0001096906-15-001153.txt : 20151113 0001096906-15-001153.hdr.sgml : 20151113 20151113134157 ACCESSION NUMBER: 0001096906-15-001153 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20150930 FILED AS OF DATE: 20151113 DATE AS OF CHANGE: 20151113 FILER: COMPANY DATA: COMPANY CONFORMED NAME: SECURITY NATIONAL FINANCIAL CORP CENTRAL INDEX KEY: 0000318673 STANDARD INDUSTRIAL CLASSIFICATION: FINANCE SERVICES [6199] IRS NUMBER: 870345941 STATE OF INCORPORATION: UT FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 000-09341 FILM NUMBER: 151228324 BUSINESS ADDRESS: STREET 1: PO BOX 57220 CITY: SALT LAKE CITY STATE: UT ZIP: 84157 BUSINESS PHONE: 8012641060 MAIL ADDRESS: STREET 1: PO BOX 57220 CITY: SALT LAKE CITY STATE: UT ZIP: 84157 FORMER COMPANY: FORMER CONFORMED NAME: SNL FINANCIAL CORP DATE OF NAME CHANGE: 19910401 10-Q 1 security.htm SECURITY NATIONAL FINANCIAL CORPORATION 10Q 2015-09-30
UNITED STATES SECURITIES
AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 10-Q

[X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 
For the quarter ended September 30, 2015, or

[ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 
For the Transition Period from _____ to ________

Commission file number: 000-09341

SECURITY NATIONAL FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)

UTAH
87-0345941
(State or other jurisdiction of incorporation or organization)
(I.R.S. Employer Identification No.)
   
5300 South 360 West, Suite 250, Salt Lake City, Utah
84123
(Address of principal executive offices)
(Zip Code)
   
 (801) 264-1060
(Registrant's telephone number, including area code)


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

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

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

 
Large accelerated filer [  ]
Accelerated filer [  ]
 
Non-accelerated filer [  ] (Do not check if a smaller reporting company)
Smaller reporting 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]

Indicate the number of shares outstanding of each of the issuer's classes of common stock, as of the latest practicable date.

Class A Common Stock, $2.00 par value
12,481,039
Title of Class
Number of Shares Outstanding as of
 
November 13, 2015
   
Class C Common Stock, $2.00 par value
1,507,465
Title of Class
Number of Shares Outstanding as of
 
November 13, 2015
 
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
 
FORM 10-Q

QUARTER ENDED SEPTEMBER 30, 2015

TABLE OF CONTENTS


 
PART I  - FINANCIAL INFORMATION
  
     
Item 1.
Financial Statements
  
     
 
Condensed Consolidated Balance Sheets as of September 30, 2015 and December 31, 2014 (unaudited)
3-4
     
 
Condensed Consolidated Statements of Earnings for the Three and Nine Months Ended September 30, 2015 and 2014 (unaudited)
5
     
 
Condensed Consolidated Statements of Comprehensive Income for the Three and Nine Months Ended September 30, 2015 and 2014 (unaudited)
6
     
 
Condensed Consolidated Statements of Stockholders' Equity as of September 30, 2015 and September 30, 2014 (unaudited)
7
     
 
Condensed Consolidated Statements of Cash Flows for the Nine Months Ended September 30, 2015 and 2014 (unaudited)
8
     
 
Notes to Condensed Consolidated Financial Statements (unaudited)
9
     
Item 2.
Management's Discussion and Analysis of Financial Condition and Results of Operations
39
     
Item 3.
Quantitative and Qualitative Disclosures about Market Risk
45
     
Item 4.
Controls and Procedures
46
     
 
PART II - OTHER INFORMATION
  
     
Item 1.
Legal Proceedings
46
     
Item 2.
Unregistered Sales of Equity Securities and Use of Proceeds
47
     
Item 3.
Defaults Upon Senior Securities
47
     
Item 4.
Mine Safety Disclosures
47
     
Item 5.
Other Information
47
     
Item 6.
Exhibits
47
     
 
Signature Page
50

2
SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
CONDENSED CONSOLIDATED BALANCE SHEETS
(Unaudited)

Part I - Financial Information

Item 1.                Financial Statements.

Assets
  
September 30
 2015
    
December 31
 2014
  
Investments:
        
Fixed maturity securities, held to maturity, at amortized cost
  
$
133,357,324
    
$
135,018,347
  
Equity securities, available for sale, at estimated fair value
    
7,208,726
      
6,752,750
  
Mortgage loans on real estate and construction loans, held for investment net of allowances for loan losses of $1,856,694 and $2,003,055 for 2015 and 2014
    
111,683,254
      
120,050,072
  
Real estate held for investment, net of accumulated depreciation of $11,819,249 and $10,875,419 for 2015 and 2014
    
112,661,696
      
111,411,351
  
Policy and other loans, net of allowances for doubtful accounts of $888,807 and $693,413 for 2015 and 2014
    
34,461,555
      
34,125,428
  
Short-term investments
    
19,980,369
      
27,059,495
  
Accrued investment income
    
2,496,538
      
2,483,253
  
Total investments
    
421,849,462
      
436,900,696
  
Cash and cash equivalents
    
71,895,929
      
30,855,320
  
Mortgage loans sold to investors
    
102,235,979
      
67,534,400
  
Receivables, net
    
17,332,863
      
14,544,093
  
Restricted assets
    
10,330,518
      
9,347,797
  
Cemetery perpetual care trust investments
    
2,776,516
      
2,645,423
  
Receivable from reinsurers
    
13,454,542
      
12,036,263
  
Cemetery land and improvements
    
10,819,136
      
10,848,085
  
Deferred policy and pre-need contract acquisition costs
    
56,978,862
      
50,307,503
  
Mortgage servicing rights, net
    
11,574,339
      
7,834,747
  
Property and equipment, net
    
10,256,086
      
11,307,714
  
Value of business acquired
    
9,041,840
      
8,547,627
  
Goodwill
    
2,765,570
      
2,765,570
  
Other
    
8,084,196
      
5,594,324
  
                 
Total Assets
  
$
749,395,838
    
$
671,069,562
  
 
See accompanying notes to condensed consolidated financial statements.
 
3
SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
CONDENSED CONSOLIDATED BALANCE SHEETS (Continued)
(Unaudited)

   
September 30
 2015
    
December 31
 2014
  
Liabilities and Stockholders' Equity
        
Liabilities
        
Future life, annuity, and other benefits
  
$
514,497,225
    
$
476,727,465
  
Unearned premium reserve
    
4,794,176
      
4,961,937
  
Bank and other loans payable
    
39,535,964
      
29,020,378
  
Deferred pre-need cemetery and mortuary contract revenues
    
12,919,510
      
13,242,143
  
Cemetery perpetual care obligation
    
3,466,190
      
3,406,718
  
Accounts payable
    
3,788,303
      
1,789,387
  
Other liabilities and accrued expenses
    
36,583,403
      
24,408,666
  
Income taxes
    
24,505,505
      
20,421,767
  
Total liabilities
    
640,090,276
      
573,978,461
  
                 
Stockholders' Equity
                
Common Stock:
                
Class A: common stock - $2.00 par value; 20,000,000 shares authorized; issued 12,481,039 shares in 2015 and 12,459,240 shares in 2014
    
24,962,078
      
24,918,480
  
Class B: non-voting common stock - $1.00 par value; 5,000,000 shares authorized; none issued or outstanding
    
-
      
-
  
Class C: convertible common stock - $2.00 par value; 2,000,000 shares authorized; issued 1,507,465 shares in 2015 and 1,394,069 shares in 2014
    
3,014,930
      
2,788,138
  
Additional paid-in capital
    
26,720,371
      
25,931,119
  
Accumulated other comprehensive income, net of taxes
    
1,851,881
      
1,438,566
  
Retained earnings
    
54,705,809
      
44,101,252
  
Treasury stock at cost - 884,375 Class A shares in 2015 and 986,264 Class A shares in 2014
    
(1,949,507
)
    
(2,086,454
)
                 
Total stockholders' equity
    
109,305,562
      
97,091,101
  
                 
Total Liabilities and Stockholders' Equity
  
$
749,395,838
    
$
671,069,562
  

See accompanying notes to condensed consolidated financial statements.
4
SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
CONDENSED CONSOLIDATED STATEMENTS OF EARNINGS
(Unaudited)

   
Three Months Ended
September 30
    
Nine Months Ended
September 30
  
   
2015
    
2014
    
2015
    
2014
  
Revenues:
                
Insurance premiums and other considerations
  
$
14,563,582
    
$
13,804,510
    
$
42,331,991
    
$
40,268,943
  
Net investment income
    
8,432,414
      
8,191,962
      
24,845,931
      
20,541,749
  
Net mortuary and cemetery sales
    
2,811,329
      
2,490,280
      
8,701,417
      
8,768,224
  
Realized gains on investments and other assets
    
1,352,778
      
429,910
      
2,273,618
      
968,755
  
Other than temporary impairments on investments
    
(56,290
)
    
(383,776
)
    
(167,497
)
    
(443,776
)
Mortgage fee income
    
46,923,321
      
36,235,813
      
133,475,149
      
93,546,650
  
Other
    
1,467,552
      
957,093
      
4,124,324
      
2,540,253
  
Total revenues
    
75,494,686
      
61,725,792
      
215,584,933
      
166,190,798
  
                                 
Benefits and expenses:
                                
Death benefits
    
7,584,209
      
6,641,923
      
23,628,492
      
20,400,042
  
Surrenders and other policy benefits
    
715,209
      
707,539
      
1,888,606
      
1,850,302
  
Increase in future policy benefits
    
4,620,413
      
5,278,079
      
12,840,591
      
14,492,604
  
Amortization of deferred policy and pre-need acquisition costs and value of business acquired
    
1,338,084
      
1,854,041
      
3,683,437
      
4,750,976
  
Selling, general and administrative expenses:
                                
Commissions
    
21,263,606
      
17,134,597
      
63,037,164
      
43,880,642
  
Personnel
    
15,768,614
      
13,141,100
      
45,333,563
      
36,497,666
  
Advertising
    
1,503,476
      
1,135,913
      
4,428,192
      
3,409,971
  
Rent and rent related
    
1,979,767
      
1,625,624
      
5,794,633
      
4,425,105
  
Depreciation on property and equipment
    
553,048
      
574,323
      
1,663,172
      
1,605,871
  
Provision for loan losses and loss reserve
    
1,754,781
      
1,063,451
      
4,673,991
      
2,006,876
  
Costs related to funding mortgage loans
    
2,352,611
      
1,932,627
      
6,947,976
      
5,141,946
  
Other
    
6,606,960
      
5,886,301
      
19,674,568
      
16,339,983
  
Interest expense
    
1,191,627
      
954,610
      
3,551,242
      
2,238,722
  
Cost of goods and services sold-mortuaries and cemeteries
    
467,881
      
418,524
      
1,414,570
      
1,419,868
  
Total benefits and expenses
    
67,700,286
      
58,348,652
      
198,560,197
      
158,460,574
  
                                 
Earnings before income taxes
    
7,794,400
      
3,377,140
      
17,024,736
      
7,730,224
  
Income tax expense
    
(2,904,615
)
    
(1,239,318
)
    
(6,418,969
)
    
(2,829,491
)
                                 
Net earnings
  
$
4,889,785
    
$
2,137,822
    
$
10,605,767
    
$
4,900,733
  
                                 
Net earnings per Class A Equivalent common share (1)
  
$
0.37
    
$
0.17
    
$
0.81
    
$
0.39
  
                                 
Net earnings per Class A Equivalent common share-assuming dilution (1)
  
$
0.35
    
$
0.17
    
$
0.78
    
$
0.38
  
                                 
Weighted-average Class A equivalent common share outstanding (1)
    
13,146,617
      
12,455,314
      
13,023,962
      
12,487,646
  
                                 
Weighted-average Class A equivalent common shares outstanding-assuming dilution (1)
    
13,775,102
      
12,924,765
      
13,598,186
      
12,931,350
  

(1) Net earnings per share amounts have been adjusted retroactively for the effect of annual stock dividends.

See accompanying notes to condensed consolidated financial statements.
5
SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
(Unaudited)

   
Three Months Ended
September 30
    
Nine Months Ended
September 30
  
   
2015
    
2014
    
2015
    
2014
  
Net earnings
  
$
4,889,785
    
$
2,137,822
    
$
10,605,767
    
$
4,900,733
  
Other comprehensive income (loss):
                                
  Net unrealized gains (losses) on derivative instruments
    
(859,581
)
    
(429,209
)
    
1,427,072
      
333,725
  
  Net unrealized gains (losses) on available for sale securities
    
(619,641
)
    
(235,888
)
    
(1,013,757
)
    
(75,822
)
Other comprehensive income (loss)
    
(1,479,222
)
    
(665,097
)
    
413,315
      
257,903
  
Comprehensive income
  
$
3,410,563
    
$
1,472,725
    
$
11,019,082
    
$
5,158,636
  

See accompanying notes to condensed consolidated financial statements.
6
SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
CONDENSED CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY
(Unaudited)
 
   
Class A Common Stock
    
Class C Common Stock
    
Additional Paid-in Capital
    
Accumulated
Other
Comprehensive Income
    
Retained Earnings
    
Treasury Stock
    
Total
  
                             
Balance at December 31, 2013
  
$
23,614,574
    
$
2,660,382
    
$
23,215,875
    
$
1,218,396
    
$
39,666,587
    
$
(2,624,625
)
  
$
87,751,189
  
                                                         
Net earnings
    
-
      
-
      
-
      
-
      
4,900,733
      
-
      
4,900,733
  
Other comprehensive income
    
-
      
-
      
-
      
257,903
      
-
      
-
      
257,903
  
Grant of stock options
    
-
      
-
      
237,398
      
-
      
-
      
-
      
237,398
  
Reverse stock split true up
    
-
      
30
      
-
      
-
      
(30
)
    
-
      
-
  
Exercise of stock options
    
80,936
      
-
      
(22,864
)
    
-
      
-
      
-
      
58,072
  
Sale of treasury stock
    
-
      
-
      
240,501
      
-
      
-
      
395,994
      
636,495
  
Stock Dividends
    
3,446
      
(1
)
    
4,910
      
-
      
(8,355
)
    
-
      
-
  
Conversion Class C to Class A
    
2,772
      
(2,771
)
    
(2
)
    
-
      
-
      
-
      
(1
)
Balance at September 30, 2014
  
$
23,701,728
    
$
2,657,640
    
$
23,675,818
    
$
1,476,299
    
$
44,558,935
    
$
(2,228,631
)
  
$
93,841,789
  
                                                         
Balance at December 31, 2014
  
$
24,918,480
    
$
2,788,138
    
$
25,931,119
    
$
1,438,566
    
$
44,101,252
    
$
(2,086,454
)
  
$
97,091,101
  
                                                         
Net earnings
    
-
      
-
      
-
      
-
      
10,605,767
      
-
      
10,605,767
  
Other comprehensive income
    
-
      
-
      
-
      
413,315
      
-
      
-
      
413,315
  
Grant of stock options
    
-
      
-
      
299,986
      
-
      
-
      
-
      
299,986
  
Exercise of stock options
    
41,862
      
228,046
      
(1,208
)
    
-
      
-
      
(244,009
)
    
24,691
  
Sale of treasury stock
    
-
      
-
      
489,746
      
-
      
-
      
380,956
      
870,702
  
Stock Dividends
    
480
      
2
      
728
      
-
      
(1,210
)
    
-
      
-
  
Conversion Class C to Class A
    
1,256
      
(1,256
)
    
-
      
-
      
-
      
-
      
-
  
Balance at September 30, 2015
  
$
24,962,078
    
$
3,014,930
    
$
26,720,371
    
$
1,851,881
    
$
54,705,809
    
$
(1,949,507
)
  
$
109,305,562
  

See accompanying notes to condensed consolidated financial statements.
7
SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS
(Unaudited)

   
Nine Months Ended
September 30
  
   
2015
    
2014
  
Cash flows from operating activities:
        
     Net cash provided by (used in) operating activities
  
$
(3,677,377
)
  
$
36,391,145
  
                 
Cash flows from investing activities:
                
Securities held to maturity:
                
        Purchase-fixed maturity securities
    
(8,866,792
)
    
(1,089,843
)
        Calls and maturities - fixed maturity securities
    
10,500,608
      
8,930,341
  
Securities available for sale:
                
       Purchase - equity securities
    
(3,457,180
)
    
(4,859,850
)
       Sales - equity securities
    
1,823,404
      
2,679,292
  
Purchase of short-term investments
    
(31,768,007
)
    
(15,166,706
)
Sales of short-term investments
    
38,731,918
      
2,278,147
  
Purchases of restricted assets
    
(1,027,533
)
    
(2,818,985
)
Changes in assets for perpetual care trusts
    
(217,025
)
    
(173,172
)
Amount received for perpetual care trusts
    
59,472
      
97,207
  
Mortgage, policy, and other loans made
    
(272,667,236
)
    
(212,307,189
)
Payments received for mortgage, policy and other loans
    
278,315,445
      
177,332,341
  
Purchase of property and equipment
    
(2,286,053
)
    
(1,093,783
)
Sale of property and equipment
    
2,899,322
      
-
  
Purchase of real estate
    
(11,652,845
)
    
(10,484,664
)
Sale of real estate
    
11,194,483
      
3,491,378
  
Cash received from reinsurance
    
24,020,215
      
13,553,864
  
Cash paid for purchase of subsidiaries, net of cash acquired
    
-
      
(3,000,000
)
      Net cash provided by (used in) investing activities
    
35,602,196
      
(42,631,622
)
                 
Cash flows from financing activities:
                
Annuity contract receipts
    
7,793,428
      
7,735,783
  
Annuity contract withdrawals
    
(9,249,285
)
    
(11,079,789
)
Proceeds from stock options exercised
    
24,691
      
58,072
  
Repayment of bank loans on notes and contracts
    
(1,583,942
)
    
(1,772,665
)
Proceeds from borrowing on bank loans
    
12,130,898
      
5,646,518
  
      Net cash provided by financing activities
    
9,115,790
      
587,919
  
                 
Net change in cash and cash equivalents
    
41,040,609
      
(5,652,558
)
                 
Cash and cash equivalents at beginning of period
    
30,855,320
      
38,203,164
  
                 
Cash and cash equivalents at end of period
  
$
71,895,929
    
$
32,550,606
  
                 
Non Cash Investing and Financing Activities
                
Mortgage loans foreclosed into real estate
  
$
2,659,985
    
$
886,576
  
 
See accompanying notes to condensed consolidated financial statements.
8
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)


1)        Basis of Presentation

The accompanying unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and with the instructions to Form 10‑Q and Articles 8 and 10 of Regulation S‑X. Accordingly, they do not include all of the information and disclosures required by accounting principles generally accepted in the United States of America for complete financial statements. These financial statements should be read in conjunction with the consolidated financial statements of the Company and notes thereto for the year ended December 31, 2014, included in the Company's Annual Report on Form 10-K (file number 000-09341). In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Operating results for the nine months ended September 30, 2015 are not necessarily indicative of the results that may be expected for the year ending December 31, 2015.

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 amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates.

The estimates susceptible to significant change are those used in determining the liability for future policy benefits and claims, those used in determining valuation allowances for mortgage loans on real estate and construction loans held for investment, those used in determining loan loss reserve, and those used in determining the estimated future costs for pre-need sales. Although some variability is inherent in these estimates, management believes the amounts provided are fairly stated in all material respects.

2)        Recent Accounting Pronouncements

Accounting Standards Update ("ASU") No. 2014-11: "Transfers and Servicing - Repurchase to Maturity Transactions, Repurchase Financings, and Disclosures (Topic 860)" – Issued in June 2014, ASU 2014-11 aligns the accounting for repurchase to maturity transactions and repurchase agreements executed as a repurchase financing with the accounting for other typical repurchase agreements. Going forward, these transactions would all be accounted for as secured borrowings. The new authoritative guidance is effective for the first interim or annual period beginning after December 15, 2014. In addition the disclosure of certain transactions accounted for as a sale is effective for the first interim or annual period beginning on or after December 15, 2014, and the disclosure for transactions accounted for as secured borrowings is required for annual periods beginning after December 15, 2014, and interim periods beginning after March 15, 2015. This new guidance has not and will not have a significant impact on the Company's results of operations or financial position.

ASU No. 2014-09: "Revenue from Contracts with Customers (Topic 606)" - Issued in May 2014, ASU 2014-09 supersedes the revenue recognition requirements in ASC Topic 605, "Revenue Recognition", and requires entities to recognize revenue in a way that depicts 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. Insurance contracts are excluded from the scope of this new guidance. The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2017. The Company is in the process of evaluating the potential impact of this standard, which is not expected to be material to the Company's results of operations or financial position.

The Company has reviewed other recent accounting pronouncements and has determined that they will not significantly impact the Company's results of operations or financial position.

9
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)


3)        Investments

The Company's investments in fixed maturity securities held to maturity and equity securities available for sale as of September 30, 2015 are summarized as follows:

   
Amortized
 Cost
    
Gross
Unrealized
 Gains
    
Gross
Unrealized
 Losses
    
Estimated
Fair
 Value
  
September 30, 2015
                
Fixed maturity securities held to maturity carried at amortized cost:
                
Bonds:
                
U.S. Treasury securities and obligations of U.S. Government agencies
  
$
1,860,138
    
$
340,699
    
$
-
    
$
2,200,837
  
Obligations of states and political subdivisions
    
1,808,183
      
220,697
      
(2,624
)
    
2,026,256
  
Corporate securities including public utilities
    
126,024,969
      
11,952,326
      
(3,505,213
)
    
134,472,082
  
Mortgage-backed securities
    
3,052,011
      
241,761
      
(6,855
)
    
3,286,917
  
Redeemable preferred stock
    
612,023
      
27,529
      
-
      
639,552
  
Total fixed maturity securities held to maturity
  
$
133,357,324
    
$
12,783,012
    
$
(3,514,692
)
  
$
142,625,644
  


10
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)

3)        Investments (Continued)

   

Cost
    
Gross
Unrealized
 Gains
    
Gross
Unrealized
 Losses
    
Estimated
Fair
 Value
  
September 30, 2015
                
                 
Equity securities available for sale at estimated fair value:
                
                 
Common stock:
                
                 
Industrial, miscellaneous and all other
  
$
9,012,605
    
$
88,504
    
$
(1,892,383
)
  
$
7,208,726
  
                                 
Total equity securities available for sale at estimated fair value
  
$
9,012,605
    
$
88,504
    
$
(1,892,383
)
  
$
7,208,726
  
                                 
Mortgage loans on real estate and construction loans held for investment at amortized cost:
                                
Residential
  
$
48,076,245
                          
Residential construction
    
28,862,660
                          
Commercial
    
36,601,043
                          
Less: Allowance for loan losses
    
(1,856,694
)
                        
Total mortgage loans on real estate and construction loans held for investment
  
$
111,683,254
                          
                                 
Real estate held for investment - net of depreciation
  
$
112,661,696
                          
                                 
Policy and other loans at amortized cost:
                                
Policy loans
  
$
7,038,768
                          
Other loans
    
28,311,594
                          
Less: Allowance for doubtful accounts
    
(888,807
)
                        
                                 
Total policy and other loans at amortized cost
  
$
34,461,555
                          
                                 
Short-term investments at amortized cost
  
$
19,980,369
                          

11
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)
 
3)  Investments (Continued)
 
The Company's investments in fixed maturity securities held to maturity and equity securities available for sale as of December 31, 2014 are summarized as follows:

   
Amortized
 Cost
    
Gross
Unrealized
 Gains
    
Gross
 Unrealized Losses
   
Estimated
Fair
 Value
 
December 31, 2014:
                
Fixed maturity securities held to maturity carried at amortized cost:
                
Bonds:
                
U.S. Treasury securities and obligations of U.S. Government agencies
  
$
1,873,146
    
$
345,715
    
$
-
    
$
2,218,861
  
Obligations of states and political subdivisions
    
1,736,489
      
221,893
      
(5,278
)
    
1,953,104
  
Corporate securities including public utilities
    
126,533,483
      
15,841,536
      
(980,357
)
    
141,394,662
  
Mortgage-backed securities
    
4,263,206
      
305,381
      
(11,894
)
    
4,556,693
  
Redeemable preferred stock
    
612,023
      
22,032
      
-
      
634,055
  
Total fixed maturity securities held to maturity
  
$
135,018,347
    
$
16,736,557
    
$
(997,529
)
  
$
150,757,375
  
 
   
Cost
    
Gross
 Unrealized
Gains
    
Gross
Unrealized
Losses
    
Estimated
 Fair
Value
  
December 31, 2014:
                
                 
Equity securities available for sale at estimated fair value:
                
                 
Common stock:
                
                 
Industrial, miscellaneous and all other
  
$
7,179,010
    
$
393,873
    
$
(820,133
)
  
$
6,752,750
  
                                 
Total securities available for sale carried at estimated fair value
  
$
7,179,010
    
$
393,873
    
$
(820,133
)
  
$
6,752,750
  
                                 
Mortgage loans on real estate and construction loans held for investment at amortized cost:
                                
Residential
  
$
53,592,433
                          
Residential construction
    
33,071,938
                          
Commercial
    
35,388,756
                          
Less: Allowance for loan losses
    
(2,003,055
)
                        
                                 
Total mortgage loans on real estate and construction loans held for investment
  
$
120,050,072
                          
                                 
Real estate held for investment - net of depreciation
  
$
111,411,351
                          
                                 
Policy and other loans at amortized cost:
                                
Policy loans
  
$
7,011,012
                          
Other loans
    
27,807,829
                          
Less: Allowance for doubtful accounts
    
(693,413
)
                        
                                 
Total policy and other loans at amortized cost
  
$
34,125,428
                          
                                 
Short-term investments at amortized cost
  
$
27,059,495
                          
                                 
 
12
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)
 

3)  Investments (Continued)
 
Fixed Maturity Securities

The following tables summarize unrealized losses on fixed maturity securities, which are carried at amortized cost, at September 30, 2015 and December 31, 2014. The unrealized losses were primarily related to interest rate fluctuations. The tables set forth unrealized losses by duration and number of investment positions, together with the fair value of the related fixed maturity securities:

   
Unrealized
Losses for
Less than
Twelve
Months
    
No. of
Investment
Positions
    
Unrealized
Losses for
More than
Twelve
Months
    
No. of
Investment
Positions
    
Total
Unrealized
Loss
  
At September 30, 2015
                    
Obligations of states and political subdivisions
  
$
-
      
0
    
$
2,624
      
1
    
$
2,624
  
Corporate securities including public utilities
    
2,798,201
      
74
      
707,012
      
12
      
3,505,213
  
Mortgage-backed securities
    
6,855
      
2
      
-
      
0
      
6,855
  
Total unrealized losses
  
$
2,805,056
      
76
    
$
709,636
      
13
    
$
3,514,692
  
Fair Value
  
$
23,917,114
            
$
2,327,984
            
$
26,245,098
  
                                         
At December 31, 2014
                                        
Obligations of states and political subdivisions
  
$
-
      
0
    
$
5,278
      
1
    
$
5,278
  
Corporate securities including public utilities
    
548,310
      
21
      
432,047
      
11
      
980,357
  
Mortgage-backed securities
    
3,966
      
1
      
7,928
      
1
      
11,894
  
Total unrealized losses
  
$
552,276
      
22
    
$
445,253
      
13
    
$
997,529
  
Fair Value
  
$
7,081,352
            
$
2,777,587
            
$
9,858,939
  
 
As of September 30, 2015, the average market value of the related fixed maturities was 88.2% of amortized cost and the average market value was 90.8% of amortized cost as of December 31, 2014. During the three months ended September 30, 2015 and 2014 an other than temporary decline in fair value resulted in the recognition of credit losses on fixed maturity securities of $30,000 and $30,000, respectively, and for the nine months ended September 30, 2015 and 2014 an other than temporary decline in fair value resulted in the recognition of credit losses on fixed maturity securities of $90,000 and $90,000, respectively.

On a quarterly basis, the Company reviews its fixed maturity investment securities related to corporate securities and other public utilities, consisting of bonds and preferred stocks that are in a loss position. The review involves an analysis of the securities in relation to historical values, and projected earnings and revenue growth rates. Based on the analysis, a determination is made whether a security will likely recover from the loss position within a reasonable period of time. If it is unlikely that the investment will recover from the loss position, the loss is considered to be other than temporary, the security is written down to the impaired value and an impairment loss is recognized.
13
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)

3)  Investments (Continued)
 
Equity Securities

The following tables summarize unrealized losses on equity securities that were carried at estimated fair value based on quoted trading prices at September 30, 2015 and December 31, 2014. The unrealized losses were primarily the result of decreases in fair value due to overall equity market declines. The tables set forth unrealized losses by duration and number of investment positions, together with the fair value of the related equity securities available-for-sale in a loss position:

   
Unrealized
 Losses for
 Less than
Twelve
 Months
    
No. of
 Investment
Positions
    
Unrealized
 Losses for
More than
Twelve
 Months
    
No. of
 Investment
 Positions
    
Total
Unrealized
 Losses
  
At September 30, 2015
                    
Industrial, miscellaneous and all other
  
$
973,583
      
273
    
$
918,800
      
66
    
$
1,892,383
  
Total unrealized losses
  
$
973,583
      
273
    
$
918,800
      
66
    
$
1,892,383
  
Fair Value
  
$
4,723,167
            
$
802,547
            
$
5,525,714
  
                                         
At December 31, 2014
                                        
Industrial, miscellaneous and all other
  
$
327,389
      
138
    
$
492,744
      
27
    
$
820,133
  
Total unrealized losses
  
$
327,389
      
138
    
$
492,744
      
27
    
$
820,133
  
Fair Value
  
$
2,162,425
            
$
676,706
            
$
2,839,131
  

As of September 30, 2015, the average market value of the equity securities available for sale was 74.5% of the original investment and the average market value was 77.6% of the original investment as of December 31, 2014. The intent of the Company is to retain equity securities for a period of time sufficient to allow for the recovery in fair value. However, the Company may sell equity securities during a period in which the fair value has declined below the amount of the original investment. In certain situations new factors, including changes in the business environment, can change the Company's previous intent to continue holding a security. During the three months ended September 30, 2015 and 2014, an other than temporary decline in the fair value resulted in the recognition of an impairment loss on equity securities of $26,290 and $-0-, respectively, and for the nine months ended September 30, 2015 and 2014, an other than temporary decline in the fair value resulted in the recognition of an impairment loss on equity securities of $77,497 and $-0-, respectively.

On a quarterly basis, the Company reviews its investment in industrial, miscellaneous and all other equity securities that are in a loss position. The review involves an analysis of the securities in relation to historical values, price earnings ratios, projected earnings and revenue growth rates. Based on the analysis a determination is made whether a security will likely recover from the loss position within a reasonable period of time. If it is unlikely that the investment will recover from the loss position, the loss is considered to be other than temporary, the security is written down to the impaired value and an impairment loss is recognized.

The fair values of fixed maturity securities are based on quoted market prices, when available. For fixed maturity securities not actively traded, fair values are estimated using values obtained from independent pricing services, or in the case of private placements, are estimated by discounting expected future cash flows using a current market value applicable to the coupon rate, credit and maturity of the investments. The fair values for equity securities are based on quoted market prices.

14
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)

3)  Investments (Continued)
 
The amortized cost and estimated fair value of fixed maturity securities at September 30, 2015, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because certain borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.

   
Amortized
 Cost
   
Estimated Fair
 Value
 
Held to Maturity:
        
Due in 2015
  
$
749,780
    
$
753,840
  
Due in 2016 through 2019
    
30,426,998
      
33,178,552
  
Due in 2020 through 2024
    
28,926,814
      
30,445,969
  
Due after 2024
    
69,589,698
      
74,320,814
  
Mortgage-backed securities
    
3,052,011
      
3,286,917
  
Redeemable preferred stock
    
612,023
      
639,552
  
Total held to maturity
  
$
133,357,324
    
$
142,625,644
  

The amortized cost and estimated fair value of available for sale securities at September 30, 2015, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because certain borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Equities are valued using the specific identification method.

   

Cost
    
Estimated Fair
 Value
 
Available for Sale:
        
Common stock
  
$
9,012,605
    
$
7,208,726
  
Total available for sale
  
$
9,012,605
    
$
7,208,726
  

The Company's realized gains and losses, other than temporary impairments from investments and other assets, are summarized as follows:

   
Three Months Ended
September 30
    
Nine Months Ended
September 30
  
   
2015
    
2014
    
2015
    
2014
  
Fixed maturity securities held to maturity:
                
Gross realized gains
  
$
15,279
    
$
211,403
    
$
374,337
    
$
258,951
  
Gross realized losses
    
(22,796
)
    
(66,459
)
    
(82,166
)
    
(68,742
)
Other than temporary impairments
    
(30,000
)
    
(30,000
)
    
(90,000
)
    
(90,000
)
                                 
Securities available for sale:
                                
Gross realized gains
    
35,009
      
77,386
      
165,018
      
214,303
  
Gross realized losses
    
(2,521
)
    
(27,651
)
    
(3,536
)
    
(38,918
)
Other than temporary impairments
    
(26,290
)
    
-
      
(77,497
)
    
-
  
                                 
Other assets:
                                
Gross realized gains
    
1,731,939
      
352,151
      
2,187,271
      
720,082
  
Gross realized losses
    
(404,132
)
    
(116,920
)
    
(367,306
)
    
(116,921
)
Other than temporary impairments
    
-
      
(353,776
)
    
-
      
(353,776
)
Total
  
$
1,296,488
    
$
46,134
    
$
2,106,121
    
$
524,979
  

15
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)

3)  Investments (Continued)
 
The net carrying amount of held to maturity securities sold was $2,543,312 and $1,599,184 for the nine months ended September 30, 2015 and 2014, respectively.  The net realized gain related to these sales was $330,373 and $18,051 for the nine months ended September 30, 2015 and 2014, respectively.

There were no investments, aggregated by issuer, in excess of 10% of shareholders' equity (before net unrealized gains and losses on available for sale securities) at September 30, 2015, other than investments issued or guaranteed by the United States Government.
Major categories of net investment income are as follows:
   
Three Months Ended
September 30
    
Nine Months Ended
September 30
  
   
2015
    
2014
    
2015
    
2014
  
Fixed maturity securities
  
$
2,014,014
    
$
2,036,407
    
$
6,139,698
    
$
6,212,852
  
Equity securities
    
61,238
      
73,110
      
175,954
      
163,109
  
Mortgage loans on real estate
    
1,754,852
      
2,216,711
      
5,396,016
      
5,605,882
  
Real estate
    
2,320,242
      
2,125,374
      
6,674,594
      
6,416,939
  
Policy loans
    
219,916
      
195,138
      
597,101
      
574,393
  
Short-term investments,  principally gains on sale of mortgage loans and other
    
4,777,404
      
3,831,378
      
13,741,796
      
8,512,479
  
Gross investment income
    
11,147,666
      
10,478,118
      
32,725,159
      
27,485,654
  
Investment expenses
    
(2,715,252
)
    
(2,286,156
)
    
(7,879,228
)
    
(6,943,905
)
Net investment income
  
$
8,432,414
    
$
8,191,962
    
$
24,845,931
    
$
20,541,749
  
Net investment income includes income earned by the restricted assets of the cemeteries and mortuaries of $119,963 and $96,370 for the three months ended September 30, 2015 and 2014, respectively, and $306,449 and $268,729 for the nine months ended September 30, 2015 and 2014, respectively.
Net investment income on real estate consists primarily of rental revenue.
Investment expenses consist primarily of depreciation, property taxes, operating expenses of real estate and an estimated portion of administrative expenses relating to investment activities.
Securities on deposit for regulatory authorities as required by law amounted to $9,065,847 at September 30, 2015 and $8,886,001 at December 31, 2014. The restricted securities are included in various assets under investments on the accompanying condensed consolidated balance sheets.
Mortgage Loans

Mortgage loans consist of first and second mortgages. The mortgage loans bear interest at rates ranging from 2.0% to 10.5%, maturity dates range from nine months to 30 years and are secured by real estate. Concentrations of credit risk arise when a number of mortgage loan debtors have similar economic characteristics that would cause their ability to meet contractual obligations to be similarly affected by changes in economic conditions. Although the Company has a diversified mortgage loan portfolio consisting of residential mortgages, commercial loans and residential construction loans and requires collateral on all real estate exposures, a substantial portion of its debtors' ability to honor obligations is reliant on the economic stability of the geographic region in which the debtors do business. At September 30, 2015, the Company had 44%, 17%, 12%, 9%, and 5% of its mortgage loans from borrowers located in the states of Utah, California, Texas, Florida, and Oregon, respectively. The mortgage loans on real estate balances on the consolidated balance sheet are reflected net of an allowance for loan losses of $1,856,694 and $2,003,055 at September 30, 2015 and December 31, 2014, respectively.

