months, Fair Value 3,266,923 199,898

Less Than Twelve Months, Gross Unrealized Losses (31,514) (453)

Twelve Months or Greater, Fair Value

Twelve Months or Greater, Gross Unrealized Losses

Total, Fair Value 3,266,923 199,898

Total, Gross Unrealized Losses $ (31,514) $ (453)

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Allowance for Loan Losses - Schedule of Changes in the Allowance for Loan Losses and the Recorded Investment in Loans (Details) - USD ($)
3 Months Ended 9 Months Ended

Sep. 30, 2018

Sep. 30, 2017

Sep. 30, 2018

Sep. 30, 2017

Accounts, Notes, Loans and Financing Receivable [Line Items]

Allowance for loan losses Beginning balance $ 1,090,016 $ 940,732 $ 1,041,445 $ 820,739

Allowance for loan losses Charge-offs (38,416) (54,845)

Allowance for loan losses Recoveries

Allowance for loan losses Provision (credit) 50,000 61,050 115,000 181,043

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Accounts, Notes, Loans and Financing Receivable [Line Items]

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Allowance for loan losses Charge-offs (16,429)

Allowance for loan losses Recoveries

Allowance for loan losses Provision (credit) (33,194) 2,495 (59,173) (7,906)

Allowance for loan losses Ending balance 438,244 490,504 438,244 490,504

Mortgage Commercial [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

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Allowance for loan losses Charge-offs

Allowance for loan losses Recoveries

Allowance for loan losses Provision (credit) (46,940) 12,352 7,144 108,530

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Commercial and Industrial [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

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Allowance for loan losses Charge-offs (9,270) (9,270)

Allowance for loan losses Recoveries

Allowance for loan losses Provision (credit) 104,987 15,186 159,013 26,213

Allowance for loan losses Ending balance 230,597 85,652 230,597 85,652

Consumer and HELOC [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Allowance for loan losses Beginning balance 46,079 57,316 63,210 34,127

Allowance for loan losses Charge-offs (29,146) (29,146)

Allowance for loan losses Recoveries

Allowance for loan losses Provision (credit) 25,147 31,017 8,016 54,206

Allowance for loan losses Ending balance $ 42,080 $ 88,333 $ 42,080 $ 88,333

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Fair Value Measurements - Schedule of Estimated Fair Values of the Bank's Financial Instruments (Details) - USD ($)

Sep. 30, 2018

Dec. 31, 2017

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Financial assets: Certificates of deposit $ 846,000 $ 943,000

Investment securities: Available for sale 8,922,885 2,616,350

Investment securities: Held to maturity 8,095 9,494

Investment securities: Accrued interest receivable 557,291 476,417

Financial liabilities: Accrued interest payable 245,098 206,597

Fair Value, Inputs, Level 1 [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Financial assets: Cash and cash equivalents 5,875,416 16,478,066

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Investment securities: Available for sale 192,632 195,316

Investment securities: Held to maturity

Investment securities: Loans, net

Investment securities: Accrued interest receivable

Investment securities: FHLB stock

Financial liabilities: Deposits 43,455,419 50,730,909

Financial liabilities: FHLB advances

Financial liabilities: Accrued interest payable

Fair Value, Inputs, Level 2 [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

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Investment securities: Held to maturity 7,196 9,494

Investment securities: Loans, net

Investment securities: Accrued interest receivable 557,291 476,417

Investment securities: FHLB stock

Financial liabilities: Deposits

Financial liabilities: FHLB advances 30,933,500 25,602,500

Financial liabilities: Accrued interest payable 245,098 206,597

Fair Value, Inputs, Level 3 [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Financial assets: Cash and cash equivalents

Financial assets: Certificates of deposit

Investment securities: Available for sale

Investment securities: Held to maturity

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Investment securities: Accrued interest receivable

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Financial liabilities: FHLB advances

Financial liabilities: Accrued interest payable

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Investment securities: Held to maturity 7,196 9,494

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Financial liabilities: Accrued interest payable $ 245,098 $ 206,597

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Sep. 30, 2018

Dec. 31, 2017

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Common equity tier one risk based capital required for capital adequacy to risk weighted assets 4.50%

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Capital required for capital adequacy to risk weighted assets 8.00% 8.00%

Tier one leverage capital required for capital adequacy to average assets 4.00% 4.00%

Percentage of Tier 1 capital greater than risk weighted assets 2.50%

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Percentage of capital conservation buffer on January 1, 2019 2.50%

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Allowance for Loan Losses - Schedule of Loans on Nonaccrual Status (Details) - USD ($)

Sep. 30, 2018

Dec. 31, 2017

Financing Receivable, Past Due [Line Items]

Loans on nonaccrual status $ 3,479,786 $ 3,268,322

Mortgage Loans One-to-Four Family [Member]

Financing Receivable, Past Due [Line Items]

Loans on nonaccrual status 2,210,273 2,108,086

Mortgage Loans Commercial [Member]

Financing Receivable, Past Due [Line Items]

Loans on nonaccrual status 1,102,106 1,122,740

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Financing Receivable, Past Due [Line Items]

Loans on nonaccrual status 155,660 8,251

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Fair Value Measurements - Schedule of Assets Reported On the Balance Sheets Fair Value On Nonrecurring Basis (Details) - USD ($)

Sep. 30, 2018

Dec. 31, 2017

Fair Value, Inputs, Level 3 [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Other real estate owned $ 59,932 $ 59,932

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Other real estate owned 59,932 59,932

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Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

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Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

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Contractual maturities range in years 10 years

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Fair Value Measurements (Tables)
9 Months Ended

Sep. 30, 2018

Fair Value Disclosures [Abstract]

Schedule of Assets Reported On the Balance Sheets Fair Value On Recurring Basis

September 30, 2018 (unaudited)

Level I Level II Level III Total

Fair value measurements on a recurring basis:

Mortgage-backed securities in government-sponsored entities $ - $ 3,975,191 $ - $ 3,975,191

Obligations of state and political subdivisions - 1,488,139 - 1,488,139

Corporate bonds - 3,266,923 - 3,266,923

U.S. treasury securities 192,632 - - 192,632

Mortgage servicing rights - - 240,747 240,747

Impaired loans with reserve - - 320,959 320,959

December 31, 2017

Level I Level II Level III Total

Fair value measurements on a recurring basis:

Mortgage-backed securities in government-sponsored entities $ - $ 519,258 $ - $ 519,258

Obligations of state and political subdivisions - 1,599,878 - 1,599,878

Corporate bonds - 301,898 - 301,898

U.S. treasury securities 195,316 - - 195,316

Mortgage servicing rights - - 231,977 231,977

Impaired loans with reserve - - 112,139 112,139

Schedule of Assets Reported On the Balance Sheets Fair Value On Nonrecurring Basis

September 30, 2018 (unaudited)

Level I Level II Level III Total

Fair value measurements on a nonrecurring basis:

Other real estate owned $ - $ - $ 59,932 $ 59,932

December 31, 2017

Level I Level II Level III Total

Fair value measurements on a nonrecurring basis:

Other real estate owned $ - $ - $ 59,932 $ 59,932

Schedule of Significant Unobservable Inputs Used in the Fair Value Measurement Process

The following table provides the significant unobservable inputs used in the fair value measurement process for items valued using Level III techniques:

Fair Value at Range

September 30,
2018 Valuation Techniques Valuation
Unobservable Inputs (Weighted
Average)

(unaudited)

Other real estate owned $ 59,932 Appraised collateral values Discount for time since appraisal 10 %

(10 )%

Selling costs 10 %

(10 )%

Impaired loans with reserve 320,959 Discounted cash flows Discount for evaluation 10 %

(10 )%

Selling costs 10 %

(10 )%

Mortgage servicing rights 240,747 Discounted cash flows Loan prepayment speeds 10.44 %

(10.44 )%

Fair Value at Range

December 31,
2017 Valuation Techniques Valuation
Unobservable Inputs (Weighted
Average)

Other real estate owned $ 59,932 Appraised collateral values Discount for time since appraisal 10 %

(10 )%

Selling costs 10 %

(10 )%

Impaired loans with reserve 112,139 Discounted cash flows Discount for evaluation 10 %

(10 )%

Selling costs 10 %

(10 )%

Mortgage servicing rights 231,977 Discounted cash flows Loan prepayment speeds 8.67 %

(8.67 )%

Schedule of Estimated Fair Values of the Bank's Financial Instruments

The estimated fair values of the Company’s financial instruments are as follows:

September 30, 2018 (unaudited)

Carrying Fair

Value Value Level I Level II Level III

Financial assets:

Cash and cash equivalents $ 5,875,416 $ 5,875,416 $ 5,875,416 $ - $ -

Certificates of deposit 846,000 835,649 - 835,649 -

Investment securities:

Available for sale 8,922,885 8,922,885 192,632 8,730,253 -

Held to maturity 7,109 7,196 - 7,196 -

Loans, net 156,613,838 156,639,838 - - 156,639,838

Accrued interest receivable 557,291 557,291 - 557,291 -

FHLB Stock 2,614,900 2,614,900 - - 2,614,900

Financial liabilities:

Deposits 131,366,372 129,695,372 43,455,419 - 86,239,953

FHLB advances 31,374,500 30,933,500 - 30,933,500 -

Accrued interest payable 245,098 245,098 - 245,098 -

December 31, 2017

Carrying Fair

Value Value Level I Level II Level III

Financial assets:

Cash and cash equivalents $ 16,478,066 $ 16,478,066 $ 16,478,066 $ - $ -

Certificates of deposit 943,000 946,497 - 946,497 -

Investment securities:

Available for sale 2,616,350 2,616,350 195,316 2,421,034 -

Held to maturity 9,797 9,494 - 9,494 -

Loans, net 140,574,537 139,784,862 - - 139,784,862

Accrued interest receivable 476,417 476,417 - 476,417 -

FHLB Stock 2,162,600 2,162,600 - - 2,162,600

Financial liabilities:

Deposits 132,430,024 132,189,024 50,730,909 - 81,458,115

FHLB advances 26,416,200 25,602,500 - 25,602,500 -

Accrued interest payable 206,597 206,597 - 206,597 -

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Recent Accounting Standards (Details Narrative) - USD ($)
9 Months Ended 12 Months Ended

Sep. 30, 2018

Dec. 31, 2017

Accounts, Notes, Loans and Financing Receivable [Line Items]

Amount of reclassification for Bank

Tax Year 2017 [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Statutory federal income tax rate 34.00%

Tax Year 2018 [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Statutory federal income tax rate 21.00%

Retained Earnings [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Amount of reclassification for Bank $ 3,860

AOCI Attributable to Parent [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Amount of reclassification for Bank $ (3,860)

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Regulatory Capital Requirements
9 Months Ended

Sep. 30, 2018

Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]

Regulatory Capital Requirements

9. REGULATORY CAPITAL REQUIREMENTS

The Bank is subject to various regulatory capital requirements administered by federal and state banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions 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 measure of the Bank’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

The regulations require a minimum ratio of common equity Tier 1 capital to risk-weighted assets of 4.5%, a minimum ratio of Tier 1 capital to risk-weighted assets of 6%, a minimum total capital ratio of 8%, and a minimum leverage ratio of 4% for all banking organizations. Additionally, community banking institutions 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 and certain deductions from and adjustments to regulatory capital and risk-weighted assets are being phased in over several years. The required minimum conservation buffer was 1.875% as of January 1, 2018 and will increase to 2.5% on January 1, 2019. Management believes that the Bank’s capital levels will remain characterized as “well-capitalized” throughout the phase-in periods.

As of September 30, 2018, the most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum capital ratios as set forth in the following table. There are no conditions or events since the notification that management believes have changed the Bank’s category. Management believes that the Bank meets all capital adequacy requirements to which it is subject. The Bank’s actual capital amounts and ratios are also presented in the table below.

September 30, December 31,

2018 2017

Amount Ratio Amount Ratio

(unaudited)

Common Equity Tier 1 capital

(to risk-weighted assets)

Actual $ 20,201,636 14.16 % $ 12,135,085 9.47 %

For capital adequacy purposes 6,419,565 4.50 % 5,718,465 4.50 %

To be well capitalized 9,272,705 6.50 % 8,325,005 6.50 %

Tier 1 capital

(to risk-weighted assets)

Actual $ 20,201,636 14.16 % $ 12,135,085 9.47 %

For capital adequacy purposes 8,559,420 6.00 % 7,684,620 6.00 %

To be well capitalized 11,412,560 8.00 % 10,246,160 8.00 %

Total capital

(to risk-weighted assets)

Actual $ 21,303,236 14.93 % $ 13,176,530 10.29 %

For capital adequacy purposes 11,412,560 8.00 % 10,246,160 8.00 %

To be well capitalized 14,265,700 10.00 % 12,807,700 10.00 %

Tier 1 capital

(to average assets)

Actual $ 20,201,636 11.71 % $ 12,135,085 7.85 %

For capital adequacy purposes 6,903,532 4.00 % 6,186,160 4.00 %

To be well capitalized 8,629,416 5.00 % 7,732,700 5.00 %

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Unrealized Losses On Securities
9 Months Ended

Sep. 30, 2018

Unrealized Losses On Securities

Unrealized Losses On Securities

5. UNREALIZED LOSSES ON SECURITIES

The following tables show the Bank’s gross unrealized losses and fair value, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position:

September 30, 2018 (unaudited)

Less than Twelve Months Twelve Months or Greater Total

Gross Gross Gross

Fair Unrealized Fair Unrealized Fair Unrealized

Value Losses Value Losses Value Losses

U.S. treasury securities $ 159,530 $ (143 ) $ - $ - $ 159,530 $ (143 )

Mortgage-backed securities in government-sponsored entities 3,548,709 (33,886 ) 355,614 (12,999 ) 3,904,323 (46,885 )

Obligations of state and political subdivisions 1,046,166 (17,428 ) 393,718 (34,978 ) 1,439,884 (52,406 )

Corporate bonds 3,266,923 (31,514 ) - - 3,266,923 (31,514 )

Total $ 8,021,328 $ (82,971 ) $ 749,332 $ (47,977 ) $ 8,770,660 $ (130,948 )

December 31, 2017

Less than Twelve Months Twelve Months or Greater Total

Gross Gross Gross

Fair Unrealized Fair Unrealized Fair Unrealized

Value Losses Value Losses Value Losses

Mortgage-backed securities in government-sponsored entities $ 519,258 $ (5,615 ) $ 9,494 $ (303 ) $ 528,752 $ (5,918 )

Obligations of state and political subdivisions 1,044,275 (7,238 ) 405,521 (20,344 ) 1,449,796 (27,582 )

Corporate bonds 199,898 (453 ) - - 199,898 (453 )

Total $ 1,763,431 $ (13,306 ) $ 415,015 $ (20,647 ) $ 2,178,446 $ (33,953 )

Management reviews the Bank’s investment positions monthly. There were 24 investments that were temporarily impaired as of September 30, 2018, with aggregate depreciation of less than 2 percent of the Bank’s amortized cost basis. There were 20 investments that were temporarily impaired as of December 31, 2017, with aggregate depreciation of less than 2 percent from the Bank’s amortized cost basis. Management has asserted that at September 30, 2018 and December 31, 2017, the declines outlined in the above table represent temporary declines and the Bank does not intend to sell and does not believe it will be required to sell these securities before recovery of their cost basis, which may be at maturity.

The Bank has concluded that any impairment of its investment securities portfolio outlined in the above table is not other than temporary and the declines are the result of interest rate changes, sector credit rating changes, or company-specific rating changes that are not expected to result in the non-collection of principal and interest during the period.

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Unrealized Losses On Securities (Tables)
9 Months Ended

Sep. 30, 2018

Unrealized Losses On Securities

Schedule of Unrealized Loss on Securities

The following tables show the Bank’s gross unrealized losses and fair value, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position:

September 30, 2018 (unaudited)

Less than Twelve Months Twelve Months or Greater Total

Gross Gross Gross

Fair Unrealized Fair Unrealized Fair Unrealized

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Mortgage-backed securities in government-sponsored entities 3,548,709 (33,886 ) 355,614 (12,999 ) 3,904,323 (46,885 )

Obligations of state and political subdivisions 1,046,166 (17,428 ) 393,718 (34,978 ) 1,439,884 (52,406 )

Corporate bonds 3,266,923 (31,514 ) - - 3,266,923 (31,514 )

Total $ 8,021,328 $ (82,971 ) $ 749,332 $ (47,977 ) $ 8,770,660 $ (130,948 )

December 31, 2017

Less than Twelve Months Twelve Months or Greater Total

Gross Gross Gross

Fair Unrealized Fair Unrealized Fair Unrealized

Value Losses Value Losses Value Losses

Mortgage-backed securities in government-sponsored entities $ 519,258 $ (5,615 ) $ 9,494 $ (303 ) $ 528,752 $ (5,918 )

Obligations of state and political subdivisions 1,044,275 (7,238 ) 405,521 (20,344 ) 1,449,796 (27,582 )

Corporate bonds 199,898 (453 ) - - 199,898 (453 )

Total $ 1,763,431 $ (13,306 ) $ 415,015 $ (20,647 ) $ 2,178,446 $ (33,953 )

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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
3 Months Ended 9 Months Ended 12 Months Ended

Sep. 30, 2018

Sep. 30, 2017

Sep. 30, 2018

Sep. 30, 2017

Dec. 31, 2017

OPERATING ACTIVITIES

Net income $ 94,834 $ 122,874 $ 198,389 $ 629,566 $ 589,098

Adjustments to reconcile net income to net cash provided by operating activities:

Provision for loan losses 50,000 61,050 115,000 181,043

Provision for loss on loans held for sale

Depreciation 115,201 36,488

Net amortization of investment securities

Amortization (accretion) of security premiums and discounts 5,699 (8,584)

Origination of loans held for sale (8,134,750) (10,549,730)

Proceeds from sale of loans 8,292,303 10,821,989

Gain on sale of loans (157,553) (272,259)

Deferred income tax provision (benefit) (14,646) 39,232

Investment securities gains, net (350)

(Increase) decrease in accrued interest receivable (80,874) 45,709

Increase (decrease) in accrued interest payable 38,501 15,230

Amortization of ESOP 30,945

Increase in bank owned life insurance (53,369) (36,273)

Other, net 729,640 94,979

Net cash provided by (used in) operating activities 1,084,486 997,040

INVESTING ACTIVITIES

Purchase of certificates of deposit (248,000)

Redemption of certificates of deposit 345,000 250,000

Investment securities available for sale:

Purchases (6,651,661)

Proceeds from sales 313,643

Proceeds from principal repayments, calls, and maturities 238,688 215,862

Investment securities held to maturity:

Proceeds from principal repayments, calls, and maturities 2,688 3,398

Redemption of Federal Home Loan Bank stock 174,400 741,300

Purchase of Federal Home Loan Bank stock (626,700) (1,412,300)

Purchases of loans (9,104,155)

Increase in loans receivable, net (16,154,301) (12,214,538)

Proceeds from sale of portfolio loans 6,934,868

Proceeds from sale of other real estate owned

Purchases of premises and equipment (128,408) (2,670,421)

Net cash (used for) provided by investing activities (23,048,294) (16,942,343)

FINANCING ACTIVITIES

(Decrease) increase in deposits, net (1,063,652) 9,549,204

Decrease in advances by borrowers for taxes and insurance (370,707) (571,503)

Net proceeds from stock offering 8,718,527

Purchase of ESOP shares (881,310)

Repayment of Federal Home Loan Bank advance (9,291,700) (2,000,000)

Proceeds from Federal Home Loan Bank advances 14,250,000 9,291,700

Increase in prepaid reorganization and stock issuance costs (837,944)

Net cash provided by (used in) financing activities 11,361,158 15,431,457

Increase (decrease) in cash and cash equivalents (10,602,650) (513,846)

CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD 16,478,066 6,831,479 6,831,479

CASH AND CASH EQUIVALENTS AT END OF PERIOD $ 5,875,416 $ 6,317,633 5,875,416 6,317,633 $ 16,478,066

Cash paid during the year for:

Interest 2,000,103 1,666,827

Income taxes $ 101,562 $ 462,019

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9 Months Ended

Sep. 30, 2018

Equity [Abstract]

Accumulated Other Comprehensive Income (Loss)

13. ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

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Net Unrealized Gain (Loss)

on Securities

Three months ended September 30,

2018 2017

(unaudited)

Accumulated other comprehensive income (loss), beginning of period $ (46,722 ) $ (12,607 )

Other comprehensive income (loss) on securities before reclassification, net of tax (56,031 ) 652

Amounts reclassified from accumulated other comprehensive income (loss), net of tax - -

Net other comprehensive income (loss) (56,031 ) 652

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Net Unrealized Gain (Loss)

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2018 2017

(unaudited)

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Net other comprehensive income (loss) (79,267 ) 35,433

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9 Months Ended

Sep. 30, 2018

Commitments and Contingencies Disclosure [Abstract]

Schedule of Off-Balance Sheet Commitments

Off-balance sheet commitments consist of the following:

September 30,

2018

(unaudited)

Commitments to extend credit $ 1,804,500

Construction unadvanced funds 3,835,392

Unused lines of credit 7,401,838

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Consolidated Statements of Net Income (Unaudited) - USD ($)
3 Months Ended 9 Months Ended

Sep. 30, 2018

Sep. 30, 2017

Sep. 30, 2018

Sep. 30, 2017

INTEREST INCOME

Loans, including fees $ 1,683,360 $ 1,525,013 $ 4,771,307 $ 4,554,854

Interest-bearing deposits with other financial institutions 25,985 17,738 59,892 35,193

Certificates of deposit 3,801 4,780 11,295 18,799

Investment securities:

Taxable 66,977 27,578 153,804 77,084

Exempt from federal income tax 8,202 8,652 25,081 28,081

Total interest income 1,788,325 1,583,761 5,021,379 4,714,011

INTEREST EXPENSE

Deposits 578,042 444,654 1,551,743 1,281,868

Federal Home Loan Bank advances 177,220 140,062 486,861 400,191

Total interest expense 755,262 584,716 2,038,604 1,682,059

NET INTEREST INCOME 1,033,063 999,045 2,982,775 3,031,952

Provision for loan losses 50,000 61,050 115,000 181,043

NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 983,063 937,995 2,867,775 2,850,909

NONINTEREST INCOME

Securities gains, net 350

Provision for loss on loans held for sale

Gain on sale of loans 62,873 82,552 157,552 272,259

Loan servicing fees 35,047 27,802 103,876 67,057

Earnings on bank-owned life insurance 18,110 12,338 53,368 36,273

Other 18,632 7,266 46,327 18,307

Total noninterest income 134,662 129,958 361,123 394,246

NONINTEREST EXPENSE

Salaries and employee benefits 458,104 433,990 1,285,699 1,144,645

Occupancy 93,123 67,082 280,232 187,631

Professional fees 144,514 152,307 557,113 272,901

Federal deposit insurance 41,000 25,500 129,500 87,500

Data processing 93,487 71,980 243,573 209,710

Director fees 41,153 20,938 111,441 58,478

Contributions and donations 23,027 12,980 55,877 40,381

Other 110,114 99,542 347,937 267,476

Total noninterest expense 1,004,522 884,319 3,011,372 2,268,722

Income before income taxes 113,203 183,634 217,526 976,433

Provision for income taxes 18,369 60,760 19,137 346,867

NET INCOME $ 94,834 $ 122,874 $ 198,389 $ 629,566

EARNINGS PER COMMON SHARE

Basic $ 0.04

Diluted $ 0.04

AVERAGE COMMON SHARES OUTSTANDING

Basic 2,162,873

Diluted 2,162,873

DIVIDENDS DECLARED PER COMMON SHARE

COMPREHENSIVE INCOME $ 38,803 $ 123,526 $ 119,122 $ 664,999

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Earnings Per Share - Schedule of Computation of Earnings Per Share (Details) - USD ($)
3 Months Ended 9 Months Ended 12 Months Ended

Sep. 30, 2018

Sep. 30, 2017

Sep. 30, 2018

Sep. 30, 2017

Dec. 31, 2017

EARNINGS PER COMMON SHARE

Net Income $ 94,834 $ 122,874 $ 198,389 $ 629,566 $ 589,098

Average shares outstanding 2,248,250

Less: Average unearned ESOP shares 85,377

Total shares outstanding for basic EPS: 2,162,873

Additional dilutive shares

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Allowance for Loan Losses - Schedule of Impaired Loans by Class (Details) - USD ($)

Sep. 30, 2018

Dec. 31, 2017

Financing Receivable, Impaired [Line Items]

Recorded Investment $ 4,438,806 $ 3,668,894

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Loans - Schedule of Loan Portfolio by Category (Details) - USD ($)

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Jun. 30, 2018

Dec. 31, 2017

Sep. 30, 2017

Jun. 30, 2017

Dec. 31, 2016

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Allowance for loan losses (1,101,600) $ (1,090,016) (1,041,445) $ (1,001,782) $ (940,732) $ (820,739)

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Mortgage Loans [Member]

Loans and Leases Receivable Disclosure [Line Items]

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Commercial and Industrial [Member]

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Loans, Gross 18,118,214 11,455,554

Allowance for loan losses (230,597) $ (134,880) (80,854) $ (85,652) $ (70,466) $ (59,439)

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Loans and Leases Receivable Disclosure [Line Items]

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Consolidated Statements of Comprehensive Income (Unaudited) - USD ($)
3 Months Ended 9 Months Ended

Sep. 30, 2018

Sep. 30, 2017

Sep. 30, 2018

Sep. 30, 2017

Statement of Comprehensive Income [Abstract]

Net income $ 94,834 $ 122,874 $ 198,389 $ 629,566

Other comprehensive income (loss):

Net change in unrealized gain (loss) on available-for-sale securities (70,926) 988 (100,739) 53,686

Income tax effect 14,895 (336) 21,472 (18,022)

Reclassification adjustment for net securities (gains) losses recognized in income (350)

Income tax effect included in provision for income taxes 119

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Regulatory Capital Requirements (Tables)
9 Months Ended

Sep. 30, 2018

Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]

Schedule of Bank's Actual Capital Amounts and Ratios

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

September 30, December 31,

2018 2017

Amount Ratio Amount Ratio

(unaudited)

Common Equity Tier 1 capital

(to risk-weighted assets)

Actual $ 20,201,636 14.16 % $ 12,135,085 9.47 %

For capital adequacy purposes 6,419,565 4.50 % 5,718,465 4.50 %

To be well capitalized 9,272,705 6.50 % 8,325,005 6.50 %

Tier 1 capital

(to risk-weighted assets)

Actual $ 20,201,636 14.16 % $ 12,135,085 9.47 %

For capital adequacy purposes 8,559,420 6.00 % 7,684,620 6.00 %

To be well capitalized 11,412,560 8.00 % 10,246,160 8.00 %

Total capital

(to risk-weighted assets)

Actual $ 21,303,236 14.93 % $ 13,176,530 10.29 %

For capital adequacy purposes 11,412,560 8.00 % 10,246,160 8.00 %

To be well capitalized 14,265,700 10.00 % 12,807,700 10.00 %

Tier 1 capital

(to average assets)

Actual $ 20,201,636 11.71 % $ 12,135,085 7.85 %

For capital adequacy purposes 6,903,532 4.00 % 6,186,160 4.00 %

To be well capitalized 8,629,416 5.00 % 7,732,700 5.00 %

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Document and Entity Information - shares
9 Months Ended

Sep. 30, 2018

Nov. 13, 2018

Document And Entity Information

Entity Registrant Name SSB Bancorp, Inc.

Entity Central Index Key 0001716188

Document Type 10-Q/A

Document Period End Date Sep. 30, 2018

Amendment Flag true

Amendment Description The purpose of this amendment on Form 10-Q/A to the Quarterly Report on Form 10-Q of SSB Bancorp, Inc. (the "Company") for the period ended September 30, 2018 is to restate the Company's consolidated financial statements for the three- and nine-month periods ended September 30, 2018, and as of September 30, 2018, and related disclosures. Additional information about the decision to restate these financial statements can be found in our Current Report on Form 8-K, filed with the SEC on August 13, 2019. This Form 10-Q/A does not modify or update other disclosures presented in the original report on Form 10-Q, except as required to reflect the effects of the restatement. The Form 10-Q/A does not reflect events occurring after the filing of the Form 10-Q or modify or update those disclosures, including the exhibits to the Form 10-Q affected by subsequent events. Information not affected by the restatement is unchanged and reflects the disclosures made at the time of the original filing of the Form 10-Q on November 13, 2018. Accordingly, this Form 10-Q/A should be read in conjunction with the Company's filings made with the Securities and Exchange Commission subsequent to the filing of the original Form 10-Q, including any amendments to those filings. The following items have been amended as a result of the restatement: Part I - Item 1 - Financial Statements Part I - Item 2 - Management's Discussion and Analysis of Financial Condition and Results of Operations Description of Restatement During the 4th quarter of 2018, the Company identified and corrected an error related to its accounting treatment of accrued interest on investor sold loans and loan participations affecting the 2nd and 3rd quarters of 2018. Prior period accrued interest receivable accounts were overstated for the three- and six-month periods ended June 30, 2018, and at June 30, 2018, as well as the three- and nine- months ended September 30, 2018, and at September 30, 2018. The Company was able to identify the sources of the issues and it resulted in the Company correcting interest income and the provision for income taxes for the 2nd and 3rd quarters of 2018. On the corresponding balance sheet, the Company's accrued interest receivable was overstated and income taxes receivable was understated. The net effect was an overstatement of total assets and total liabilities and stockholders' equity at June 30, 2018 and September 30, 2018. As a result of the above items, the cumulative effect of the restatement through the third quarter of 2018 was a decrease in accrued interest receivable of $335,000, an increase in tax receivable of $83,000, and a decrease in retained earnings of $252,000. Consequently, for the three-month period ended September 30, 2018, the restatement shows a decrease in interest income on loans of $134,000, a decrease in the provision for income taxes of $40,000, and a decrease in net income of $95,000. For the nine-month period ending September 30, 2018, the restatement shows a decrease in interest income on loans of $335,000, a decrease in the provision for income taxes of $83,000, and a decrease in net income of $252,000.