16
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)

3)  Investments (Continued)
 
The following is a summary of the allowance for loan losses as a contra-asset account for the periods presented:

Allowance for Credit Losses and Recorded Investment in Mortgage Loans
  
                 
   
Commercial
    
Residential
    
Residential Construction
    
Total
  
September 30, 2015
                
Allowance for credit losses:
                
Beginning balance - January 1, 2015
  
$
187,129
    
$
1,715,812
    
$
100,114
    
$
2,003,055
  
   Charge-offs
    
-
      
-
      
-
      
-
  
   Provision
    
-
      
(146,361
)
    
-
      
(146,361
)
Ending balance -September 30, 2015
  
$
187,129
    
$
1,569,451
    
$
100,114
    
$
1,856,694
  
                                 
Ending balance: individually evaluated for impairment
  
$
-
    
$
198,818
    
$
-
    
$
198,818
  
                                 
Ending balance: collectively evaluated for impairment
  
$
187,129
    
$
1,370,634
    
$
100,114
    
$
1,657,877
  
                                 
Ending balance: loans acquired with deteriorated credit quality
  
$
-
    
$
-
    
$
-
    
$
-
  
                                 
Mortgage loans:
                                
Ending balance
  
$
36,601,043
    
$
48,076,245
    
$
28,862,660
    
$
113,539,948
  
                                 
Ending balance: individually evaluated for impairment
  
$
-
    
$
2,989,318
    
$
-
    
$
2,989,318
  
                                 
Ending balance: collectively evaluated for impairment
  
$
36,601,043
    
$
45,086,928
    
$
28,862,660
    
$
110,550,631
  
                                 
Ending balance: loans acquired with deteriorated credit quality
  
$
-
    
$
-
    
$
-
    
$
-
  
                                 
December 31, 2014
                                
Allowance for credit losses:
                                
Beginning balance - January 1, 2014
  
$
187,129
    
$
1,364,847
    
$
100,114
    
$
1,652,090
  
   Charge-offs
    
-
      
(38,444
)
    
-
      
(38,444
)
   Provision
    
-
      
389,409
      
-
      
389,409
  
Ending balance - December 31, 2014
  
$
187,129
    
$
1,715,812
    
$
100,114
    
$
2,003,055
  
                                 
Ending balance: individually evaluated for impairment
  
$
-
    
$
153,446
    
$
-
    
$
153,446
  
                                 
Ending balance: collectively evaluated for impairment
  
$
187,129
    
$
1,562,366
    
$
100,114
    
$
1,849,609
  
                                 
Ending balance: loans acquired with deteriorated credit quality
  
$
-
    
$
-
    
$
-
    
$
-
  
                                 
Mortgage loans:
                                
Ending balance
  
$
35,388,756
    
$
53,592,433
    
$
33,071,938
    
$
122,053,127
  
                                 
Ending balance: individually evaluated for impairment
  
$
-
    
$
1,556,182
    
$
414,499
    
$
1,970,681
  
                                 
Ending balance: collectively evaluated for impairment
  
$
35,388,756
    
$
52,036,251
    
$
32,657,439
    
$
120,082,446
  
                                 
Ending balance: loans acquired with deteriorated credit quality
  
$
-
    
$
-
    
$
-
    
$
-
  

17
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)
 

3)  Investments (Continued)
 
The following is a summary of the aging of mortgage loans for the periods presented:
 
Age Analysis of Past Due Mortgage Loans
  
                                     
   
30-59 Days
 Past Due
    
60-89 Days
 Past Due
    
Greater Than
 90 Days (1)
    
In
Foreclosure
 (1)
    
Total
 Past Due
    
Current
    
Total
 Mortgage
 Loans
    
Allowance
 for
 Loan
 Losses
    
Net
 Mortgage
 Loans
  
September 30, 2015
                                  
Commercial
  
$
-
    
$
-
    
$
-
    
$
-
    
$
-
    
$
36,601,043
    
$
36,601,043
    
$
(187,129
)
  
$
36,413,914
  
Residential
    
1,183,084
      
960,999
      
2,207,683
      
2,989,318
      
7,341,084
      
40,735,161
      
48,076,245
      
(1,569,451
)
    
46,506,794
  
Residential
   Construction
    
-
      
-
      
64,895
      
-
      
64,895
      
28,797,765
      
28,862,660
      
(100,114
)
    
28,762,546
  
                                                                         
Total
  
$
1,183,084
    
$
960,999
    
$
2,272,578
    
$
2,989,318
    
$
7,405,979
    
$
106,133,969
    
$
113,539,948
    
$
(1,856,694
)
  
$
111,683,254
  
                                                                         
December 31, 2014
                                                                  
Commercial
  
$
-
    
$
-
    
$
-
    
$
-
    
$
-
    
$
35,388,756
    
$
35,388,756
    
$
(187,129
)
  
$
35,201,627
  
Residential
    
1,631,142
      
1,174,516
      
5,464,901
      
1,556,182
      
9,826,741
      
43,765,692
      
53,592,433
      
(1,715,812
)
    
51,876,621
  
Residential
   Construction
    
-
      
-
      
64,895
      
414,499
      
479,394
      
32,592,544
      
33,071,938
      
(100,114
)
    
32,971,824
  
                                                                         
Total
  
$
1,631,142
    
$
1,174,516
    
$
5,529,796
    
$
1,970,681
    
$
10,306,135
    
$
111,746,992
    
$
122,053,127
    
$
(2,003,055
)
  
$
120,050,072
  
(1) Interest income is not recognized on loans past due greater than 90 days or in foreclosure.
 

18
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)

3)  Investments (Continued)
 
Impaired Mortgage Loans

Impaired mortgage loans include loans with a related specific valuation allowance or loans whose carrying amount has been reduced to the expected collectible amount because the impairment has been considered other than temporary. The recorded investment in and unpaid principal balance of impaired loans along with the related loan specific allowance for losses, if any, for each reporting period and the average recorded investment and interest income recognized during the time the loans were impaired were as follows:

Impaired Loans
  
                     
   
Recorded
Investment
    
Unpaid
 Principal
 Balance
    
Related
Allowance
    
Average
 Recorded
 Investment
    
Interest
 Income
 Recognized
  
September 30, 2015
                    
With no related allowance recorded:
                    
   Commercial
  
$
-
    
$
-
    
$
-
    
$
-
    
$
-
  
   Residential
    
-
      
-
      
-
      
-
      
-
  
   Residential construction
    
-
      
-
      
-
      
-
      
-
  
                                         
With an allowance recorded:
                                        
   Commercial
  
$
-
    
$
-
    
$
-
    
$
-
    
$
-
  
   Residential
    
2,989,318
      
2,989,318
      
198,818
      
2,989,318
      
-
  
   Residential construction
    
-
      
-
      
-
      
-
      
-
  
                                         
Total:
                                        
   Commercial
  
$
-
    
$
-
    
$
-
    
$
-
    
$
-
  
   Residential
    
2,989,318
      
2,989,318
      
198,818
      
2,989,318
      
-
  
   Residential construction
    
-
      
-
      
-
      
-
      
-
  
                                         
December 31, 2014
                                        
With no related allowance recorded:
                                        
   Commercial
  
$
-
    
$
-
    
$
-
    
$
-
    
$
-
  
   Residential
    
-
      
-
      
-
      
-
      
-
  
   Residential construction
    
414,499
      
414,499
      
-
      
414,499
      
-
  
                                         
With an allowance recorded:
                                        
   Commercial
  
$
-
    
$
-
    
$
-
    
$
-
    
$
-
  
   Residential
    
1,556,182
      
1,556,182
      
153,446
      
1,556,182
      
-
  
   Residential construction
    
-
      
-
      
-
      
-
      
-
  
                                         
Total:
                                        
   Commercial
  
$
-
    
$
-
    
$
-
    
$
-
    
$
-
  
   Residential
    
1,556,182
      
1,556,182
      
153,446
      
1,556,182
      
-
  
   Residential construction
    
414,499
      
414,499
      
-
      
414,499
      
-
  


19
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)
 

3)  Investments (Continued)
 
Credit Risk Profile Based on Performance Status

The Company's mortgage loan portfolio is monitored based on performance of the loans. Monitoring a mortgage loan increases when the loan is delinquent or earlier if there is an indication of impairment. The Company defines non-performing mortgage loans as loans 90 days past due or on non-accrual status.

The Company's performing and non-performing mortgage loans were as follows:

Mortgage Loan Credit Exposure
  
Credit Risk Profile Based on Payment Activity
  
                                 
   
Commercial
    
Residential
    
Residential Construction
    
Total
  
   
September
 30, 2015
    
December
 31, 2014
    
September
 30, 2015
    
December
 31, 2014
    
September
 30, 2015
    
December
 31, 2014
    
September
 30, 2015
    
December
 31, 2014
  
                                 
Performing
  
$
36,601,043
    
$
35,388,756
    
$
42,879,244
    
$
46,571,350
    
$
28,797,765
    
$
32,592,544
    
$
108,278,052
    
$
114,552,650
  
Nonperforming
    
-
      
-
      
5,197,001
      
7,021,083
      
64,895
      
479,394
      
5,261,896
      
7,500,477
  
                                                                 
Total
  
$
36,601,043
    
$
35,388,756
    
$
48,076,245
    
$
53,592,433
    
$
28,862,660
    
$
33,071,938
    
$
113,539,948
    
$
122,053,127
  

Non-Accrual Mortgage Loans

Once a loan is past due 90 days, it is the Company's policy to end the accrual of interest income on the loan and write off any income that had been accrued. Interest not accrued on these loans totals $571,000 and $535,000 as of September 30, 2015 and December 31, 2014, respectively.

The following is a summary of mortgage loans on a nonaccrual status for the periods presented.

   
Mortgage Loans on Nonaccrual Status
  
     
   
As of
 September 30
 2015
    
As of
December 31
 2014
  
Residential
  
$
5,197,001
    
$
7,021,083
  
Residential construction
    
64,895
      
479,394
  
Total
  
$
5,261,896
    
$
7,500,477
  

Loan Loss Reserve

The mortgage loan loss reserve is an estimate of probable losses at the balance sheet date that the Company will realize in the future on mortgage loans sold to third party investors.

The loan loss reserve analysis involves mortgage loans that have been sold to third party investors where the Company has received a demand from the investor. There are generally three types of demands: make whole, repurchase, or indemnification. These types of demands are more particularly described as follows:

Make whole demand – A make whole demand occurs when an investor forecloses on a property and then sells the property. The make whole amount is calculated as the difference between the original unpaid principal balance, accrued interest and fees, less the sale proceeds.

Repurchase demand – A repurchase demand usually occurs when there is a significant payment default, error in underwriting or detected loan fraud.

Indemnification demand – On certain loans the Company has negotiated a set fee that is to be paid in lieu of repurchase. The fee varies by investor and by loan product type.

20
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)
 
3) Investments (Continued)
 
When a repurchase demand is received from a third party investor, the relevant data is reviewed and captured so that an estimated future loss can be calculated. The key factors that are used in the estimated loss calculation are as follows: (i) lien position, (ii) payment status, (iii) claim type, (iv) unpaid principal balance, (v) interest rate, and (vi) validity of the demand. Other data is captured and is useful for management purposes; the actual estimated loss is generally based on these key factors. The Company conducts its own review upon the receipt of a repurchase demand. In many instances, the Company is able to resolve the issues relating to the repurchase demand by the third party investor without having to make any payments to the investor.

The following is a summary of the loan loss reserve that is included in other liabilities and accrued expenses:

   
As of
 September 30
 2015
    
As of
December 31
 2014
  
Balance, beginning of period
  
$
1,718,150
    
$
5,506,532
  
Provisions for losses
    
4,673,991
      
3,053,403
  
Charge-offs
    
(640,990
)
    
(6,841,785
)
Balance, end of period
  
$
5,751,151
    
$
1,718,150
  

The Company believes the loan loss reserve represents probable loan losses incurred as of the balance sheet date. Actual loan loss experience could change, in the near-term, from the established reserve based upon claims that could be asserted by third party investors. SecurityNational Mortgage believes there is potential to resolve any alleged claims by third party investors on acceptable terms. If SecurityNational Mortgage is unable to resolve such claims on acceptable terms, legal action may ensue. In the event of legal action by any third party investor, SecurityNational Mortgage believes it has significant defenses to any such action and intends to vigorously defend itself against such action.

4)        Stock-Based Compensation

The Company has four fixed option plans (the "2003 Plan", the "2006 Director Plan", the "2013 Plan" and the "2014 Director Plan"). Compensation expense for options issued of $88,510 and $108,872 has been recognized for these plans for the three months ended September 30, 2015 and 2014, respectively, and $299,986 and $237,398 for the nine months ended September 30, 2015 and 2014, respectively. As of September 30, 2015, the total unrecognized compensation expense related to the options issued in December 2014 was $61,645, which is expected to be recognized over the vesting period of one year. At the Annual Meeting of Stockholders of the Company, held on July 1, 2015, the Company's stockholders approved an amendment to the Company's "2013 Plan" to authorize an additional 450,000 shares of Class A common stock to be available for issuance under the plan, of which up to 200,000 shares of Class A common shares may be issued as up to 200,000 shares of Class C common stock.

The Company generally estimates the expected life of the options based upon the contractual term of the options adjusted for actual experience. Future volatility is estimated based upon the a weighted historical volatility of the Company's Class A common stock and three peer company stocks over a period equal to the estimated life of the options. Common stock issued upon exercise of stock options are generally new share issuances rather than from treasury shares.

21
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)

4)        Stock Based Compensation (Continued)

A summary of the status of the Company's stock incentive plans as of September 30, 2015, and the changes during the nine months ended September 30, 2015, are presented below:

 
Number of
 Class A
 Shares
    
Weighted
Average
Exercise
 Price
  
Number of
 Class C
 Shares
    
Weighted
Average
Exercise
Price
  
             
Outstanding at December 31, 2014
    
512,795
    
$
3.20
      
691,591
    
$
2.00
  
Granted
    
-
              
-
          
Exercised
    
(23,820
)
    
1.85
      
(114,023
)
    
2.14
  
Cancelled
    
(8,846
)
    
2.31
      
-
          
Outstanding at September 30, 2015
    
480,129
    
$
3.28
      
577,568
    
$
2.62
  
                                 
As of September 30, 2015:
                                
Options exercisable
    
447,571
    
$
3.17
      
550,693
    
$
2.51
  
                                 
As of September 30, 2015:
                                
Available options for future grant
    
561,649
              
155,000
          
                               
Weighted average contractual term of options outstanding at September 30, 2015
7.15 years
          
2.43 years
          
                               
Weighted average contractual term of options exercisable at September 30, 2015
7.00 years
          
2.35 years
          
                               
Aggregated intrinsic value of options outstanding at September 30, 2015 (1)
  
$
1,646,768
            
$
2,363,921
          
                               
Aggregated intrinsic value of options exercisable at September 30, 2015 (1)
  
$
1,583,605
            
$
2,312,190
          
                                 
(1) The Company used a stock price of $6.71 as of September 30, 2015 to derive intrinsic value.
  


22
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)

4)  Stock Based Compensation (Continued)
 
A summary of the status of the Company's stock incentive plans as of September 30, 2014, and the changes during the nine months ended September 30, 2014, are presented below:

 
Number of
 Class A
Shares
    
Weighted
Average
Exercise
Price
  
Number of
 Class C
Shares
    
Weighted
Average
Exercise
Price
  
             
Outstanding at December 31, 2013
    
405,133
    
$
2.41
      
508,656
    
$
2.00
  
Granted
    
52,000
      
4.29
      
50,000
      
4.72
  
Exercised
    
(40,468
)
    
1.66
      
-
          
Cancelled
    
(8,201
)
    
2.29
      
-
          
Outstanding at September 30, 2014
    
408,464
    
$
2.75
      
558,656
    
$
2.25
  
                                 
As of September 30, 2014:
                                
Options exercisable
    
334,869
    
$
2.40
      
495,532
    
$
1.92
  
                                 
As of September 30, 2014:
                                
Available options for future grant
    
412,480
              
55,000
          
                               
Weighted average contractual term of options outstanding at September 30, 2014
7.01 years
          
2.57 years
          
                               
Weighted average contractual term of options exercisable at September 30, 2014
6.45 years
          
1.80 years
          
                               
Aggregated intrinsic value of options outstanding at September 30, 2014 (1)
  
$
913,166
            
$
1,524,902
          
                               
Aggregated intrinsic value of options exercisable at September 30, 2014 (1)
  
$
869,804
            
$
1,512,402
          
                                 
(1) The Company used a stock price of $4.97 as of September 30, 2014 to derive intrinsic value.
  


The total intrinsic value (which is the amount by which the fair value of the underlying stock exceeds the exercise price of an option on the exercise date) of stock options exercised during the nine months ended September 30, 2015 and 2014 was $532,418 and $133,141, respectively.

23
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)

5)        Earnings Per Share

The basic and diluted earnings per share amounts were calculated as follows:

    
Three Months Ended
 September 30
    
Nine Months Ended
 September 30
  
   
2015
    
2014
    
2015
    
2014
  
Numerator:
                
Net earnings
  
$
4,889,785
    
$
2,137,822
    
$
10,605,767
    
$
4,900,733
  
Denominator:
                                
Basic weighted-average shares outstanding
    
13,146,617
      
12,455,314
      
13,023,962
      
12,487,646
  
Effect of dilutive securities:
                                
Employee stock options
    
628,485
      
469,451
      
574,224
      
443,704
  
                                 
Diluted weighted-average shares outstanding
    
13,775,102
      
12,924,765
      
13,598,186
      
12,931,350
  
                                 
Basic net earnings per share
  
$
0.37
    
$
0.17
    
$
0.81
    
$
0.39
  
                                 
Diluted net earnings per share
  
$
0.35
    
$
0.17
    
$
0.78
    
$
0.38
  

Net earnings per share amounts have been adjusted for the effect of annual stock dividends. For the three and nine months ended September 30, 2015 and 2014, there were -0- and 56,912 of anti-dilutive employee stock option shares, respectively, that were not included in the computation of diluted net loss per common share as their effect would be anti-dilutive.

6)        Business Segments

Description of Products and Services by Segment

The Company has three reportable business segments: life insurance, cemetery and mortuary, and mortgage. The Company's life insurance segment consists of life insurance premiums and operating expenses from the sale of insurance products sold by the Company's independent agency force and net investment income derived from investing policyholder and segment surplus funds. The Company's cemetery and mortuary segment consists of revenues and operating expenses from the sale of at-need cemetery and mortuary merchandise and services at its mortuaries and cemeteries, pre-need sales of cemetery spaces after collection of 10% or more of the purchase price and the net investment income from investing segment surplus funds. The Company's mortgage segment consists of loan fee income and expenses from the originations of residential and commercial mortgage loans and interest earned and interest expenses from warehousing pre-sold loans before the funds are received from financial institutional investors.

Measurement of Segment Profit or Loss and Segment Assets

The accounting policies of the reportable segments are the same as those described in the Significant Accounting Principles of the form 10K for the year ended December 31, 2014. Intersegment revenues are recorded at cost plus an agreed upon intercompany profit, and are eliminated upon consolidation.

Factors Management Used to Identify the Enterprise's Reportable Segments

The Company's reportable segments are business units that offer different products and are managed separately due to the different products and the need to report to the various regulatory jurisdictions.

24
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)

6)        Business Segments (Continued)

   
Life Insurance
    
Cemetery/
 Mortuary
    
Mortgage
    
Eliminations
    
Consolidated
  
For the Three Months Ended
                    
September 30, 2015
                    
Revenues from external customers
  
$
23,148,090
    
$
3,123,168
    
$
49,223,428
    
$
-
    
$
75,494,686
  
Intersegment revenues
    
3,206,703
      
292,445
      
76,159
      
(3,575,307
)
    
-
  
Segment profit before income taxes
    
3,655,998
      
250,111
      
3,888,291
      
-
      
7,794,400
  
                                         
For the Three Months Ended
                                        
September 30, 2014
                                        
Revenues from external customers
  
$
21,552,754
    
$
2,707,908
    
$
37,465,130
    
$
-
    
$
61,725,792
  
Intersegment revenues
    
2,407,685
      
331,415
      
166,043
      
(2,905,143
)
    
-
  
Segment profit before income taxes
    
1,986,732
      
(119,548
)
    
1,509,956
      
-
      
3,377,140
  
                                         
For the Nine Months Ended
                                        
September 30, 2015
                                        
Revenues from external customers
  
$
65,610,558
    
$
9,436,496
    
$
140,537,879
    
$
-
    
$
215,584,933
  
Intersegment revenues
    
8,884,390
      
910,016
      
256,950
      
(10,051,356
)
    
-
  
Segment profit before income taxes
    
7,175,036
      
811,261
      
9,038,439
      
-
      
17,024,736
  
                                         
Identifiable Assets
    
709,683,255
      
100,760,704
      
71,954,237
      
(133,002,358
)
    
749,395,838
  
Goodwill
    
2,765,570
      
-
      
-
      
-
      
2,765,570
  
                                         
For the Nine Months Ended
                                        
September 30, 2014
                                        
Revenues from external customers
  
$
59,836,068
    
$
9,283,357
    
$
97,071,373
    
$
-
    
$
166,190,798
  
Intersegment revenues
    
6,825,600
      
1,002,027
      
561,438
      
(8,389,065
)
    
-
  
Segment profit before income taxes
    
4,833,627
      
232,141
      
2,664,456
      
-
      
7,730,224
  
                                         
Identifiable Assets
    
646,540,190
      
106,836,565
      
56,961,903
      
(149,825,928
)
    
660,512,730
  
Goodwill
    
2,765,570
      
285,191
      
-
      
-
      
3,050,761
  

25
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)


7)        Fair Value of Financial Instruments

Generally accepted accounting principles (GAAP) defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants. GAAP also specifies a fair value hierarchy based upon the observability of inputs used in valuation techniques. Observable inputs (highest level) reflect market data obtained from independent sources, while unobservable inputs (lowest level) reflect internally developed market assumptions. Fair value measurements are classified under the following hierarchy:

Level 1:      Financial assets and financial liabilities whose values are based on unadjusted quoted prices for identical assets or liabilities in an active market that we can access.

Level 2:    Financial assets and financial liabilities whose values are based on the following:
 
a)
Quoted prices for similar assets or liabilities in active markets;
   
b)
 Quoted prices for identical or similar assets or liabilities in non-active markets; or
   
c)
Valuation models whose inputs are observable, directly or indirectly, for substantially the full term of the asset or liability.

Level 3:        Financial assets and financial liabilities whose values are based on prices or valuation techniques that require inputs that are both unobservable and significant to the overall fair value measurement. These inputs may reflect our estimates of the assumptions that market participants would use in valuing the financial assets and financial liabilities.

The Company utilizes a combination of third party valuation service providers, brokers, and internal valuation models to determine fair value.

The following methods and assumptions were used by the Company in estimating the fair value disclosures related to other significant financial instruments:

The items shown under Level 1 and Level 2 are valued as follows:

Securities Available for Sale and Held to Maturity: The fair values of investments in fixed maturity and equity securities along with methods used to estimate such values are disclosed in Note 3 of the Notes to Condensed Consolidated Statements.

Restricted Assets: A portion of these assets include mutual funds and equity securities that have quoted market prices. Also included are cash and cash equivalents and participations in mortgage loans. The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values.

Cemetery Perpetual Care Trust Investments:  A portion of these assets include equity securities that have quoted market prices. Also included are cash and cash equivalents. The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values.

Call and Put Options: The Company uses quoted market prices to value its call and put options.

The items shown under Level 3 are valued as follows:

Policyholder Account Balances and Future Policy Benefits-Annuities:  Future policy benefit reserves for interest-sensitive insurance products are computed under a retrospective deposit method and represent policy account balances before applicable surrender charges. Policy benefits and claims that are charged to expense include benefit claims incurred in the period in excess of related policy account balances. Interest crediting rates for interest-sensitive insurance products ranged from 4% to 6.5%. The fair values for the Company's liabilities under investment-type insurance contracts (disclosed as policyholder account balances and future policy benefits – annuities) are estimated based on the contracts' cash surrender values.

26
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)

7)        Fair Value of Financial Instruments (Continued)

The fair values for the Company's insurance contracts other than investment-type contracts are not required to be disclosed. However, the fair values of liabilities under all insurance contracts are taken into consideration in the Company's overall management of interest rate risk, such that the Company's exposure to changing interest rates is minimized through the matching of investment maturities with amounts due under insurance contracts.

Interest Rate Lock Commitments: The Company's mortgage banking activities enters into interest rate lock commitments with potential borrowers and forward commitments to sell loans to third-party investors. The Company also implements a hedging strategy for these transactions. A mortgage loan commitment binds the Company to lend funds to a qualified borrower at a specified interest rate and within a specified period of time, generally up to 30 days after inception of the mortgage loan commitment. Mortgage loan commitments are defined to be derivatives under generally accepted accounting principles and are recognized at fair value on the consolidated balance sheet with changes in their fair values recorded as part of other comprehensive income from mortgage banking operations.

The Company estimates the fair value of a mortgage loan commitment based on the change in estimated fair value of the underlying mortgage loan and the probability that the mortgage loan will fund within the terms of the commitment. The change in fair value of the underlying mortgage loan is measured from the date the mortgage loan commitment is issued. Therefore, at the time of issuance, the estimated fair value is zero. Following issuance, the value of a mortgage loan commitment can be either positive or negative depending upon the change in value of the underlying mortgage loans. Fallout rates derived from the Company's recent historical empirical data are used to estimate the quantity of mortgage loans that will fund within the terms of the commitments.

Bank Loan Interest Rate Swaps: Management considers the interest rate swap instruments to be an effective cash flow hedge against the variable interest rate on bank borrowings since the interest rate swap mirrors the term of the note payable and expires on the maturity date of the bank loan it hedges. The interest rate swaps are a derivative financial instruments carried at its fair value. The fair value of the interest rate swap was derived from a proprietary model of the bank from whom the interest rate swap was purchased and to whom the note is payable.

Mortgage Loans on Real Estate: The fair values are estimated using interest rates currently being offered for similar loans to borrowers with similar credit ratings. Loans with similar characteristics are aggregated for purposes of the calculations. The carrying amounts reported in the accompanying condensed consolidated balance sheet for these financial instruments approximate their fair values.

Real Estate Held for Investment: The Company believes that in an orderly market, fair value will approximate the replacement cost of a home and the rental income provides a cash flow stream for investment analysis. The Company believes the highest and best use of the properties are as income producing assets since it is the Company's intent to hold the properties as rental properties, matching the income from the investment in rental properties with the funds required for future estimated policy claims. Accordingly, the fair value determination will be weighted more heavily toward the rental analysis.

It should be noted that for replacement cost, when determining the fair value of mortgage properties, the Company uses Marshall and Swift, a provider of building cost information to the real estate construction industry. For the investment analysis, the Company used market data based upon its real estate operation experience and projected the present value of the net rental income over seven years. The Company used 60% of the projected cash flow analysis and 40% of the replacement cost to approximate fair value of the collateral.

In addition to this analysis performed by the Company, the Company depreciates Other Real Estate Held for Investment. This depreciation reduces the book value of these properties and lessens the exposure to the Company from further deterioration in real estate values.

Mortgage Servicing Rights: The Company initially recognizes MSRs at their estimated fair values derived from the net cash flows associated with the servicing contracts, where the Company assumes the obligation to service the loan in the sale transaction. The precise fair value of MSRs cannot be readily determined because MSRs are not actively traded in stand-alone markets. Considerable judgment is required to estimate the fair values of these assets and the exercise of such judgment can significantly affect the Company's earnings.
 
The Company's subsequent accounting for MSRs is based on the class of MSRs. The Company has identified two classes of MSRs: MSRs backed by mortgage loans with initial term of 30 years and MSRs backed by mortgage loans with initial term of 15 years. The Company distinguishes between these classes of MSRs due to their differing sensitivities to change in value as the result of changes in market. After being initially recorded at fair value, MSRs backed by mortgage loans are accounted for using the amortization method. MSR amortization is determined by amortizing the balance straight-line over an estimated nine year life.

27
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)

7)  Fair Value of Financial Instruments (Continued)
 
The Company periodically assesses MSRs for impairment. Impairment occurs when the current fair value of the MSR falls below the asset's carrying value (carrying value is the amortized cost reduced by any related valuation allowance). If MSRs are impaired, the impairment is recognized in current-period earnings and the carrying value of the MSRs is adjusted through a valuation allowance.

Management periodically reviews the various loan strata to determine whether the value of the MSRs in a given stratum is impaired and likely to recover. When management deems recovery of the value to be unlikely in the foreseeable future, a write-down of the cost of the MSRs for that stratum to its estimated recoverable value is charged to the valuation allowance.

The following tables summarize Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a recurring basis by their classification in the condensed consolidated balance sheet at September 30, 2015.

   
Total
    
Quoted Prices
 in
 Active
 Markets for
 Identical
 Assets
 (Level 1)
    
Significant Observable
 Inputs
 (Level 2)
    
Significant Unobservable
 Inputs
 (Level 3)
  
Assets accounted for at fair value on a recurring basis
                
Common stock
  
$
7,208,726
    
$
7,208,726
    
$
-
    
$
-
  
Total securities available for sale
  
$
7,208,726
    
$
7,208,726
    
$
-
    
$
-
  
                                 
Restricted assets of cemeteries and mortuaries
  
$
670,390
    
$
670,390
    
$
-
    
$
-
  
Cemetery perpetual care trust investments
    
609,303
      
609,303
      
-
      
-
  
Derivatives - interest rate lock commitments
    
4,756,170
      
-
      
-
      
4,756,170
  
Total assets accounted for at fair value on a recurring basis
  
$
13,244,589
    
$
8,488,419
    
$
-
    
$
4,756,170
  
                                 
Liabilities accounted for at fair value on a  recurring basis
                                
Policyholder account balances
  
$
(50,915,543
)
  
$
-
    
$
-
    
$
(50,915,543
)
Future policy benefits - annuities
    
(63,289,669
)
    
-
      
-
      
(63,289,669
)
Derivatives  - call options
    
(6,715
)
    
(6,715
)
    
-
      
-
  
   - put options
    
(103,684
)
    
(103,684
)
    
-
      
-
  
   - interest rate lock commitments
    
(518,227
)
    
-
      
-
      
(518,227
)
Total liabilities accounted for at fair value on a recurring basis
  
$
(114,833,838
)
  
$
(110,399
)
  
$
-
    
$
(114,723,439
)
 
28
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)

7)  Fair Value of Financial Instruments (Continued)
 
Following is a summary of changes in the condensed consolidated balance sheet line items measured using level 3 inputs:

   
Policyholder
Account
 Balances
    
Future
 Policy
Benefits -
Annuities
    
Interest
 Rate Lock Commitments
    
Bank Loan
 Interest
Rate Swaps
  
                 
Balance - December 31, 2014
  
$
(45,310,699
)
  
$
(65,540,985
)
  
$
1,929,851
    
$
(31,370
)
                                 
Total gains (losses):
                                
                                 
Included in earnings
    
(5,604,844
)
    
2,251,316
      
-
      
-
  
                                 
Included in other comprehensive income
    
-
      
-
      
2,308,092
      
31,370
  
                                 
Balance - September 30, 2015
  
$
(50,915,543
)
  
$
(63,289,669
)
  
$
4,237,943
    
$
-
  
 
The following tables summarize Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a nonrecurring basis by their classification in the condensed consolidated balance sheet at September 30, 2015.

       
Quoted Prices
          
       
in Active
    
Significant
    
Significant
  
       
Markets for
    
Observable
    
Unobservable
  
       
Identical Assets
    
Inputs
    
Inputs
  
   
Total
    
(Level 1)
    
(Level 2)
    
(Level 3)
  
Assets accounted for at fair value on a nonrecurring basis
                
Mortgage servicing rights
  
$
4,674,218
      
-
      
-
    
$
4,674,218
  
Mortgage loans on real estate
    
320,000
      
-
      
-
      
320,000
  
Total assets accounted for at fair value on a nonrecurring basis
  
$
4,994,218
    
$
-
    
$
-
    
$
4,994,218
  


29
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)

7)  Fair Value of Financial Instruments (Continued)

The following tables summarize Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a recurring basis by their classification in the condensed consolidated balance sheet at December 31, 2014.

   
Total
    
Quoted Prices in Active Markets for Identical Assets
 (Level 1)
    
Significant Observable Inputs
 (Level 2)
    
Significant Unobservable Inputs
 (Level 3)
  
Assets accounted for at fair value on a recurring basis
                
Common stock
  
$
6,752,750
    
$
6,752,750
    
$
-
    
$
-
  
Total securities available for sale
  
$
6,752,750
    
$
6,752,750
    
$
-
    
$
-
  
                                 
Restricted assets of cemeteries and mortuaries
  
$
715,202
    
$
715,202
    
$
-
    
$
-
  
Cemetery perpetual care trust investments
    
695,235
      
695,235
      
-
      
-
  
Derivatives - interest rate lock commitments
    
2,111,529
      
-
      
-
      
2,111,529
  
Total assets accounted for at fair value on a recurring basis
  
$
10,274,716
    
$
8,163,187
    
$
-
    
$
2,111,529
  
Liabilities accounted for at fair value on a recurring basis
                                
Policyholder account balances
  
$
(45,310,699
)
  
$
-
    
$
-
    
$
(45,310,699
)
Future policy benefits - annuities
    
(65,540,985
)
    
-
      
-
      
(65,540,985
)
Derivatives - bank loan interest rate swaps
    
(31,370
)
    
-
      
-
      
(31,370
)
                   - call options
    
(116,036
)
    
(116,036
)
    
-
      
-
  
                   - put options
    
(11,867
)
    
(11,867
)
    
-
      
-
  
                   - interest rate lock commitment
    
(181,678
)
    
-
      
-
      
(181,678
)
Total liabilities accounted for at fair value on a recurring basis
  
$
(111,192,635
)
  
$
(127,903
)
  
$
-
    
$
(111,064,732
)

Following is a summary of changes in the condensed consolidated balance sheet line items measured using level 3 inputs:
 
   
Policyholder
Account
 Balances
    
Future Policy
Benefits -
Annuities
    
Interest
 Rate Lock Commitments
    
Bank Loan
 Interest Rate
Swaps
  
Balance - December 31, 2013
  
$
(48,000,668
)
  
$
(65,052,928
)
  
$
1,487,908
    
$
(58,310
)
Total gains (losses):
                                
Included in earnings
    
2,689,969
      
(488,057
)
    
-
      
-
  
Included in other
                                
comprehensive income
    
-
      
-
      
441,943
      
26,940
  
Balance - December 31, 2014
  
$
(45,310,699
)
  
$
(65,540,985
)
  
$
1,929,851
    
$
(31,370
)


30
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)

7)  Fair Value of Financial Instruments (Continued)

The following tables summarize Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a nonrecurring basis by their classification in the condensed consolidated balance sheet at December 31, 2014.

       
Quoted Prices
          
       
in Active
    
Significant
    
Significant
  
       
Markets for
    
Observable
    
Unobservable
  
       
Identical Assets
    
Inputs
    
Inputs
  
   
Total
    
(Level 1)
    
(Level 2)
    
(Level 3)
  
               
Assets accounted for at fair value on a nonrecurring basis
                
Mortgage servicing rights
  
$
3,741,381
      
-
      
-
    
$
3,741,381
  
Real estate held for investment
    
53,500
      
-
      
-
      
53,500
  
                               
Total assets accounted for at fair value on a nonrecurring basis
  
$
3,794,881
    
$
-
    
$
-
    
$
3,794,881
  

Fair Value of Financial Instruments Carried at Other Than Fair Value

ASC 825, Financial Instruments, requires disclosure of fair value information about financial instruments, whether or not recognized in the balance sheet, for which it is practicable to estimate that value.

Management uses its best judgment in estimating the fair value of the Company's financial instruments; however, there are inherent limitations in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates presented herein are not necessarily indicative of the amounts the Company could have realized in a sales transaction at September 30, 2015 and December 31, 2014. The estimated fair value amounts for September 30, 2015 and December 31, 2014 have been measured as of period-end, and have not been reevaluated or updated for purposes of these Condensed Consolidated Financial Statements subsequent to those dates. As such, the estimated fair values of these financial instruments subsequent to the reporting date may be different than the amounts reported at period-end.

The carrying values and estimated fair values for such financial instruments, and their corresponding placement in the fair value hierarchy, are summarized as follows as of September 30, 2015:
 
   
Carrying Value
    
Level 1
    
Level 2
    
Level 3
    
Total
Estimated
 Fair
 Value
  
Assets
                    
Mortgage loans:
                    
Residential
  
$
46,506,794
    
$
-
    
$
-
    
$
49,579,568
    
$
49,579,568
  
Residential construction
    
28,762,546
      
-
      
-
      
28,762,546
      
28,762,546
  
Commercial
    
36,413,914
      
-
      
-
      
38,062,674
      
38,062,674
  
Mortgage loans, net
  
$
111,683,254
    
$
-
    
$
-
    
$
116,404,788
    
$
116,404,788
  
Policy loans
    
7,038,768
      
-
      
-
      
7,038,768
      
7,038,768
  
Other loans
    
27,422,787
      
-
      
-
      
27,422,787
      
27,422,787
  
Short-term investments
    
19,980,369
      
-
      
-
      
19,980,369
      
19,980,369
  
                                         
Liabilities
                                        
Bank and other loans payable
  
$
(39,535,964
)
  
$
-
    
$
-
    
$
(39,535,964
)
  
$
(39,535,964
)

31
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)

7)  Fair Value of Financial Instruments (Continued)
 
The carrying values and estimated fair values for such financial instruments, and their corresponding placement in the fair value hierarchy, are summarized as follows as of December 31, 2014:
 
   
Carrying Value
    
Level 1
    
Level 2
    
Level 3
    
Total
Estimated
Fair Value
  
Assets
                    
Mortgage loans:
                    
Residential
  
$
51,876,621
    
$
-
    
$
-
    
$
55,247,638
    
$
55,247,638
  
Residential construction
    
32,971,824
      
-
      
-
      
32,971,824
      
32,971,824
  
Commercial
    
35,201,627
      
-
      
-
      
36,829,266
      
36,829,266
  
Mortgage loans, net
  
$
120,050,072
    
$
-
    
$
-
    
$
125,048,728
    
$
125,048,728
  
Policy loans
    
7,011,012
      
-
      
-
      
7,011,012
      
7,011,012
  
Other loans
    
27,114,416
      
-
      
-
      
27,114,416
      
27,114,416
  
Short-term investments
    
27,059,495
      
-
      
-
      
27,059,495
      
27,059,495
  
                                         
Liabilities
                                        
Bank and other loans payable
  
$
(28,989,008
)
  
$
-
    
$
-
    
$
(28,989,008
)
  
$
(28,989,008
)

The methods, assumptions and significant valuation techniques and inputs used to estimate the fair value of financial instruments are summarized as follows:

Mortgage Loans on Real Estate: The estimated fair value of the Company's mortgage loans is determined using various methods. The Company's mortgage loans are grouped into three categories: Residential, Residential Construction and Commercial. When estimating the expected future cash flows, it is assumed that all loans will be held to maturity, and any loans that are non-performing are evaluated individually for impairment.

Residential – The estimated fair value of mortgage loans originated prior to 2013 is determined by estimating expected future cash flows of interest payments and discounting them using current interest rates from single family mortgages. The estimated fair value of mortgage loans originated in 2013, 2014 and 2015 is determined from pricing of similar loans that were sold in 2013 and 2014.

Residential Construction – These loans are primarily short in maturity (4-6 months) accordingly, the estimated fair value is determined to be the net book value.

Commercial – The estimated fair value is determined by estimating expected future cash flows of interest payments and discounting them using current interest rates for commercial mortgages.

Policy and Other Loans: The carrying amounts reported in the accompanying condensed consolidated balance sheet for these financial instruments approximate their fair values.

Short-Term Investments: The carrying amounts reported in the accompanying condensed consolidated balance sheet for these financial instruments approximate their fair values.

Bank and Other Loans Payable: The carrying amounts reported in the accompanying condensed consolidated balance sheet for these financial instruments approximate their fair values.

32
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)


8)  Allowance for Doubtful Accounts, Allowance for Loan Losses and Impaired Loans

The Company records an allowance and recognizes an expense for potential losses from mortgage loans, other loans and receivables in accordance with generally accepted accounting principles.

Receivables are the result of cemetery and mortuary operations, mortgage loan operations and life insurance operations. The allowance is based upon the Company's historical experience for collectively evaluated impairment. Other allowances are based upon receivables individually evaluated for impairment. Collectability of the cemetery and mortuary receivables is significantly influenced by current economic conditions. The critical issues that impact recovery of mortgage loan operations are interest rate risk, loan underwriting, new regulations and the overall economy.

The Company provides allowances for losses on its mortgage loans held for investment through an allowance for loan losses. The allowance is comprised of two components. The first component is an allowance for collectively evaluated impairment that is based upon the Company's historical experience in collecting similar receivables. The second component is based upon individual evaluation of loans that are determined to be impaired. Upon determining impairment the Company establishes an individual impairment allowance based upon an assessment of the fair value of the underlying collateral. See the schedules in Note 3 for additional information. In addition, when a mortgage loan is past due more than 90 days, the Company does not accrue any interest income. When a loan becomes delinquent, the Company proceeds to foreclose on the real estate and all expenses for foreclosure are expensed as incurred. Once foreclosed, an adjustment for the lower of cost or fair value is made, if necessary, and the amount is classified as other real estate owned held for investment or sale. The Company will rent the properties until it is deemed desirable to sell them.

The allowance for losses on mortgage loans held for investment could change based on changes in the value of the underlying collateral, the performance status of the loans, or the Company's actual collection experience. The actual losses could change, in the near term, from the established allowance, based upon the occurrence or non-occurrence of these events.

9)        Derivative Commitments

The Company is exposed to price risk due to the potential impact of changes in interest rates on the values of mortgage loan commitments from the time a derivative loan commitment is made to an applicant to the time the loan that would result from the exercise of that loan commitment is funded. Managing price risk is complicated by the fact that the ultimate percentage of derivative loan commitments that will be exercised (i.e., the number of loan commitments that will be funded) fluctuates. The probability that a loan will not be funded within the terms of the commitment is driven by a number of factors, particularly the change, if any, in mortgage rates following the inception of the interest rate lock. However, many borrowers continue to exercise derivative loan commitments even when interest rates have fallen.

In general, the probability of funding increases if mortgage rates rise and decreases if mortgage rates fall. This is due primarily to the relative attractiveness of current mortgage rates compared to the applicant's committed rate. The probability that a loan will not be funded within the terms of the mortgage loan commitment also is influenced by the source of the applications (retail, broker or correspondent channels), proximity to rate lock expiration, purpose for the loan (purchase or refinance) product type and the application approval status. The Company has developed fallout estimates using historical data that take into account all of the variables, as well as renegotiations of rate and point commitments that tend to occur when mortgage rates fall. These fallout estimates are used to estimate the number of loans that the Company expects to be funded within the terms of the mortgage loan commitments and are updated periodically to reflect the most current data.

The Company estimates the fair value of a mortgage loan commitment based on the change in estimated fair value of the underlying mortgage loan and the probability that the mortgage loan will fund within the terms of the commitment. The change in fair value of the underlying mortgage loan is measured from the date the mortgage loan commitment is issued. Therefore, at the time of issuance, the estimated fair value is zero. Following issuance, the value of a mortgage loan commitment can be either positive or negative depending upon the change in value of the underlying mortgage loans. Fallout rates derived from the Company's recent historical empirical data are used to estimate the quantity of mortgage loans that will fund within the terms of the commitments.

33
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)

9)        Derivative Commitments (Continued)

The Company utilizes forward loan sales commitments to economically hedge the price risk associated with its outstanding mortgage loan commitments. A forward loan sales commitment protects the Company from losses on sales of the loans arising from exercise of the loan commitments by securing the ultimate sales price and delivery date of the loans. Management expects these derivatives will experience changes in fair value opposite to changes in fair value of the derivative loan commitments, thereby reducing earnings volatility related to the recognition in earnings of changes in the values of the commitments.

The Company has adopted a strategy of selling "out of the money" call options on its available for sale equity securities as a source of revenue.  The options give the purchaser the right to buy from the Company specified equity securities at a set price up to a pre-determined date in the future.  The Company has adopted the selling of put options as a means of generating cash or purchasing equity securities at lower than current market prices.  The Company receives an immediate payment of cash for the value of the option and establishes a liability for the fair value of the option. The liability for call and put options is adjusted to fair value at each reporting date. The fair value of outstanding call and put options as of September 30, 2015 and December 31, 2014 was $110,399 and $127,903, respectively.  In the event an option is exercised, the Company recognizes a gain on the sale of the equity security and a gain from the sale of the option. If the option expires unexercised, the Company recognizes a gain from the sale of the option.

The following table shows the fair value of derivatives as of September 30, 2015 and December 31, 2014.

   
Fair Value of Derivative Instruments
  
   
Asset Derivatives
  
Liability Derivatives
  
   
September 30, 2015
    
December 31, 2014
  
September 30, 2015
  
December 31, 2014
  
   
Balance
Sheet
 Location
    
Fair Value
    
Balance Sheet Location
    
Fair Value
  
Balance
Sheet
 Location
  
Fair Value
  
Balance
Sheet
Location
  
Fair Value
  
Derivatives designated as hedging instruments:
                            
                                         
Interest rate lock and forward sales commitments
  
other assets
    
$
4,756,170
    
other assets
    
$
2,111,529
  
Other liabilities
  
$
518,227
  
Other liabilities
  
$
181,678
  
                                                 
Call options
    
--
      
--
      
--
      
--
  
Other liabilities
    
6,715
  
Other liabilities
    
116,036
  
                                                     
Put options
    
--
      
--
      
--
      
--
  
Other liabilities
    
103,684
  
Other liabilities
    
11,867
  
                                                     
Interest rate swaps
    
--
      
--
      
--
      
--
  
Bank loans payable
    
-
  
Bank loans payable
    
31,370
  
                                                     
Total
          
$
4,756,170
            
$
2,111,529
      
$
628,626
      
$
340,951
  

The following table shows the gain (loss) on derivatives for the periods presented. There were no gains or losses reclassified from accumulated other comprehensive income (OCI) into income or gains or losses recognized in income on derivatives ineffective portion or any amounts excluded from effective testing.

 
Net Amount
Gain (Loss)
Recognized
in OCI
  
Net Amount
Gain (Loss)
Recognized
in OCI
  
 
Three Months Ended
September 30
  
Nine Months Ended
September 30
  
Derivative - Cash Flow Hedging Relationships:
2015
  
2014
  
2015
  
2014
  
Interest Rate Lock Commitments
  
$
(1,431,809
)
  
$
(713,276
)
  
$
2,308,092
    
$
525,136
  
Interest Rate Swaps
    
22,659
      
9,655
      
31,370
      
21,955
  
Sub Total
    
(1,409,150
)
    
(703,621
)
    
2,339,462
      
547,091
  
Tax Effect
    
(549,569
)
    
(274,412
)
    
912,390
      
213,366
  
Total
  
$
(859,581
)
  
$
(429,209
)
  
$
1,427,072
    
$
333,725
  


34
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)


10)        Reinsurance, Commitments and Contingencies

Reinsurance

Reinsurance Agreement with North America Life Insurance Company

On May 8, 2015, the Company, through its wholly owned subsidiary, Security National Life, signed a paid-up business offer under the coinsurance agreement effective December 1, 2010 to reinsure certain life insurance policies from North America Life Insurance Company ("North America Life"). Pursuant to the paid-up business offer, North America Life ceded and transferred to Security National Life all contractual obligations and risks under the coinsured policies. Security National Life paid a ceding commission to North America Life in the amount of $281,908. As a result of the ceding commission, North America Life transferred $8,900,282 of cash and $9,182,190 in statutory reserves, or liabilities, to Security National Life.

Reinsurance Agreement with American Republic Insurance Company

On February 11, 2015, the Company, through its wholly owned subsidiary, Security National Life, signed a coinsurance agreement to reinsure certain life insurance policies from American Republic Insurance Company ("American Republic").  The policies were previously reinsured by North America Life under a coinsurance agreement between World Insurance Company ("World Insurance") and North America Life entered into on July 22, 2009 which was commuted.  World Insurance was subsequently purchased by and merged into American Republic.  The current coinsurance agreement is between Security National Life and American Republic and became effective on January 1, 2015.  As part of the coinsurance agreement, American Republic transferred all contractual obligations and risks to Security National Life and Security National Life took control of $15,004,771 of assets in a trust account held by Texas Capital Bank as the trustee.

Mortgage Loan Loss Settlements

The mortgage industry has seen potential loan losses increase. Future loan losses are extremely difficult to estimate, especially in the current market.  However, management believes that the Company's reserve methodology and its current practice of property preservation allow it to estimate its losses on loans sold. The amounts accrued for loan losses for the three months ended September 30, 2015 and 2014 were $1,755,000 and $1,063,000, respectively, and for the nine months ended September 30, 2015 and 2014 were $4,674,000 and $2,007,000, respectively. The estimated liability for indemnification losses is included in other liabilities and accrued expenses and, as of September 30, 2015 and December 31, 2014, the balances were $5,751,000 and $1,718,000, respectively.

Mortgage Loan Loss Demands

Third Party Investors

There have been assertions in third party investor correspondence that SecurityNational Mortgage sold mortgage loans that allegedly contained borrower misrepresentations or experienced early payment defaults, or that were otherwise allegedly defective or not in compliance with agreements between SecurityNational Mortgage and the third party investors consisting principally of financial institutions.  As a result of these claims, third party investors have made demands that SecurityNational Mortgage repurchase certain alleged defective mortgage loans that were sold to such investors or indemnify them against any losses related to such loans.
 
35
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)

10)        Reinsurance, Commitments and Contingencies (Continued)
 
The total amount of potential claims by third party investors is difficult to determine.  The Company has reserved and accrued $5,751,000 as of September 30, 2015 to settle all such investor related claims.  The Company believes that the reserve for mortgage loan loss, which includes provisions for probable losses and indemnification on mortgage loans sold to investors, is reasonable based on available information.  Moreover, the Company has successfully negotiated acceptable settlement terms with other third party investors that asserted claims for mortgage loan losses against SecurityNational Mortgage.

SecurityNational Mortgage disagrees with the repurchase demands and notices of potential claims from third party investors. Furthermore, SecurityNational Mortgage believes there is potential to resolve the alleged claims by the third party investors on acceptable terms. If SecurityNational Mortgage is unable to resolve such claims on acceptable terms, legal action may ensue. In the event of legal action by any third party investor, SecurityNational Mortgage believes it has significant defenses to any such action and intends to vigorously defend itself against such action.

JP Morgan Chase Indemnification Demand

The Company and its wholly owned subsidiary, SecurityNational Mortgage, received a notice of claim for indemnification dated December 21, 2011, from JP Morgan Chase & Co. ("JP Morgan Chase") on behalf of EMC Mortgage, LLC ("EMC Mortgage"), relating to 21 mortgage loans that EMC Mortgage allegedly purchased as a third party investor from SecurityNational Mortgage.  The notice also referenced a guaranty agreement, dated February 23, 2006, by the Company for the benefit of EMC Mortgage.  The indemnification notice additionally stated that EMC Mortgage had been named in a lawsuit by the Bear Stearns Mortgage Funding Trust 2007-AR2 (the "Trust"), which was filed on September 13, 2011 in the Delaware Court of Chancery.

The lawsuit the Trust brought against EMC Mortgage contends that more than 800 residential mortgage loans that EMC Mortgage sold to the Trust (including the 21 loans allegedly originated by SecurityNational Mortgage) contained breaches of representations and warranties with respect to the mortgage loans, as well as defaults and foreclosures in many of such loans.  As a result of the alleged breaches of representations and warranties by EMC Mortgage, the complaint requests that EMC Mortgage be ordered to repurchase from the Trust any loans for which it breached its representations and warranties, in the amount of the mortgage loans' outstanding principal balance and all accrued but unpaid interest.

The indemnification notice from JP Morgan Chase further alleged that the Company and SecurityNational Mortgage are required to indemnify EMC Mortgage for any of its losses arising from the lawsuit that the Trust brought against EMC based upon allegedly untrue statements of material fact related to information that was provided by SecurityNational Mortgage. To the extent the claims in the complaint relate to the 21 mortgage loans that SecurityNational Mortgage allegedly sold to EMC Mortgage, the Company believes it has significant defenses to such claims. The Company intends to vigorously defend itself and SecurityNational Mortgage in the event that JP Morgan Chase were to bring any legal action to require the Company or SecurityNational Mortgage to indemnify it for any loss, liability or expense in connection with the lawsuit that the Trust brought against EMC Mortgage.

Inquiry Regarding FHA Insured Loans

SecurityNational Mortgage has been cooperating with the U.S. Department of Justice and the Office of the Inspector General for the Department of Housing and Urban Development (HUD) in a civil investigation regarding compliance with requirements relating to certain loans insured by the Federal Housing Administration (FHA).  No demand has been made and SecurityNational Mortgage has not established a liability for this matter absent a specific demand because it is not able to estimate a range of reasonably potential loss due to significant uncertainties regarding:  the absence of any specific demand, the potential remedies, including possible defenses, and the lack of information concerning the performance of its FHA insured originations, the majority of which SecurityNational Mortgage does not service. The investigation has focused on loans originated by SecurityNational Mortgage on or after January 1, 2006.  The FHA mortgage loans that SecurityNational Mortgage originated between January 1, 2006 and May 21, 2013 total approximately 45,900 loans with an original principal balance of approximately $7.9 billion.
36
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)

10)  Reinsurance, Commitments and Contingencies (Continued)
 
Mortgage Loan Loss Litigation

For a description of the litigation involving SecurityNational Mortgage and Lehman Brothers and Aurora Loan Services, reference is to Part II, Item 1. Legal Proceedings.

Other Contingencies and Commitments

The Company has entered into commitments to fund new residential construction loans. As of September 30, 2015, the Company's commitments were $48,354,000 for these loans of which $28,863,000 had been funded. The Company will advance funds once the work has been completed and an independent inspection is made. The maximum loan commitment ranges between 50% and 80% of appraised value. The Company receives fees from the borrowers and the interest rate is generally 2% to 6.75% over the bank prime rate (3.25% as of September 30, 2015). Maturities range between six and twelve months.

The Company is not a party to any other material legal proceedings outside the ordinary course of business or to any other legal proceedings, which, if adversely determined, would have a material adverse effect on its financial condition or results of operations.

11)      Mortgage Servicing Rights

The following is a summary of the MSR activity for the periods presented.

   
As of
September 30
 2015
    
As of
December 31
 2014
  
Amortized cost:
        
Balance before valuation allowance at beginning of year
  
$
7,834,747
    
$
4,844,101
  
MSRs proceeds from loan sales
    
4,674,218
      
3,741,381
  
Amortization
    
(934,626
)
    
(750,735
)
Application of valuation allowance to write down MSRs with other than temporary impairment
    
-
      
-
  
Balance before valuation allowance at year end
  
$
11,574,339
    
$
7,834,747
  
                 
Valuation allowance for impairment of MSRs:
                
Balance at beginning of year
  
$
-
    
$
-
  
Additions
    
-
      
-
  
Application of valuation allowance to write down MSRs with other than temporary impairment
    
-
      
-
  
Balance at end of period
  
$
-
    
$
-
  
                 
Mortgage servicing rights, net
  
$
11,574,339
    
$
7,834,747
  
                 
Estimated fair value of MSRs at end of period
  
$
12,093,178
    
$
8,485,570
  
 
The Company reports these MSRs pursuant to the accounting policy discussed in Note 7.

37
SECURITY NATIONAL FINANCIAL CORPORATION AND SUBSIDIARIES
Notes to Condensed Consolidated Financial Statements
September 30, 2015 (Unaudited)


12)        Acquisitions

Acquisition of American Funeral Financial

On June 4, 2014, the Company, through its wholly owned subsidiary, SNFC Subsidiary, LLC ("SNFC Subsidiary"), completed a purchase transaction with American Funeral Financial, LLC, a South Carolina limited liability company ("American Funeral Financial") and Hypershop, LLC, a North Carolina  limited liability  company ("Hypershop"), the sole owner of all the limited liability company interests of American Funeral Financial, to purchase all of the outstanding limited liability company interests, or membership units, of American Funeral Financial.  American Funeral Financial is engaged in the operation of a factoring business with the principal purpose of providing funding for funeral homes and mortuaries.  

The following unaudited pro forma information has been prepared to present the results of operations of the Company assuming the acquisition of American Funeral Financial had occurred at the beginning of the nine month periods ended September 30, 2015 and 2014. This pro forma information is supplemental and does not necessarily present the operations of the Company that would have occurred had the acquisition occurred on those dates and may not reflect the operations that will occur in the future:

   
For the
Three Months Ended
September 30
 (unaudited)
    
For the
Nine Months Ended
September 30
 (unaudited)
  
   
2015
    
2014
    
2015
    
2014
  
Total revenues
  
$
75,494,686
    
$
61,725,792
    
$
215,584,933
    
$
168,522,777
  
Net earnings
  
$
4,889,785
    
$
2,137,822
    
$
10,605,767
    
$
5,142,490
  
Net earnings per Class A equivalent common share
  
$
0.37
    
$
0.17
    
$
0.81
    
$
0.41
  
                               
Net earnings per Class A equivalent common share assuming dilution
  
$
0.35
    
$
0.17
    
$
0.78
    
$
0.40
  


38
Item 2.                          Management's Discussion and Analysis of Financial Condition and Results of Operations.

Overview

The Company's operations over the last several years generally reflect three trends or events which the Company expects to continue: (i) increased attention to "niche" insurance products, such as the Company's funeral plan policies and traditional whole life products; (ii) emphasis on cemetery and mortuary business; and (iii) capitalizing on relatively low interest rates by originating mortgage loans.

Results of Operations

Insurance Operations

The Company's insurance business includes funeral plans, interest sensitive life insurance, as well as other traditional life and accident insurance, and health insurance products.  The Company places specific marketing emphasis on funeral plans through pre-need planning.

A funeral plan is a small face value life insurance policy that generally has face coverage of up to $25,000.  The Company believes that funeral plans represent a marketing niche that has less competition because most insurance companies do not offer similar coverage.  The purpose of the funeral plan policy is to pay the costs and expenses incurred at the time of the person's death.  On a per thousand dollar cost of insurance basis, these policies can be more expensive to the policy holder than many types of non-burial insurance due to their low face amount, requiring the fixed cost of the policy administration to be distributed over a smaller policy size, and the simplified underwriting practices that result in higher mortality costs.

The following table shows the condensed financial results of the insurance operations for the three and nine months ended September 30, 2015 and 2014.  See Note 6 to the Condensed Consolidated Financial Statements.

   
Three months ended September 30
 (in thousands of dollars)
    
Nine months ended September 30
 (in thousands of dollars)
  
   
2015
    
2014
    
% Increase (Decrease)
    
2015
    
2014
    
% Increase (Decrease)
  
Revenues from external customers
                        
Insurance premiums
  
$
14,564
    
$
13,805
      
5
%
  
$
42,332
    
$
40,269
      
5
%
Net investment income
    
6,127
      
6,600
      
(7
%)
    
18,617
      
16,879
      
10
%
Income from loan originations
    
700
      
1,060
      
(34
%)
    
1,813
      
2,117
      
(14
%)
Other
    
1,757
      
88
      
1897
%
    
2,849
      
571
      
399
%
Total
  
$
23,148
    
$
21,553
      
7
%
  
$
65,611
    
$
59,836
      
10
%
Intersegment revenue
  
$
3,206
    
$
2,408
      
33
%
  
$
8,884
    
$
6,826
      
30
%
Earnings before income taxes
  
$
3,656
    
$
1,987
      
84
%
  
$
7,175
    
$
4,834
      
48
%

Intersegment revenues are primarily interest income from the warehouse line provided to SecurityNational Mortgage Company. Profitability in the three and nine months ended September 30, 2015 has increased due to an increase in net investment income, an increase in realized gains on investments and other assets, and an increase in insurance premiums.

Cemetery and Mortuary Operations

The Company sells mortuary services and products through its seven mortuaries in Salt Lake City, Utah. The Company also sells cemetery products and services through its five cemeteries in Salt Lake City, Utah and one cemetery in San Diego County, California. Cemetery land sales and at-need product sales and services are recognized as revenue at the time of sale or when the services are performed. Pre-need cemetery product sales are deferred until the merchandise is delivered and services performed.

39
The following table shows the condensed financial results of the Cemetery and Mortuary operations for the three and nine months ended September 30, 2015 and 2014. See Note 6 to the Condensed Consolidated Financial Statements.

   
Three months ended September 30
 (in thousands of dollars)
    
Nine months ended September 30
 (in thousands of dollars)
  
   
2015
    
2014
    
% Increase (Decrease)
    
2015
    
2014
    
% Increase (Decrease)
  
Revenues from external customers
                        
Mortuary revenues
  
$
1,169
    
$
1,179
      
(1
%)
  
$
3,523
    
$
3,840
      
(8
%)
Cemetery revenues
    
1,769
      
1,427
      
24
%
    
5,550
      
5,310
      
5
%
Other
    
185
      
102
      
81
%
    
363
      
133
      
173
%
Total
  
$
3,123
    
$
2,708
      
15
%
  
$
9,436
    
$
9,283
      
2
%
Earnings (loss) before income taxes
  
$
250
    
$
(120
)
    
308
%
  
$
811
    
$
232
      
250
%

Included in other revenue is rental income from residential and commercial properties purchased from Security National Life. Memorial Estates purchased these properties from financing provided by Security National Life. The rental income is offset by property insurance, taxes, maintenance expenses and interest payments made to Security National Life. Memorial Estates has recorded depreciation on these properties of $183,000 and $229,000 for the three months ended September 30, 2015 and 2014, respectively, and $634,000 and $721,000 for the nine months ended September 30, 2015 and 2014, respectively.

Mortgage Operations

Overview

The Company's wholly owned subsidiaries, SecurityNational Mortgage Company and Green Street Mortgage Services, Inc., are mortgage lenders incorporated under the laws of the State of Utah, and are approved and regulated by the Federal Housing Administration (FHA), a department of the U.S. Department of Housing and Urban Development (HUD), to originate mortgage loans that qualify for government insurance in the event of default by the borrower. SecurityNational Mortgage and Green Street obtain loans from their retail offices and independent brokers. Mortgage loans originated by the Company's mortgage subsidiaries are funded from internal cash flows, including loan purchase agreements from Security National Life, its wholly owned subsidiary, and unaffiliated financial institutions.

SecurityNational Mortgage and Green Street Mortgage receive fees from the borrowers and secondary fees from third party investors that purchase their loans. Loans originated by SecurityNational Mortgage and Green Street Mortgage are generally sold with mortgage servicing rights released to third party investors. Since the second quarter of 2012, however, SecurityNational Mortgage has sold but retained mortgage servicing rights on approximately 30% of its loan origination volume. The majority of these loans are serviced by an approved third party sub-servicer. In February 2015, Green Street Mortgage made the decision to cease mortgage operations as of March 31, 2015.
 
On August 14, 2015 SecurityNational Mortgage Company entered into a new mortgage warehouse agreement with Texas Capital Bank. The warehouse agreement provides a $30,000,000 warehouse line of credit for the purpose of funding mortgage loans. SecurityNational Mortgage Company is listed as Seller and Security National Financial Corporation as guarantor. The warehouse agreement expires on August 14, 2016 if not renewed beforehand. As of September 30, 2015 SecurityNational Mortgage Company had 20 loans for $8,012,555 outstanding on the Texas Capital Bank warehouse line.

For the nine months ended September 30, 2015 and 2014, SecurityNational Mortgage originated and sold 11,689 loans ($2,192,849,000 total volume) and 7,981 loans ($1,498,053,000 total volume), respectively. For the nine months ended September 30, 2015 and 2014, Green Street Mortgage originated and sold 79 loans ($17,949,000 total volume) and 17 loans ($3,946,000 total volume), respectively.

40
The following table shows the condensed financial results of the mortgage operations for the three and nine months ended September 30, 2015 and 2014.  See Note 6 to the Condensed Consolidated Financial Statements.
 
   
Three months ended September 30
 (in thousands of dollars)
    
Nine months ended September 30
 (in thousands of dollars)
  
   
2015
    
2014
    
% Increase (Decrease)
    
2015
    
2014
    
% Increase (Decrease)
  
Revenues from external customers
                        
Income from loan originations
  
$
38,784
    
$
31,060
      
25
%
  
$
115,374
    
$
81,517
      
42
%
Secondary gains from investors
    
10,440
      
6,405
      
63
%
    
25,164
      
15,554
      
62
%
Total
  
$
49,224
    
$
37,465
      
31
%
  
$
140,538
    
$
97,071
      
45
%
Earnings before income taxes
  
$
3,888
    
$
1,509
      
158
%
  
$
9,038
    
$
2,664
      
239
%

The increase in earnings for the three and nine months ended September 30, 2015 was due to higher secondary gains on mortgage loans sold to investors and an increase in loan origination volume.

Mortgage Loan Loss Settlements
The mortgage industry has seen potential loan losses increase. Future loan losses are extremely difficult to estimate, especially in the current market.  However, management believes that the Company's reserve methodology and its current practice of property preservation allow it to estimate its losses on loans sold. The amounts accrued for loan losses for the three months ended September 30, 2015 and 2014 were $1,755,000 and $1,063,000, respectively, and for the nine months ended September 30, 2015 and 2014 were $4,674,000 and $2,007,000, respectively. The estimated liability for indemnification losses is included in other liabilities and accrued expenses and, as of September 30, 2015 and December 31, 2014, the balances were $5,751,000 and $1,718,000, respectively.

Mortgage Loan Loss Demands

Third Party Investors

There have been assertions in third party investor correspondence that SecurityNational Mortgage sold mortgage loans that allegedly contained borrower misrepresentations or experienced early payment defaults, or that were otherwise allegedly defective or not in compliance with agreements between SecurityNational Mortgage and the third party investors consisting principally of financial institutions.  As a result of these claims, third party investors have made demands that SecurityNational Mortgage repurchase certain alleged defective mortgage loans that were sold to such investors or indemnify them against any losses related to such loans.

The total amount of potential claims by third party investors is difficult to determine.  The Company has reserved and accrued $5,751,000 as of September 30, 2015 to settle all such investor related claims.  The Company believes that the reserve for mortgage loan losses, which includes provisions for probable losses and indemnification on mortgage loans sold to investors, is reasonable based on available information.  Moreover, the Company has successfully negotiated acceptable settlement terms with other third party investors that asserted claims for mortgage loan losses against SecurityNational Mortgage.

SecurityNational Mortgage disagrees with the repurchase demands and notices of potential claims from third party investors. Furthermore, SecurityNational Mortgage believes there is potential to resolve the alleged claims by the third party investors on acceptable terms. If SecurityNational Mortgage is unable to resolve such claims on acceptable terms, legal action may ensue. In the event of legal action by any third party investor, SecurityNational Mortgage believes it has significant defenses to any such action and intends to vigorously defend itself against such action.

JP Morgan Chase Indemnification Demand

The Company and its wholly owned subsidiary, SecurityNational Mortgage, received a notice of claim for indemnification dated December 21, 2011, from JP Morgan Chase & Co. ("JP Morgan Chase") on behalf of EMC Mortgage, LLC ("EMC Mortgage"), relating to 21 mortgage loans that EMC Mortgage allegedly purchased as a third party investor from SecurityNational Mortgage.  The notice also referenced a guaranty agreement, dated February 23, 2006, by the Company for the benefit of EMC Mortgage.  The indemnification notice additionally stated that EMC Mortgage had been named in a lawsuit by the Bear Stearns Mortgage Funding Trust 2007-AR2 (the "Trust"), which was filed on September 13, 2011 in the Delaware Court of Chancery.

41
The lawsuit the Trust brought against EMC Mortgage contends that more than 800 residential mortgage loans that EMC Mortgage sold to the Trust (including the 21 loans allegedly originated by SecurityNational Mortgage) contained breaches of representations and warranties with respect to the mortgage loans, as well as defaults and foreclosures in many of such loans.  As a result of the alleged breaches of representations and warranties by EMC Mortgage, the complaint requests that EMC Mortgage be ordered to repurchase from the Trust any loans for which it breached its representations and warranties, in the amount of the mortgage loans' outstanding principal balance and all accrued but unpaid interest.

The indemnification notice from JP Morgan Chase further alleged that the Company and SecurityNational Mortgage are required to indemnify EMC Mortgage for any of its losses arising from the lawsuit that the Trust brought against EMC based upon allegedly untrue statements of material fact related to information that was provided by SecurityNational Mortgage. To the extent the claims in the complaint relate to the 21 mortgage loans that SecurityNational Mortgage allegedly sold to EMC Mortgage, the Company believes it has significant defenses to such claims. The Company intends to vigorously defend itself and SecurityNational Mortgage in the event that JP Morgan Chase were to bring any legal action to require the Company or SecurityNational Mortgage to indemnify it for any loss, liability or expense in connection with the lawsuit that the Trust brought against EMC Mortgage.

Inquiry Regarding FHA Insured Loans

SecurityNational Mortgage has been cooperating with the U.S. Department of Justice and the Office of the Inspector General for the Department of Housing and Urban Development (HUD) in a civil investigation regarding compliance with requirements relating to certain loans insured by the Federal Housing Administration (FHA).  No demand has been made and SecurityNational Mortgage has not established a liability for this matter absent a specific demand because it is not able to estimate a range of reasonably potential loss due to significant uncertainties regarding:  the absence of any specific demand, the potential remedies, including possible defenses, and the lack of information concerning the performance of its FHA insured originations, the majority of which SecurityNational Mortgage does not service. The investigation has focused on loans originated by SecurityNational Mortgage on or after January 1, 2006.  The FHA mortgage loans that SecurityNational Mortgage originated between January 1, 2006 and May 21, 2013 total approximately 45,900 loans with an original principal balance of approximately $7.9 billion.

Mortgage Loan Loss Litigation

For a description of the litigation involving SecurityNational Mortgage and Lehman Brothers and Aurora Loan Services, reference is to Part II, Item 1. Legal Proceedings.

Consolidation

Three Months Ended September 30, 2015 Compared to Three Months Ended September 30, 2014

Total revenues increased by $13,769,000, or 22.3%, to $75,495,000 for the three months ended September 30, 2015, from $61,726,000 for the comparable period in 2014. Contributing to this increase in total revenues was a $10,688,000 increase in mortgage fee income, a $923,000 increase in realized gains on investments and other assets, a $759,000 increase in insurance premiums and other considerations, a $511,000 increase in other revenues, a $327,000 decrease in other than temporary impairments on investments, a $321,000 increase in net mortuary and cemetery sales, and a $240,000 increase in net investment income.

Insurance premiums and other considerations increased by $759,000, or 5.5%, to $14,564,000 for the three months ended September 30, 2015, from $13,805,000 for the comparable period in 2014. This increase was primarily due to an increase in renewal premiums and an increase in first year premiums as a result of increased insurance sales.

Net investment income increased by $240,000, or 2.9%, to $8,432,000 for the three months ended September 30, 2015, from $8,192,000 for the comparable period in 2014. This increase was primarily attributable to a $946,000 increase in short-term investment income, a $195,000 increase in rental income from real estate owned, and a $24,000 increase in policy loan income. This increase was partially offset by a $462,000 decrease in mortgage loan interest, a $429,000 increase in investment expenses, a $22,000 decrease in fixed maturity securities income, and a $12,000 decrease in equity securities income.

Net mortuary and cemetery sales increased by $321,000, or 12.9%, to $2,811,000 for the three months ended September 30, 2015, from $2,490,000 for the comparable period in 2014. This increase was primarily due to an increase in at-need sales and pre-need sales in the cemetery operations.