Current Fiscal Year End Date --12-31

Entity's Reporting Status Current Yes

Entity Interactive Data Current Yes

Entity Filer Category Non-accelerated Filer

Entity Small Business Flag true

Entity Emerging Growth Company true

Entity Ex Transition Period false

Entity Shell Company false

Entity Common Stock, Shares Outstanding 2,248,250

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Nature of Operations and Basis of Presentation
9 Months Ended

Sep. 30, 2018

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Nature of Operations and Basis of Presentation

1. NATURE OF OPERATIONS AND BASIS OF PRESENTATION

SSB Bancorp, Inc.

SSB Bancorp, Inc. (the “Company”) was incorporated on August 17, 2017 to serve as the subsidiary stock holding company for SSB Bank upon the reorganization of SSB Bank into a mutual holding company structure (the “Reorganization”). The Reorganization was completed effective January 24, 2018, with SSB Bank becoming the wholly-owned subsidiary of SSB Bancorp, Inc., and SSB Bancorp, Inc. becoming the majority-owned subsidiary of SSB Bancorp, MHC. In connection with the Reorganization, the Company sold 1,011,712 shares of common stock at an offering price of $10 per share. The Company’s stock began being quoted for listing on the OTC Bulletin Board on January 25, 2018, under the symbol “SSBP”. Also, in connection with the Reorganization, the Bank established an employee stock ownership plan (the “ESOP”), which purchased 88,131 shares of the Company’s common stock at a price of $10 per share. In the Reorganization, the Company also issued 1,236,538 shares of its common stock to SSB Bancorp, MHC.

SSB Bank

SSB Bank (the “Bank”) provides a variety of financial services to individuals and corporate customers through its offices in Pittsburgh, Pennsylvania. The Bank’s primary deposit products are passbook savings accounts, money market accounts, and certificates of deposit. Its primary lending products are commercial mortgage loan and single-family residential loans. The Bank is subject to regulation and supervision by the Federal Deposit Insurance Corporation (FDIC) and the Pennsylvania Department of Banking and Securities.

The interim financial statements at September 30, 2018, and for the three and nine months ended September 30, 2018 and 2017, are unaudited and reflect all normal recurring adjustments that are, in the opinion of management, necessary for a fair presentation of the results for the interim periods presented. Such adjustments are the only adjustments reflected in the accompanying interim financial statements. The results of operations for the three or nine months ended September 30, 2018, are not necessarily indicative of the results to be achieved for the remainder of the year ending December 31, 2018, or any other period. The financial statements at December 31, 2017, are audited.

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 Balance Sheet and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.

For further information, refer to the financial statements and accompanying notes included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2017.

The consolidated financial statements include the accounts of SSB Bancorp, Inc. and SSB Bank. All significant intercompany accounts and transactions have been eliminated in consolidation.

Financial information for the periods before the Reorganization on January 24, 2018 is that of SSB Bank only.

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Securities Held to Maturity (Tables)
9 Months Ended

Sep. 30, 2018

Discount For Evaluation [Member]

Schedule of Securities Held to Maturity

The amortized cost, gross unrealized gains and losses, and fair values of securities held to maturity are as follows:

September 30, 2018 (unaudited)

Gross Gross

Amortized Unrealized Unrealized Fair

Cost Gains Losses Value

Mortgage-backed securities in government-sponsored entities $ 7,109 $ 87 $ - $ 7,196

Total $ 7,109 $ 87 $ - $ 7,196

December 31, 2017

Gross Gross

Amortized Unrealized Unrealized Fair

Cost Gains Losses Value

Mortgage-backed securities in government-sponsored entities $ 9,797 $ - $ (303 ) $ 9,494

Total $ 9,797 $ - $ (303 ) $ 9,494

Schedule of Contractual Maturities

September 30, 2018 (unaudited)

Amortized Fair

Cost Value

Due within one year or less $ 30 $ 30

Due after one year through five years 5,545 5,585

Due after five years through ten years 1,534 1,581

Total $ 7,109 $ 7,196

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Fair Value of Financial Instruments
9 Months Ended

Sep. 30, 2018

Investments, All Other Investments [Abstract]

Fair Value of Financial Instruments

12. FAIR VALUE OF FINANCIAL INSTRUMENTS

If no readily available market exists, the fair value estimates for financial instruments should be based upon management’s judgment regarding current economic conditions, interest rate risk, expected cash flows, future estimated losses, and other factors as determined through various option pricing formulas or simulation modeling. Since many of these assumptions result from judgments made by management based upon estimates which are inherently uncertain, the resulting estimated fair values may not be indicative of the amount realizable in the sale of a particular financial instrument. In addition, changes in the assumptions on which the estimated fair values are based may have a significant impact on the resulting estimated fair values.

Since certain assets, such as deferred tax assets and premises and equipment, are not considered financial instruments, the estimated fair value of financial instruments would not represent the full value of the Bank.

Cash and Cash Equivalents, Accrued Interest Receivable, FHLB Stock, and Accrued Interest Payable

The fair value is equal to the current carrying value.

Certificates of Deposit

The fair values of certificates of deposit are based on the discounted value of contractual cash flows. The discount rates are estimated using rates currently offered for similar instruments with similar remaining maturities.

Securities

Fair values for securities are determined by obtaining quoted prices on nationally recognized securities exchanges or matrix pricing, which is a mathematical technique that is widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark-quoted securities. Fair values of securities determined by quoted prices in active markets, when available, are classified as Level I.

Loans, Net

The fair value is estimated by discounting future cash flows using current market inputs at which loans with similar terms and qualities would be made to borrowers of similar credit quality. Certain collateral dependent impaired loans have been adjusted to fair value based on the loan’s collateral. Fair value is generally determined based upon independent third-party appraisals of the properties, along with management’s assumptions in various factors, such as selling costs and discounts for time since last appraised.

FHLB Advances

The fair value of FHLB advances is based on the discounted value of contractual cash flows. The discount rates are estimated using rates currently offered for similar instruments with similar remaining maturities.

Deposits

The fair values of certificates of deposit are based on the discounted value of contractual cash flows. The discount rates are estimated using rates currently offered for similar instruments with similar remaining maturities. Demand, savings, and money market deposit accounts are valued at the amount payable on demand as of the period end.

Commitments

These financial instruments are generally not subject to sale, and estimated fair values are not readily available. The carrying value, represented by the net deferred fee arising from the unrecognized commitment, and the fair value, determined by discounting the remaining contractual fee over the term of the commitment using fees currently charged to enter into similar agreements with similar credit risk, are not considered material for disclosure. The contractual amounts of unfunded commitments are presented in Note 10.

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Accumulated Other Comprehensive Income (Loss) - Schedule of Changes in Accumulated Other Comprehensive Income (Loss) (Details) - USD ($)
3 Months Ended 9 Months Ended 12 Months Ended

Sep. 30, 2018

Sep. 30, 2017

Sep. 30, 2018

Sep. 30, 2017

Dec. 31, 2017

Accumulated Other Comprehensive Income (Loss) [Line Items]

Accumulated other comprehensive income (loss), beginning of period $ (23,487)

Net other comprehensive income (loss) $ (56,031) $ 652 (79,267) $ 35,433 $ 27,761

Accumulated other comprehensive income (loss), end of period (102,754) (102,754) (23,487)

Net Unrealized Gain (Loss) on Securities [Member]

Accumulated Other Comprehensive Income (Loss) [Line Items]

Accumulated other comprehensive income (loss), beginning of period (46,722) (12,607) (23,487) (47,388) (47,388)

Other comprehensive income (loss) on securities before reclassification, net of tax (56,031) 652 (79,267) 35,664

Amounts reclassified from accumulated other comprehensive income (loss), net of tax (231)

Net other comprehensive income (loss) (56,031) 652 (79,267) 35,433

Accumulated other comprehensive income (loss), end of period $ (102,753) $ (11,955) $ (102,753) $ (11,955) $ (23,487)

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Dec. 31, 2017

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Maximum [Member]

Threshold limit of aggregate depreciation 2.00% 2.00%

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Troubled debt restructurings modification balance

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Sep. 30, 2018

Sep. 30, 2017

Sep. 30, 2018

Sep. 30, 2017

Financing Receivable, Impaired [Line Items]

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Financing Receivable, Impaired [Line Items]

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Sep. 30, 2018

Dec. 31, 2017

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Securities available for sale 192,632 195,316

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90 Days or Greater Still Accruing

30 to 59 Days Past Due [Member]

Financing Receivable, Past Due [Line Items]

Total Past Due 1,028,606 1,941,253

30 to 59 Days Past Due [Member] | Mortgage Loans One-to-Four Family [Member]