Realized gains on investments and other assets increased by $923,000, or 214.7%, to $1,353,000 in realized gains for the three months ended September 30, 2015, from $430,000 in realized gains for the comparable period in 2014. This increase in realized gains on investments and other assets was the result of a $1,093,000 increase in realized gains on other assets primarily due to the sale of an office building. This increase was partially offset by a $152,000 decrease in realized gains on fixed maturity securities and by a $17,000 decrease in realized gains on securities available for sale.

42
Mortgage fee income increased by $10,688,000, or 29.5%, to $46,923,000 for the three months ended September 30, 2015, from $36,235,000 for the comparable period in 2014. This increase was primarily attributable to higher mortgage loan production volume and higher average revenues per mortgage loan as SecurityNational Mortgage increased both the overall number and the overall dollar volume of its mortgage loans during the third quarter of 2015.

Other revenues increased by $511,000, or 53.3%, to $1,468,000 for the three months ended September 30, 2015, from $957,000 for the comparable period in 2014. This increase was due to an increase in mortgage servicing fees.

Total benefits and expenses were $67,700,000, or 89.7% of total revenues, for the three months ended September 30, 2015, as compared to $58,349,000, or 94.5% of total revenues, for the comparable period in 2014.

Death benefits, surrenders and other policy benefits, and future policy benefits increased by an aggregate of $292,000 or 2.3%, to $12,920,000 for the three months ended September 30, 2015, from $12,628,000 for the comparable period in 2014. This increase was primarily the result of a $942,000 increase in death benefits, and an $8,000 increase in surrender and other policy benefits. This increase was partially offset by a $658,000 decrease in future policy benefits.

Amortization of deferred policy and pre-need acquisition costs and value of business acquired decreased by $516,000, or 27.8%, to $1,338,000 for the three months ended September 30, 2015, from $1,854,000 for the comparable period in 2014. This decrease was primarily due to improved persistency in the payment of premiums in the traditional life business.

Selling, general and administrative expenses increased by $9,289,000, or 21.9%, to $51,783,000 for the three months ended September 30, 2015, from $42,494,000 for the comparable period in 2014. This increase was primarily the result of an increase in mortgage loan originations by SecurityNational Mortgage for the three months ended September 30, 2015. Commissions increased by $4,129,000, personnel expenses increased by $2,628,000, other expenses increased by $720,000, provision for loan losses and loan loss reserve increased by $691,000, costs related to funding mortgage loans increased by $420,000, advertising increased by $368,000, and rent and rent related expenses increased by $354,000. This increase was partially offset by a decrease of $21,000 in depreciation on property and equipment.

Interest expense increased by $237,000, or 24.8%, to $1,192,000 for the three months ended September 30, 2015, from $955,000 for the comparable period in 2014. This increase was primarily due to an increase in outstanding balances on warehouse lines of credit used to fund mortgage loans.

Cost of goods and services sold by the cemeteries and mortuaries increased by $49,000, or 11.8%, to $468,000 for the three months ended September 30, 2015, from $419,000 for the comparable period in 2014. This increase was primarily due to an increase in mortuary sales.

Comprehensive income for the three months ended September 30, 2015 and 2014 amounted to gains of $3,411,000 and $1,473,000, respectively. This $1,938,000 increase in comprehensive income was primarily the result of a $2,752,000 increase in net income. This increase was partially offset by a $430,000 decrease in derivatives related to mortgage loans and by a $384,000 decrease in unrealized gains in securities available for sale.

Nine months Ended September 30, 2015 Compared to Nine months Ended September 30, 2014

Total revenues increased by $49,394,000, or 29.7%, to $215,585,000 for the nine months ended September 30, 2015, from $166,191,000 for the comparable period in 2014. Contributing to this increase in total revenues was a $39,929,000 increase in mortgage fee income, a $4,304,000 increase in net investment income, a $2,063,000 increase in insurance premiums and other considerations, a $1,584,000 increase in other revenues, a $1,305,000 increase in realized gains on investments and other assets, and a $276,000 decrease in other than temporary impairments on investments. This increase in total revenues was partially offset by a $67,000 decrease in net mortuary and cemetery sales.

Insurance premiums and other considerations increased by $2,063,000, or 5.1%, to $42,332,000 for the nine months ended September 30, 2015, from $40,269,000 for the comparable period in 2014. This increase was primarily due to an increase in renewal premiums and an increase in first year premiums as a result of increased insurance sales.

Net investment income increased by $4,304,000, or 21.0%, to $24,846,000 for the nine months ended September 30, 2015, from $20,542,000 for the comparable period in 2014. This increase was primarily attributable to a $5,229,000 increase in short-term investment income, a $258,000 increase in rental income from real estate owned, a $22,000 increase in policy loan income, and a $13,000 increase in equity securities income. This increase was partially offset by a $935,000 increase in investment expenses, a $210,000 decrease in mortgage loan interest, and a $73,000 decrease in fixed maturity securities income.

43
Net mortuary and cemetery sales decreased by $67,000, or 0.8%, to $8,701,000 for the nine months ended September 30, 2015, from $8,768,000 for the comparable period in 2014. This decrease was primarily due to a decrease in at-need sales in the mortuary operations. This decrease was partially offset by an increase in at-need sales in the cemetery operations.

Realized gains on investments and other assets increased by $1,305,000, or 134.7%, to $2,274,000 in realized gains for the nine months ended September 30, 2015, from $969,000 in realized gains for the comparable period in 2014. This increase in realized gains on investments and other assets was the result of a $1,217,000 increase in realized gains on other assets primarily due to the sale of an office building, a $102,000 increase in realized gains on fixed maturity securities. This increase was partially offset by a $14,000 decrease in realized gains on securities available for sale.

Mortgage fee income increased by $39,929,000, or 42.7%, to $133,475,000 for the nine months ended September 30, 2015, from $93,546,000 for the comparable period in 2014. This increase was primarily attributable to higher mortgage loan production volume and higher average revenues per mortgage loan as SecurityNational Mortgage increased both the overall number and the overall dollar volume of its mortgage loans during the nine months ended September 30, 2015.

Other revenues increased by $1,584,000, or 62.4%, to $4,124,000 for the nine months ended September 30, 2015, from $2,540,000 for the comparable period in 2014. This increase was due to an increase in mortgage servicing fees.

Total benefits and expenses were $198,560,000, or 92.1% of total revenues, for the nine months ended September 30, 2015, as compared to $158,461,000, or 95.3% of total revenues, for the comparable period in 2014.

Death benefits, surrenders and other policy benefits, and future policy benefits increased by an aggregate of $1,615,000 or 4.4%, to $38,358,000 for the nine months ended September 30, 2015, from $36,743,000 for the comparable period in 2014. This increase was primarily the result of a $3,229,000 increase in death benefits and a $38,000 increase in surrender and other policy benefits. This increase was partially offset by a $1,652,000 decrease in future policy benefits.

Amortization of deferred policy and pre-need acquisition costs and value of business acquired decreased by $1,067,000, or 22.5%, to $3,684,000 for the nine months ended September 30, 2015, from $4,751,000 for the comparable period in 2014. This decrease was primarily due to improved persistency in the payment of premiums in the traditional life business.

Selling, general and administrative expenses increased by $38,245,000, or 33.8%, to $151,553,000 for the nine months ended September 30, 2015, from $113,308,000 for the comparable period in 2014. This increase was primarily the result of an increase in mortgage loan originations by SecurityNational Mortgage for the nine months ended September 30, 2015. Commissions increased by $19,157,000, personnel expenses increased by $8,836,000, other expenses increased by $3,334,000, provision for loan losses and loan loss reserve increased by $2,667,000, costs related to funding mortgage loans increased by $1,806,000, rent and rent related expenses increased by $1,370,000, advertising increased by $1,018,000, and depreciation on property and equipment increased by $57,000.

Interest expense increased by $1,312,000, or 58.6%, to $3,551,000 for the nine months ended September 30, 2015, from $2,239,000 for the comparable period in 2014. This increase was primarily due to an increase in outstanding balances on warehouse lines of credit used to fund mortgage loans.

Cost of goods and services sold by the cemeteries and mortuaries decreased by $5,000, or 0.4%, to $1,415,000 for the nine months ended September 30, 2015, from $1,420,000 for the comparable period in 2014. This decrease was primarily due to a decrease in mortuary sales.

Comprehensive income for the nine months ended September 30, 2015 and 2014 amounted to gains of $11,019,000 and $5,159,000, respectively. This $5,860,000 increase in comprehensive income was primarily the result of a $5,705,000 increase in net income and a $1,093,000 increase in derivatives related to mortgage loans. This increase was partially offset by a $938,000 decrease in unrealized gains in securities available for sale.

Liquidity and Capital Resources

The Company's life insurance subsidiaries and cemetery and mortuary subsidiaries realize cash flow from premiums, contract payments and sales on personal services rendered for cemetery and mortuary business, from interest and dividends on invested assets, and from the proceeds from the maturity of held to maturity investments or sale of other investments. The mortgage subsidiaries realize cash flow from fees generated by originating and refinancing mortgage loans and interest earned on mortgages sold to investors. The Company considers these sources of cash flow to be adequate to fund future policyholder and cemetery and mortuary liabilities, which generally are long-term, and adequate to pay current policyholder claims, annuity payments, expenses related to the issuance of new policies, the maintenance of existing policies, debt service, and to meet current operating expenses.

44
During the nine months ended September 30, 2015, the Company's operations used cash of $3,677,000. This was due primarily to a $34,702,000 increase in the balance of mortgage loans sold to investors. During the nine months ended September 30, 2014, the Company's operations provided cash of $36,391,000. This was due primarily to a $12,739,000 decrease in the balance of mortgage loans sold to investors and a $15,785,000 increase in future policy benefits.

The Company's liability for future life, annuity and other benefits is expected to be paid out over the long-term due to the Company's market niche of selling funeral plans. Funeral plans are small face value life insurance that will pay the costs and expenses incurred at the time of a person's death. A person generally will keep these policies in force and will not surrender them prior to a person's death. Because of the long-term nature of these liabilities, the Company is able to hold to maturity its bonds, real estate and mortgage loans, thus reducing the risk of liquidating these long-term investments as a result of any sudden changes in fair values.

The Company attempts to match the duration of invested assets with its policyholder and cemetery and mortuary liabilities. The Company may sell investments other than those held to maturity in the portfolio to help in this timing. The Company purchases short-term investments on a temporary basis to meet the expectations of short-term requirements of the Company's products. The Company's investment philosophy is intended to provide a rate of return that will persist during the expected duration of policyholder and cemetery and mortuary liabilities regardless of future interest rate movements.

The Company's investment policy is to invest predominantly in fixed maturity securities, mortgage loans, and the warehousing of mortgage loans on a short-term basis before selling the loans to investors in accordance with the requirements and laws governing the life insurance subsidiaries. Bonds owned by the insurance subsidiaries amounted to $132,745,000 as of September 30, 2015 compared to $134,406,000 as of December 31, 2014. This represents 33.9% and 30.9% of the total investments as of September 30, 2015 and December 31, 2014, respectively. Generally, all bonds owned by the life insurance subsidiaries are rated by the National Association of Insurance Commissioners (NAIC). Under this rating system, there are six categories used for rating bonds. At September 30, 2015, 8.0%  (or $10,664,000) and at December 31, 2014, 6.8% (or $9,192,000) of the Company's total bond investments were invested in bonds in rating categories three through six, which were considered non‑investment grade.

The Company has classified its fixed income securities as held to maturity. Business conditions, however, may develop in the future that may indicate a need for a higher level of liquidity in the investment portfolio. In that event the Company believes it could sell short-term investment grade securities before liquidating higher yielding longer-term securities.

The Company is subject to risk based capital guidelines established by statutory regulators requiring minimum capital levels based on the perceived risk of assets, liabilities, disintermediation, and business risk. At September 30, 2015 and December 31, 2014, the life insurance subsidiary was in compliance with the regulatory criteria.

The Company's total capitalization of stockholders' equity, bank debt and notes payable was $148,842,000 as of September 30, 2015, as compared to $126,111,000 as of December 31, 2014. Stockholders' equity as a percent of total capitalization was 73.4% and 77.0% as of September 30, 2015 and December 31, 2014, respectively.

Lapse rates measure the amount of insurance terminated during a particular period. The Company's lapse rate for life insurance in 2014 was 7.0% as compared to a rate of 5.7% for 2013. The 2015 lapse rate to date has been approximately the same as 2014.

At September 30, 2015, $36,608,000 of the Company's consolidated stockholders' equity represented the statutory stockholders' equity of the Company's life insurance subsidiaries. The life insurance subsidiaries cannot pay a dividend to the Company, its parent company, without approval of state insurance regulatory authorities.

Item 3.              Quantitative and Qualitative Disclosures About Market Risk.

There have been no significant changes since the Annual Report on Form 10-K filed for the year ended December 31, 2014.

45
Item 4.              Controls and Procedures.

Disclosure Controls and Procedures

As of September 30, 2015, the Company carried out an evaluation, under the supervision and with the participation of its Chief Executive Officer (CEO) and Chief Financial Officer (CFO), of the effectiveness of the Company's disclosure controls and procedures (as defined in Rules 13a-15(e) and 15d-15(e) under the Securities Exchange Act of 1934, as amended (the "Exchange Act")). The Company's disclosure controls and procedures are designed to ensure that information required to be disclosed in the Securities and Exchange Commission (SEC) reports the Company files or submits under the Exchange Act is recorded, processed, summarized and reported within the time period specified by the SEC's rules and forms and that such information is accumulated and communicated to management, including the Company's CEO and CFO, as appropriate, to allow timely decisions regarding required disclosure. The officers have concluded that the Company's disclosure controls and procedures were effective as of September 30, 2015, and that the unaudited condensed consolidated financial statements included in this Quarterly Report on Form 10-Q fairly present, in all material respects, the Company's financial condition, results of operations and cash flows for the periods presented in conformity with United States Generally Accepted Accounting Principles (GAAP).

Changes in Internal Control over Financial Reporting

There have been no changes in the Company's internal control over financial reporting during the most recently completed fiscal quarter that have materially affected, or are reasonably likely to materially affect, the Company's internal control over financial reporting.

Part II - Other Information

Item 1.  Legal Proceedings.

Lehman Brothers – Aurora Loan Services Litigation

On April 15, 2005, SecurityNational Mortgage entered into a Loan Purchase Agreement with Lehman Brothers Bank, FSB ("Lehman Bank"), which agreement incorporated a Seller's Guide. Pursuant to the Loan Purchase Agreement, Lehman Bank purchased mortgage loans from time to time from SecurityNational Mortgage. Lehman Bank asserted that certain of the mortgage loans that it purchased several years ago from SecurityNational Mortgage contained alleged misrepresentations and early payment defaults. As a result, Lehman Bank contended it had the right to require SecurityNational Mortgage to repurchase certain loans or be liable for losses related to such Loans under the Loan Purchase Agreement. SecurityNational Mortgage disagreed with these claims.

On December 17, 2007, SecurityNational Mortgage entered into an Indemnification Agreement with Lehman Bank and Aurora Loan Services. Under the terms of the Indemnification Agreement, SecurityNational Mortgage agreed to indemnify Lehman Bank and Aurora Loan Services for 75% of actual losses, as defined, that Lehman Bank and Aurora Loan Services may incur on account of the breaches pertaining to certain identified loans. The Indemnification Agreement also required SecurityNational Mortgage to indemnify Lehman Bank and Aurora Loan Services for 100% of any future actual losses, as defined, incurred on mortgage loans with breaches not covered by the 75% provision. A reserve account was set up for covering said losses.

In addition to initial payments into the reserve account, SecurityNational Mortgage was to pay to Aurora Loan Services each calendar month the difference between the reserve account balance and $645,000, but in no event would SecurityNational Mortgage be required to make payments into the reserve account in excess of $125,000 for any calendar month. Since the time the reserve account was established, approximately $4,300,000 was taken from the reserve account to indemnify Lehman Bank and Aurora Loan Services for alleged losses. On March 28, 2011 Lehman Bank and Aurora Loan Services assigned certain rights and remedies under the Indemnification Agreement to Lehman Brothers Holdings Inc. ("Lehman Holdings").

On May 11, 2011, SecurityNational Mortgage filed a complaint against Aurora Bank FSB (formerly known as Lehman Bank) and Aurora Loan Services in the United States District Court, Utah, which was assigned to Judge David Nuffer. The allegations in the complaint include breach of the Indemnification Agreement. SecurityNational Mortgage claimed it was entitled to a judgment of approximately $4,000,000 against Lehman Bank, as well as Aurora Loan Services to the extent of its involvement, for payments which should not have been taken from the reserve account.

On June 8, 2011, Lehman Holdings, which had filed for bankruptcy in September 2008, filed a complaint in the United States District Court, Utah against SecurityNational Mortgage. The case was assigned to Judge Ted Stewart. The complaint alleged claims for damages for breach of contract and breach of warranty pursuant to the Loan Purchase Agreement, and initially claimed damages in excess of $5,000,000. Lehman Holdings further alleged that Lehman Bank sold mortgage loans to it and assigned the contractual rights. SecurityNational Mortgage strongly disagreed with the claims in Lehman Holdings' complaint.

46
Discovery was completed in the two foregoing lawsuits. On December 24, 2014, Judge Nuffer issued an amended order granting SecurityNational Mortgage's motion for summary judgment against Lehman Bank and Aurora Loan Services for $3,892,974, plus prejudgment interest at 9% per annum. The total amount of prejudgment interest awarded was $1,674,240 through May 31, 2014, with a per diem of $960 for each day after May 31, 2014 until final judgment. The court also indicated that further replenishment of the reserve account under the Indemnification Agreement appeared to be barred by a waiver, but that this issue had not been briefed.

Additionally, the court stated that the offset that Lehman Bank and Aurora Loan Services pled as an affirmative defense had not yet been adjudicated by the court. SecurityNational Mortgage asserts that Lehman Bank and Aurora Loan Services have no rights to a replenishment of the Indemnification Agreement reserve account, or for any offset. On March 30, 2015, SecurityNational Mortgage filed a response in opposition to the partial summary judgment motion of Lehman Bank and Aurora Loan Services concerning the reserve account replenishment and offset; SecurityNational Mortgage also filed its own partial summary judgment motion on the same issues. These motions are currently under advisement.

On April 21, 2015, Judge Stewart issued a memorandum decision and order denying SecurityNational Mortgage's motion for summary judgment against Lehman Holdings in the Lehman Holdings case. On January 16, 2015, SecurityNational Mortgage filed a separate motion for summary judgment against Lehman Holdings based on the statute of limitations. Because certain cases that arose in Colorado were pending before the United States Court of Appeals for the Tenth Circuit concerning statute of limitation issues involving Lehman Holdings, Judge Stewart inquired at a hearing as to whether his ruling on SecurityNational Mortgage's motion should be held in abeyance until a ruling is rendered by the Tenth Circuit. The parties agreed to an abeyance and Judge Stewart issued an order on May 11, 2015 postponing his ruling. The Colorado cases before the Tenth Circuit have been argued and are under advisement.

The Company is not a party to any other material legal proceedings outside the ordinary court of business or to any other legal proceedings, which if adversely determined, would have a material adverse effect on its financial condition or results of operation.

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

None

Item 3.              Defaults Upon Senior Securities.

None

Item 4.              Mine Safety Disclosures.

None

Item 5.              Other Information.

The Company's Board of Directors appointed Stephen C. Johnson to serve as the Company's Vice President of Mortgage Operations and the President of SecurityNational Mortgage Company ("SecurityNational Mortgage"), a wholly owned subsidiary of the Company, effective January 1, 2016. Mr. Johnson replaces J. Lynn Beckstead, Jr. who has served as the Company's Vice President of Mortgage Operations since 2003 and President of SecurityNational Mortgage since 1993.  Mr. Beckstead's retirement is effective December 31, 2015, at which time he will also retire as a director of the Company and a director of SecurityNational Mortgage. Mr. Beckstead has served as a director of the Company since 2002 and a director of SecurityNational Mortgage since 1993.
 
Item 6.              Exhibits, Financial Statements Schedules and Reports on Form 8-K.

(a)(1)            Financial Statements

See "Table of Contents – Part I – Financial Information" under page 2 above

(a)(2)            Financial Statement Schedules

None

All other schedules to the consolidated financial statements required by Article 7 of Regulation S‑X are not required under the related instructions or are inapplicable and therefore have been omitted.

47
(a)(3)            Exhibits

The following Exhibits are filed herewith pursuant to Rule 601 of Regulation S‑K or are incorporated by reference to previous filings.

3.1
Articles of Restatement of Articles of Incorporation (3)
   
3.2
Amended Bylaws (5)
   
4.1
 Specimen Class A Stock Certificate (1)
   
4.2
 Specimen Class C Stock Certificate (1)
   
4.3
 Specimen Preferred Stock Certificate and Certificate of Designation of Preferred Stock (1)
   
10.1
Restated and Amended Employee Stock Ownership Plan and Trust Agreement (1)
   
10.2
2003 Stock Option Plan (4)
   
10.3
2006 Director Stock Option Plan (7)
   
10.4
2013 Stock Option Plan (10)
   
10.5
2014 Director Stock Option Plan (12)
   
10.6
Deferred Compensation Plan (2)
   
10.7
Employment agreement with J. Lynn Beckstead, Jr. (6)
   
10.8
Employment agreement with Scott M. Quist
   
10.9
Indemnification Agreement among SecurityNational Mortgage Company, Lehman Brothers Bank, and Aurora Loan Services (8)
   
10.10
Agreement and Plan of Reorganization among Security National Financial Corporation and certain subsidiaries (9)
   
10.11
Purchase Agreement among Security National Financial Corporation, SNFC Subsidiary, LLC, American Funeral Financial, LLC, and Hypershop, LLC (11)
   
21
Subsidiaries of the Registrant
   
31.1
Certification pursuant to 18 U.S.C. Section 1350, as enacted by Section 302 of the Sarbanes-Oxley Act of 2002
   
31.2
Certification pursuant to 18 U.S.C. Section 1350, as enacted by Section 302 of the Sarbanes-Oxley Act of 2002
   
32.1
Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
   
32.2
Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
   
101 INS
XBRL Instance Document*
   
101 SCH
XBRL Schema Document*
   
101 CAL
XBRL Calculation Linkbase Document*
   
101 DEF
XBRL Definition Linkbase Document*
   
101 LAB
XBRL Labels Linkbase Document*
   
101 PRE
XBRL Presentation Linkbase Document*

*            The XBRL related information in Exhibit 101 shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to liability of that section and shall not be incorporated by reference into any filing or other document pursuant to the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such filing or document.

48
  
(1)               Incorporated by reference from Registration Statement on Form S‑1, as filed on September 29, 1987
(2)               Incorporated by reference from Annual Report on Form 10-K, as filed on April 3, 2002
(3)               Incorporated by reference from Report on Form 8-K/A, as filed on January 8, 2003
(4)               Incorporated by reference from Schedule 14A Definitive Proxy Statement, as filed on September 5, 2003, relating to the Company's Annual Meeting of Stockholders
(5)               Incorporated by reference from Report on Form 10-Q, as filed on November 14, 2003
(6)               Incorporated by reference from Report on Form 10-K, as filed on March 30, 2004
(7)               Incorporated by reference from Schedule 14A Definitive Proxy Statement, as filed on June 1, 2007, relating to the Company's Annual Meeting of Stockholders
(8)               Incorporated by reference from Report on Form 10-K, as filed on March 31, 2009
(9)               Incorporated by reference from Report on Form 10-Q, as filed on November 13, 2013
(10)            Incorporated by reference from Schedule 14A Definitive Proxy Statement, as filed on June 5, 2013, relating to the Company's Annual Meeting of Stockholders
(11)            Incorporated by reference from Report on Form 8-K, as filed on June 13, 2014
(12)            Incorporated by reference from Schedule 14A Definitive Proxy Statement, as filed on June 2, 2014, related to Company's Annual Meeting of Stockholders


49

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.


REGISTRANT

SECURITY NATIONAL FINANCIAL CORPORATION
Registrant


Dated: November 13, 2015
  
/s/ Scott M. Quist
   
Scott M. Quist
   
Chairman of the Board, President and Chief Executive Officer
   
(Principal Executive Officer)
     

Dated: November 13, 2015
  
/s/ Garrett S. Sill
   
Garrett S. Sill
   
Chief Financial Officer and Treasurer
   
(Principal Financial Officer and Principal Accounting Officer)
     
 
 
50
 EX-10.8 2 exh108.htm EMPLOYMENT AGREEMENT WITH SCOTT M. QUIST
Exhibit 10.8
 
EMPLOYMENT AGREEMENT

THIS EMPLOYMENT AGREEMENT (this "Agreement") is made and entered into effective as of the 4th day of December 2012 (the "Effective Date"), by and between Security National Financial Corporation, a Utah corporation (the "Company") and Scott M. Quist ("Quist").

WITNESSETH:

WHEREAS, Quist has served as Chairman of the Board and Chief Executive Officer of the Company since September 2012, as its President since 2002, and as a director since 1986, and continues to serve in these positions; and

WHEREAS, the Company desires to secure the continued services of Quist as Chairman of the Board, President and Chief Executive Officer of the Company and as a director, and considers his services to be unique and essential to the continued growth, expansion and profitability of the Company's business; and

WHEREAS, Quist desires to continue to make his services and expertise available to the Company on the terms and conditions set forth herein;

NOW THEREFORE, in consideration of the mutual covenants and conditions set forth herein, the parties hereto hereby agree as follows:

1.  Employment in Executive Capacity. The Company hereby agrees to continue to employ Quist as Chairman of the Board, President and Chief Executive Officer of the Company and Quist hereby accepts such employment, for a six year term beginning December 4, 2012 and ending December 4, 2018, upon the terms and conditions set forth herein. Additionally, the Company shall use its best efforts to cause Quist to be elected as a member of the Company's Board of Directors (the "Board of Directors") during the term of this Agreement.

2.  Employee Agrees to Devote Full Time. Quist agrees to such employment and agrees to devote his full time and attention to the performance of his duties hereunder, which shall include such additional duties as may be assigned to him from time to time by the Board of Directors.

3.  Employee to be Officer. During the term of this Agreement and each renewal thereof, it is agreed that Quist shall be elected as Chairman of the Board, President and Chief Executive Officer of the Company.

4.  Compensation. In consideration of the services to be rendered by Quist as an officer of the Company, the Company agrees to pay Quist, and he agrees to accept, compensation at not less than his current rate of compensation including benefits. It is agreed that the term "current rate of compensation" does not include such items as stock option grants or incentive or similar bonuses as may be granted by the Board of Directors from time to time. It is agreed that on the yearly anniversary date of this Agreement or such other time as the Board of Directors may see fit, the compensation being paid to Quist shall be reviewed by the Board of Directors and adjusted by the Board of Directors as it sees fit, but in no event shall compensation be less than the current rate of compensation. Quist shall also be entitled to all frequent flyer miles or similar benefits accrued to him in the course of his duties either directly by travel, method of purchase, or otherwise. Quist shall be entitled to reimbursement for any and all reasonable expenses associated with his duties incurred by him in the performance of his duties.

5.  Vesting of Agreement Except for Cause Termination.  Unless otherwise agreed to in writing, the benefits of this Agreement shall vest and shall not be subject to forfeiture except for cause.

6.  Term. The term of the Agreement shall commence on the Effective Date and shall end on December 4, 2018. The Board of Directors may in its sole discretion, however, extend the term of the Agreement for an additional four year term beginning on December 4, 2018, provided that Quist has continued to perform his duties with usual and customary care, diligence and prudence commensurate with his position with the Company.

7.  Disability. In the event Quist is unable to perform the duties provided for hereunder because of illness or accident, then Quist shall be entitled to three-fourths (75%) of the current rate of compensation provided for hereunder for a term of five (5) years from the date of the commencement of said disability pursuant to such illness of accident. In lieu of the benefit provided in this paragraph, the Company may purchase a disability policy. To the extent that any such policy were to pay a benefit in excess of three-fourths of the current rate of compensation provided for hereunder, then no additional benefit shall be due under this paragraph. To the extent any such benefit is less than three-fourths of the current rate of compensation, then this paragraph shall be interpreted to pay an amount sufficient to bring the benefit to three-fourths of the current rate of compensation.

8.  Pension Plan. The Company agrees to provide an Employee Stock Ownership Plan (ESOP), a Employee 401(k) Retirement Savings Plan, a Deferred Compensation Plan, and a non-qualified profit sharing plan or similar arrangements for Quist and to make a contribution to the plans on behalf of Quist consistent with the Company's past and current practices regarding other executive officers of the Company.

9.  Insurance. The Company agrees to maintain a term life insurance policy in the amount of not less than $1,000,000 on the life of Quist, who shall have the right to designate the beneficiaries and the owner or owners of that policy. Such policy shall terminate upon retirement but if possible will be converted to an individual policy in favor of Quist. It is agreed that the premiums for his policy shall be paid by the Company until retirement or other termination. The Company further agrees to maintain a Whole Life Insurance Policy in the amount of $500,000 on the life of Quist, who shall have the right to designate the beneficiaries and the owner or owners of that policy. It is agreed that all premiums for both policies shall be paid by the Company until retirement or other termination. Employee agrees that it is his responsibility to locate and procure such coverage. Employee represents that he is capable of qualifying for such coverages under standard rates and conditions. If, for whatever reason, Employee does not so qualify then the benefit to be paid under this paragraph is the premium amounts that would be paid assuming standard rates and conditions. The Company agrees to purchase a group hospitalization policy for Quist providing family coverage for his spouse and minor children with benefits consistent with the Company's past and current practices regarding other executive employees of the Company such coverage to be provided until retirement or other termination.

10.  Automobile. The Company agrees to furnish Quist, until retirement or other termination, with an automobile, including reasonable maintenance expenses, consistent with past practices, with payments to be made by the Company.

11.  Merger or Sale. In the event the business conducted by the Company is acquired by another entity through acquisition of assets, merger, or otherwise, this Agreement shall be binding upon any such successor organization and that any such agreements having as their subject such combination shall specifically adopt this Agreement. However, if as a consequence of any such combination, Quist is unable to continue his employment at the same salary, terms, and conditions, then and in that event, and in addition to the Retirement Benefits contained in paragraph 12, the Company agrees to pay Quist full salary plus all benefits, including bonuses and stock options, for a term of seven (7) years from the date of his termination. If, in Quist's complete discretion, he determines that any of the benefits (specifically to include the benefits of this Merger or Sale (paragraph 11) and the Retirement Benefits of Paragraph 12), which are the subject of this Agreement are in jeopardy for any reason, then he shall have the right to have such benefits pre-funded in an escrow account of his choosing. In the event Quist is able to negotiate an employment agreement with a successor entity that is equal to or more favorable than this Agreement, then this provision shall be void. In the event that Quist is able to negotiate an employment agreement with the successor entity that is less favorable than the terms contained herein, then this Agreement shall be interpreted so as to make up the shortfall in compensation such that Quist shall receive the amounts or benefits that he would have received under this Agreement.

12.  Retirement Benefits. Quist shall be entitled to receive an annual retirement benefit commencing one month from the date of his retirement (to commence no sooner than age 65), five years following complete disability or the completion of Paragraph 6, or termination of his employment without cause whenever occurring, in an amount equal to three-fourths (75%) of his then current rate of compensation. This benefit shall be paid annually for twenty (20) years. In the event that Quist dies prior to receiving all benefits outlined in this paragraph, the remaining payments shall be made pursuant to the provisions of Quist's will.

13.  Parol Agreements.  This Agreement contains the entire contract between the parties, and any representations that may have heretofore been made by either party to the other are void. Neither party has relied on such prior representations in entering into this Agreement.

14.  Decisions of the Board of Directors and Litigation. Decisions and determinations as contemplated in this Agreement regarding Quist shall be made by majority vote of the Board of Directors of the Company. If Quist is a member of such Board, he shall be recused from voting. In any litigation arising from disputes involving this Agreement, the Attorneys' fees for Quist shall be paid by the Company, provided Quist is the prevailing party in such litigation.

15.  Obligations of the Agreement to be Joint and Several. The obligations of this Agreement are to be joint and several to the Company and each of its subsidiaries. Notwithstanding the forgoing, and not in any way limiting the forgoing joint and several liability, the primary obligor shall be the Company.

16.  Notices. Any notices required to be given hereunder shall be deemed officially given if sent by certified mail to 5300 South 360 West, Second Floor, Salt Lake City, Utah 84123, or to such other addresses as either party may hereafter designate by notice given in the same manner.

17.  Entire Agreement. This Agreement constitutes the entire agreement between the parties hereto with respect to the subject matter hereof and supersedes all prior understandings and agreements between the parties, both written and oral, relating to the subject matter hereof and may not be altered, amended or modified except in writing signed by a duly authorized officer of the Company and Quist.

18.  Governing Law. This Agreement shall be governed by, and construed and enforced in accordance with the laws of the State of Utah, without regard to its conflict of laws doctrine.

19.  Counterparts. This Agreement may be executed in one or more counterparts, each of which, when taken together, shall be deemed to be an original, and each such counterpart shall together constitute one and the same agreement.

IN WITNESS WHEREOF, the parties have executed this Agreement as of the day and year first above written.

 
SECURITY NATIONAL FINANCIAL CORPORATION
  
     
     
 
By: /s/ Norman Wilbur
  
Norman Wilbur, Director and Chairman, Compensation Committee  
     
     
 
/s/ Scott M. Quist
  
 
Scott M. Quist
  


EX-21.1 3 exh211.htm SUBSIDIARIES OF THE REGISTRANT
EXHIBIT 21
Subsidiaries of Security National
Financial Corporation
as of September 30, 2015


SecurityNational Mortgage Company
 
Security National Life Insurance Company
 
Southern Security Life Insurance Company, Inc.
 
Trans-Western Life Insurance Company
 
Memorial Insurance Company of America
 
Dry Creek Property Development, Inc.
 
New York Land Holdings, Inc.
 
Security National Funding Company
 
C & J Financial, LLC
 
SNFC Subsidiary, LLC
 
American Funeral Financial, LLC
 
FFC Acquisition Co., LLC dba Funeral Funding Center
 
Mortician's Choice, LLC
 
Canadian Funeral Financial, LLC
 
Cottonwood Mortuary, Inc.
 
Deseret Memorial, Inc.
 
Holladay Cottonwood Memorial Foundation
 
Green Street Mortgage Services, Inc.
 
Select Appraisal Management, Inc.
 
Marketing Source Center, Inc. dba Security National Travel Services
 
Adobe Chapel Funeral Home, Inc.
 
California Memorial Estates, Inc.
 
Crystal Rose Funeral Home, Inc.
 
Greer-Wilson Funeral Home, Inc.
 
Holladay Memorial Park, Inc.
 
Memorial Estates, Inc.
 
Memorial Mortuary, Inc.
 
Paradise Chapel Funeral Home
 
Insuradyne Corporation
 
Security National Real Estate Services, Inc.


EX-31.1 4 exh311.htm CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ENACTED BY SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002
Exhibit 31.1

CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ENACTED BY
SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, Scott M. Quist, certify that:

1. I have reviewed this quarterly report on Form 10-Q of Security National Financial Corporation.

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 15-d-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 covered 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 (or persons performing the equivalent functions):

(a)  All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and
 
(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.

Dated: November 13, 2015
  
/s/ Scott M. Quist
   
Scott M. Quist
   
Chairman of the Board, President and Chief Executive Officer
   
(Principal Executive Officer)
 
 
 EX-31.2 5 exh312.htm CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ENACTED BY SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002
Exhibit 31.2
CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ENACED BY
SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, Garrett S. Sill, certify that:

1. I have reviewed this quarterly report on Form 10-Q of Security National Financial Corporation.

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 quarterly report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this 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 15-d-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 covered 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 (or persons performing the equivalent functions):

(a)  All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and
 
(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.

Dated: November 13, 2015
  
 /s/ Garrett S. Sill
   
 Garrett S. Sill
   
 Chief Financial Officer and Treasurer
   
(Principal Financial Officer and Principal Accounting Officer)
 
 

 EX-32.1 6 exh321.htm CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002
EXHIBIT 32.1
CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of Security National Financial Corporation (the "Company") on Form 10-Q for the period ending September 30, 2015, as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Scott M. Quist, Chairman of the Board, President and Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, to the best of my knowledge:

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

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

Dated: November 13, 2015
  
/s/ Scott M. Quist
   
Scott M. Quist
   
Chairman of the Board, President and Chief Executive Officer
   
(Principal Executive Officer)


EX-32.2 7 exh322.htm CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002
EXHIBIT 32.2
 
CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of Security National Financial Corporation (the "Company") on Form 10-Q for the period ending September 30, 2015, as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Garrett S. Sill, Acting Chief Financial Officer and Acting Treasurer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, to the best of my knowledge:

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

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

Dated: November 13, 2015
  
 /s/ Garrett S. Sill
   
 Garrett S. Sill
   
 Chief Financial Officer and Treasurer
   
(Principal Financial Officer and Principal Accounting Officer)



EX-101.INS 8 snfca-20150930.xml XBRL INSTANCE DOCUMENT 133357324 135018347 7208726 6752750 111683254 120050072 112661696 111411351 34461555 34125428 19980369 27059495 2496538 2483253 421849462 436900696 71895929 30855320 102235979 67534400 17332863 14544093 10330518 9347797 2776516 2645423 13454542 12036263 10819136 10848085 56978862 50307503 10256086 11307714 9041840 8547627 2765570 8084196 5594324 749395838 671069562 514497225 476727465 4794176 4961937 39535964 29020378 12919510 13242143 3466190 3406718 3788303 1789387 36583403 24408666 24505505 20421767 640090276 573978461 26720371 25931119 1851881 1438566 54705809 44101252 1949507 2086454 109305562 97091101 749395838 671069562 24962078 24918480 3014930 2788138 1856694 2003055 11819249 10875419 888807 693413 2.00 2.00 20000000 20000000 12481039 12459240 884375 986264 1.00 1.00 5000000 5000000 2.00 2.00 2000000 2000000 1507465 1394069 14563582 13804510 42331991 40268943 8432414 8191962 24845931 20541749 2811329 2490280 8701417 8768224 1352778 429910 2273618 968755 56290 383776 167497 443776 46923321 36235813 133475149 93546650 1467552 957093 4124324 2540253 75494686 61725792 215584933 166190798 7584209 6641923 23628492 20400042 715209 707539 1888606 1850302 4620413 5278079 12840591 14492604 1338084 1854041 3683437 4750976 21263606 17134597 63037164 43880642 15768614 13141100 45333563 36497666 1503476 1135913 4428192 3409971 1979767 1625624 5794633 4425105 553048 574323 1663172 1605871 1754781 1063451 4673991 2006876 2352611 1932627 6947976 5141946 6606960 5886301 19674568 16339983 1191627 954610 3551242 2238722 467881 418524 1414570 1419868 67700286 58348652 198560197 158460574 7794400 3377140 17024736 7730224 2904615 1239318 6418969 2829491 13775102 12924765 13598186 12931350 -859581 -429209 1427072 333725 -619641 -235888 -1013757 -75822 -1479222 -665097 3410563 1472725 11019082 5158636 23614574 2660382 23215875 1218396 39666587 -2624625 87751189 4900733 257903 257903 237398 237398 30 -30 80936 -22864 58072 240501 395994 636495 3446 -1 4910 -8355 2772 -2771 -2 -1 23701728 2657640 23675818 1476299 44558935 -2228631 93841789 24918480 2788138 25931119 1438566 44101252 -2086454 97091101 10605767 413315 413315 299986 299986 41862 228046 -1208 -244009 24691 489746 380956 870702 480 2 728 -1210 1256 -1256 24962078 3014930 26720371 1851881 54705809 -1949507 109305562 -3677377 36391145 8866792 1089843 10500608 8930341 3457180 4859850 1823404 2679292 31768007 15166706 38731918 2278147 1027533 2818985 217025 173172 59472 97207 272667236 212307189 278315445 177332341 2286053 1093783 2899322 11652845 10484664 11194483 3491378 24020215 13553864 -3000000 35602196 -42631622 7793428 7735783 9249285 11079789 24691 58072 1583942 1772665 12130898 5646518 9115790 587919 41040609 -5652558 30855320 38203164 71895929 32550606 2659985 886576 10-Q 2015-09-30 false SECURITY NATIONAL FINANCIAL CORP 0000318673 snfca --12-31 12481039 1507465 Smaller Reporting Company Yes No No 2015 Q3 <!--egx--><p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.5in;margin-bottom:.0001pt;line-height:115%;text-align:justify;text-indent:-.5in'><font style='letter-spacing:-.1pt'>1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font><u><font style='letter-spacing:-.1pt'>Basis of Presentation</font></u></p> <p style='margin-top:0in;margin-right:0in;margin-bottom:10.0pt;margin-left:.5in;line-height:115%;margin-left:45.0pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The accompanying unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and with the instructions to Form 10 Q and Articles 8 and 10 of Regulation S X. Accordingly, they do not include all of the information and disclosures required by accounting principles generally accepted in the United States of America for complete financial statements. These financial statements should be read in conjunction with the consolidated financial statements of the Company and notes thereto for the year ended December 31, 2014, included in the Company&#146;s Annual Report on Form 10-K (file number 000-09341). In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Operating results for the nine months ended September 30, 2015 are not necessarily indicative of the results that may be expected for the year ending December 31, 2015.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>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 amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:5.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The estimates susceptible to significant change are those used in determining the liability for future policy benefits and claims, those used in determining valuation allowances for mortgage loans on real estate and construction loans held for investment, those used in determining loan loss reserve, and those used in determining the estimated future costs for pre-need sales. Although some variability is inherent in these estimates, management believes the amounts provided are fairly stated in all material respects. </font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>2)&#160;&#160;&#160;&#160;&#160; <u>Recent Accounting Pronouncements</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:5.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>Accounting Standards Update (&#147;ASU&#148;) No. 2014-11: &quot;Transfers and Servicing - Repurchase to Maturity Transactions, Repurchase Financings, and Disclosures (Topic 860)&quot;</font></u><font style='letter-spacing:-.1pt'> &#150; Issued in June 2014, ASU 2014-11 aligns the accounting for repurchase to maturity transactions and repurchase agreements executed as a repurchase financing with the accounting for other typical repurchase agreements. Going forward, these transactions would all be accounted for as secured borrowings. The new authoritative guidance is effective for the first interim or annual period beginning after December 15, 2014. In addition the disclosure of certain transactions accounted for as a sale is effective for the first interim or annual period beginning on or after December 15, 2014, and the disclosure for transactions accounted for as secured borrowings is required for annual periods beginning after December 15, 2014, and interim periods beginning after March 15, 2015. This new guidance has not and will not have a significant impact on the Company&#146;s results of operations or financial position.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:5.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>ASU No. 2014-09: &#147;Revenue from Contracts with Customers (Topic 606)&#148;</font></u><font style='letter-spacing:-.1pt'> - Issued in May 2014, ASU 2014-09 supersedes the revenue recognition requirements in ASC Topic 605, &#147;Revenue Recognition&#148;, and requires entities to recognize revenue in a way that depicts 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. Insurance contracts are excluded from the scope of this new guidance. The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2017. The Company is in the process of evaluating the potential impact of this standard, which is not expected to be material to the Company&#146;s results of operations or financial position.</font></p> <p align="left" style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;text-align:left'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company has reviewed other recent accounting pronouncements and has determined that they will not significantly impact the Company&#146;s results of operations or financial position.</font></p> <font style='letter-spacing:-.1pt'> </font> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'><font style='letter-spacing:-.1pt'>3)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Investments</u></font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company&#146;s investments in fixed maturity securities held to maturity and equity securities available for sale as of September 30, 2015 are summarized as follows:</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:39.0pt'> <td width="27%" valign="bottom" style='width:27.42%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Amortized Cost</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="14%" valign="bottom" style='width:14.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Gross Unrealized Gains</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="17%" valign="bottom" style='width:17.26%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;Gross Unrealized Losses</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;Estimated Fair Value</p> </td> </tr> <tr style='height:15.0pt'> <td width="27%" valign="top" style='width:27.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'><u>September 30, 2015</u></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="top" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="top" style='width:17.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="top" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:31.5pt'> <td width="27%" valign="top" style='width:27.42%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fixed maturity securities held to maturity carried at amortized cost:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="15%" valign="top" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="14%" valign="top" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="17%" valign="top" style='width:17.26%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="15%" valign="top" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> </tr> <tr style='height:15.0pt'> <td width="27%" valign="bottom" style='width:27.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Bonds:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:25.5pt'> <td width="27%" valign="bottom" style='width:27.42%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>U.S. Treasury securities and obligations of U.S. Government agencies</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,860,138 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 340,699 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="17%" valign="bottom" style='width:17.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,200,837 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Obligations of states and political subdivisions</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,808,183 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 220,697 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,624)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,026,256 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Corporate securities including public utilities</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 126,024,969 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 11,952,326 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; (3,505,213)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 134,472,082 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Mortgage-backed securities</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,052,011 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 241,761 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (6,855)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;3,286,917 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Redeemable preferred stock</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 612,023 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,529 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.26%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; -&#160; &#160;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 639,552 </p> </td> </tr> <tr style='height:13.5pt'> <td width="27%" valign="top" style='width:27.42%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:10.0pt;text-autospace:ideograph-numeric ideograph-other'>Total fixed maturity securities held to maturity</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 133,357,324 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 12,783,012 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="17%" valign="bottom" style='width:17.26%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; (3,514,692)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 142,625,644 </p> </td> </tr> </table> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:39.0pt'> <td width="41%" valign="bottom" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Cost</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="10%" valign="bottom" style='width:10.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Gross Unrealized Gains</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="13%" valign="bottom" style='width:13.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Gross Unrealized Losses</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="11%" valign="bottom" style='width:11.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Estimated Fair Value</p> </td> </tr> <tr style='height:15.0pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'><u>September 30, 2015</u></p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="top" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="top" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="top" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="top" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="top" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="top" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="41%" valign="bottom" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Equity securities available for sale at estimated fair value:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="top" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="top" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="top" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="top" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="top" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="top" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Common stock:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="top" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="top" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="top" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="top" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="bottom" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="top" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="top" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="top" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="top" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="41%" valign="bottom" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Industrial, miscellaneous and all other</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,012,605 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 88,504 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; (1,892,383)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 7,208,726 </p> </td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="bottom" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:15.6pt'> <td width="41%" valign="bottom" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:15.6pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Total equity securities available for sale at estimated fair value</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.6pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.6pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,012,605 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.6pt'></td> <td width="10%" valign="bottom" style='width:10.62%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.6pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 88,504 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.6pt'></td> <td width="13%" valign="bottom" style='width:13.04%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.6pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; (1,892,383)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.6pt'></td> <td width="11%" valign="bottom" style='width:11.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.6pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 7,208,726 </p> </td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:25.5pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans on real estate and construction loans held for investment at amortized cost:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Residential</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; &#160;&#160;&#160;48,076,245 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Residential construction</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,862,660 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Commercial</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 36,601,043 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>Less: Allowance for loan losses</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,856,694)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:26.25pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total mortgage loans on real estate and construction loans held for investment</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 111,683,254 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Real estate held for investment - net of depreciation</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 112,661,696 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policy and other loans at amortized cost:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>Policy loans</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,038,768 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>Other loans</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,311,594 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>Less: Allowance for doubtful accounts</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (888,807)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:.05in'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total policy and other loans at amortized cost</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; 34,461,555 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Short-term investments at amortized cost</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; 19,980,369 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:12.0pt'>The Company&#146;s investments in fixed maturity securities held to maturity and equity securities available for sale as of December 31, 2014 are summarized as follows:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:12.0pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:39.0pt'> <td width="27%" valign="bottom" style='width:27.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Amortized Cost&#160; </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="14%" valign="bottom" style='width:14.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Gross Unrealized Gains</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="17%" valign="bottom" style='width:17.54%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;Gross Unrealized Losses&nbsp;&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;Estimated Fair Value&nbsp;&nbsp;</p> </td> </tr> <tr style='height:15.0pt'> <td width="27%" valign="top" style='width:27.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-other'><u>December 31, 2014</u>:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="top" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="top" style='width:17.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="top" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:25.5pt'> <td width="27%" valign="top" style='width:27.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fixed maturity securities held to maturity carried at amortized cost:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="top" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="top" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="17%" valign="top" style='width:17.54%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="top" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:15.0pt'> <td width="27%" valign="bottom" style='width:27.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Bonds:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="top" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="top" style='width:17.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="top" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:25.5pt'> <td width="27%" valign="bottom" style='width:27.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>U.S. Treasury securities and obligations of U.S. Government agencies</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,873,146 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 345,715 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="17%" valign="bottom" style='width:17.54%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,218,861 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Obligations of states and political subdivisions</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,736,489 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 221,893 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (5,278)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,953,104 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Corporate securities including public utilities</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 126,533,483 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 15,841,536 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (980,357)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 141,394,662 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Mortgage-backed securities</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,263,206 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 305,381 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (11,894)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,556,693 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Redeemable preferred stock</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 612,023 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 22,032 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.54%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 634,055 </p> </td> </tr> <tr style='height:13.5pt'> <td width="27%" valign="top" style='width:27.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:10.0pt;text-autospace:ideograph-numeric ideograph-other'>Total fixed maturity securities held to maturity</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 135,018,347 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 16,736,557 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="17%" valign="bottom" style='width:17.54%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; (997,529)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 150,757,375 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:12.0pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:39.0pt'> <td width="41%" valign="top" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="14%" valign="bottom" style='width:14.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Cost</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="11%" valign="bottom" style='width:11.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Gross Unrealized Gains</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="12%" valign="bottom" style='width:12.54%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Gross Unrealized Losses</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="11%" valign="bottom" style='width:11.84%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Estimated Fair Value</p> </td> </tr> <tr style='height:15.0pt'> <td width="41%" valign="top" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-other'><u>December 31, 2014</u>:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="top" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'> </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="top" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="top" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="top" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="top" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="top" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Equity securities available for sale at estimated fair value:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="top" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="top" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="top" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="top" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Common stock:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="top" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="top" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="top" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="top" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="top" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Industrial, miscellaneous and all other</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 7,179,010 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$ &#160;&#160;&#160;393,873 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160; (820,133)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.84%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160; 6,752,750 </p> </td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:19.9pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:19.9pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Total securities available for sale carried at estimated fair value</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:19.9pt'></td> <td width="14%" valign="bottom" style='width:14.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:19.9pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 7,179,010 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:19.9pt'></td> <td width="11%" valign="bottom" style='width:11.42%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:19.9pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160; 393,873 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:19.9pt'></td> <td width="12%" valign="bottom" style='width:12.54%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:19.9pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160; (820,133)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:19.9pt'></td> <td width="11%" valign="bottom" style='width:11.84%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:19.9pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160; 6,752,750 </p> </td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:25.5pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Mortgage loans on real estate and construction loans held for investment at amortized cost:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:15.0pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Residential</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'> $&#160;&#160;&#160; 53,592,433 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Residential construction</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,071,938 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Commercial</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 35,388,756 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:.25in;text-autospace:ideograph-other'>Less: Allowance for loan losses</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,003,055)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:.05in'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> </tr> <tr style='height:26.25pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Total mortgage loans on real estate and construction loans held for investment</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="14%" valign="bottom" style='width:14.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'> $&#160; 120,050,072 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> </tr> <tr style='height:6.6pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:6.6pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.6pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:6.6pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.6pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:6.6pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.6pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:6.6pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.6pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:6.6pt'></td> </tr> <tr style='height:15.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Real estate held for investment - net of depreciation</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'> $&#160; 111,411,351 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:9.0pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:9.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.0pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:9.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.0pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:9.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.0pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:9.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.0pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:9.0pt'></td> </tr> <tr style='height:17.25pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:17.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Policy and other loans at amortized cost:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:17.25pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:17.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:17.25pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:17.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:17.25pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:17.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:17.25pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:17.25pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:.25in;text-autospace:ideograph-other'>Policy loans</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 7,011,012 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:.25in;text-autospace:ideograph-other'>Other loans</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,807,829 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:.25in;text-autospace:ideograph-other'>Less: Allowance for doubtful accounts</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (693,413)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:4.15pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> </tr> <tr style='height:15.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Total policy and other loans at amortized cost</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>$&#160;&#160;&#160; 34,125,428 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:6.0pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Short-term investments at amortized cost</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'> $&#160;&#160;&#160; 27,059,495 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'><u>Fixed Maturity Securities</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The following tables summarize unrealized losses on fixed maturity securities, which are carried at amortized cost, at September 30, 2015 and December 31, 2014. The unrealized losses were primarily related to interest rate fluctuations. The tables set forth unrealized losses by duration and number of investment positions, together with the fair value of the related fixed maturity securities:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:63.75pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="13%" valign="bottom" style='width:13.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Unrealized Losses for Less than Twelve Months</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="12%" valign="bottom" style='width:12.16%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>No. of Investment Positions</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="13%" valign="bottom" style='width:13.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Unrealized Losses for More than Twelve Months</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="12%" valign="bottom" style='width:12.16%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>No. of Investment Positions</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="11%" valign="bottom" style='width:11.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total Unrealized Loss</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'><u>At June 30, 2015</u></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:25.5pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Obligations of states and political subdivisions</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>0</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.74%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,624 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>1</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" valign="bottom" style='width:11.82%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,624 </p> </td> </tr> <tr style='height:25.5pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Corporate securities including public utilities</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,798,201 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>74</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.74%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 707,012 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>12</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" valign="bottom" style='width:11.82%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,505,213 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Mortgage-backed securities</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,855 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>2</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>0</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,855 </p> </td> </tr> <tr style='height:13.5pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Total unrealized losses</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.86%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,805,056 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>76</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.74%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 709,636 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>13</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.82%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 3,514,692 </p> </td> </tr> <tr style='height:14.25pt'> <td width="25%" valign="top" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="13%" valign="bottom" style='width:13.86%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160; 23,917,114 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="13%" valign="bottom" style='width:13.74%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160; 2,327,984 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160; 26,245,098 </p> </td> </tr> <tr style='height:6.75pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="bottom" style='width:13.74%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.82%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>At December 31, 2014</u></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:25.5pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Obligations of states and political subdivisions</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>0</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.74%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 5,278 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>1</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" valign="bottom" style='width:11.82%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,278 </p> </td> </tr> <tr style='height:25.5pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Corporate securities including public utilities</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 548,310 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>21</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.74%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 432,047 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>11</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" valign="bottom" style='width:11.82%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 980,357 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Mortgage-backed securities</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,966 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>1</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,928 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>1</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 11,894 </p> </td> </tr> <tr style='height:13.5pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Total unrealized losses</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.86%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 552,276 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>22</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.74%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160; 445,253 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>13</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.82%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 997,529 </p> </td> </tr> <tr style='height:14.25pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="13%" valign="bottom" style='width:13.86%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'> $&#160; 7,081,352 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="13%" valign="bottom" style='width:13.74%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'> $ 2,777,587 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'> $&#160; 9,858,939 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>As of September 30, 2015, the average market value of the related fixed maturities was 88.2% of amortized cost and the average market value was 90.8% of amortized cost as of December 31, 2014. During the three months ended September 30, 2015 and 2014 an other than temporary decline in fair value resulted in the recognition of credit losses on fixed maturity securities of $30,000 and $30,000, respectively, and for the nine months ended September 30, 2015 and 2014 an other than temporary decline in fair value resulted in the recognition of credit losses on fixed maturity securities of $90,000 and $90,000, respectively.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>On a quarterly basis, the Company reviews its fixed maturity investment securities related to corporate securities and other public utilities, consisting of bonds and preferred stocks that are in a loss position. The review involves an analysis of the securities in relation to historical values, and projected earnings and revenue growth rates. Based on the analysis, a determination is made whether a security will likely recover from the loss position within a reasonable period of time. If it is unlikely that the investment will recover from the loss position, the loss is considered to be other than temporary, the security is written down to the impaired value and an impairment loss is recognized. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>Equity Securities</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The following tables summarize unrealized losses on equity securities that were carried at estimated fair value based on quoted trading prices at September 30, 2015 and December 31, 2014. The unrealized losses were primarily the result of decreases in fair value due to overall equity market declines. The tables set forth unrealized losses by duration and number of investment positions, together with the fair value of the related equity securities available-for-sale in a loss position:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:63.75pt'> <td width="32%" valign="bottom" style='width:32.1%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="11%" valign="bottom" style='width:11.7%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Unrealized Losses for Less than Twelve Months</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="11%" valign="bottom" style='width:11.28%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>No. of Investment Positions</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="11%" valign="bottom" style='width:11.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Unrealized Losses for More than Twelve Months</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="11%" valign="bottom" style='width:11.28%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>No. of Investment Positions</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="11%" valign="bottom" style='width:11.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total Unrealized Losses</p> </td> </tr> <tr style='height:12.75pt'> <td width="32%" valign="bottom" style='width:32.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>At September 30, 2015</u></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:14.35pt;text-autospace:ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:12.75pt'> <td width="32%" valign="bottom" style='width:32.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Industrial, miscellaneous and all other</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 973,583 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>273</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 918,800 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>66</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 1,892,383 </p> </td> </tr> <tr style='height:13.5pt'> <td width="32%" valign="bottom" style='width:32.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Total unrealized losses</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.7%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 973,583 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.28%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>273</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.72%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 918,800 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.28%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>66</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.02%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 1,892,383 </p> </td> </tr> <tr style='height:14.25pt'> <td width="32%" valign="bottom" style='width:32.1%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.7%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160; 4,723,167 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.72%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 802,547 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.02%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160; 5,525,714 </p> </td> </tr> <tr style='height:6.75pt'> <td width="32%" valign="bottom" style='width:32.1%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.7%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.72%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.02%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="32%" valign="bottom" style='width:32.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>At December 31, 2014</u></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="32%" valign="bottom" style='width:32.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Industrial, miscellaneous and all other</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 327,389 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>138</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160; 492,744 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>27</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 820,133 </p> </td> </tr> <tr style='height:13.5pt'> <td width="32%" valign="bottom" style='width:32.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Total unrealized losses</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.7%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 327,389 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.28%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>138</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.72%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160; 492,744 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.28%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>27</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.02%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 820,133 </p> </td> </tr> <tr style='height:14.25pt'> <td width="32%" valign="bottom" style='width:32.1%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.7%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>$&#160;&#160; 2,162,425 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.72%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>$&#160;&#160; 676,706 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.02%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>$&#160;&#160; 2,839,131 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>As of September 30, 2015, the average market value of the equity securities available for sale was 74.5% of the original investment and the average market value was 77.6% of the original investment as of December 31, 2014. The intent of the Company is to retain equity securities for a period of time sufficient to allow for the recovery in fair value. However, the Company may sell equity securities during a period in which the fair value has declined below the amount of the original investment. In certain situations new factors, including changes in the business environment, can change the Company&#146;s previous intent to continue holding a security. During the three months ended September 30, 2015 and 2014, an other than temporary decline in the fair value resulted in the recognition of an impairment loss on equity securities of $26,290 and $-0-, respectively, and for the nine months ended September 30, 2015 and 2014, an other than temporary decline in the fair value resulted in the recognition of an impairment loss on equity securities of $77,497 and $-0-, respectively. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>On a quarterly basis, the Company reviews its investment in industrial, miscellaneous and all other equity securities that are in a loss position. The review involves an analysis of the securities in relation to historical values, price earnings ratios, projected earnings and revenue growth rates. Based on the analysis a determination is made whether a security will likely recover from the loss position within a reasonable period of time. If it is unlikely that the investment will recover from the loss position, the loss is considered to be other than temporary, the security is written down to the impaired value and an impairment loss is recognized. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The fair values of fixed maturity securities are based on quoted market prices, when available. For fixed maturity securities not actively</font><font style='letter-spacing:-.1pt'> traded, fair values are estimated using values obtained from independent pricing services, or in the case of private placements, are estimated by discounting expected future cash flows using a current market value applicable to the coupon rate, credit and maturity of the investments. The fair values for equity securities are based on quoted market prices.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The amortized cost and estimated fair value of fixed maturity securities at September 30, 2015, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because certain borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:25.5pt'> <td width="40%" valign="top" style='width:40.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="3%" valign="top" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="26%" valign="bottom" style='width:26.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Amortized Cost&nbsp;&nbsp;&nbsp;</p> </td> <td width="3%" valign="top" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="26%" valign="bottom" style='width:26.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Estimated Fair Value&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</p> </td> </tr> <tr style='height:12.75pt'> <td width="40%" valign="top" style='width:40.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Held to Maturity:</p> </td> <td width="3%" valign="top" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="top" style='width:26.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="3%" valign="top" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="top" style='width:26.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:12.75pt'> <td width="40%" valign="bottom" style='width:40.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Due in 2015</p> </td> <td width="3%" valign="top" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 749,780 </p> </td> <td width="3%" valign="bottom" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 753,840 </p> </td> </tr> <tr style='height:12.75pt'> <td width="40%" valign="bottom" style='width:40.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Due in 2016 through 2019</p> </td> <td width="3%" valign="top" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 30,426,998 </p> </td> <td width="3%" valign="bottom" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,178,552 </p> </td> </tr> <tr style='height:12.75pt'> <td width="40%" valign="bottom" style='width:40.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Due in 2020 through 2024</p> </td> <td width="3%" valign="top" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,926,814 </p> </td> <td width="3%" valign="bottom" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 30,445,969 </p> </td> </tr> <tr style='height:12.75pt'> <td width="40%" valign="bottom" style='width:40.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Due after 2024</p> </td> <td width="3%" valign="top" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 69,589,698 </p> </td> <td width="3%" valign="bottom" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 74,320,814 </p> </td> </tr> <tr style='height:12.75pt'> <td width="40%" valign="bottom" style='width:40.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Mortgage-backed securities</p> </td> <td width="3%" valign="top" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;3,052,011 </p> </td> <td width="3%" valign="bottom" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,286,917 </p> </td> </tr> <tr style='height:12.75pt'> <td width="40%" valign="bottom" style='width:40.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Redeemable preferred stock</p> </td> <td width="3%" valign="top" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 612,023 </p> </td> <td width="3%" valign="bottom" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 639,552 </p> </td> </tr> <tr style='height:13.5pt'> <td width="40%" valign="bottom" style='width:40.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Total held to maturity</p> </td> <td width="3%" valign="top" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="26%" valign="bottom" style='width:26.34%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 133,357,324 </p> </td> <td width="3%" valign="bottom" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="26%" valign="bottom" style='width:26.32%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 142,625,644 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The amortized cost and estimated fair value of available for sale securities at September 30, 2015, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because certain borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Equities are valued using the specific identification method.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:25.5pt'> <td width="35%" valign="top" style='width:35.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="4%" valign="top" style='width:4.24%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="26%" valign="top" style='width:26.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'>&#160; Cost </p> </td> <td width="4%" valign="top" style='width:4.24%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="29%" valign="top" style='width:29.84%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'> Estimated Fair Value&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p> </td> </tr> <tr style='height:12.75pt'> <td width="35%" valign="top" style='width:35.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Available for Sale:</p> </td> <td width="4%" valign="top" style='width:4.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="top" style='width:26.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="4%" valign="top" style='width:4.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="29%" valign="top" style='width:29.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="35%" valign="bottom" style='width:35.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Common stock</p> </td> <td width="4%" valign="top" style='width:4.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 9,012,605 </p> </td> <td width="4%" valign="bottom" style='width:4.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="29%" valign="bottom" style='width:29.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,208,726 </p> </td> </tr> <tr style='height:13.5pt'> <td width="35%" valign="bottom" style='width:35.66%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Total available for sale</p> </td> <td width="4%" valign="top" style='width:4.24%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="26%" valign="bottom" style='width:26.04%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 9,012,605 </p> </td> <td width="4%" valign="bottom" style='width:4.24%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="29%" valign="bottom" style='width:29.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,208,726 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company&#146;s realized gains and losses, other than temporary impairments from investments and other assets, are summarized as follows:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="31%" valign="bottom" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="31%" colspan="3" valign="bottom" style='width:31.98%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Three Months Ended September 30</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="31%" colspan="3" valign="bottom" style='width:31.9%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Nine Months Ended September 30</p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="top" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'>2014</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'>2014</p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="top" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fixed maturity securities held to maturity:</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Gross realized gains</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ &#160;&#160;&#160;&#160;&#160;&#160;&#160;15,279 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 211,403 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 374,337 </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 258,951 </p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Gross realized losses</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (22,796)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (66,459)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (82,166)</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (68,742)</p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Other than temporary impairments</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (30,000)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (30,000)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (90,000)</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (90,000)</p> </td> </tr> <tr style='height:8.25pt'> <td width="31%" valign="top" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="top" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Securities available for sale:</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Gross realized gains</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 35,009 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 77,386 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 165,018 </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;214,303 </p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Gross realized losses</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,521)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (27,651)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (3,536)</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (38,918)</p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Other than temporary impairments</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (26,290)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (77,497)</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:6.75pt'> <td width="31%" valign="top" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="top" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Other assets:</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Gross realized gains</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 1,731,939 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 352,151 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,187,271 </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 720,082 </p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Gross realized losses</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (404,132)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (116,920)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (367,306)</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (116,921)</p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Other than temporary impairments</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (353,776)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (353,776)</p> </td> </tr> <tr style='height:15.75pt'> <td width="31%" valign="top" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:33.0pt;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.9%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 1,296,488 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.9%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160; 46,134 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.9%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 2,106,121 </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.82%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 524,979 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The net carrying amount of held to maturity securities sold was </font><font style='letter-spacing:-.1pt'>$2,543,312</font><font style='letter-spacing:-.1pt'> and </font><font style='letter-spacing:-.1pt'>$1,599,184</font><font style='letter-spacing:-.1pt'> for the nine months ended September 30, 2015 and 2014, respectively.&#160; The net realized gain related to these sales was </font><font style='letter-spacing:-.1pt'>$330,373</font><font style='letter-spacing:-.1pt'> and </font><font style='letter-spacing:-.1pt'>$18,051</font><font style='letter-spacing:-.1pt'> for the nine months ended September 30, 2015 and 2014, respectively. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='text-align:justify'><font style='letter-spacing:-.1pt'>There were no investments, aggregated by issuer, in excess of 10% of shareholders&#146; equity (before net unrealized gains and losses on available for sale securities) at September 30, 2015, other than investments issued or guaranteed by the United States Government.</font> </p> <p style='text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='text-align:justify'><font style='letter-spacing:-.1pt'>Major categories of net investment income are as follows:</font></p> <p style='text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:14.25pt'> <td width="31%" valign="bottom" style='width:31.7%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="33%" colspan="3" valign="bottom" style='width:33.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Three Months Ended September 30</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="33%" colspan="3" valign="bottom" style='width:33.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Nine Months Ended September 30</p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="top" style='width:31.7%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'>2014</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'>2014</p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.7%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Fixed maturity securities</p> </td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,014,014 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,036,407 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 6,139,698 </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 6,212,852 </p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.7%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Equity securities</p> </td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 61,238 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 73,110 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 175,954 </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 163,109 </p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.7%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Mortgage loans on real estate</p> </td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,754,852 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,216,711 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,396,016 </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,605,882 </p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.7%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Real estate</p> </td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,320,242 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,125,374 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,674,594 </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,416,939 </p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.7%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Policy loans</p> </td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 219,916 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 195,138 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 597,101 </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 574,393 </p> </td> </tr> <tr style='height:30.0pt'> <td width="31%" valign="bottom" style='width:31.7%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Short-term investments,&#160; principally gains on sale of mortgage loans and other</p> </td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,777,404 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,831,378 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 13,741,796 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,512,479 </p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.7%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Gross investment income</p> </td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 11,147,666 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 10,478,118 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; &#160;&#160;&#160;32,725,159 </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 27,485,654 </p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.7%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Investment expenses</p> </td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (2,715,252)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (2,286,156)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (7,879,228)</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (6,943,905)</p> </td> </tr> <tr style='height:15.75pt'> <td width="31%" valign="bottom" style='width:31.7%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Net investment income</p> </td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:double windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 8,432,414 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:double windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 8,191,962 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:double windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 24,845,931 </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:double windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 20,541,749 </p> </td> </tr> </table> <p style='text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='text-align:justify'><font style='letter-spacing:-.1pt'>Net investment income includes income earned by the restricted assets of the cemeteries and mortuaries of </font><font style='letter-spacing:-.1pt'>$119,963</font><font style='letter-spacing:-.1pt'> and </font><font style='letter-spacing:-.1pt'>$96,370</font><font style='letter-spacing:-.1pt'> for the three months ended September 30, 2015 and 2014, respectively, and </font><font style='letter-spacing:-.1pt'>$306,449</font><font style='letter-spacing:-.1pt'> and </font><font style='letter-spacing:-.1pt'>$268,729</font><font style='letter-spacing:-.1pt'> for the nine months ended September 30, 2015 and 2014, respectively.</font></p> <p style='text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='text-align:justify'><font style='letter-spacing:-.1pt'>Net investment income on real estate consists primarily of rental revenue.</font></p> <p style='text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='text-align:justify'><font style='letter-spacing:-.1pt'>Investment expenses consist primarily of depreciation, property taxes, operating expenses of real estate and an estimated portion of administrative expenses relating to investment activities.</font></p> <p style='text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='text-align:justify'><font style='letter-spacing:-.1pt'>Securities on deposit for regulatory authorities as required by law amounted to </font><font style='letter-spacing:-.1pt'>$9,065,847</font><font style='letter-spacing:-.1pt'> at September 30, 2015 and </font><font style='letter-spacing:-.1pt'>$8,886,001</font><font style='letter-spacing:-.1pt'> at December 31, 2014. The restricted securities are included in various assets under investments on the accompanying condensed consolidated balance sheets.</font></p> <p style='text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>Mortgage Loans</font></u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none'><font lang="X-NONE">Mortgage loans consist of first and second mortgages. The mortgage loans bear interest at rates ranging from 2.0% to 10.5%, maturity dates range from nine months to 30 years and are secured by real estate. Concentrations of credit risk arise when a number of mortgage loan debtors have similar economic characteristics that would cause their ability to meet contractual obligations to be similarly affected by changes in economic conditions. Although the Company has a diversified mortgage loan portfolio consisting of residential mortgages, commercial loans and residential construction loans and requires collateral on all real estate exposures, a substantial portion of its debtors&#146; ability to honor obligations is reliant on the economic stability of the geographic region in which the debtors do business.</font><font lang="X-NONE"> </font><font lang="X-NONE">At </font>September 30, 2015<font lang="X-NONE">, the Company had </font>44%<font lang="X-NONE">, </font>17%, 12%, 9%, and 5%<font lang="X-NONE"> of its mortgage loans from borrowers located in the states of Utah, California</font>, Texas, <font lang="X-NONE">Florida</font>, and Oregon,<font lang="X-NONE"> respectively. The mortgage loans on real estate balances on the consolidated balance sheet are reflected net of an allowance for loan losses of </font>$1,856,694<font lang="X-NONE"> </font><font lang="X-NONE">and </font><font lang="X-NONE">$</font>2,003,055<font lang="X-NONE"> at </font>September 30, 2015<font lang="X-NONE"> and December 31, 2014, respectively.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The following is a summary of the allowance for loan losses as a contra-asset account for the periods presented:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.12%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="99%" colspan="8" valign="bottom" style='width:99.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Allowance for Credit Losses and Recorded Investment in Mortgage Loans</b></p> </td> <td width="0%" style='border:none;padding:0'><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p></td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:18.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b> Commercial </b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b> Residential </b></p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b> Residential Construction </b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b> Total </b></p> </td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>September 30, 2015</b></p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Allowance for credit losses:</p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Beginning balance - January 1, 2015</p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,715,812 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,003,055 </p> </td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&#160;&#160; Charge-offs</p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&#160;&#160; Provision</p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (146,361)</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (146,361)</p> </td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance -September 30, 2015</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,569,451 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,856,694 </p> </td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance: individually evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 198,818 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 198,818 </p> </td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance: collectively evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,370,634 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,657,877 </p> </td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: loans acquired with deteriorated credit quality</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans:</p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 36,601,043 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 48,076,245 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 28,862,660 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 113,539,948 </p> </td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance: individually evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,989,318 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,989,318 </p> </td> </tr> <tr style='height:7.