Financing Receivable, Past Due [Line Items]

Total Past Due 223,534 982,168

30 to 59 Days Past Due [Member] | Mortgage Loans Commercial [Member]

Financing Receivable, Past Due [Line Items]

Total Past Due 794,525 656,640

30 to 59 Days Past Due [Member] | Commercial and Industrial [Member]

Financing Receivable, Past Due [Line Items]

Total Past Due 301,783

30 to 59 Days Past Due [Member] | Consumer and HELOC [Member]

Financing Receivable, Past Due [Line Items]

Total Past Due 10,547 662

60 to 89 Days Past Due [Member]

Financing Receivable, Past Due [Line Items]

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60 to 89 Days Past Due [Member] | Mortgage Loans One-to-Four Family [Member]

Financing Receivable, Past Due [Line Items]

Total Past Due 294,661 399,992

60 to 89 Days Past Due [Member] | Mortgage Loans Commercial [Member]

Financing Receivable, Past Due [Line Items]

Total Past Due

60 to 89 Days Past Due [Member] | Commercial and Industrial [Member]

Financing Receivable, Past Due [Line Items]

Total Past Due

60 to 89 Days Past Due [Member] | Consumer and HELOC [Member]

Financing Receivable, Past Due [Line Items]

Total Past Due 14,386

90 Days or Greater Past Due [Member]

Financing Receivable, Past Due [Line Items]

Total Past Due 2,847,625 3,060,352

90 Days or Greater Past Due [Member] | Mortgage Loans One-to-Four Family [Member]

Financing Receivable, Past Due [Line Items]

Total Past Due 1,636,601 1,900,116

90 Days or Greater Past Due [Member] | Mortgage Loans Commercial [Member]

Financing Receivable, Past Due [Line Items]

Total Past Due 1,054,164 1,122,740

90 Days or Greater Past Due [Member] | Commercial and Industrial [Member]

Financing Receivable, Past Due [Line Items]

Total Past Due 155,660 8,251

90 Days or Greater Past Due [Member] | Consumer and HELOC [Member]

Financing Receivable, Past Due [Line Items]

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Accumulated Other Comprehensive Income (Loss) (Tables)
9 Months Ended

Sep. 30, 2018

Equity [Abstract]

Schedule of Changes in Accumulated Other Comprehensive Income (Loss)

The following table presents the changes in accumulated other comprehensive income (loss) by component, net of tax:

Net Unrealized Gain (Loss)

on Securities

Three months ended September 30,

2018 2017

(unaudited)

Accumulated other comprehensive income (loss), beginning of period $ (46,722 ) $ (12,607 )

Other comprehensive income (loss) on securities before reclassification, net of tax (56,031 ) 652

Amounts reclassified from accumulated other comprehensive income (loss), net of tax - -

Net other comprehensive income (loss) (56,031 ) 652

Accumulated other comprehensive income (loss), end of period $ (102,753 ) $ (11,955 )

Net Unrealized Gain (Loss)

on Securities

Nine months ended September 30,

2018 2017

(unaudited)

Accumulated other comprehensive income (loss), beginning of period $ (23,487 ) $ (47,388 )

Other comprehensive income (loss) on securities before reclassification, net of tax (79,267 ) 35,664

Amounts reclassified from accumulated other comprehensive income (loss), net of tax - (231 )

Net other comprehensive income (loss) (79,267 ) 35,433

Accumulated other comprehensive income (loss), end of period $ (102,754 ) $ (11,955 )

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Securities Available for Sale (Details Narrative)
9 Months Ended

Sep. 30, 2018

USD ($)

Sep. 30, 2017

USD ($)

Integer

Debt Securities, Available-for-sale [Line Items]

Debt Securities Available For Sale Number Of Positions | Integer 2

Available-for-sale Securities, Amortized Cost Basis $ 315,811

Associated gain on sale of securities available for sale 350

Proceeds from sale of securities $ 313,643

Minimum [Member] | Mortgage-backed Securities in Government-Sponsored Entities [Member]

Debt Securities, Available-for-sale [Line Items]

Contractual maturities range in years 1 year

Maximum [Member] | Mortgage-backed Securities in Government-Sponsored Entities [Member]

Debt Securities, Available-for-sale [Line Items]

Contractual maturities range in years 25 years

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Securities Held to Maturity - Schedule of Securities Held to Maturity (Details) - USD ($)

Sep. 30, 2018

Dec. 31, 2017

Schedule of Held-to-maturity Securities [Line Items]

Amortized Cost $ 7,109 $ 9,797

Gross Unrealized Gains 87

Gross Unrealized Losses (303)

Fair Value 8,095 9,494

Mortgage-backed Securities in Government-Sponsored Entities [Member]

Schedule of Held-to-maturity Securities [Line Items]

Amortized Cost 7,109 9,797

Gross Unrealized Gains 87

Gross Unrealized Losses (303)

Fair Value $ 7,196 $ 9,494

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Employee Stock Ownership Plan
9 Months Ended

Sep. 30, 2018

Employee Stock Ownership Plan (ESOP), Shares in ESOP [Abstract]

Employee Stock Ownership Plan

8. EMPLOYEE STOCK OWNERSHIP PLAN

The Bank established a tax qualified Employee Stock Ownership Plan (“ESOP”) for the benefit of its employees in conjunction with the Reorganization effective on January 24, 2018. Eligible employees become 20% vested in their accounts after two years of service, 40% after three years of service, 60% after four years of service, 80% after five years of service and 100% after six years of service, or earlier, upon death, disability or attainment of normal retirement age.

The ESOP purchased 88,131 shares of Company common stock, which was funded by a loan from the Company. Unreleased ESOP shares collateralize the loan payable, and the cost of the shares is recorded as a contra-equity account in the stockholders’ equity of the Company. Shares are to be released as debt payments are made by the ESOP to the loan. The ESOP’s sources of repayment of the loan can include dividends, if any, on the unallocated stock held by the ESOP and discretionary contributions from the Company to the ESOP and earnings thereon.

Compensation expense is equal to the fair value of the shares committed to be released and unallocated ESOP shares are excluded from outstanding shares for purposes of computing earnings per share. During the three months ended September 30, 2018, the Company recognized $10,322 in compensation expense and during the nine months ended September 30, 2018, the Company recognized $30,945 in compensation expense.

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Securities Held to Maturity
9 Months Ended

Sep. 30, 2018

Discount For Evaluation [Member]

Securities Held to Maturity

4. SECURITIES HELD TO MATURITY

The amortized cost, gross unrealized gains and losses, and fair values of securities held to maturity are as follows:

September 30, 2018 (unaudited)

Gross Gross

Amortized Unrealized Unrealized Fair

Cost Gains Losses Value

Mortgage-backed securities in government-sponsored entities $ 7,109 $ 87 $ - $ 7,196

Total $ 7,109 $ 87 $ - $ 7,196

December 31, 2017

Gross Gross

Amortized Unrealized Unrealized Fair

Cost Gains Losses Value

Mortgage-backed securities in government-sponsored entities $ 9,797 $ - $ (303 ) $ 9,494

Total $ 9,797 $ - $ (303 ) $ 9,494

The amortized cost and fair value of mortgage-backed securities by contractual maturity are shown below. Mortgage-backed securities provide for periodic payments of principal and interest and have contractual maturities ranging up to 10 years. Due to expected repayment terms being less than the underlying mortgage pool contractual maturities, estimated lives of these securities could be significantly shorter.

September 30, 2018 (unaudited)

Amortized Fair

Cost Value

Due within one year or less $ 30 $ 30

Due after one year through five years 5,545 5,585

Due after five years through ten years 1,534 1,581

Total $ 7,109 $ 7,196

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Regulatory Capital Requirements - Schedule of Bank's Actual Capital Amounts and Ratios (Details) - USD ($)	Sep. 30, 2018	Dec. 31, 2017
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Common equity Tier 1 capital (to risk-weighted assets), Actual Amount	$ 20,201,636	$ 12,135,085
Common equity Tier 1 capital (to risk-weighted assets), Actual Ratio	14.16%	9.47%
Common equity Tier 1 capital (to risk-weighted assets), For capital adequacy purposes Amount	$ 6,419,565	$ 5,718,465
Common equity Tier 1 capital (to risk-weighted assets), For capital adequacy purposes Ratio	4.50%	4.50%
Common equity Tier 1 capital (to risk-weighted assets), To be well capitalized Amount	$ 9,272,705	$ 8,325,005
Common equity Tier 1 capital (to risk-weighted assets), To be well capitalized Ratio	6.50%	6.50%
Tier 1 capital (to risk-weighted assets), Actual Amount	$ 20,201,636	$ 12,135,085
Tier 1 capital (to risk-weighted assets), Actual Ratio	14.16%	9.47%
Tier 1 capital (to risk-weighted assets), For capital adequacy purposes Amount	$ 8,559,420	$ 7,684,620
Tier 1 capital (to risk-weighted assets), For capital adequacy purposes Ratio	6.00%	6.00%
Tier 1 capital (to risk-weighted assets), To be well capitalized Amount	$ 11,412,560	$ 10,246,160
Tier 1 capital (to risk-weighted assets), To be well capitalized Ratio	8.00%	8.00%
Total capital (to risk-weighted assets), Actual Amount	$ 21,303,236	$ 13,176,530
Total capital (to risk-weighted assets), Actual Ratio	14.93%	10.29%
Total capital (to risk-weighted assets), For capital adequacy purposes Amount	$ 11,412,560	$ 10,246,160
Total capital (to risk-weighted assets), For capital adequacy purposes Ratio	8.00%	8.00%
Total capital (to risk-weighted assets), To be well capitalized Amount	$ 14,265,700	$ 12,807,700
Total capital (to risk-weighted assets), To be well capitalized Ratio	10.00%	10.00%
Tier 1 capital (to average assets), Actual Amount	$ 20,201,636	$ 12,135,085
Tier 1 capital (to average assets), Actual Ratio	11.71%	7.85%
Tier 1 capital (to average assets), For capital adequacy purposes Amount	$ 6,903,532	$ 6,186,160
Tier 1 capital (to average assets), For capital adequacy purposes Ratio	4.00%	4.00%
Tier 1 capital (to average assets), To be well capitalized Amount	$ 8,629,416	$ 7,732,700
Tier 1 capital (to average assets), To be well capitalized Ratio	5.00%	5.00%