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance: collectively evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 36,601,043 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 45,086,928 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 28,862,660 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 110,550,631 </p> </td> </tr> <tr style='height:8.25pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: loans acquired with deteriorated credit quality</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:7.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>December 31, 2014</b></p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Allowance for credit losses:</p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Beginning balance - January 1, 2014</p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,364,847 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,652,090 </p> </td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&#160;&#160; Charge-offs</p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (38,444)</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (38,444)</p> </td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&#160;&#160; Provision</p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 389,409 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 389,409 </p> </td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance - December 31, 2014</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,715,812 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,003,055 </p> </td> </tr> <tr style='height:7.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance: individually evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 153,446 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 153,446 </p> </td> </tr> <tr style='height:8.25pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance: collectively evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,562,366 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,849,609 </p> </td> </tr> <tr style='height:8.25pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance: loans acquired with deteriorated credit quality</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:7.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Mortgage loans:</p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 35,388,756 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 53,592,433 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 33,071,938 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 122,053,127 </p> </td> </tr> <tr style='height:7.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance: individually evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,556,182 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 414,499 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,970,681 </p> </td> </tr> <tr style='height:7.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance: collectively evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 35,388,756 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 52,036,251 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 32,657,439 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 120,082,446 </p> </td> </tr> <tr style='height:7.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: loans acquired with deteriorated credit quality</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr align="left"> <td width="304" style='border:none'></td> <td width="87" style='border:none'></td> <td width="15" style='border:none'></td> <td width="91" style='border:none'></td> <td width="15" style='border:none'></td> <td width="90" style='border:none'></td> <td width="15" style='border:none'></td> <td width="91" style='border:none'></td> <td width="1" style='border:none'></td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none'><font lang="X-NONE">The following is a summary of the aging of mortgage loans for the periods presented</font>:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="100%" colspan="10" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Age Analysis of Past Due Mortgage Loans </b></p> </td> </tr> <tr style='height:12.75pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:27.75pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;30-59 Days Past Due </p> </td> <td width="9%" valign="bottom" style='width:9.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;60-89 Days Past Due </p> </td> <td width="9%" valign="bottom" style='width:9.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Greater Than 90 Days (1) </p> </td> <td width="10%" valign="bottom" style='width:10.76%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;In Foreclosure (1) </p> </td> <td width="10%" valign="bottom" style='width:10.48%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Total Past Due </p> </td> <td width="9%" valign="bottom" style='width:9.82%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Current </p> </td> <td width="10%" valign="bottom" style='width:10.12%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Total Mortgage Loans </p> </td> <td width="10%" valign="bottom" style='width:10.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Allowance for Loan Losses </p> </td> <td width="10%" valign="bottom" style='width:10.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Net Mortgage Loans </p> </td> </tr> <tr style='height:12.75pt'> <td width="17%" colspan="2" valign="bottom" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>September 30, 2015</b></p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:12.75pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Commercial</p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 36,601,043 </p> </td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 36,601,043 </p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (187,129)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 36,413,914 </p> </td> </tr> <tr style='height:12.75pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Residential</p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,183,084 </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 960,999 </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,207,683 </p> </td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,989,318 </p> </td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,341,084 </p> </td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 40,735,161 </p> </td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 48,076,245 </p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,569,451)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;46,506,794 </p> </td> </tr> <tr style='height:18.75pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Residential &#160; Construction</p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,797,765 </p> </td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,862,660 </p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (100,114)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,762,546 </p> </td> </tr> <tr style='height:12.75pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:13.5pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Total</p> </td> <td width="9%" valign="bottom" style='width:9.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 1,183,084 </p> </td> <td width="9%" valign="bottom" style='width:9.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 960,999 </p> </td> <td width="9%" valign="bottom" style='width:9.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 2,272,578 </p> </td> <td width="10%" valign="bottom" style='width:10.76%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,989,318 </p> </td> <td width="10%" valign="bottom" style='width:10.48%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,405,979 </p> </td> <td width="9%" valign="bottom" style='width:9.82%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 106,133,969 </p> </td> <td width="10%" valign="bottom" style='width:10.12%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 113,539,948 </p> </td> <td width="10%" valign="bottom" style='width:10.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; (1,856,694)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 111,683,254 </p> </td> </tr> <tr style='height:13.5pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> <tr style='height:12.75pt'> <td width="17%" colspan="2" valign="bottom" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'><b>December 31, 2014</b></p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Commercial</p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 35,388,756 </p> </td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 35,388,756 </p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (187,129)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; &#160;&#160;&#160;&#160;35,201,627 </p> </td> </tr> <tr style='height:12.75pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Residential</p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,631,142 </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,174,516 </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,464,901 </p> </td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,556,182 </p> </td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,826,741 </p> </td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 43,765,692 </p> </td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 53,592,433 </p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,715,812)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 51,876,621 </p> </td> </tr> <tr style='height:18.75pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Residential &#160; Construction</p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 414,499 </p> </td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 479,394 </p> </td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 32,592,544 </p> </td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,071,938 </p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (100,114)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 32,971,824 </p> </td> </tr> <tr style='height:12.75pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:13.5pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Total</p> </td> <td width="9%" valign="bottom" style='width:9.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,631,142 </p> </td> <td width="9%" valign="bottom" style='width:9.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,174,516 </p> </td> <td width="9%" valign="bottom" style='width:9.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 5,529,796 </p> </td> <td width="10%" valign="bottom" style='width:10.76%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,970,681 </p> </td> <td width="10%" valign="bottom" style='width:10.48%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 10,306,135 </p> </td> <td width="9%" valign="bottom" style='width:9.82%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 111,746,992 </p> </td> <td width="10%" valign="bottom" style='width:10.12%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 122,053,127 </p> </td> <td width="10%" valign="bottom" style='width:10.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; (2,003,055)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 120,050,072 </p> </td> </tr> <tr style='height:6.0pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:12.75pt'> <td width="100%" colspan="10" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>(1)&#160; Interest income is not recognized on loans past due greater than 90 days or in foreclosure.</p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none'><u><font lang="X-NONE">Impaired Mortgage Loans</font></u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none'><font lang="X-NONE">Impaired mortgage loans include loans with a related specific valuation allowance or loans whose carrying amount has been reduced to the expected collectible amount because the impairment has been considered other than temporary. The recorded investment in and unpaid principal balance of impaired loans along with the related loan specific allowance for losses, if any, for each reporting period and the average recorded investment and interest income recognized during the time the loans were impaired were as follows:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="100%" colspan="10" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Impaired Loans</b></p> </td> </tr> <tr style='height:6.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:32.25pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="12%" valign="bottom" style='width:12.54%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&#160;Recorded Investment </b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="12%" valign="bottom" style='width:12.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&#160;Unpaid Principal Balance </b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&#160;Related Allowance </b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="12%" valign="bottom" style='width:12.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&#160;Average Recorded Investment </b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="12%" valign="bottom" style='width:12.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&#160;Interest Income Recognized </b></p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>September 30, 2015</b></p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>With no related allowance recorded:</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>With an allowance recorded:</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; &#160;&#160;&#160;&#160;&#160;2,989,318 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,989,318 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 198,818 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,989,318 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total:</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,989,318 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,989,318 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 198,818 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,989,318 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>December 31, 2014</b></p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>With no related allowance recorded:</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 414,499 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 414,499 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 414,499 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>With an allowance recorded:</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160; 1,556,182 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160; 1,556,182 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; &#160; 153,446 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160; 1,556,182 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;- </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total:</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160; 1,556,182 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160; 1,556,182 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; &#160; 153,446 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160; 1,556,182 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 414,499 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 414,499 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 414,499 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>Credit Risk Profile Based on Performance Status </u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company&#146;s mortgage loan portfolio is monitored based on performance of the loans. Monitoring a mortgage loan increases when the loan is delinquent or earlier if there is an indication of impairment. The Company defines non-performing mortgage loans as loans 90&nbsp;days past due or on non-accrual status. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>The Company&#146;s performing and non-performing mortgage loans were as follows:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="100%" colspan="16" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Mortgage Loan Credit Exposure</b></p> </td> </tr> <tr style='height:12.75pt'> <td width="100%" colspan="16" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Credit Risk Profile Based on Payment Activity</b></p> </td> </tr> <tr style='height:6.75pt'> <td width="8%" valign="bottom" style='width:8.78%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.24%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:11.25pt'> <td width="8%" valign="bottom" style='width:8.78%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="22%" colspan="3" valign="bottom" style='width:22.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&#160;Commercial </b></p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="20%" colspan="3" valign="bottom" style='width:20.56%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&#160;Residential </b></p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="20%" colspan="3" valign="bottom" style='width:20.56%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&#160;Residential Construction </b></p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="20%" colspan="3" valign="bottom" style='width:20.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&#160;Total </b></p> </td> </tr> <tr style='height:20.45pt'> <td width="8%" valign="bottom" style='width:8.78%;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b>September</b><b> 30, 2015</b></p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'></td> <td width="10%" valign="bottom" style='width:10.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b>December 31, 2014</b></p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'></td> <td width="9%" valign="bottom" style='width:9.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b>September</b><b> 30, 2015</b></p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'></td> <td width="9%" valign="bottom" style='width:9.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b>December 31, 2014</b></p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'></td> <td width="9%" valign="bottom" style='width:9.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b>September</b><b> 30, 2015</b></p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'></td> <td width="9%" valign="bottom" style='width:9.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b>December 31, 2014</b></p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'></td> <td width="9%" valign="bottom" style='width:9.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b>September</b><b> 30, 2015</b></p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'></td> <td width="9%" valign="bottom" style='width:9.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b>December 31, 2014</b></p> </td> </tr> <tr style='height:6.75pt'> <td width="8%" valign="bottom" style='width:8.78%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.24%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:9.75pt'> <td width="8%" valign="bottom" style='width:8.78%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Performing</p> </td> <td width="10%" valign="bottom" style='width:10.24%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 36,601,043 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="10%" valign="bottom" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 35,388,756 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 42,879,244 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 46,571,350 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 28,797,765 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 32,592,544 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 108,278,052 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 114,552,650 </p> </td> </tr> <tr style='height:9.75pt'> <td width="8%" valign="bottom" style='width:8.78%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Nonperforming</p> </td> <td width="10%" valign="bottom" style='width:10.24%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="10%" valign="bottom" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,197,001 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,021,083 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 479,394 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,261,896 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,500,477 </p> </td> </tr> <tr style='height:6.75pt'> <td width="8%" valign="bottom" style='width:8.78%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.24%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:10.5pt'> <td width="8%" valign="bottom" style='width:8.78%;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Total</p> </td> <td width="10%" valign="bottom" style='width:10.24%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 36,601,043 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'></td> <td width="10%" valign="bottom" style='width:10.5%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 35,388,756 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'></td> <td width="9%" valign="bottom" style='width:9.34%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 48,076,245 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'></td> <td width="9%" valign="bottom" style='width:9.08%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 53,592,433 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'></td> <td width="9%" valign="bottom" style='width:9.34%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 28,862,660 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'></td> <td width="9%" valign="bottom" style='width:9.08%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 33,071,938 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'></td> <td width="9%" valign="bottom" style='width:9.6%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 113,539,948 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'></td> <td width="9%" valign="bottom" style='width:9.08%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 122,053,127 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;line-height:5.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'><u>Non-Accrual Mortgage Loans</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Once a loan is past due 90 days, it is the Company&#146;s policy to end the accrual of interest income on the loan and write off any income that had been accrued. Interest not accrued on these loans totals $571,000 and $535,000 as of September 30, 2015 and December 31, 2014, respectively.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&#160;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>The following is a summary of mortgage loans on a nonaccrual status for the periods presented. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="32%" valign="bottom" style='width:32.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="67%" colspan="3" valign="bottom" style='width:67.64%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Mortgage Loans on Nonaccrual Status</b></p> </td> </tr> <tr style='height:6.75pt'> <td width="32%" valign="bottom" style='width:32.36%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="67%" colspan="3" valign="bottom" style='width:67.64%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:25.5pt'> <td width="32%" valign="bottom" style='width:32.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="32%" valign="bottom" style='width:32.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> As of September 30 2015 </p> </td> <td width="3%" valign="bottom" style='width:3.34%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="31%" valign="bottom" style='width:31.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> As of December 31 2014 </p> </td> </tr> <tr style='height:12.75pt'> <td width="32%" valign="bottom" style='width:32.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Residential</p> </td> <td width="32%" valign="bottom" style='width:32.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,197,001 </p> </td> <td width="3%" valign="bottom" style='width:3.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="31%" valign="bottom" style='width:31.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,021,083 </p> </td> </tr> <tr style='height:12.75pt'> <td width="32%" valign="bottom" style='width:32.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Residential construction</p> </td> <td width="32%" valign="bottom" style='width:32.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="3%" valign="bottom" style='width:3.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="31%" valign="bottom" style='width:31.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 479,394 </p> </td> </tr> <tr style='height:13.5pt'> <td width="32%" valign="bottom" style='width:32.36%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Total</p> </td> <td width="32%" valign="bottom" style='width:32.52%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,261,896 </p> </td> <td width="3%" valign="bottom" style='width:3.34%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="31%" valign="bottom" style='width:31.78%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,500,477 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>Loan Loss Reserve</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The mortgage loan loss reserve is an estimate of probable losses at the balance sheet date that the Company will realize in the future on mortgage loans sold to third party investors. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The loan loss reserve analysis involves mortgage loans that have been sold to third party investors where the Company has received a demand from the investor. There are generally three types of demands: make whole, repurchase, or indemnification. These types of demands are more particularly described as follows:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify'><i>Make whole demand</i> &#150; A make whole demand occurs when an investor forecloses on a property and then sells the property. The make whole amount is calculated as the difference between the original unpaid principal balance, accrued interest and fees, less the sale proceeds.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-indent:.5in'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify'><i>Repurchase demand</i> &#150; A repurchase demand usually occurs when there is a significant payment default, error in underwriting or detected loan fraud.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify'><i>Indemnification demand</i> &#150; On certain loans the Company has negotiated a set fee that is to be paid in lieu of repurchase. The fee varies by investor and by loan product type.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>When a repurchase demand is received from a third party investor, the relevant data is reviewed and captured so that an estimated future loss can be calculated. The key factors that are used in the estimated loss calculation are as follows: (i) lien position, (ii) payment status, (iii) claim type, (iv) unpaid principal balance, (v) interest rate, and (vi) validity of the demand. Other data is captured and is useful for management purposes; the actual estimated loss is generally based on these key factors. The Company conducts its own review upon the receipt of a repurchase demand. In many instances, the Company is able to resolve the issues relating to the repurchase demand by the third party investor without having to make any payments to the investor.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The following is a summary of the loan loss reserve that is included in other liabilities and accrued expenses:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" style='margin-left:5.4pt;border-collapse:collapse'> <tr style='height:25.5pt'> <td valign="bottom" style='padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td valign="bottom" style='border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As of September 30 2015</p> </td> <td valign="bottom" style='padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td valign="bottom" style='border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As of December 31 2014</p> </td> </tr> <tr style='height:12.75pt'> <td valign="bottom" style='padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Balance, beginning of period</p> </td> <td valign="bottom" style='padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,718,150 </p> </td> <td valign="bottom" style='padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td valign="bottom" style='padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,506,532 </p> </td> </tr> <tr style='height:12.75pt'> <td valign="bottom" style='padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Provisions for losses</p> </td> <td valign="bottom" style='padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,673,991 </p> </td> <td valign="bottom" style='padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td valign="bottom" style='padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,053,403 </p> </td> </tr> <tr style='height:12.75pt'> <td valign="bottom" style='padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Charge-offs</p> </td> <td valign="bottom" style='padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (640,990)</p> </td> <td valign="bottom" style='padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td valign="bottom" style='padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (6,841,785)</p> </td> </tr> <tr style='height:13.5pt'> <td valign="bottom" style='padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Balance, end of period</p> </td> <td valign="bottom" style='border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,751,151 </p> </td> <td valign="bottom" style='padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td valign="bottom" style='border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,718,150 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company believes the loan loss reserve represents probable loan losses incurred as of the balance sheet date. Actual loan loss experience could change, in the near-term, from the established reserve based upon claims that could be asserted by third party investors. <font style='letter-spacing:-.1pt'>SecurityNational Mortgage believes there is potential to resolve any alleged claims by third party investors on acceptable terms. If SecurityNational Mortgage is unable to resolve such claims on acceptable terms, legal action may ensue. In the event of legal action by any third party investor, SecurityNational Mortgage believes it has significant defenses to any such action and intends to vigorously defend itself against such action.</font><font style='letter-spacing:-.1pt'> </font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>4)&#160;&#160;&#160;&#160;&#160; <u>Stock-Based Compensation</u></font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company has four fixed option plans (the &#147;2003 Plan&#148;, the &#147;2006 Director Plan&#148;, the &#147;2013 Plan&#148; and the &#147;2014 Director Plan&#148;).</font><font style='letter-spacing:-.1pt'> Compensation expense for options issued of </font><font style='letter-spacing:-.1pt'>$88,510</font><font style='letter-spacing:-.1pt'> and </font><font style='letter-spacing:-.1pt'>$108,872</font><font style='letter-spacing:-.1pt'> has been recognized for these plans for the three months ended September 30, 2015 and 2014, respectively, and </font><font style='letter-spacing:-.1pt'>$299,986</font><font style='letter-spacing:-.1pt'> and </font><font style='letter-spacing:-.1pt'>$237,398</font><font style='letter-spacing:-.1pt'> for the nine months ended September 30, 2015 and 2014, respectively. </font><font style='letter-spacing:-.1pt'>As of September 30, 2015, the total unrecognized compensation expense related to the options issued in December 2014 was </font><font style='letter-spacing:-.1pt'>$61,645</font><font style='letter-spacing:-.1pt'>, which is expected to be recognized over the vesting period of one year. At the Annual Meeting of Stockholders of the Company, held on July 1, 2015, the Company&#146;s stockholders approved an amendment to the Company&#146;s &#147;2013 Plan&#148; to authorize an additional 450,000 shares of Class A common stock to be available for issuance under the plan, of which up to 200,000 shares of Class A common shares may be issued as up to 200,000 shares of Class C common stock.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><font style='letter-spacing:-.1pt'>The Company generally estimates the expected life of the options based upon the contractual term of the options adjusted for actual experience.</font><font style='letter-spacing:-.1pt'> </font><font style='letter-spacing:-.1pt'>Future volatility is estimated based upon the a weighted historical volatility of the Company&#146;s Class A common stock and three peer company stocks over a period equal to the estimated life of the options.</font><font style='letter-spacing:-.1pt'> </font><font style='letter-spacing:-.1pt'>Common stock issued upon exercise of stock options are generally new share issuances rather than from treasury shares.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>A summary of the status of the Company&#146;s stock incentive plans as of September 30, 2015, and the changes during the nine months ended September 30, 2015, are presented below:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:.8in'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:.8in'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:.8in'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.8in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Number of Class A Shares</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:.8in'></td> <td width="12%" valign="bottom" style='width:12.26%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.8in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Weighted Average Exercise Price</p> </td> <td width="2%" valign="bottom" style='width:2.58%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.8in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="16%" valign="bottom" style='width:16.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.8in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Number of Class C Shares</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:.8in'></td> <td width="11%" valign="bottom" style='width:11.9%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.8in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Weighted Average Exercise Price</p> </td> </tr> <tr style='height:3.95pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Outstanding at December 31, 2014</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; &#160;&#160;&#160;&#160; 512,795 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 3.20 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; &#160;&#160; 691,591 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 2.00 </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Granted</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Exercised</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (23,820)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1.85 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; (114,023)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2.14 </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Cancelled</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160; (8,846)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; &#160;&#160;&#160;&#160; 2.31 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:15.75pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Outstanding at September 30, 2015</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 480,129 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 3.28 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; &#160;&#160;&#160;&#160;&#160; 577,568 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 2.62 </p> </td> </tr> <tr style='height:7.9pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>As of September 30, 2015:</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Options exercisable</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 447,571 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 3.17 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 550,693 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 2.51 </p> </td> </tr> <tr style='height:8.45pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>As of September 30, 2015:</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Available options for future grant</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 561,649 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 155,000 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:6.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Weighted average contractual term of options</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>outstanding at September 30, 2015</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>7.15 years</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>2.41 years</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:3.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Weighted average contractual term of options</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>exercisable at September 30, 2015</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>7.00 years</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>2.35 years</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:4.9pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Aggregated intrinsic value of options </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>outstanding at September 30, 2015 (1)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$1,646,768 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$2,363,921 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Aggregated intrinsic value of options </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:13.9pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>exercisable at September 30, 2015 (1)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$1,583,605 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> <td width="16%" valign="bottom" style='width:16.52%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$2,312,190 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> </tr> <tr style='height:6.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="100%" colspan="9" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>(1) The Company used a stock price of $6.71 as of September 30, 2015 to derive intrinsic value. </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>A summary of the status of the Company&#146;s stock incentive plans as of September 30, 2014, and the changes during the nine months ended September 30, 2014, are presented below:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:.8in'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:.8in'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:.8in'></td> <td width="13%" valign="bottom" style='width:13.38%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.8in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Number of Class A Shares</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:.8in'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.8in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Weighted Average Exercise Price</p> </td> <td width="2%" valign="bottom" style='width:2.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.8in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.8in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Number of Class C Shares</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:.8in'></td> <td width="13%" valign="bottom" style='width:13.16%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.8in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Weighted Average Exercise Price</p> </td> </tr> <tr style='height:3.95pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Outstanding at December 31, 2013</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 405,133 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 2.41 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 508,656 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 2.00 </p> </td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Granted</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 52,000</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;4.29 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 50,000 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4.72 </p> </td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Exercised</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (40,468)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1.66 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Cancelled</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (8,201)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2.29 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Outstanding at September 30, 2014</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 408,464 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 2.75 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.08%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 558,656 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 2.25 </p> </td> </tr> <tr style='height:7.9pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>As of September 30, 2014:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Options exercisable</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 334,869 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 2.40 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.08%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 495,532 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 1.92 </p> </td> </tr> <tr style='height:8.45pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>As of September 30, 2014:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Available options for future grant</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 412,480 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.08%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 55,000 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:6.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Weighted average contractual term of options</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>outstanding at September 30, 2014</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>7.01 years</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>2.57 years</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:3.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Weighted average contractual term of options</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>exercisable at September 30, 2014</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>6.45 years</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>1.80 years</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:4.9pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Aggregated intrinsic value of options </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>outstanding at September 30, 2014 (1)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$913,166 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.08%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$1,524,902 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:5.45pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Aggregated intrinsic value of options </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:13.9pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>exercisable at September 30, 2014 (1)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> <td width="13%" valign="bottom" style='width:13.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$869,804 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> <td width="13%" valign="bottom" style='width:13.08%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$1,512,402 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> </tr> <tr style='height:6.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="100%" colspan="9" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>(1) The Company used a stock price of $4.97 as of September 30, 2014 to derive intrinsic value. </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The total intrinsic value (which is the amount by which the fair value of the underlying stock exceeds the exercise price of an option on the exercise date) of stock options exercised during the nine months ended September 30, 2015 and 2014 was </font><font style='letter-spacing:-.1pt'>$532,418</font><font style='letter-spacing:-.1pt'> and </font><font style='letter-spacing:-.1pt'>$133,141</font><font style='letter-spacing:-.1pt'>, respectively. </font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'><font style='letter-spacing:-.1pt'>5)&#160;&#160;&#160;&#160;&#160; <u>Earnings Per Share</u></font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:6.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The basic and diluted earnings per share amounts were calculated as follows:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:27.0pt'> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="33%" valign="bottom" style='width:33.98%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="27%" colspan="3" valign="bottom" style='width:27.58%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Three Months Ended September 30</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="32%" colspan="3" valign="bottom" style='width:32.0%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Nine Months Ended September 30</p> </td> </tr> <tr style='height:12.75pt'> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="33%" valign="bottom" style='width:33.98%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" style='width:12.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.36%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> </td> </tr> <tr style='height:12.75pt'> <td width="36%" colspan="2" valign="bottom" style='width:36.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Numerator:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:13.5pt'> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="33%" valign="bottom" style='width:33.98%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.72%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 4,889,785 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.72%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 2,137,822 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.36%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 10,605,767 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.48%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 4,900,733 </p> </td> </tr> <tr style='height:13.5pt'> <td width="36%" colspan="2" valign="bottom" style='width:36.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Denominator:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.36%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.48%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> <tr style='height:12.75pt'> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="33%" valign="bottom" style='width:33.98%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Basic weighted-average shares outstanding </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 13,146,617 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 12,455,314 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.36%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 13,023,962 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 12,487,646 </p> </td> </tr> <tr style='height:12.75pt'> <td width="36%" colspan="2" valign="bottom" style='width:36.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Effect of dilutive securities:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="33%" valign="bottom" style='width:33.98%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Employee stock options</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 628,485 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 469,451 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 574,224 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 443,704 </p> </td> </tr> <tr style='height:5.45pt'> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="33%" valign="bottom" style='width:33.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="15%" valign="bottom" style='width:15.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="14%" valign="bottom" style='width:14.48%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:13.5pt'> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="33%" valign="bottom" style='width:33.98%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Diluted weighted-average shares outstanding</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.72%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 13,775,102 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.72%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 12,924,765 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.36%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,598,186 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.48%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 12,931,350 </p> </td> </tr> <tr style='height:6.2pt'> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="33%" valign="bottom" style='width:33.98%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="15%" valign="bottom" style='width:15.36%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="14%" valign="bottom" style='width:14.48%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> </tr> <tr style='height:13.5pt'> <td width="36%" colspan="2" valign="bottom" style='width:36.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Basic net earnings per share</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.72%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.37 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.72%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.17 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.36%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.81 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.48%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.39 </p> </td> </tr> <tr style='height:6.2pt'> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="33%" valign="bottom" style='width:33.98%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="15%" valign="bottom" style='width:15.36%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="14%" valign="bottom" style='width:14.48%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> </tr> <tr style='height:13.5pt'> <td width="36%" colspan="2" valign="bottom" style='width:36.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Diluted net earnings per share</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.72%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.35 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.72%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.17 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.36%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.78 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.48%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.38 </p> </td> </tr> <tr style='height:6.75pt'> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="33%" valign="bottom" style='width:33.98%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="15%" valign="bottom" style='width:15.36%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.48%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Net earnings per share amounts have been adjusted for the effect of annual stock dividends. For the three and nine months ended September 30, 2015 and 2014, there were </font><font style='letter-spacing:-.1pt'>-0-</font><font style='letter-spacing:-.1pt'> and </font><font style='letter-spacing:-.1pt'>56,912</font><font style='letter-spacing:-.1pt'> of anti-dilutive employee stock option shares, respectively, that were not included in the computation of diluted net loss per common share as their effect would be anti-dilutive.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'><font style='letter-spacing:-.1pt'>6)&#160;&#160;&#160;&#160;&#160; <u>Business Segments</u></font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;line-height:6.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none'><u><font lang="X-NONE">Description of Products and Services by Segment</font></u></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none'><font lang="X-NONE">The Company has three reportable business segments: life insurance, cemetery and mortuary, and mortgage. The Company&#146;s life insurance segment consists of life insurance premiums and operating expenses from the sale of insurance products sold by the Company&#146;s independent agency force and net investment income derived from investing policyholder and segment surplus funds. The Company&#146;s cemetery and mortuary segment consists of revenues and operating expenses from the sale of at-need cemetery and mortuary merchandise and services at its mortuaries and cemeteries, pre-need sales of cemetery spaces after collection of 10% or more of the purchase price and the net investment income from investing segment surplus funds. The Company&#146;s mortgage segment consists of loan fee income and expenses from the originations of residential and commercial mortgage loans and interest earned and interest expenses from warehousing pre-sold loans before the funds are received from financial institutional investors.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none'><u><font lang="X-NONE">Measurement of Segment Profit or Loss and Segment Assets</font></u></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none'><font lang="X-NONE">The accounting policies of the reportable segments are the same as those described in the Significant Accounting Principles of the form 10K for the year ended December 31, 2014. Intersegment revenues are recorded at cost plus an agreed upon intercompany profit, and are eliminated upon consolidation.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none'><u><font lang="X-NONE">Factors Management Used to Identify the Enterprise&#146;s Reportable Segments</font></u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:5.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company&#146;s reportable segments are business units that offer different products and are managed separately due to the different products and the need to report to the various regulatory jurisdictions.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:31.5pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="14%" valign="bottom" style='width:14.64%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Life Insurance </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="14%" valign="bottom" style='width:14.0%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Cemetery/ Mortuary</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="15%" valign="bottom" style='width:15.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Mortgage</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Eliminations</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="15%" valign="bottom" style='width:15.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Consolidated</p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>For the Three Months Ended </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>September 30, 2015</u></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:30.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Revenues from external customers</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 23,148,090 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 3,123,168 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 49,223,428 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 75,494,686 </p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Intersegment revenues</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 3,206,703 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 292,445 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 76,159 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; (3,575,307)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:30.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Segment profit before income taxes</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 3,655,998 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 250,111 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 3,888,291 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 7,794,400 </p> </td> </tr> <tr style='height:4.15pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>For the Three Months Ended </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>September 30, 2014</u></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:30.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Revenues from external customers</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 21,552,754 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 2,707,908 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 37,465,130 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 61,725,792 </p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Intersegment revenues</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,407,685 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 331,415 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 166,043 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; (2,905,143)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:30.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Segment profit before income taxes</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 1,986,732 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (119,548)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 1,509,956 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 3,377,140 </p> </td> </tr> <tr style='height:7.15pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>For the Nine Months Ended </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>September 30, 2015</u></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:30.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Revenues from external customers</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 65,610,558 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 9,436,496 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 140,537,879 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 215,584,933 </p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Intersegment revenues</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 8,884,390 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 910,016 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 256,950 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; (10,051,356)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:30.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Segment profit before income taxes</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 7,175,036 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 811,261 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 9,038,439 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 17,024,736 </p> </td> </tr> <tr style='height:5.25pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Identifiable Assets</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 709,683,255 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; 100,760,704 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 71,954,237 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; (133,002,358)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 749,395,838 </p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Goodwill</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> </tr> <tr style='height:4.5pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>For the Nine Months Ended </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>September 30, 2014</u></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:30.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Revenues from external customers</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 59,836,068 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 9,283,357 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 97,071,373 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 166,190,798 </p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Intersegment revenues</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 6,825,600 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 1,002,027 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 561,438 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; (8,389,065)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:30.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Segment profit before income taxes</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 4,833,627 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 232,141 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,664,456 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 7,730,224 </p> </td> </tr> <tr style='height:4.7pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:4.7pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.7pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:4.7pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.7pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:4.7pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.7pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:4.7pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.7pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:4.7pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.7pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:4.7pt'></td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Identifiable Assets</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 646,540,190 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; 106,836,565 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 56,961,903 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; (149,825,928)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 660,512,730 </p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Goodwill</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 285,191 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 3,050,761 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>7)&#160;&#160;&#160;&#160;&#160; <u>Fair Value of Financial Instruments</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Generally accepted accounting principles (GAAP) defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants. GAAP also specifies a fair value hierarchy based upon the observability of inputs used in valuation techniques. Observable inputs (highest level) reflect market data obtained from independent sources, while unobservable inputs (lowest level) reflect internally developed market assumptions. Fair value measurements are classified under the following hierarchy:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i>Level 1:&#160; </i>Financial assets and financial liabilities whose values are based on unadjusted quoted prices for identical assets or liabilities in an active market that we can access.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:24.0pt;text-align:justify;text-indent:-24.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:24.0pt;text-align:justify;text-indent:-24.0pt'><i>Level 2: </i>Financial assets and financial liabilities whose values are based on the following:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify;text-indent:6.0pt'>a) Quoted prices for similar assets or liabilities in active markets;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.75in;text-align:justify;text-indent:-12.0pt'>b) Quoted prices for identical or similar assets or liabilities in non-active markets; or</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.75in;text-align:justify;text-indent:-12.0pt'>c) Valuation models whose inputs are observable, directly or indirectly, for substantially the full term of the asset or liability.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.75in;text-align:justify;text-indent:-12.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i>Level 3:&#160; </i>Financial assets and financial liabilities whose values are based on prices or valuation techniques that require inputs that are both unobservable and significant to the overall fair value measurement. These inputs may reflect our estimates of the assumptions that market participants would use in valuing the financial assets and financial liabilities. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><font style='background:white'>The Company utilizes a combination of third party valuation service providers, brokers, and internal valuation models to determine fair value.</font> </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The following methods and assumptions were used by the Company in estimating the fair value disclosures related to other significant financial instruments:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><font style='background:white'>The items shown under Level 1 and Level 2 are valued as follows:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><i><u><font style='letter-spacing:-.1pt'>Securities Available for Sale and Held to Maturity</font></u></i><i><font style='letter-spacing:-.1pt'>: </font></i><font style='letter-spacing:-.1pt'>The fair values of investments in fixed maturity and equity securities along with methods used to estimate such values are disclosed in Note 3 of the Notes to Condensed Consolidated Statements.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i><u><font style='letter-spacing:-.1pt'>Restricted Assets</font></u></i><i><font style='letter-spacing:-.1pt'>:</font></i><font style='letter-spacing:-.1pt'> </font><font style='letter-spacing:-.1pt'>A portion of these assets include mutual funds and equity securities that have quoted market prices. Also included are cash and cash equivalents and participations in mortgage loans. The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i><u><font style='letter-spacing:-.1pt'>Cemetery Perpetual Care Trust Investments</font></u></i><i><font style='letter-spacing:-.1pt'>:</font></i><font style='letter-spacing:-.1pt'>&#160; A portion of these assets include equity securities that have quoted market prices. Also included are cash and cash equivalents. The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i><u><font style='letter-spacing:-.1pt'>Call and Put Options</font></u></i><i><font style='letter-spacing:-.1pt'>:</font></i><font style='letter-spacing:-.1pt'> The Company uses quoted market prices to value its call and put options.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The items shown under Level 3 are valued as follows:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i><u>Policyholder Account Balances and Future Policy Benefits-Annuities</u></i>: &#160;<font style='letter-spacing:-.1pt'>Future policy benefit reserves for interest-sensitive insurance products are computed under a retrospective deposit method and represent policy account balances before applicable surrender charges. Policy benefits and claims that are charged to expense include benefit claims incurred in the period in excess of related policy account balances. Interest crediting rates for interest-sensitive insurance products ranged from 4% to 6.5%. The fair values for the Company&#146;s liabilities under investment-type insurance contracts (disclosed as policyholder account balances and future policy benefits &#150; annuities) are estimated based on the contracts&#146; cash surrender values.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The fair values for the Company&#146;s insurance contracts other than investment-type contracts are not required to be disclosed. However, the fair values of liabilities under all insurance contracts are taken into consideration in the Company&#146;s overall management of interest rate risk, such that the Company&#146;s exposure to changing interest rates is minimized through the matching of investment maturities with amounts due under insurance contracts.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><i><u>Interest Rate Lock Commitments</u></i>: The Company&#146;s mortgage banking activities enters into interest rate lock commitments with potential borrowers and forward commitments to sell loans to third-party investors. The Company also implements a hedging strategy for these transactions. A mortgage loan commitment binds the Company to lend funds to a qualified borrower at a specified interest rate and within a specified period of time, generally up to 30 days after inception of the mortgage loan commitment. Mortgage loan commitments are defined to be derivatives under generally accepted accounting principles and are recognized at fair value on the consolidated balance sheet with changes in their fair values recorded as part of other comprehensive income from mortgage banking operations.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The Company estimates the fair value of a mortgage loan commitment based on the change in estimated fair value of the underlying mortgage loan and the probability that the mortgage loan will fund within the terms of the commitment. The change in fair value of the underlying mortgage loan is measured from the date the mortgage loan commitment is issued. Therefore, at the time of issuance, the estimated fair value is zero. Following issuance, the value of a mortgage loan commitment can be either positive or negative depending upon the change in value of the underlying mortgage loans. Fallout rates derived from the Company&#146;s recent historical empirical data are used to estimate the quantity of mortgage loans that will fund within the terms of the commitments.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i><u>Bank Loan Interest Rate Swaps</u></i>: Management considers the interest rate swap instruments to be an effective cash flow hedge against the variable interest rate on bank borrowings since the interest rate swap mirrors the term of the note payable and expires on the maturity date of the bank loan it hedges. The interest rate swaps are a derivative financial instruments carried at its fair value. The fair value of the interest rate swap was derived from a proprietary model of the bank from whom the interest rate swap was purchased and to whom the note is payable.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i><u><font style='letter-spacing:-.1pt'>Mortgage Loans on Real Estate</font></u></i><i><font style='letter-spacing:-.1pt'>: </font></i><font style='letter-spacing:-.1pt'>The fair values are estimated using interest rates currently being offered for similar loans to borrowers with similar credit ratings. Loans with similar characteristics are aggregated for purposes of the calculations. The carrying amounts reported in the accompanying condensed consolidated balance sheet for these financial instruments approximate their fair values.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-right:-1.0pt;text-align:justify'><i><u><font style='letter-spacing:-.1pt'>Real Estate Held for Investment</font></u></i><font style='letter-spacing:-.1pt'>: </font>The Company believes that in an orderly market, fair value will approximate the replacement cost of a home and the rental income provides a cash flow stream for investment analysis. The Company believes the highest and best use of the properties are as income producing assets since it is the Company&#146;s intent to hold the properties as rental properties, matching the income from the investment in rental properties with the funds required for future estimated policy claims. Accordingly, the fair value determination will be weighted more heavily toward the rental analysis. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-right:-1.0pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-right:-1.0pt;text-align:justify'>It should be noted that for replacement cost, when determining the fair value of mortgage properties, the Company uses Marshall and Swift, a provider of building cost information to the real estate construction industry. For the investment analysis, the Company used market data based upon its real estate operation experience and projected the present value of the net rental income over seven years. The Company used 60% of the projected cash flow analysis and 40% of the replacement cost to approximate fair value of the collateral. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-right:-1.0pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>In addition to this analysis performed by the Company, the Company depreciates Other Real Estate Held for Investment. This depreciation reduces the book value of these properties and lessens the exposure to the Company from further deterioration in real estate values.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i><u>Mortgage Servicing Rights</u></i>: The Company initially recognizes MSRs at their estimated fair values derived from the net cash flows associated with the servicing contracts, where the Company assumes the obligation to service the loan in the sale transaction. The precise fair value of MSRs cannot be readily determined because MSRs are not actively traded in stand-alone markets. Considerable judgment is required to estimate the fair values of these assets and the exercise of such judgment can significantly affect the Company&#146;s earnings. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company&#146;s subsequent accounting for MSRs is based on the class of MSRs. The Company has identified two classes of MSRs: MSRs backed by mortgage loans with initial term of 30 years and MSRs backed by mortgage loans with initial term of 15 years. The Company distinguishes between these classes of MSRs due to their differing sensitivities to change in value as the result of changes in market. After being initially recorded at fair value, MSRs backed by mortgage loans are accounted for using the amortization method. MSR amortization is determined by amortizing the balance straight-line over an estimated nine year life.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company periodically assesses MSRs for impairment. Impairment occurs when the current fair value of the MSR falls below the asset&#146;s carrying value (carrying value is the amortized cost reduced by any related valuation allowance). If MSRs are impaired, the impairment is recognized in current-period earnings and the carrying value of the MSRs is adjusted through a valuation allowance.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-right:-1.0pt;text-align:justify'>Management periodically reviews the various loan strata to determine whether the value of the MSRs in a given stratum is impaired and likely to recover. When management deems recovery of the value to be unlikely in the foreseeable future, a write-down of the cost of the MSRs for that stratum to its estimated recoverable value is charged to the valuation allowance.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-right:-1.0pt;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-right:-1.0pt;text-align:justify'>The following tables summarize Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a recurring basis by their classification in the condensed consolidated balance sheet at September 30, 2015. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-right:-1.0pt;text-align:justify;line-height:4.0pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:51.0pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:51.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:51.0pt'></td> <td width="17%" valign="bottom" style='width:17.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Total</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:51.0pt'></td> <td width="20%" valign="bottom" style='width:20.12%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Quoted Prices in Active Markets for Identical Assets (Level 1)</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:51.0pt'></td> <td width="14%" valign="bottom" style='width:14.94%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Significant Observable Inputs (Level 2)</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:51.0pt'></td> <td width="19%" valign="bottom" style='width:19.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Significant Unobservable Inputs (Level 3)</b></p> </td> </tr> <tr style='height:25.5pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Assets accounted for at fair value on a recurring basis</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:12.75pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Common stock</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,208,726 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,208,726 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:13.5pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total securities available for sale</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="17%" valign="bottom" style='width:17.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,208,726 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="20%" valign="bottom" style='width:20.12%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,208,726 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.94%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="19%" valign="bottom" style='width:19.44%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:5.45pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:12.75pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Restricted assets of cemeteries and mortuaries</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 670,390 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 670,390 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Cemetery perpetual care trust investments</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 609,303 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 609,303 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> </tr> <tr style='height:12.75pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Derivatives - interest rate lock commitments</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,756,170 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,756,170 </p> </td> </tr> <tr style='height:26.25pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Total assets accounted for at fair value on a recurring basis</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="17%" valign="bottom" style='width:17.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,244,589 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="20%" valign="bottom" style='width:20.12%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,488,419 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="14%" valign="bottom" style='width:14.94%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="19%" valign="bottom" style='width:19.44%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,756,170 </p> </td> </tr> <tr style='height:5.25pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> <tr style='height:25.5pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Liabilities accounted for at fair value on a&#160; recurring basis</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:12.75pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policyholder account balances</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; (50,915,543)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; (50,915,543)</p> </td> </tr> <tr style='height:12.75pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Future policy benefits - annuities</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (63,289,669)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (63,289,669)</p> </td> </tr> <tr style='height:12.75pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:45.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Derivatives&#160; - call options</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (6,715)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (6,715)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:35.85pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; - put options</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (103,684)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (103,684)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> </tr> <tr style='height:12.75pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:45.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; - interest rate lock commitments</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (518,227)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="20%" valign="bottom" style='width:20.12%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.94%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (518,227)</p> </td> </tr> <tr style='height:26.25pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Total liabilities accounted for at fair value on a recurring basis</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="17%" valign="bottom" style='width:17.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; (114,833,838)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="20%" valign="bottom" style='width:20.12%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (110,399)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="14%" valign="bottom" style='width:14.94%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="19%" valign="bottom" style='width:19.44%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; (114,723,439)</p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-right:-1.0pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Following is a summary of changes in the condensed consolidated balance sheet line items measured using level 3 inputs:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:45.0pt'> <td width="26%" valign="bottom" style='width:26.02%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="18%" valign="bottom" style='width:18.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Policyholder Account Balances </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="15%" valign="bottom" style='width:15.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Future Policy Benefits - Annuities </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Interest Rate Lock Commitments </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Bank Loan Interest Rate Swaps </p> </td> </tr> <tr style='height:5.1pt'> <td width="26%" valign="bottom" style='width:26.02%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="18%" valign="bottom" style='width:18.3%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance - December 31, 2014</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="18%" valign="bottom" style='width:18.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (45,310,699)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; (65,540,985)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,929,851 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (31,370)</p> </td> </tr> <tr style='height:5.1pt'> <td width="26%" valign="bottom" style='width:26.02%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="18%" valign="bottom" style='width:18.3%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total gains (losses):</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="18%" valign="bottom" style='width:18.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:5.1pt'> <td width="26%" valign="bottom" style='width:26.02%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="18%" valign="bottom" style='width:18.3%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-numeric ideograph-other'>Included in earnings</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="18%" valign="bottom" style='width:18.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (5,604,844)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,251,316 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:5.1pt'> <td width="26%" valign="bottom" style='width:26.02%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="18%" valign="bottom" style='width:18.3%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> </tr> <tr style='height:25.5pt'> <td width="26%" valign="bottom" style='width:26.02%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-numeric ideograph-other'>Included in other comprehensive income (loss)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="18%" valign="bottom" style='width:18.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="bottom" style='width:15.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="16%" valign="bottom" style='width:16.22%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,308,092 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 31,370 </p> </td> </tr> <tr style='height:5.1pt'> <td width="26%" valign="bottom" style='width:26.02%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="18%" valign="bottom" style='width:18.3%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> </tr> <tr style='height:13.5pt'> <td width="26%" valign="bottom" style='width:26.02%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance - September 30, 2015</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="18%" valign="bottom" style='width:18.3%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (50,915,543)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.92%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; (63,289,669)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="16%" valign="bottom" style='width:16.22%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,237,943 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;line-height:6.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt'>The following tables summarize Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a nonrecurring basis by their classification in the condensed consolidated balance sheet at September 30, 2015.</p> <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="39%" valign="bottom" style='width:39.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Quoted Prices</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="39%" valign="bottom" style='width:39.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>in Active</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Significant</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Significant</b></p> </td> </tr> <tr style='height:12.75pt'> <td width="39%" valign="bottom" style='width:39.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Markets for </b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Observable </b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Unobservable</b></p> </td> </tr> <tr style='height:12.75pt'> <td width="39%" valign="bottom" style='width:39.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Identical Assets</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Inputs</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Inputs</b></p> </td> </tr> <tr style='height:12.75pt'> <td width="39%" valign="bottom" style='width:39.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="12%" valign="bottom" style='width:12.46%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Total</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>(Level 1)</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>(Level 2)</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>(Level 3)</b></p> </td> </tr> <tr style='height:25.5pt'> <td width="39%" valign="bottom" style='width:39.52%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Assets accounted for at fair value on a nonrecurring basis</p> </td> <td width="12%" valign="bottom" style='width:12.46%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="bottom" style='width:15.74%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" valign="bottom" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.78%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:12.75pt'> <td width="39%" valign="bottom" style='width:39.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage servicing rights</p> </td> <td width="12%" valign="bottom" style='width:12.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 4,674,218 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 4,674,218 </p> </td> </tr> <tr style='height:12.75pt'> <td width="39%" valign="bottom" style='width:39.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans on real estate</p> </td> <td width="12%" valign="bottom" style='width:12.46%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 320,000 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; -&#160;&#160; </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; -&#160;&#160; </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 320,000 </p> </td> </tr> <tr style='height:26.25pt'> <td width="39%" valign="bottom" style='width:39.52%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Total assets accounted for at fair value on a nonrecurring basis</b></p> </td> <td width="12%" valign="bottom" style='width:12.46%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 4,994,218 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="15%" valign="bottom" style='width:15.74%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="11%" valign="bottom" style='width:11.96%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 4,994,218 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt'>The following tables summarize Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a recurring basis by their classification in the condensed consolidated balance sheet at December 31, 2014.</p> <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:65.25pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:65.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:65.25pt'></td> <td width="14%" valign="bottom" style='width:14.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:65.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Total</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:65.25pt'></td> <td width="19%" valign="bottom" style='width:19.7%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:65.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Quoted Prices in Active Markets for Identical Assets (Level 1)</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:65.25pt'></td> <td width="15%" valign="bottom" style='width:15.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:65.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Significant Observable Inputs (Level 2)</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:65.25pt'></td> <td width="17%" valign="bottom" style='width:17.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:65.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Significant Unobservable Inputs (Level 3)</b></p> </td> </tr> <tr style='height:25.5pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Assets accounted for at fair value on a recurring basis</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="top" style='width:14.04%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="19%" valign="top" style='width:19.7%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="top" style='width:15.82%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="17%" valign="top" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:12.75pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Common stock</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,752,750 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.7%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,752,750 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:13.5pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total securities available for sale</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.04%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,752,750 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="19%" valign="bottom" style='width:19.7%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,752,750 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="17%" valign="bottom" style='width:17.74%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:6.0pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="14%" valign="bottom" style='width:14.04%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="19%" valign="bottom" style='width:19.7%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="15%" valign="bottom" style='width:15.82%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="17%" valign="bottom" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:12.75pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Restricted assets of cemeteries and mortuaries</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 715,202 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 715,202 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Cemetery perpetual care trust investments</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 695,235 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 695,235 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> </tr> <tr style='height:12.75pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Derivatives - interest rate lock commitments</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,111,529 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.7%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,111,529 </p> </td> </tr> <tr style='height:26.25pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Total assets accounted for at fair value on a recurring basis</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="14%" valign="bottom" style='width:14.04%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,274,716 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="19%" valign="bottom" style='width:19.7%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,163,187 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="15%" valign="bottom" style='width:15.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="17%" valign="bottom" style='width:17.74%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,111,529 </p> </td> </tr> <tr style='height:26.25pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Liabilities accounted for at fair value on a recurring basis</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="14%" valign="bottom" style='width:14.04%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="19%" valign="bottom" style='width:19.7%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="15%" valign="bottom" style='width:15.82%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="17%" valign="bottom" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> </tr> <tr style='height:12.75pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policyholder account balances</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; (45,310,699)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; (45,310,699)</p> </td> </tr> <tr style='height:12.75pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Future policy benefits - annuities</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (65,540,985)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (65,540,985)</p> </td> </tr> <tr style='height:12.75pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Derivatives - bank loan interest rate swaps</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (31,370)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (31,370)</p> </td> </tr> <tr style='height:12.75pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; - call options</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (116,036)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (116,036)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - put options</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (11,867)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (11,867)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; - interest rate lock commitment</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (181,678)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.7%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (181,678)</p> </td> </tr> <tr style='height:26.25pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Total liabilities accounted for at fair value on a recurring basis</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="14%" valign="bottom" style='width:14.04%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; (111,192,635)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="19%" valign="bottom" style='width:19.7%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (127,903)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="15%" valign="bottom" style='width:15.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="17%" valign="bottom" style='width:17.74%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; (111,064,732)</p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Following is a summary of changes in the condensed consolidated balance sheet line items measured using level 3 inputs:</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:38.25pt'> <td width="18%" valign="bottom" style='width:18.58%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="18%" valign="bottom" style='width:18.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Policyholder Account Balances </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="19%" valign="bottom" style='width:19.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Future Policy Benefits - Annuities </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="19%" valign="bottom" style='width:19.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Interest Rate Lock Commitments </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="16%" valign="bottom" style='width:16.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Bank Loan Interest Rate Swaps </p> </td> </tr> <tr style='height:12.75pt'> <td width="18%" valign="bottom" style='width:18.58%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance - December 31, 2013</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="18%" valign="bottom" style='width:18.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; (48,000,668)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; (65,052,928)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,487,908 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; (58,310)</p> </td> </tr> <tr style='height:15.0pt'> <td width="18%" valign="bottom" style='width:18.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total gains (losses):</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="19%" valign="bottom" style='width:19.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="19%" valign="bottom" style='width:19.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:12.75pt'> <td width="18%" valign="bottom" style='width:18.58%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-numeric ideograph-other'>Included in earnings</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="18%" valign="bottom" style='width:18.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,689,969 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (488,057)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> </tr> <tr style='height:12.75pt'> <td width="18%" valign="bottom" style='width:18.58%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>Included in other</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="18%" valign="bottom" style='width:18.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="18%" valign="bottom" style='width:18.58%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-numeric ideograph-other'>comprehensive income</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="18%" valign="bottom" style='width:18.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 441,943 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 26,940 </p> </td> </tr> <tr style='height:13.5pt'> <td width="18%" style='width:18.58%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance - December 31, 2014</p> </td> <td width="2%" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="18%" valign="bottom" style='width:18.2%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; (45,310,699)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="19%" valign="bottom" style='width:19.08%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; (65,540,985)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="19%" valign="bottom" style='width:19.34%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,929,851 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="16%" valign="bottom" style='width:16.08%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; (31,370)</p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The following tables summarize Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a nonrecurring basis by their classification in the condensed consolidated balance sheet at December 31, 2014.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="38%" valign="bottom" style='width:38.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Quoted Prices</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="38%" valign="bottom" style='width:38.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>in Active</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Significant</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Significant</b></p> </td> </tr> <tr style='height:12.75pt'> <td width="38%" valign="bottom" style='width:38.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Markets for </b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Observable </b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Unobservable</b></p> </td> </tr> <tr style='height:12.75pt'> <td width="38%" valign="bottom" style='width:38.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Identical Assets</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Inputs</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Inputs</b></p> </td> </tr> <tr style='height:12.75pt'> <td width="38%" valign="bottom" style='width:38.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.14%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Total</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>(Level 1)</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>(Level 2)</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>(Level 3)</b></p> </td> </tr> <tr style='height:12.75pt'> <td width="38%" valign="bottom" style='width:38.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Assets accounted for at fair value on a </b></p> </td> <td width="13%" valign="bottom" style='width:13.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="38%" valign="bottom" style='width:38.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-numeric ideograph-other'><b>nonrecurring basis</b></p> </td> <td width="13%" valign="bottom" style='width:13.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="38%" valign="bottom" style='width:38.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage servicing rights</p> </td> <td width="13%" valign="bottom" style='width:13.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 3,741,381 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 3,741,381 </p> </td> </tr> <tr style='height:12.75pt'> <td width="38%" valign="bottom" style='width:38.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Real estate held for investment</p> </td> <td width="13%" valign="bottom" style='width:13.14%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 53,500 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 53,500 </p> </td> </tr> <tr style='height:12.75pt'> <td width="38%" valign="bottom" style='width:38.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Total assets accounted for at fair value on a </b></p> </td> <td width="13%" valign="bottom" style='width:13.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:13.5pt'> <td width="38%" valign="bottom" style='width:38.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>&#160;&#160; nonrecurring basis</b></p> </td> <td width="13%" valign="bottom" style='width:13.14%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 3,794,881 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.04%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.86%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 3,794,881 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>Fair Value of Financial Instruments Carried at Other Than Fair Value</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>ASC 825, Financial Instruments, requires disclosure of fair value information about financial instruments, whether or not recognized in the balance sheet, for which it is practicable to estimate that value.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Management uses its best judgment in estimating the fair value of the Company&#146;s financial instruments; however, there are inherent limitations in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates presented herein are not necessarily indicative of the amounts the Company could have realized in a sales transaction at September 30, 2015 and December 31, 2014. The estimated fair value amounts for September 30, 2015 and December 31, 2014 have been measured as of period-end, and have not been reevaluated or updated for purposes of these Condensed Consolidated Financial Statements subsequent to those dates. As such, the estimated fair values of these financial instruments subsequent to the reporting date may be different than the amounts reported at period-end. </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The carrying values and estimated fair values for such financial instruments, and their corresponding placement in the fair value hierarchy, are summarized as follows as of September 30, 2015:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:25.5pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Carrying Value</b></p> </td> <td width="2%" valign="bottom" style='width:2.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&nbsp;</b></p> </td> <td width="10%" valign="bottom" style='width:10.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Level 1</b></p> </td> <td width="2%" valign="bottom" style='width:2.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&nbsp;</b></p> </td> <td width="10%" valign="bottom" style='width:10.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Level 2</b></p> </td> <td width="2%" valign="bottom" style='width:2.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&nbsp;</b></p> </td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Level 3</b></p> </td> <td width="2%" valign="bottom" style='width:2.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&nbsp;</b></p> </td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Total Estimated Fair Value</b></p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Assets</b></p> </td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans:</p> </td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential</p> </td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 46,506,794 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 49,579,568 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 49,579,568 </p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential construction</p> </td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,762,546 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,762,546 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,762,546 </p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Commercial</p> </td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 36,413,914 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 38,062,674 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 38,062,674 </p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans, net</p> </td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 111,683,254 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 116,404,788 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 116,404,788 </p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policy loans</p> </td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,038,768 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,038,768 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,038,768 </p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other loans</p> </td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,422,787 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,422,787 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,422,787 </p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Short-term investments</p> </td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 19,980,369 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 19,980,369 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 19,980,369 </p> </td> </tr> <tr style='height:.05in'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Liabilities</b></p> </td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Bank and other loans payable</p> </td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; (39,535,964)</p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; (39,535,964)</p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; (39,535,964)</p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The carrying values and estimated fair values for such financial instruments, and their corresponding placement in the fair value hierarchy, are summarized as follows as of December 31, 2014:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:25.5pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="15%" valign="bottom" style='width:15.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Carrying Value</b></p> </td> <td width="2%" valign="bottom" style='width:2.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&nbsp;</b></p> </td> <td width="10%" valign="bottom" style='width:10.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Level 1</b></p> </td> <td width="2%" valign="bottom" style='width:2.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&nbsp;</b></p> </td> <td width="10%" valign="bottom" style='width:10.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Level 2</b></p> </td> <td width="2%" valign="bottom" style='width:2.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&nbsp;</b></p> </td> <td width="15%" valign="bottom" style='width:15.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Level 3</b></p> </td> <td width="2%" valign="bottom" style='width:2.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&nbsp;</b></p> </td> <td width="15%" valign="bottom" style='width:15.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Total Estimated Fair Value</b></p> </td> </tr> <tr style='height:12.75pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Assets</b></p> </td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans:</p> </td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential</p> </td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 51,876,621 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 55,247,638 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 55,247,638 </p> </td> </tr> <tr style='height:12.75pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential construction</p> </td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 32,971,824 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 32,971,824 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 32,971,824 </p> </td> </tr> <tr style='height:12.75pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Commercial</p> </td> <td width="15%" valign="bottom" style='width:15.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 35,201,627 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 36,829,266 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 36,829,266 </p> </td> </tr> <tr style='height:12.75pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans, net</p> </td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 120,050,072 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 125,048,728 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 125,048,728 </p> </td> </tr> <tr style='height:12.75pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policy loans</p> </td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,011,012 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,011,012 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,011,012 </p> </td> </tr> <tr style='height:12.75pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other loans</p> </td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,114,416 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,114,416 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,114,416 </p> </td> </tr> <tr style='height:12.75pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Short-term investments</p> </td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,059,495 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,059,495 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,059,495 </p> </td> </tr> <tr style='height:3.0pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:12.75pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Liabilities</b></p> </td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Bank and other loans payable</p> </td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; (28,989,008)</p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; (28,989,008)</p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; (28,989,008)</p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The methods, assumptions and significant valuation techniques and inputs used to estimate the fair value of financial instruments are summarized as follows:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:120%'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i><u><font style='letter-spacing:-.1pt'>Mortgage Loans on Real Estate</font></u></i><i><font style='letter-spacing:-.1pt'>: </font></i><font style='letter-spacing:-.1pt'>The estimated fair value of the Company&#146;s mortgage loans is determined using various methods. The Company&#146;s mortgage loans are grouped into three categories: Residential, Residential Construction and Commercial. When estimating the expected future cash flows, it is assumed that all loans will be held to maturity, and any loans that are non-performing are evaluated individually for impairment.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify'><font style='letter-spacing:-.1pt'>Residential &#150; The estimated fair value of mortgage loans originated prior to 2013 is determined by estimating expected future cash flows of interest payments and discounting them using current interest rates from single family mortgages. The estimated fair value of mortgage loans originated in 2013, 2014 and 2015 is determined from pricing of similar loans that were sold in 2013 and 2014.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify;line-height:120%'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify'><font style='letter-spacing:-.1pt'>Residential Construction &#150; These loans are primarily short in maturity (4-6 months) accordingly, the estimated fair value is determined to be the net book value.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:120%'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify'><font style='letter-spacing:-.1pt'>Commercial &#150; The estimated fair value is determined by estimating expected future cash flows of interest payments and discounting them using current interest rates for commercial mortgages.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:120%'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i><u><font style='letter-spacing:-.1pt'>Policy and Other Loans</font></u></i><font style='letter-spacing:-.1pt'>: The carrying amounts reported in the accompanying condensed consolidated balance sheet for these financial instruments approximate their fair values.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:120%'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i><u><font style='letter-spacing:-.1pt'>Short-Term Investments</font></u></i><font style='letter-spacing:-.1pt'>: The carrying amounts reported in the accompanying condensed consolidated balance sheet for these financial instruments approximate their fair values.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i><u>Bank and Other Loans Payable</u></i>: <font style='letter-spacing:-.1pt'>The carrying amounts reported in the accompanying condensed consolidated balance sheet for these financial instruments approximate their fair values.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>8)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Allowance for Doubtful Accounts, Allowance for Loan Losses and Impaired Loans</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company records an allowance and recognizes an expense for potential losses from mortgage loans, other loans and receivables in accordance with generally accepted accounting principles. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Receivables are the result of cemetery and mortuary operations, mortgage loan operations and life insurance operations. The allowance is based upon the Company&#146;s historical experience for collectively evaluated impairment. Other allowances are based upon receivables individually evaluated for impairment. Collectability of the cemetery and mortuary receivables is significantly influenced by current economic conditions. The critical issues that impact recovery of mortgage loan operations are interest rate risk, loan underwriting, new regulations and the overall economy.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company provides allowances for losses on its mortgage loans held for investment through an allowance for loan losses. <font style='letter-spacing:-.1pt'>The allowance is comprised of two components. The first component is an allowance for collectively evaluated impairment that is based upon the Company&#146;s historical experience in collecting similar receivables. The second component is based upon individual evaluation of loans that are determined to be impaired. Upon determining impairment the Company establishes an individual impairment allowance based upon an assessment of the fair value of the underlying collateral. See the schedules in Note 3 for additional information. </font>In addition, when a mortgage loan is past due more than 90 days, the Company does not accrue any interest income. When a loan becomes delinquent, the Company proceeds to foreclose on the real estate and all expenses for foreclosure are expensed as incurred. Once foreclosed, an adjustment for the lower of cost or fair value is made, if necessary, and the amount is classified as other real estate owned held for investment or sale. The Company will rent the properties until it is deemed desirable to sell them.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The allowance for losses on mortgage loans held for investment could change based on changes in the value of the underlying collateral, the performance status of the loans, or the Company&#146;s actual collection experience. The actual losses could change, in the near term, from the established allowance, based upon the occurrence or non-occurrence of these events. </p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'><font style='letter-spacing:-.1pt'>9)&#160;&#160;&#160;&#160;&#160; <u>Derivative Commitments</u></font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company is exposed to price risk due to the potential impact of changes in interest rates on the values of mortgage loan commitments from the time a derivative loan commitment is made to an applicant to the time the loan that would result from the exercise of that loan commitment is funded. Managing price risk is complicated by the fact that the ultimate percentage of derivative loan commitments that will be exercised (i.e., the number of loan commitments that will be funded) fluctuates. The probability that a loan will not be funded within the terms of the commitment is driven by a number of factors, particularly the change, if any, in mortgage rates following the inception of the interest rate lock. However, many borrowers continue to exercise derivative loan commitments even when interest rates have fallen.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>In general, the probability of funding increases if mortgage rates rise and decreases if mortgage rates fall. This is due primarily to the relative attractiveness of current mortgage rates compared to the applicant&#146;s committed rate. The probability that a loan will not be funded within the terms of the mortgage loan commitment also is influenced by the source of the applications (retail, broker or correspondent channels), proximity to rate lock expiration, purpose for the loan (purchase or refinance) product type and the application approval status. The Company has developed fallout estimates using historical data that take into account all of the variables, as well as renegotiations of rate and point commitments that tend to occur when mortgage rates fall. These fallout estimates are used to estimate the number of loans that the Company expects to be funded within the terms of the mortgage loan commitments and are updated periodically to reflect the most current data. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none'>The Company estimates the fair value of a mortgage loan commitment based on the change in estimated fair value of the underlying mortgage loan and the probability that the mortgage loan will fund within the terms of the commitment. The change in fair value of the underlying mortgage loan is measured from the date the mortgage loan commitment is issued. Therefore, at the time of issuance, the estimated fair value is zero. Following issuance, the value of a mortgage loan commitment can be either positive or negative depending upon the change in value of the underlying mortgage loans. Fallout rates derived from the Company&#146;s recent historical empirical data are used to estimate the quantity of mortgage loans that will fund within the terms of the commitments.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none'>The Company utilizes forward loan sales commitments to economically hedge the price risk associated with its outstanding mortgage loan commitments. A forward loan sales commitment protects the Company from losses on sales of the loans arising from exercise of the loan commitments by securing the ultimate sales price and delivery date of the loans. Management expects these derivatives will experience changes in fair value opposite to changes in fair value of the derivative loan commitments, thereby reducing earnings volatility related to the recognition in earnings of changes in the values of the commitments.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company has adopted a strategy of selling &#147;out of the money&#148; call options on its available for sale equity securities as a source of revenue.&#160; The options give the purchaser the right to buy from the Company specified equity securities at a set price up to a pre-determined date in the future.&#160; The Company has adopted the selling of put options as a means of generating cash or purchasing equity securities at lower than current market prices.&#160; The Company receives an immediate payment of cash for the value of the option and establishes a liability for the fair value of the option. The liability for call and put options is adjusted to fair value at each reporting date. The fair value of outstanding call and put options as of September 30, 2015 and December 31, 2014 was $110,399 and $127,903, respectively.&#160; In the event an option is exercised, the Company recognizes a gain on the sale of the equity security and a gain from the sale of the option. If the option expires unexercised, the Company recognizes a gain from the sale of the option.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The following table shows the fair value of derivatives as of September 30, 2015 and December 31, 2014.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.0pt'> <td width="13%" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="86%" colspan="15" valign="bottom" style='width:86.38%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Fair Value of Derivative Instruments</b></p> </td> </tr> <tr style='height:12.0pt'> <td width="13%" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="43%" colspan="7" valign="bottom" style='width:43.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Asset Derivatives</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="40%" colspan="7" valign="bottom" style='width:40.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Liability Derivatives</p> </td> </tr> <tr style='height:12.0pt'> <td width="13%" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="20%" colspan="3" valign="bottom" style='width:20.76%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>September 30, 2015</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="20%" colspan="3" valign="bottom" style='width:20.7%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31, 2014</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="19%" colspan="3" valign="bottom" style='width:19.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>September 30, 2015</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="19%" colspan="3" valign="bottom" style='width:19.42%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31, 2014</p> </td> </tr> <tr style='height:32.25pt'> <td width="13%" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="9%" valign="bottom" style='width:9.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Balance Sheet Location</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="9%" valign="bottom" style='width:9.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Fair Value</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="9%" valign="bottom" style='width:9.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Balance Sheet Location</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="9%" valign="bottom" style='width:9.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Fair Value</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="9%" valign="bottom" style='width:9.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Balance Sheet Location</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="7%" valign="bottom" style='width:7.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Fair Value</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="9%" valign="bottom" style='width:9.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Balance Sheet Location</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="7%" valign="bottom" style='width:7.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Fair Value</b></p> </td> </tr> <tr style='height:33.75pt'> <td width="13%" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Derivatives designated as hedging instruments:</p> </td> <td width="9%" valign="bottom" style='width:9.42%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="7%" valign="bottom" style='width:7.52%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="7%" valign="bottom" style='width:7.92%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> </tr> <tr style='height:33.75pt'> <td width="13%" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>Interest rate lock and forward sales commitments</p> </td> <td width="9%" valign="bottom" style='width:9.42%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>other assets</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $4,756,170 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>other assets</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $2,111,529 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="7%" valign="bottom" style='width:7.52%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160; 518,227 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="7%" valign="bottom" style='width:7.92%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $181,678 </p> </td> </tr> <tr style='height:22.5pt'> <td width="13%" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Call options</p> </td> <td width="9%" valign="bottom" style='width:9.42%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>--</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>--</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>--</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>--</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="7%" valign="bottom" style='width:7.52%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,715 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="7%" valign="bottom" style='width:7.92%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 116,036 </p> </td> </tr> <tr style='height:22.5pt'> <td width="13%" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Put options</p> </td> <td width="9%" valign="bottom" style='width:9.42%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>--</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>--</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>--</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>--</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="7%" valign="bottom" style='width:7.52%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 103,684 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="7%" valign="bottom" style='width:7.92%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 11,867 </p> </td> </tr> <tr style='height:22.5pt'> <td width="13%" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Interest rate swaps</p> </td> <td width="9%" valign="bottom" style='width:9.42%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>--</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;-- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>--</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>--</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Bank loans payable</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="7%" valign="bottom" style='width:7.52%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Bank loans payable</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="7%" valign="bottom" style='width:7.92%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 31,370 </p> </td> </tr> <tr style='height:12.75pt'> <td width="13%" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="9%" valign="bottom" style='width:9.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $4,756,170 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.2%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $2,111,529 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="7%" valign="bottom" style='width:7.52%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160; 628,626 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="7%" valign="bottom" style='width:7.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $340,951 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The following table shows the gain (loss) on derivatives for the periods presented. There were no gains or losses reclassified from accumulated other comprehensive income (OCI) into income or gains or losses recognized in income on derivatives ineffective portion or any amounts excluded from effective testing.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:26.25pt'> <td width="23%" valign="bottom" style='width:23.84%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="36%" colspan="3" valign="bottom" style='width:36.4%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Net Amount Gain (Loss) Recognized in OCI</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="35%" colspan="3" valign="bottom" style='width:35.4%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Net Amount Gain (Loss) Recognized in OCI</b></p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="36%" colspan="3" valign="bottom" style='width:36.4%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Three Months Ended September 30</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="35%" colspan="3" valign="bottom" style='width:35.4%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Nine Months Ended September 30</p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>Derivative - Cash Flow Hedging Relationships:</u></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.58%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.54%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-numeric ideograph-other'>Interest Rate Lock Commitments</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; (1,431,809)</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.58%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (713,276)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,308,092 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 525,136 </p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-numeric ideograph-other'>Interest Rate Swaps</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 22,659 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.58%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,655 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 31,370 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.54%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 21,955 </p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-numeric ideograph-other'>Sub Total</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,409,150)</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.58%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (703,621)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,339,462 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 547,091 </p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-numeric ideograph-other'>Tax Effect</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (549,569)</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.58%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (274,412)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 912,390 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 213,366 </p> </td> </tr> <tr style='height:13.5pt'> <td width="23%" valign="bottom" style='width:23.84%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="16%" valign="bottom" style='width:16.52%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (859,581)</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="17%" valign="bottom" style='width:17.58%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (429,209)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="16%" valign="bottom" style='width:16.52%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,427,072 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="16%" valign="bottom" style='width:16.54%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 333,725 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><font style='letter-spacing:-.1pt'>10)&#160;&#160;&#160;&#160;&#160;&#160; <u>Reinsurance, Commitments and Contingencies</u></font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b>Reinsurance</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>Reinsurance Agreement with North America Life Insurance Company</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font lang="EN-CA">On May 8, 2015, the Company, through its wholly owned subsidiary, Security National Life, signed a paid-up business offer under the coinsurance agreement effective December 1, 2010 to reinsure certain life insurance policies from North America Life Insurance Company (&#147;North America Life&#148;). Pursuant to the paid-up business offer, North America Life ceded and transferred to Security National Life all contractual obligations and risks under the coinsured policies. Security National Life paid a ceding commission to North America Life in the amount of $281,908. As a result of the ceding commission, North America Life transferred $8,900,282 of cash and $9,182,190 in statutory reserves, or liabilities, to Security National Life.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>Reinsurance Agreement with American Republic Insurance Company</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font lang="EN-CA">On February 11, 2015, the Company, through its wholly owned subsidiary, Security National Life, signed a coinsurance agreement to reinsure certain life insurance policies from American Republic Insurance Company (&#147;American Republic&#148;).&#160; The policies were previously reinsured by North America Life under a coinsurance agreement between World Insurance Company (&#147;World Insurance&#148;) and North America Life entered into on July 22, 2009 which was commuted.&nbsp; World Insurance was subsequently purchased by and merged into American Republic.&nbsp; The current coinsurance agreement is between Security National Life and American Republic and became effective on January 1, 2015.&nbsp; As part of the coinsurance agreement, American Republic transferred all contractual obligations and risks to Security National Life and Security National Life took control of $15,004,771 of assets in a trust account held by Texas Capital Bank as the trustee.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b>Mortgage Loan Loss Settlements</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-right:-.7pt;text-align:justify'><font style='letter-spacing:-.1pt'>The mortgage industry has seen potential loan losses increase. Future loan losses are extremely difficult to estimate, especially in the current market.&#160; However, management believes that the Company&#146;s reserve methodology and its current practice of property preservation allow it to estimate its losses on loans sold. The amounts accrued for loan losses for the three months ended September 30, 2015 and 2014 were </font><font style='letter-spacing:-.1pt'>$1,755,000</font><font style='letter-spacing:-.1pt'> and </font><font style='letter-spacing:-.1pt'>$1,063,000</font><font style='letter-spacing:-.1pt'>, respectively, and for the nine months ended September 30, 2015 and 2014 were </font><font style='letter-spacing:-.1pt'>$4,674,000</font><font style='letter-spacing:-.1pt'> and </font><font style='letter-spacing:-.1pt'>$2,007,000</font><font style='letter-spacing:-.1pt'>, respectively. The estimated liability for indemnification losses is included in other liabilities and accrued expenses and, as of September 30, 2015 and December 31, 2014, the balances were </font><font style='letter-spacing:-.1pt'>$5,751,000</font><font style='letter-spacing:-.1pt'> and </font><font style='letter-spacing:-.1pt'>$1,718,000</font><font style='letter-spacing:-.1pt'>, respectively. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:8.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:12.0pt'><b>Mortgage Loan Loss Demands</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>Third Party Investors</font></u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>There have been assertions in third party investor correspondence that SecurityNational Mortgage sold mortgage loans that allegedly contained borrower misrepresentations or experienced early payment defaults, or that were otherwise allegedly defective or not in compliance with agreements between SecurityNational Mortgage and the third party investors consisting principally of financial institutions.&#160; As a result of these claims, third party investors have made demands that SecurityNational Mortgage repurchase certain alleged defective mortgage loans that were sold to such investors or indemnify them against any losses related to such loans.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The total amount of potential claims by third party investors is difficult to determine.&#160; The Company has reserved and accrued $5,751,000 as of September 30, 2015 to settle all such investor related claims.&#160; The Company believes that the reserve for mortgage loan loss, which includes provisions for probable losses and indemnification on mortgage loans sold to investors, is reasonable based on available information.&#160; Moreover, the Company has successfully negotiated acceptable settlement terms with other third party investors that asserted claims for mortgage loan losses against SecurityNational Mortgage.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>SecurityNational Mortgage disagrees with the repurchase demands and notices of potential claims from third party investors. Furthermore, SecurityNational Mortgage believes there is potential to resolve the alleged claims by the third party investors on acceptable terms. If SecurityNational Mortgage is unable to resolve such claims on acceptable terms, legal action may ensue. In the event of legal action by any third party investor, SecurityNational Mortgage believes it has significant defenses to any such action and intends to vigorously defend itself against such action.<font style='letter-spacing:-.1pt'>&#160; </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>JP Morgan Chase Indemnification Demand</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company and its wholly owned subsidiary, SecurityNational Mortgage, received a notice of claim for indemnification dated December 21, 2011, from JP Morgan Chase &amp; Co. (&#147;JP Morgan Chase&#148;) on behalf of EMC Mortgage, LLC (&#147;EMC Mortgage&#148;), relating to 21 mortgage loans that EMC Mortgage allegedly purchased as a third party investor from SecurityNational Mortgage.&#160; The notice also referenced a guaranty agreement, dated February 23, 2006, by the Company for the benefit of EMC Mortgage.&#160; The indemnification notice additionally stated that EMC Mortgage had been named in a lawsuit by the Bear Stearns Mortgage Funding Trust 2007-AR2 (the &#147;Trust&#148;), which was filed on September 13, 2011 in the Delaware Court of Chancery.&#160; </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The lawsuit the Trust brought against EMC Mortgage contends that more than 800 residential mortgage loans that EMC Mortgage sold to the Trust (including the 21 loans allegedly originated by SecurityNational Mortgage) contained breaches of representations and warranties with respect to the mortgage loans, as well as defaults and foreclosures in many of such loans.&#160; As a result of the alleged breaches of representations and warranties by EMC Mortgage, the complaint requests that EMC Mortgage be ordered to repurchase from the Trust any loans for which it breached its representations and warranties, in the amount of the mortgage loans&#146; outstanding principal balance and all accrued but unpaid interest.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The indemnification notice from JP Morgan Chase further alleged that the Company and SecurityNational Mortgage are required to indemnify EMC Mortgage for any of its losses arising from the lawsuit that the Trust brought against EMC based upon allegedly untrue statements of material fact related to information that was provided by SecurityNational Mortgage. To the extent the claims in the complaint relate to the 21 mortgage loans that SecurityNational Mortgage allegedly sold to EMC Mortgage, the Company believes it has significant defenses to such claims. The Company intends to vigorously defend itself and SecurityNational Mortgage in the event that JP Morgan Chase were to bring any legal action to require the Company or SecurityNational Mortgage to indemnify it for any loss, liability or expense in connection with the lawsuit that the Trust brought against EMC Mortgage.