Allowance for Loan Losses - Schedule of Risk Category of Loans (Details) - USD ($)	Sep. 30, 2018	Dec. 31, 2017
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans Receivable	$ 157,616,411	$ 141,450,096
Mortgage Commercial [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans Receivable	58,702,797	50,122,058
Mortgage Commercial [Member] \| Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans Receivable	56,971,390	48,764,928
Mortgage Commercial [Member] \| Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans Receivable		234,390
Mortgage Commercial [Member] \| Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans Receivable	1,731,407	1,122,740
Commercial and Industrial [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans Receivable	18,118,214	11,455,554
Commercial and Industrial [Member] \| Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans Receivable	13,980,085	11,434,756
Commercial and Industrial [Member] \| Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans Receivable	3,982,469	20,798
Commercial and Industrial [Member] \| Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans Receivable	$ 155,660

Nature of Operations and Basis of Presentation (Details Narrative) - $ / shares		1 Months Ended	9 Months Ended
	Jan. 24, 2018	Jan. 24, 2018	Sep. 30, 2018
Nature Of Operations And Basis Of Presentation [Line Items]
Number of common stock share issued			2,248,250
Number of shares purchase for employee stock ownership program			88,131
Plan Of Mutual Holding Company Reorganization And Minority Stock Issuance [Member]
Nature Of Operations And Basis Of Presentation [Line Items]
Number of common stock share issued		1,011,712
Stock price per share	$ 10	$ 10
Plan Of Mutual Holding Company Reorganization And Minority Stock Issuance [Member] \| Employee Stock Option [Member]
Nature Of Operations And Basis Of Presentation [Line Items]
Stock price per share	$ 10	$ 10
Number of shares purchase for employee stock ownership program		88,131
Plan Of Mutual Holding Company Reorganization And Minority Stock Issuance [Member] \| Subsidiaries [Member]
Nature Of Operations And Basis Of Presentation [Line Items]
Number of common stock share issued	1,236,538

Securities Available for Sale - Schedule of Contractual Maturities (Details) - USD ($)	Sep. 30, 2018	Dec. 31, 2017
Investments, Debt and Equity Securities [Abstract]
Amortized Cost: Due within one year or less	$ 392,831
Amortized Cost: Due after one year through five years	2,687,988
Amortized Cost: Due after five years through ten years	2,021,327
Amortized Cost: Due after ten years	3,951,208
Amortized Cost: Total	9,053,354	$ 2,646,080
Fair Value: Due within one year or less	392,013
Fair Value: Due after one year through five years	2,657,569
Fair Value: Due after five years through ten years	1,968,980
Fair Value: Due after ten years	3,904,323
Fair Value: Total	$ 8,922,885	$ 2,616,350

Commitments - Schedule of Off-Balance Sheet Commitments (Details)	Sep. 30, 2018 USD ($)
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments	$ 13,041,730
Commitments to Extend Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments	1,804,500
Construction Unadvanced Funds [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments	3,835,392
Unused Lines of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments	$ 7,401,838

Securities Available for Sale - Schedule of Securities Available for Sale (Details) - USD ($)	Sep. 30, 2018	Dec. 31, 2017
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 9,053,354	$ 2,646,080
Gross Unrealized Gains	479	3,920
Gross Unrealized Losses	(130,948)	(33,650)
Available for sale	8,922,885	2,616,350
Mortgage-backed Securities in Government-Sponsored Entities [Member]
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	4,021,797	524,873
Gross Unrealized Gains	279
Gross Unrealized Losses	(46,885)	(5,615)
Available for sale	3,975,191	519,258
Obligations of State and Political Subdivisions [Member]
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	1,540,374	1,626,608
Gross Unrealized Gains	171	852
Gross Unrealized Losses	(52,406)	(27,582)
Available for sale	1,488,139	1,599,878
Corporate Bonds [Member]
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	3,298,437	300,952
Gross Unrealized Gains		1,399
Gross Unrealized Losses	(31,514)	(453)
Available for sale	3,266,923	301,898
U.S. Treasury Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	192,746	193,647
Gross Unrealized Gains	29	1,669
Gross Unrealized Losses	(143)
Available for sale	$ 192,632	$ 195,316

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) - USD ($)	Common Stock [Member]	Paid-In Capital [Member]	Retained Earnings [Member]	Unearned Employee Stock Ownership Plan [Member]	AOCI Attributable to Parent [Member]	Total
Balance at Dec. 31, 2016			$ 11,542,127		$ (47,388)	$ 11,494,739
Reclassification of certain income tax effects from accumulated other comprehensive loss			3,860		(3,860)
Net income			589,098			589,098
Other comprehensive income					27,761	27,761
Net proceeds from stock offering (2,248,250 shares issued)
Purchase of ESOP shares (88,131 shares purchased)
Amortization of ESOP
Balance at Dec. 31, 2017			12,135,085		(23,487)	12,111,598
Reclassification of certain income tax effects from accumulated other comprehensive loss
Net income			198,389			198,389
Other comprehensive income					(79,267)	(79,267)
Net proceeds from stock offering (2,248,250 shares issued)	22,483	8,696,044				8,718,527
Purchase of ESOP shares (88,131 shares purchased)				(881,310)		(881,310)
Amortization of ESOP		(2,104)		33,049		30,945
Balance at Sep. 30, 2018	$ 22,483	$ 8,693,940	$ 12,333,474	$ (848,261)	$ (102,754)	$ 20,098,882

Consolidated Balance Sheets - USD ($)	Sep. 30, 2018	Dec. 31, 2017
ASSETS
Cash and due from banks	$ 2,312,211	$ 2,558,134
Interest-bearing deposits with other financial institutions	3,563,205	13,919,932
Cash and cash equivalents	5,875,416	16,478,066
Certificates of deposit	846,000	943,000
Securities available for sale	8,922,885	2,616,350
Securities held to maturity (fair value of $8,095, and $9,494, respectively)	7,109	9,797
Loans	157,715,438	141,615,982
Allowance for loan losses	(1,101,600)	(1,041,445)
Net loans	156,613,838	140,574,537
Accrued interest receivable	557,291	476,417
Federal Home Loan Bank stock, at cost	2,614,900	2,162,600
Premises and equipment, net	4,371,213	4,358,006
Bank-owned life insurance	2,411,888	2,358,519
Deferred tax asset, net	320,101	328,169
Prepaid reorganization and stock issuance costs		837,944
Other assets	976,873	762,086
TOTAL ASSETS	183,517,514	171,905,491
Deposits:
Noninterest-bearing demand	491,252	440,871
Interest-bearing demand	14,098,425	23,167,923
Money market	15,113,363	14,597,811
Savings	13,752,379	12,524,304
Time	87,910,953	81,699,115
Total deposits	131,366,372	132,430,024
Federal Home Loan Bank advances	31,374,500	26,416,200
Advances by borrowers for taxes and insurance	317,744	688,451
Accrued interest payable	245,098	206,597
Other liabilities	114,918	52,621
TOTAL LIABILITIES	163,418,632	159,793,893
STOCKHOLDERS' EQUITY
Preferred Stock: $0.01 par value per share: 5,000,000 shares authorized and no shares issued or outstanding
Common Stock: 20,000,000 shares authorized and 2,248,250 shares issued and outstanding at $0.01 par value	22,483
Paid-in capital	8,693,940
Retained earnings	12,333,474	12,135,085
Unearned Employee Stock Ownership Plan (ESOP)	(848,261)
Accumulated other comprehensive loss	(102,754)	(23,487)
TOTAL NET STOCKHOLDERS' EQUITY	20,098,882	12,111,598
TOTAL LIABILITIES AND STOCKHOLERS' EQUITY	$ 183,517,514	$ 171,905,491

Unrealized Losses On Securities - Schedule of Unrealized Loss on Securities (Details) - USD ($)	9 Months Ended	12 Months Ended
	Sep. 30, 2018	Dec. 31, 2017
Schedule Of Investment Securities [Line Items]
Less than Twelve Months, Fair Value	$ 8,021,328	$ 1,763,431
Less Than Twelve Months, Gross Unrealized Losses	(82,971)	(13,306)
Twelve Months or Greater, Fair Value	749,332	415,015
Twelve Months or Greater, Gross Unrealized Losses	(47,977)	(20,647)
Total, Fair Value	8,770,660	2,178,446
Total, Gross Unrealized Losses	(130,948)	(33,953)
U.S. Treasury Securities [Member]
Schedule Of Investment Securities [Line Items]
Less than Twelve Months, Fair Value	159,530
Less Than Twelve Months, Gross Unrealized Losses	(143)
Twelve Months or Greater, Fair Value
Twelve Months or Greater, Gross Unrealized Losses
Total, Fair Value	159,530
Total, Gross Unrealized Losses	(143)
Mortgage-backed Securities in Government-Sponsored Entities [Member]
Schedule Of Investment Securities [Line Items]
Less than Twelve Months, Fair Value	3,548,709	519,258
Less Than Twelve Months, Gross Unrealized Losses	(33,886)	(5,615)
Twelve Months or Greater, Fair Value	355,614	9,494
Twelve Months or Greater, Gross Unrealized Losses	12,999	(303)
Total, Fair Value	3,904,323	528,752
Total, Gross Unrealized Losses	(46,885)	(5,918)
Obligations of State and Political Subdivisions [Member]
Schedule Of Investment Securities [Line Items]
Less than Twelve Months, Fair Value	1,046,166	1,044,275
Less Than Twelve Months, Gross Unrealized Losses	(17,428)	(7,238)
Twelve Months or Greater, Fair Value	393,718	405,521
Twelve Months or Greater, Gross Unrealized Losses	(34,978)	(20,344)
Total, Fair Value	1,439,884	1,449,796
Total, Gross Unrealized Losses	(52,406)	(27,582)
Corporate Bonds [Member]
Schedule Of Investment Securities [Line Items]
Less than Twelve Months, Fair Value	3,266,923	199,898
Less Than Twelve Months, Gross Unrealized Losses	(31,514)	(453)
Twelve Months or Greater, Fair Value
Twelve Months or Greater, Gross Unrealized Losses
Total, Fair Value	3,266,923	199,898
Total, Gross Unrealized Losses	$ (31,514)	$ (453)

Fair Value Measurements - Schedule of Estimated Fair Values of the Bank's Financial Instruments (Details) - USD ($)	Sep. 30, 2018	Dec. 31, 2017
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Financial assets: Certificates of deposit	$ 846,000	$ 943,000
Investment securities: Available for sale	8,922,885	2,616,350
Investment securities: Held to maturity	8,095	9,494
Investment securities: Accrued interest receivable	557,291	476,417
Financial liabilities: Accrued interest payable	245,098	206,597
Fair Value, Inputs, Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Financial assets: Cash and cash equivalents	5,875,416	16,478,066
Financial assets: Certificates of deposit
Investment securities: Available for sale	192,632	195,316
Investment securities: Held to maturity
Investment securities: Loans, net
Investment securities: Accrued interest receivable
Investment securities: FHLB stock
Financial liabilities: Deposits	43,455,419	50,730,909
Financial liabilities: FHLB advances
Financial liabilities: Accrued interest payable
Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Financial assets: Cash and cash equivalents
Financial assets: Certificates of deposit	835,649	946,497
Investment securities: Available for sale	8,730,253	2,421,034
Investment securities: Held to maturity	7,196	9,494
Investment securities: Loans, net
Investment securities: Accrued interest receivable	557,291	476,417
Investment securities: FHLB stock
Financial liabilities: Deposits
Financial liabilities: FHLB advances	30,933,500	25,602,500
Financial liabilities: Accrued interest payable	245,098	206,597
Fair Value, Inputs, Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Financial assets: Cash and cash equivalents
Financial assets: Certificates of deposit
Investment securities: Available for sale
Investment securities: Held to maturity
Investment securities: Loans, net	156,639,838	139,784,862
Investment securities: Accrued interest receivable
Investment securities: FHLB stock	2,614,900	2,162,600
Financial liabilities: Deposits	86,239,953	81,458,115
Financial liabilities: FHLB advances
Financial liabilities: Accrued interest payable
Reported Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Financial assets: Cash and cash equivalents	5,875,416	16,478,066
Financial assets: Certificates of deposit	846,000	943,000
Investment securities: Available for sale	8,922,885	2,616,350
Investment securities: Held to maturity	7,109	9,797
Investment securities: Loans, net	156,613,838	140,574,537
Investment securities: Accrued interest receivable	557,291	476,417
Investment securities: FHLB stock	2,614,900	2,162,600
Financial liabilities: Deposits	131,366,372	132,430,024
Financial liabilities: FHLB advances	31,374,500	26,416,200
Financial liabilities: Accrued interest payable	245,098	206,597
Estimate of Fair Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Financial assets: Cash and cash equivalents	5,875,416	16,478,066
Financial assets: Certificates of deposit	835,649	946,497
Investment securities: Available for sale	8,922,885	2,616,350
Investment securities: Held to maturity	7,196	9,494
Investment securities: Loans, net	156,639,838	139,784,862
Investment securities: Accrued interest receivable	557,291	476,417
Investment securities: FHLB stock	2,614,900	2,162,600
Financial liabilities: Deposits	129,695,372	132,189,024
Financial liabilities: FHLB advances	30,933,500	25,602,500
Financial liabilities: Accrued interest payable	$ 245,098	$ 206,597

Regulatory Capital Requirements (Details Narrative)	Sep. 30, 2018	Dec. 31, 2017
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Common equity tier one risk based capital required for capital adequacy to risk weighted assets	4.50%
Tier one risk based capital required for capital adequacy to risk weighted assets	6.00%	6.00%
Capital required for capital adequacy to risk weighted assets	8.00%	8.00%
Tier one leverage capital required for capital adequacy to average assets	4.00%	4.00%
Percentage of Tier 1 capital greater than risk weighted assets	2.50%
Minimum percentage of capital conservation buffer as of January 1, 2018	1.875%
Percentage of capital conservation buffer on January 1, 2019	2.50%

Allowance for Loan Losses - Schedule of Loans on Nonaccrual Status (Details) - USD ($)	Sep. 30, 2018	Dec. 31, 2017
Financing Receivable, Past Due [Line Items]
Loans on nonaccrual status	$ 3,479,786	$ 3,268,322
Mortgage Loans One-to-Four Family [Member]
Financing Receivable, Past Due [Line Items]
Loans on nonaccrual status	2,210,273	2,108,086
Mortgage Loans Commercial [Member]
Financing Receivable, Past Due [Line Items]
Loans on nonaccrual status	1,102,106	1,122,740
Commercial and Industrial [Member]
Financing Receivable, Past Due [Line Items]
Loans on nonaccrual status	155,660	8,251
Consumer and HELOC [Member]
Financing Receivable, Past Due [Line Items]
Loans on nonaccrual status	$ 11,747	$ 29,245

Fair Value Measurements - Schedule of Assets Reported On the Balance Sheets Fair Value On Nonrecurring Basis (Details) - USD ($)	Sep. 30, 2018	Dec. 31, 2017
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned	$ 59,932	$ 59,932
Fair Value, Measurements, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned	59,932	59,932
Fair Value, Measurements, Nonrecurring [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned
Fair Value, Measurements, Nonrecurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned
Fair Value, Measurements, Nonrecurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned	$ 59,932	$ 59,932

Securities Held to Maturity (Detail Narrative)	9 Months Ended
Securities Held to Maturity (Detail Narrative)	Sep. 30, 2018
Mortgage-backed Securities in Government-Sponsored Entities [Member] \| Maximum [Member]
Contractual maturities range in years	10 years

Recent Accounting Standards (Details Narrative) - USD ($)	9 Months Ended	12 Months Ended
	Sep. 30, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount of reclassification for Bank
Tax Year 2017 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Statutory federal income tax rate	34.00%
Tax Year 2018 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Statutory federal income tax rate	21.00%
Retained Earnings [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount of reclassification for Bank		$ 3,860
AOCI Attributable to Parent [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount of reclassification for Bank		$ (3,860)

Allowance for Loan Losses - Schedule of Impaired Loans by Class (Details) - USD ($)	Sep. 30, 2018	Dec. 31, 2017
Financing Receivable, Impaired [Line Items]
Recorded Investment	$ 4,438,806	$ 3,668,894
Unpaid Principal Balance	4,438,806	3,668,894
Related Allowance	33,422	23,870
Mortgage Loans One-to-Four Family [Member]
Financing Receivable, Impaired [Line Items]
With no allowance recorded: Recorded Investment	2,137,668	2,356,007
With no allowance recorded: Unpaid Principal Balance	2,137,668	2,356,007
With an allowance recorded: Recorded Investment	354,381	152,651
With an allowance recorded: Unpaid Principal Balance	354,381	152,651
With an allowance recorded: Related Allowance	33,422	23,870
Recorded Investment	2,492,049	2,508,658
Unpaid Principal Balance	2,492,049	2,508,658
Related Allowance	33,422	23,870
Mortgage Loans Commercial [Member]
Financing Receivable, Impaired [Line Items]
With no allowance recorded: Recorded Investment	1,779,350	1,122,740
With no allowance recorded: Unpaid Principal Balance	1,779,350	1,122,740
With an allowance recorded: Recorded Investment
With an allowance recorded: Unpaid Principal Balance
With an allowance recorded: Related Allowance
Recorded Investment	1,779,350	1,122,740
Unpaid Principal Balance	1,779,350	1,122,740
Related Allowance
Commercial and Industrial [Member]
Financing Receivable, Impaired [Line Items]
With no allowance recorded: Recorded Investment	155,660	8,251
With no allowance recorded: Unpaid Principal Balance	155,660	8,251
With an allowance recorded: Recorded Investment
With an allowance recorded: Unpaid Principal Balance
With an allowance recorded: Related Allowance
Recorded Investment	155,660	8,251
Unpaid Principal Balance	155,660	8,251
Related Allowance
Consumer and HELOC [Member]
Financing Receivable, Impaired [Line Items]
With no allowance recorded: Recorded Investment	11,747	29,245
With no allowance recorded: Unpaid Principal Balance	11,747	29,245
With an allowance recorded: Recorded Investment
With an allowance recorded: Unpaid Principal Balance
With an allowance recorded: Related Allowance
Recorded Investment	11,747	29,245
Unpaid Principal Balance	11,747	29,245
Related Allowance

Securities Held to Maturity - Schedule of Contractual Maturities (Details) - USD ($)	Sep. 30, 2018	Dec. 31, 2017
Schedule of Held-to-maturity Securities [Line Items]
Amortized cost	$ 7,109	$ 9,797
Fair Value	8,095	9,494
Mortgage-backed Securities in Government-Sponsored Entities [Member]
Schedule of Held-to-maturity Securities [Line Items]
Amortized cost, due within one year or less	30
Amortized cost, due after one year through five years	5,545
Amortized cost, due after five years through ten years	1,534
Amortized cost	7,109	9,797
Fair Value, due within one year or less	30
Fair Value, due after one year through five years	5,585
Fair Value, due after five years through ten years	1,581
Fair Value	$ 7,196	$ 9,494

Loans - Schedule of Loan Portfolio by Category (Details) - USD ($)	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]
Loans, Gross	$ 157,616,411		$ 141,450,096
Third-party loan acquisition and other net origination costs	304,708		385,883
Discount on loans previously held for sale	(205,681)		(219,997)
Allowance for loan losses	(1,101,600)	$ (1,090,016)	(1,041,445)	$ (1,001,782)	$ (940,732)	$ (820,739)
Total	156,613,838		140,574,537
Mortgage Loans One-to-Four Family [Member]
Loans and Leases Receivable Disclosure [Line Items]
Loans, Gross	75,617,401		75,858,226
Mortgage Loans Commercial [Member]
Loans and Leases Receivable Disclosure [Line Items]
Loans, Gross	58,702,797		50,122,058
Mortgage Loans [Member]
Loans and Leases Receivable Disclosure [Line Items]
Loans, Gross	134,320,198		125,980,284
Commercial and Industrial [Member]
Loans and Leases Receivable Disclosure [Line Items]
Loans, Gross	18,118,214		11,455,554
Allowance for loan losses	(230,597)	$ (134,880)	(80,854)	$ (85,652)	$ (70,466)	$ (59,439)
Consumer [Member]
Loans and Leases Receivable Disclosure [Line Items]
Loans, Gross	$ 5,177,999		$ 4,014,258

Document and Entity Information - shares	9 Months Ended
Document and Entity Information - shares	Sep. 30, 2018	Nov. 13, 2018
Document And Entity Information
Entity Registrant Name	SSB Bancorp, Inc.
Entity Central Index Key	0001716188
Document Type	10-Q/A
Document Period End Date	Sep. 30, 2018
Amendment Flag	true
Amendment Description	The purpose of this amendment on Form 10-Q/A to the Quarterly Report on Form 10-Q of SSB Bancorp, Inc. (the "Company") for the period ended September 30, 2018 is to restate the Company's consolidated financial statements for the three- and nine-month periods ended September 30, 2018, and as of September 30, 2018, and related disclosures. Additional information about the decision to restate these financial statements can be found in our Current Report on Form 8-K, filed with the SEC on August 13, 2019. This Form 10-Q/A does not modify or update other disclosures presented in the original report on Form 10-Q, except as required to reflect the effects of the restatement. The Form 10-Q/A does not reflect events occurring after the filing of the Form 10-Q or modify or update those disclosures, including the exhibits to the Form 10-Q affected by subsequent events. Information not affected by the restatement is unchanged and reflects the disclosures made at the time of the original filing of the Form 10-Q on November 13, 2018. Accordingly, this Form 10-Q/A should be read in conjunction with the Company's filings made with the Securities and Exchange Commission subsequent to the filing of the original Form 10-Q, including any amendments to those filings. The following items have been amended as a result of the restatement: Part I - Item 1 - Financial Statements Part I - Item 2 - Management's Discussion and Analysis of Financial Condition and Results of Operations Description of Restatement During the 4th quarter of 2018, the Company identified and corrected an error related to its accounting treatment of accrued interest on investor sold loans and loan participations affecting the 2nd and 3rd quarters of 2018. Prior period accrued interest receivable accounts were overstated for the three- and six-month periods ended June 30, 2018, and at June 30, 2018, as well as the three- and nine- months ended September 30, 2018, and at September 30, 2018. The Company was able to identify the sources of the issues and it resulted in the Company correcting interest income and the provision for income taxes for the 2nd and 3rd quarters of 2018. On the corresponding balance sheet, the Company's accrued interest receivable was overstated and income taxes receivable was understated. The net effect was an overstatement of total assets and total liabilities and stockholders' equity at June 30, 2018 and September 30, 2018. As a result of the above items, the cumulative effect of the restatement through the third quarter of 2018 was a decrease in accrued interest receivable of $335,000, an increase in tax receivable of $83,000, and a decrease in retained earnings of $252,000. Consequently, for the three-month period ended September 30, 2018, the restatement shows a decrease in interest income on loans of $134,000, a decrease in the provision for income taxes of $40,000, and a decrease in net income of $95,000. For the nine-month period ending September 30, 2018, the restatement shows a decrease in interest income on loans of $335,000, a decrease in the provision for income taxes of $83,000, and a decrease in net income of $252,000.
Current Fiscal Year End Date	--12-31
Entity's Reporting Status Current	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business Flag	true
Entity Emerging Growth Company	true
Entity Ex Transition Period	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		2,248,250
Document Fiscal Period Focus	Q3
Document Fiscal Year Focus	2018

Unrealized Losses On Securities (Details Narrative) - Integer	Sep. 30, 2018	Dec. 31, 2017
Number of temporarily impaired investments securities	24	20
Maximum [Member]
Threshold limit of aggregate depreciation	2.00%	2.00%

Allowance for Loan Losses (Details Narrative)	3 Months Ended	9 Months Ended
Allowance for Loan Losses (Details Narrative)	Sep. 30, 2018 USD ($) Integer	Sep. 30, 2018 USD ($)	Sep. 30, 2017 USD ($) Integer	Dec. 31, 2017 USD ($)
Financing Receivable, Impaired [Line Items]
Recorded investment of all loans modified as troubled debt restructurings	$ 7,266	$ 7,266		$ 23,870
Mortgage One-to-Four Family [Member]
Financing Receivable, Impaired [Line Items]
Number of loans \| Integer	1		3
Pre and post modification aggregate balance	$ 146,053	146,053	$ 207,967
Troubled debt restructurings modification balance

Employee Stock Ownership Plan (Details Narrative) - USD ($)	3 Months Ended	9 Months Ended
	Sep. 30, 2018	Sep. 30, 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares purchase for employee stock ownership program		88,131
ESOP compensation expense	$ 10,322	$ 30,945
Employee Stock Option [Member] \| Share-based Compensation Award, Tranche One [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting percentage		20.00%
Vesting period		2 years
Employee Stock Option [Member] \| Share-based Compensation Award, Tranche Two [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting percentage		40.00%
Vesting period		3 years
Employee Stock Option [Member] \| Share-based Compensation Award, Tranche Three [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting percentage		60.00%
Vesting period		4 years
Employee Stock Option [Member] \| Share Based Compensation Award Tranche Four [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting percentage		80.00%
Vesting period		5 years
Employee Stock Option [Member] \| Share Based Compensation Award Tranche Five [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting percentage		100.00%
Vesting period		6 years

Allowance for Loan Losses - Schedule of Classes of the Loan Portfolio by Aging (Details) - USD ($)	Sep. 30, 2018	Dec. 31, 2017
Financing Receivable, Past Due [Line Items]
Total Past Due	$ 4,170,892	$ 5,415,983
Current	153,445,519	136,034,112
Total Loans Receivable	157,616,411	141,450,096
90 Days or Greater Still Accruing
Mortgage Loans One-to-Four Family [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	2,154,796	3,282,276
Current	73,462,605	72,575,950
Total Loans Receivable	75,617,401	75,858,226
90 Days or Greater Still Accruing
Mortgage Loans Commercial [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	1,848,689	1,779,380
Current	56,854,108	48,342,678
Total Loans Receivable	58,702,797	50,122,058
90 Days or Greater Still Accruing
Commercial and Industrial [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	155,660	310,034
Current	17,962,554	11,145,519
Total Loans Receivable	18,118,214	11,455,554
90 Days or Greater Still Accruing
Consumer and HELOC [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	11,747	44,293
Current	5,166,252	3,969,965
Total Loans Receivable	5,177,999	4,014,258
90 Days or Greater Still Accruing
30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	1,028,606	1,941,253
30 to 59 Days Past Due [Member] \| Mortgage Loans One-to-Four Family [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	223,534	982,168
30 to 59 Days Past Due [Member] \| Mortgage Loans Commercial [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	794,525	656,640
30 to 59 Days Past Due [Member] \| Commercial and Industrial [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		301,783
30 to 59 Days Past Due [Member] \| Consumer and HELOC [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	10,547	662
60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	294,661	414,378
60 to 89 Days Past Due [Member] \| Mortgage Loans One-to-Four Family [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	294,661	399,992
60 to 89 Days Past Due [Member] \| Mortgage Loans Commercial [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
60 to 89 Days Past Due [Member] \| Commercial and Industrial [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
60 to 89 Days Past Due [Member] \| Consumer and HELOC [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		14,386
90 Days or Greater Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	2,847,625	3,060,352
90 Days or Greater Past Due [Member] \| Mortgage Loans One-to-Four Family [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	1,636,601	1,900,116
90 Days or Greater Past Due [Member] \| Mortgage Loans Commercial [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	1,054,164	1,122,740
90 Days or Greater Past Due [Member] \| Commercial and Industrial [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	155,660	8,251
90 Days or Greater Past Due [Member] \| Consumer and HELOC [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	$ 1,200	$ 29,245

Securities Available for Sale (Details Narrative)	9 Months Ended
Securities Available for Sale (Details Narrative)	Sep. 30, 2018 USD ($)	Sep. 30, 2017 USD ($) Integer
Debt Securities, Available-for-sale [Line Items]
Debt Securities Available For Sale Number Of Positions \| Integer		2
Available-for-sale Securities, Amortized Cost Basis		$ 315,811
Associated gain on sale of securities available for sale		350
Proceeds from sale of securities		$ 313,643
Minimum [Member] \| Mortgage-backed Securities in Government-Sponsored Entities [Member]
Debt Securities, Available-for-sale [Line Items]
Contractual maturities range in years	1 year
Maximum [Member] \| Mortgage-backed Securities in Government-Sponsored Entities [Member]
Debt Securities, Available-for-sale [Line Items]
Contractual maturities range in years	25 years