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'><b>Inquiry Regarding FHA Insured Loans</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>SecurityNational Mortgage has been cooperating with the U.S. Department of Justice and the Office of the Inspector General for the Department of Housing and Urban Development (HUD) in a civil investigation regarding compliance with requirements relating to certain loans insured by the Federal Housing Administration (FHA).&nbsp; No demand has been made and SecurityNational Mortgage has not established a liability for this matter absent a specific demand because it is not able to estimate a range of reasonably potential loss due to significant uncertainties regarding:&nbsp; the absence of any specific demand, the potential remedies, including possible defenses, and the lack of information concerning the performance of its FHA insured originations, the majority of which SecurityNational Mortgage does not service. The investigation has focused on loans originated by SecurityNational Mortgage on or after January 1, 2006.&nbsp; The FHA mortgage loans that SecurityNational Mortgage originated between January 1, 2006 and May 21, 2013 total approximately 45,900 loans with an original principal balance of approximately $7.9 billion.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b>Mortgage Loan Loss Litigation</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>For a description of the litigation involving SecurityNational Mortgage and Lehman Brothers and Aurora Loan Services, reference is to Part II, Item 1. Legal Proceedings.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>Other Contingencies and Commitments</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company has entered into commitments to fund new residential construction loans. As of September 30, 2015, the Company&#146;s commitments were </font><font style='letter-spacing:-.1pt'>$48,354,000</font><font style='letter-spacing:-.1pt'> for these loans of which </font><font style='letter-spacing:-.1pt'>$28,863,000</font><font style='letter-spacing:-.1pt'> had been funded. The Company will advance funds once the work has been completed and an independent inspection is made. The maximum loan commitment ranges between 50% and 80% of appraised value. The Company receives fees from the borrowers and the interest rate is generally 2% to 6.75% over the bank prime rate (3.25% as of September 30, 2015). Maturities range between six and twelve months.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company is not a party to any other material legal proceedings outside the ordinary course of business or to any other legal proceedings, which, if adversely determined, would have a material adverse effect on its financial condition or results of operations.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>11)&#160; <u>Mortgage Servicing Rights</u></font></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;line-height:6.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>The following is a summary of the MSR activity for the periods presented.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:45.0pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="21%" valign="bottom" style='width:21.66%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As of September 30 2015</p> </td> <td width="21%" valign="bottom" style='width:21.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As of December 31 2014</p> </td> </tr> <tr style='height:15.0pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Amortized cost:</p> </td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance before valuation allowance at beginning of year</p> </td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,834,747 </p> </td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;4,844,101 </p> </td> </tr> <tr style='height:13.9pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>MSRs proceeds from loan sales</p> </td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,674,218 </p> </td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,741,381 </p> </td> </tr> <tr style='height:15.0pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Amortization</p> </td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (934,626)</p> </td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (750,735)</p> </td> </tr> <tr style='height:22.5pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Application of valuation allowance to write down MSRs with other than temporary impairment</p> </td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance before valuation allowance at year end</p> </td> <td width="21%" valign="bottom" style='width:21.66%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 11,574,339 </p> </td> <td width="21%" valign="bottom" style='width:21.24%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,834,747 </p> </td> </tr> <tr style='height:7.15pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> </tr> <tr style='height:15.0pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Valuation allowance for impairment of MSRs:</p> </td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance at beginning of year</p> </td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;- </p> </td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Additions</p> </td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:26.6pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:26.6pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Application of valuation allowance to write down MSRs &#160;&#160; with other than temporary impairment</p> </td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:26.6pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:26.6pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance at end of period</p> </td> <td width="21%" valign="bottom" style='width:21.66%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="21%" valign="bottom" style='width:21.24%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage servicing rights, net</p> </td> <td width="21%" valign="bottom" style='width:21.66%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 11,574,339 </p> </td> <td width="21%" valign="bottom" style='width:21.24%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,834,747 </p> </td> </tr> <tr style='height:15.75pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:15.75pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Estimated fair value of MSRs at end of period</p> </td> <td width="21%" valign="bottom" style='width:21.66%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 12,093,178 </p> </td> <td width="21%" valign="bottom" style='width:21.24%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,485,570 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;line-height:6.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company reports these MSRs pursuant to the accounting policy discussed in Note 7. </p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>12)&#160;&#160;&#160; <u>Acquisitions</u></font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'><u>Acquisition of American Funeral Financial</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>On June 4, 2014, the Company, through its wholly owned subsidiary, SNFC Subsidiary, LLC (&#147;SNFC Subsidiary&#148;), completed a purchase transaction with American Funeral Financial, LLC, a South Carolina limited liability company (&#147;American Funeral Financial&#148;) and Hypershop, LLC, a North Carolina&nbsp;&nbsp;limited liability&nbsp;&nbsp;company (&#147;Hypershop&#148;), the sole owner of all the limited liability company interests of American Funeral Financial, to purchase all of the outstanding limited liability company interests, or membership units, of American Funeral Financial.&nbsp;&nbsp;American Funeral Financial is engaged in the operation of a factoring business with the principal purpose of providing funding for funeral homes and mortuaries.&nbsp;&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The following unaudited pro forma information has been prepared to present the results of operations of the Company assuming the acquisition of American Funeral Financial had occurred at the beginning of the nine month periods ended September 30, 2015 and 2014. This pro forma information is supplemental and does not necessarily present the operations of the Company that would have occurred had the acquisition occurred on those dates and may not reflect the operations that will occur in the future:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:39.0pt'> <td width="39%" valign="bottom" style='width:39.62%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="27%" colspan="3" valign="bottom" style='width:27.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>For the Three Months Ended September 30 (unaudited)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="28%" colspan="3" valign="bottom" style='width:28.28%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>For the Nine Months Ended September 30 (unaudited)</p> </td> </tr> <tr style='height:15.0pt'> <td width="39%" valign="bottom" style='width:39.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> </td> </tr> <tr style='height:15.0pt'> <td width="39%" valign="bottom" style='width:39.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total revenues</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 75,494,686 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 61,725,792 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 215,584,933 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 168,522,777 </p> </td> </tr> <tr style='height:15.0pt'> <td width="39%" valign="bottom" style='width:39.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 4,889,785 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 2,137,822 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 10,605,767 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 5,142,490 </p> </td> </tr> <tr style='height:15.0pt'> <td width="39%" valign="bottom" style='width:39.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per Class A equivalent common share</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.37 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.17 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.81 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.41 </p> </td> </tr> <tr style='height:15.0pt'> <td width="39%" valign="bottom" style='width:39.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per Class A equivalent common share</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="39%" valign="bottom" style='width:39.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-numeric ideograph-other'>assuming dilution</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.35 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.17 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.78 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.40 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The accompanying unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and with the instructions to Form 10 Q and Articles 8 and 10 of Regulation S X. Accordingly, they do not include all of the information and disclosures required by accounting principles generally accepted in the United States of America for complete financial statements. These financial statements should be read in conjunction with the consolidated financial statements of the Company and notes thereto for the year ended December 31, 2014, included in the Company&#146;s Annual Report on Form 10-K (file number 000-09341). In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Operating results for the nine months ended September 30, 2015 are not necessarily indicative of the results that may be expected for the year ending December 31, 2015.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>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 amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:5.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The estimates susceptible to significant change are those used in determining the liability for future policy benefits and claims, those used in determining valuation allowances for mortgage loans on real estate and construction loans held for investment, those used in determining loan loss reserve, and those used in determining the estimated future costs for pre-need sales. Although some variability is inherent in these estimates, management believes the amounts provided are fairly stated in all material respects. </font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>Accounting Standards Update (&#147;ASU&#148;) No. 2014-11: &quot;Transfers and Servicing - Repurchase to Maturity Transactions, Repurchase Financings, and Disclosures (Topic 860)&quot;</font></u><font style='letter-spacing:-.1pt'> &#150; Issued in June 2014, ASU 2014-11 aligns the accounting for repurchase to maturity transactions and repurchase agreements executed as a repurchase financing with the accounting for other typical repurchase agreements. Going forward, these transactions would all be accounted for as secured borrowings. The new authoritative guidance is effective for the first interim or annual period beginning after December 15, 2014. In addition the disclosure of certain transactions accounted for as a sale is effective for the first interim or annual period beginning on or after December 15, 2014, and the disclosure for transactions accounted for as secured borrowings is required for annual periods beginning after December 15, 2014, and interim periods beginning after March 15, 2015. This new guidance has not and will not have a significant impact on the Company&#146;s results of operations or financial position.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:5.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>ASU No. 2014-09: &#147;Revenue from Contracts with Customers (Topic 606)&#148;</font></u><font style='letter-spacing:-.1pt'> - Issued in May 2014, ASU 2014-09 supersedes the revenue recognition requirements in ASC Topic 605, &#147;Revenue Recognition&#148;, and requires entities to recognize revenue in a way that depicts 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. Insurance contracts are excluded from the scope of this new guidance. The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2017. The Company is in the process of evaluating the potential impact of this standard, which is not expected to be material to the Company&#146;s results of operations or financial position.</font></p> <p align="left" style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;text-align:left'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company has reviewed other recent accounting pronouncements and has determined that they will not significantly impact the Company&#146;s results of operations or financial position.</font></p> <font style='letter-spacing:-.1pt'> </font> <!--egx--><table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:39.0pt'> <td width="27%" valign="bottom" style='width:27.42%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Amortized Cost</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="14%" valign="bottom" style='width:14.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Gross Unrealized Gains</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="17%" valign="bottom" style='width:17.26%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;Gross Unrealized Losses</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;Estimated Fair Value</p> </td> </tr> <tr style='height:15.0pt'> <td width="27%" valign="top" style='width:27.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'><u>September 30, 2015</u></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="top" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="top" style='width:17.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="top" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:31.5pt'> <td width="27%" valign="top" style='width:27.42%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fixed maturity securities held to maturity carried at amortized cost:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="15%" valign="top" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="14%" valign="top" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="17%" valign="top" style='width:17.26%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="15%" valign="top" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> </tr> <tr style='height:15.0pt'> <td width="27%" valign="bottom" style='width:27.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Bonds:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:25.5pt'> <td width="27%" valign="bottom" style='width:27.42%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>U.S. Treasury securities and obligations of U.S. Government agencies</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,860,138 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 340,699 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="17%" valign="bottom" style='width:17.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,200,837 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Obligations of states and political subdivisions</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,808,183 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 220,697 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,624)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,026,256 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Corporate securities including public utilities</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 126,024,969 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 11,952,326 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; (3,505,213)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 134,472,082 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Mortgage-backed securities</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,052,011 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 241,761 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (6,855)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;3,286,917 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Redeemable preferred stock</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 612,023 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,529 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.26%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; -&#160; &#160;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 639,552 </p> </td> </tr> <tr style='height:13.5pt'> <td width="27%" valign="top" style='width:27.42%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:10.0pt;text-autospace:ideograph-numeric ideograph-other'>Total fixed maturity securities held to maturity</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 133,357,324 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 12,783,012 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="17%" valign="bottom" style='width:17.26%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; (3,514,692)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 142,625,644 </p> </td> </tr> </table> <!--egx--><table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:39.0pt'> <td width="41%" valign="bottom" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Cost</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="10%" valign="bottom" style='width:10.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Gross Unrealized Gains</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="13%" valign="bottom" style='width:13.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Gross Unrealized Losses</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="11%" valign="bottom" style='width:11.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Estimated Fair Value</p> </td> </tr> <tr style='height:15.0pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'><u>September 30, 2015</u></p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="top" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="top" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="top" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="top" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="top" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="top" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="41%" valign="bottom" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Equity securities available for sale at estimated fair value:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="top" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="top" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="top" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="top" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="top" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="top" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Common stock:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="top" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="top" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="top" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="top" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="bottom" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="top" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="top" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="top" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="top" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="41%" valign="bottom" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Industrial, miscellaneous and all other</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,012,605 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 88,504 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; (1,892,383)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 7,208,726 </p> </td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="bottom" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:15.6pt'> <td width="41%" valign="bottom" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:15.6pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Total equity securities available for sale at estimated fair value</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.6pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.6pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,012,605 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.6pt'></td> <td width="10%" valign="bottom" style='width:10.62%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.6pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 88,504 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.6pt'></td> <td width="13%" valign="bottom" style='width:13.04%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.6pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; (1,892,383)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.6pt'></td> <td width="11%" valign="bottom" style='width:11.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.6pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 7,208,726 </p> </td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:25.5pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans on real estate and construction loans held for investment at amortized cost:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Residential</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; &#160;&#160;&#160;48,076,245 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Residential construction</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,862,660 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Commercial</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 36,601,043 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>Less: Allowance for loan losses</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,856,694)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:26.25pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total mortgage loans on real estate and construction loans held for investment</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 111,683,254 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Real estate held for investment - net of depreciation</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 112,661,696 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policy and other loans at amortized cost:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>Policy loans</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,038,768 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>Other loans</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,311,594 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>Less: Allowance for doubtful accounts</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (888,807)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:.05in'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total policy and other loans at amortized cost</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; 34,461,555 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="top" style='width:41.56%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Short-term investments at amortized cost</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; 19,980,369 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.62%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:12.0pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:39.0pt'> <td width="27%" valign="bottom" style='width:27.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Amortized Cost&#160; </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="14%" valign="bottom" style='width:14.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Gross Unrealized Gains</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="17%" valign="bottom" style='width:17.54%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;Gross Unrealized Losses&nbsp;&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;Estimated Fair Value&nbsp;&nbsp;</p> </td> </tr> <tr style='height:15.0pt'> <td width="27%" valign="top" style='width:27.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-other'><u>December 31, 2014</u>:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="top" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="top" style='width:17.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="top" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:25.5pt'> <td width="27%" valign="top" style='width:27.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fixed maturity securities held to maturity carried at amortized cost:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="top" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="top" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="17%" valign="top" style='width:17.54%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="top" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:15.0pt'> <td width="27%" valign="bottom" style='width:27.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Bonds:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="top" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="top" style='width:17.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="top" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:25.5pt'> <td width="27%" valign="bottom" style='width:27.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>U.S. Treasury securities and obligations of U.S. Government agencies</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,873,146 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 345,715 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="17%" valign="bottom" style='width:17.54%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,218,861 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Obligations of states and political subdivisions</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,736,489 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 221,893 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (5,278)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,953,104 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Corporate securities including public utilities</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 126,533,483 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 15,841,536 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (980,357)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 141,394,662 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Mortgage-backed securities</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,263,206 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 305,381 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (11,894)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,556,693 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Redeemable preferred stock</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 612,023 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 22,032 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.54%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 634,055 </p> </td> </tr> <tr style='height:13.5pt'> <td width="27%" valign="top" style='width:27.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:10.0pt;text-autospace:ideograph-numeric ideograph-other'>Total fixed maturity securities held to maturity</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 135,018,347 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 16,736,557 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="17%" valign="bottom" style='width:17.54%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; (997,529)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.86%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 150,757,375 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:12.0pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:39.0pt'> <td width="41%" valign="top" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="14%" valign="bottom" style='width:14.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Cost</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="11%" valign="bottom" style='width:11.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Gross Unrealized Gains</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="12%" valign="bottom" style='width:12.54%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Gross Unrealized Losses</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="11%" valign="bottom" style='width:11.84%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Estimated Fair Value</p> </td> </tr> <tr style='height:15.0pt'> <td width="41%" valign="top" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-other'><u>December 31, 2014</u>:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="top" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'> </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="top" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="top" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="top" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="top" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="top" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Equity securities available for sale at estimated fair value:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="top" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="top" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="top" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="top" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Common stock:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="top" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="top" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="top" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="top" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="top" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="top" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Industrial, miscellaneous and all other</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 7,179,010 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$ &#160;&#160;&#160;393,873 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160; (820,133)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.84%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160; 6,752,750 </p> </td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:19.9pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:19.9pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Total securities available for sale carried at estimated fair value</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:19.9pt'></td> <td width="14%" valign="bottom" style='width:14.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:19.9pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 7,179,010 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:19.9pt'></td> <td width="11%" valign="bottom" style='width:11.42%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:19.9pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160; 393,873 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:19.9pt'></td> <td width="12%" valign="bottom" style='width:12.54%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:19.9pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160; (820,133)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:19.9pt'></td> <td width="11%" valign="bottom" style='width:11.84%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:19.9pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160; 6,752,750 </p> </td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:25.5pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Mortgage loans on real estate and construction loans held for investment at amortized cost:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:15.0pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Residential</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'> $&#160;&#160;&#160; 53,592,433 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Residential construction</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,071,938 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Commercial</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 35,388,756 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:.25in;text-autospace:ideograph-other'>Less: Allowance for loan losses</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,003,055)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:.05in'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> </tr> <tr style='height:26.25pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Total mortgage loans on real estate and construction loans held for investment</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="14%" valign="bottom" style='width:14.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'> $&#160; 120,050,072 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> </tr> <tr style='height:6.6pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:6.6pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.6pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:6.6pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.6pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:6.6pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.6pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:6.6pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.6pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:6.6pt'></td> </tr> <tr style='height:15.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Real estate held for investment - net of depreciation</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'> $&#160; 111,411,351 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:9.0pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:9.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.0pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:9.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.0pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:9.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.0pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:9.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.0pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:9.0pt'></td> </tr> <tr style='height:17.25pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:17.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Policy and other loans at amortized cost:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:17.25pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:17.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:17.25pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:17.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:17.25pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:17.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:17.25pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:17.25pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:.25in;text-autospace:ideograph-other'>Policy loans</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 7,011,012 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:.25in;text-autospace:ideograph-other'>Other loans</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,807,829 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:.25in;text-autospace:ideograph-other'>Less: Allowance for doubtful accounts</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (693,413)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:4.15pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> </tr> <tr style='height:15.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Total policy and other loans at amortized cost</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>$&#160;&#160;&#160; 34,125,428 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:6.0pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="14%" valign="bottom" style='width:14.24%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="41%" valign="bottom" style='width:41.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Short-term investments at amortized cost</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'> $&#160;&#160;&#160; 27,059,495 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.42%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:63.75pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="13%" valign="bottom" style='width:13.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Unrealized Losses for Less than Twelve Months</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="12%" valign="bottom" style='width:12.16%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>No. of Investment Positions</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="13%" valign="bottom" style='width:13.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Unrealized Losses for More than Twelve Months</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="12%" valign="bottom" style='width:12.16%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>No. of Investment Positions</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="11%" valign="bottom" style='width:11.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total Unrealized Loss</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'><u>At June 30, 2015</u></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:25.5pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Obligations of states and political subdivisions</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>0</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.74%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,624 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>1</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" valign="bottom" style='width:11.82%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,624 </p> </td> </tr> <tr style='height:25.5pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Corporate securities including public utilities</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,798,201 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>74</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.74%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 707,012 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>12</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" valign="bottom" style='width:11.82%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,505,213 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Mortgage-backed securities</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,855 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>2</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>0</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,855 </p> </td> </tr> <tr style='height:13.5pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Total unrealized losses</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.86%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,805,056 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>76</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.74%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 709,636 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>13</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.82%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 3,514,692 </p> </td> </tr> <tr style='height:14.25pt'> <td width="25%" valign="top" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="13%" valign="bottom" style='width:13.86%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160; 23,917,114 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="13%" valign="bottom" style='width:13.74%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160; 2,327,984 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160; 26,245,098 </p> </td> </tr> <tr style='height:6.75pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="bottom" style='width:13.74%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.82%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>At December 31, 2014</u></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:25.5pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Obligations of states and political subdivisions</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>0</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.74%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 5,278 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>1</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" valign="bottom" style='width:11.82%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,278 </p> </td> </tr> <tr style='height:25.5pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Corporate securities including public utilities</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 548,310 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>21</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.74%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 432,047 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>11</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" valign="bottom" style='width:11.82%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 980,357 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Mortgage-backed securities</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,966 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>1</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,928 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>1</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 11,894 </p> </td> </tr> <tr style='height:13.5pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Total unrealized losses</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.86%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 552,276 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>22</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.74%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160; 445,253 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>13</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.82%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 997,529 </p> </td> </tr> <tr style='height:14.25pt'> <td width="25%" valign="bottom" style='width:25.36%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="13%" valign="bottom" style='width:13.86%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'> $&#160; 7,081,352 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="13%" valign="bottom" style='width:13.74%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'> $ 2,777,587 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="12%" valign="bottom" style='width:12.16%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'> $&#160; 9,858,939 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:63.75pt'> <td width="32%" valign="bottom" style='width:32.1%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="11%" valign="bottom" style='width:11.7%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Unrealized Losses for Less than Twelve Months</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="11%" valign="bottom" style='width:11.28%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>No. of Investment Positions</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="11%" valign="bottom" style='width:11.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Unrealized Losses for More than Twelve Months</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="11%" valign="bottom" style='width:11.28%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>No. of Investment Positions</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="11%" valign="bottom" style='width:11.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total Unrealized Losses</p> </td> </tr> <tr style='height:12.75pt'> <td width="32%" valign="bottom" style='width:32.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>At September 30, 2015</u></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:14.35pt;text-autospace:ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:12.75pt'> <td width="32%" valign="bottom" style='width:32.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Industrial, miscellaneous and all other</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 973,583 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>273</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 918,800 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>66</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 1,892,383 </p> </td> </tr> <tr style='height:13.5pt'> <td width="32%" valign="bottom" style='width:32.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Total unrealized losses</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.7%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 973,583 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.28%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>273</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.72%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 918,800 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.28%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>66</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.02%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 1,892,383 </p> </td> </tr> <tr style='height:14.25pt'> <td width="32%" valign="bottom" style='width:32.1%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.7%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160; 4,723,167 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.72%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 802,547 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.02%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160; 5,525,714 </p> </td> </tr> <tr style='height:6.75pt'> <td width="32%" valign="bottom" style='width:32.1%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.7%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.72%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.02%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="32%" valign="bottom" style='width:32.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>At December 31, 2014</u></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="32%" valign="bottom" style='width:32.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Industrial, miscellaneous and all other</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 327,389 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>138</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160; 492,744 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>27</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 820,133 </p> </td> </tr> <tr style='height:13.5pt'> <td width="32%" valign="bottom" style='width:32.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Total unrealized losses</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.7%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 327,389 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.28%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>138</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.72%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160; 492,744 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.28%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:.25in;text-autospace:ideograph-other'>27</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.02%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 820,133 </p> </td> </tr> <tr style='height:14.25pt'> <td width="32%" valign="bottom" style='width:32.1%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.7%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>$&#160;&#160; 2,162,425 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.72%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>$&#160;&#160; 676,706 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.28%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="11%" valign="bottom" style='width:11.02%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>$&#160;&#160; 2,839,131 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:25.5pt'> <td width="40%" valign="top" style='width:40.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="3%" valign="top" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="26%" valign="bottom" style='width:26.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Amortized Cost&nbsp;&nbsp;&nbsp;</p> </td> <td width="3%" valign="top" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="26%" valign="bottom" style='width:26.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Estimated Fair Value&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</p> </td> </tr> <tr style='height:12.75pt'> <td width="40%" valign="top" style='width:40.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Held to Maturity:</p> </td> <td width="3%" valign="top" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="top" style='width:26.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="3%" valign="top" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="top" style='width:26.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:12.75pt'> <td width="40%" valign="bottom" style='width:40.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Due in 2015</p> </td> <td width="3%" valign="top" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 749,780 </p> </td> <td width="3%" valign="bottom" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 753,840 </p> </td> </tr> <tr style='height:12.75pt'> <td width="40%" valign="bottom" style='width:40.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Due in 2016 through 2019</p> </td> <td width="3%" valign="top" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 30,426,998 </p> </td> <td width="3%" valign="bottom" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,178,552 </p> </td> </tr> <tr style='height:12.75pt'> <td width="40%" valign="bottom" style='width:40.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Due in 2020 through 2024</p> </td> <td width="3%" valign="top" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,926,814 </p> </td> <td width="3%" valign="bottom" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 30,445,969 </p> </td> </tr> <tr style='height:12.75pt'> <td width="40%" valign="bottom" style='width:40.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Due after 2024</p> </td> <td width="3%" valign="top" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 69,589,698 </p> </td> <td width="3%" valign="bottom" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 74,320,814 </p> </td> </tr> <tr style='height:12.75pt'> <td width="40%" valign="bottom" style='width:40.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Mortgage-backed securities</p> </td> <td width="3%" valign="top" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;3,052,011 </p> </td> <td width="3%" valign="bottom" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,286,917 </p> </td> </tr> <tr style='height:12.75pt'> <td width="40%" valign="bottom" style='width:40.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Redeemable preferred stock</p> </td> <td width="3%" valign="top" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 612,023 </p> </td> <td width="3%" valign="bottom" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 639,552 </p> </td> </tr> <tr style='height:13.5pt'> <td width="40%" valign="bottom" style='width:40.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Total held to maturity</p> </td> <td width="3%" valign="top" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="26%" valign="bottom" style='width:26.34%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 133,357,324 </p> </td> <td width="3%" valign="bottom" style='width:3.62%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="26%" valign="bottom" style='width:26.32%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 142,625,644 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:25.5pt'> <td width="35%" valign="top" style='width:35.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="4%" valign="top" style='width:4.24%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="26%" valign="top" style='width:26.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'>&#160; Cost </p> </td> <td width="4%" valign="top" style='width:4.24%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="29%" valign="top" style='width:29.84%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'> Estimated Fair Value&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p> </td> </tr> <tr style='height:12.75pt'> <td width="35%" valign="top" style='width:35.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Available for Sale:</p> </td> <td width="4%" valign="top" style='width:4.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="top" style='width:26.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="4%" valign="top" style='width:4.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="29%" valign="top" style='width:29.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="35%" valign="bottom" style='width:35.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-other'>Common stock</p> </td> <td width="4%" valign="top" style='width:4.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="26%" valign="bottom" style='width:26.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 9,012,605 </p> </td> <td width="4%" valign="bottom" style='width:4.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="29%" valign="bottom" style='width:29.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,208,726 </p> </td> </tr> <tr style='height:13.5pt'> <td width="35%" valign="bottom" style='width:35.66%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Total available for sale</p> </td> <td width="4%" valign="top" style='width:4.24%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="26%" valign="bottom" style='width:26.04%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 9,012,605 </p> </td> <td width="4%" valign="bottom" style='width:4.24%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="29%" valign="bottom" style='width:29.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,208,726 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="31%" valign="bottom" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="31%" colspan="3" valign="bottom" style='width:31.98%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Three Months Ended September 30</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="31%" colspan="3" valign="bottom" style='width:31.9%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Nine Months Ended September 30</p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="top" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'>2014</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'>2014</p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="top" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fixed maturity securities held to maturity:</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="top" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Gross realized gains</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ &#160;&#160;&#160;&#160;&#160;&#160;&#160;15,279 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 211,403 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 374,337 </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 258,951 </p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Gross realized losses</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (22,796)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (66,459)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (82,166)</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (68,742)</p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Other than temporary impairments</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (30,000)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (30,000)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (90,000)</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (90,000)</p> </td> </tr> <tr style='height:8.25pt'> <td width="31%" valign="top" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="top" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Securities available for sale:</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Gross realized gains</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 35,009 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 77,386 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 165,018 </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;214,303 </p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Gross realized losses</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,521)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (27,651)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (3,536)</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (38,918)</p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Other than temporary impairments</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (26,290)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (77,497)</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:6.75pt'> <td width="31%" valign="top" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="top" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Other assets:</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Gross realized gains</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 1,731,939 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 352,151 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,187,271 </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 720,082 </p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Gross realized losses</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (404,132)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (116,920)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (367,306)</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (116,921)</p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-other'>Other than temporary impairments</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (353,776)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (353,776)</p> </td> </tr> <tr style='height:15.75pt'> <td width="31%" valign="top" style='width:31.76%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:33.0pt;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.9%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 1,296,488 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.9%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160; 46,134 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.9%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 2,106,121 </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.82%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 524,979 </p> </td> </tr> </table> <!--egx--><p style='text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:14.25pt'> <td width="31%" valign="bottom" style='width:31.7%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="33%" colspan="3" valign="bottom" style='width:33.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Three Months Ended September 30</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="33%" colspan="3" valign="bottom" style='width:33.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Nine Months Ended September 30</p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="top" style='width:31.7%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'>2014</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'>2014</p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.7%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Fixed maturity securities</p> </td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,014,014 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,036,407 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 6,139,698 </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 6,212,852 </p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.7%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Equity securities</p> </td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 61,238 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 73,110 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 175,954 </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 163,109 </p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.7%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Mortgage loans on real estate</p> </td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,754,852 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,216,711 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,396,016 </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,605,882 </p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.7%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Real estate</p> </td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,320,242 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,125,374 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,674,594 </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,416,939 </p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.7%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Policy loans</p> </td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 219,916 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 195,138 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 597,101 </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 574,393 </p> </td> </tr> <tr style='height:30.0pt'> <td width="31%" valign="bottom" style='width:31.7%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Short-term investments,&#160; principally gains on sale of mortgage loans and other</p> </td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,777,404 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,831,378 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 13,741,796 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,512,479 </p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.7%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Gross investment income</p> </td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 11,147,666 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 10,478,118 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; &#160;&#160;&#160;32,725,159 </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 27,485,654 </p> </td> </tr> <tr style='height:15.0pt'> <td width="31%" valign="bottom" style='width:31.7%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Investment expenses</p> </td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (2,715,252)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (2,286,156)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (7,879,228)</p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (6,943,905)</p> </td> </tr> <tr style='height:15.75pt'> <td width="31%" valign="bottom" style='width:31.7%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Net investment income</p> </td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:double windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 8,432,414 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:double windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 8,191,962 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:double windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 24,845,931 </p> </td> <td width="2%" valign="top" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:double windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 20,541,749 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.12%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="99%" colspan="8" valign="bottom" style='width:99.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Allowance for Credit Losses and Recorded Investment in Mortgage Loans</b></p> </td> <td width="0%" style='border:none;padding:0'><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p></td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:18.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b> Commercial </b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b> Residential </b></p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b> Residential Construction </b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b> Total </b></p> </td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>September 30, 2015</b></p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Allowance for credit losses:</p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Beginning balance - January 1, 2015</p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,715,812 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,003,055 </p> </td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&#160;&#160; Charge-offs</p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&#160;&#160; Provision</p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (146,361)</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (146,361)</p> </td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance -September 30, 2015</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,569,451 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,856,694 </p> </td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance: individually evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 198,818 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 198,818 </p> </td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance: collectively evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,370,634 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,657,877 </p> </td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: loans acquired with deteriorated credit quality</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans:</p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 36,601,043 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 48,076,245 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 28,862,660 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 113,539,948 </p> </td> </tr> <tr style='height:6.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance: individually evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,989,318 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,989,318 </p> </td> </tr> <tr style='height:7.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance: collectively evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 36,601,043 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 45,086,928 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 28,862,660 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 110,550,631 </p> </td> </tr> <tr style='height:8.25pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: loans acquired with deteriorated credit quality</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:7.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>December 31, 2014</b></p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Allowance for credit losses:</p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Beginning balance - January 1, 2014</p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,364,847 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,652,090 </p> </td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&#160;&#160; Charge-offs</p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (38,444)</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (38,444)</p> </td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&#160;&#160; Provision</p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 389,409 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 389,409 </p> </td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance - December 31, 2014</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,715,812 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,003,055 </p> </td> </tr> <tr style='height:7.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance: individually evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 153,446 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 153,446 </p> </td> </tr> <tr style='height:8.25pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance: collectively evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,562,366 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,849,609 </p> </td> </tr> <tr style='height:8.25pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance: loans acquired with deteriorated credit quality</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:7.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.75pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Mortgage loans:</p> </td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 35,388,756 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 53,592,433 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 33,071,938 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 122,053,127 </p> </td> </tr> <tr style='height:7.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance: individually evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,556,182 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 414,499 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,970,681 </p> </td> </tr> <tr style='height:7.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Ending balance: collectively evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 35,388,756 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 52,036,251 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 32,657,439 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 120,082,446 </p> </td> </tr> <tr style='height:7.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.68%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:13.5pt'> <td width="41%" valign="bottom" style='width:41.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: loans acquired with deteriorated credit quality</p> </td> <td width="11%" valign="bottom" style='width:11.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" colspan="2" valign="bottom" style='width:12.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr align="left"> <td width="304" style='border:none'></td> <td width="87" style='border:none'></td> <td width="15" style='border:none'></td> <td width="91" style='border:none'></td> <td width="15" style='border:none'></td> <td width="90" style='border:none'></td> <td width="15" style='border:none'></td> <td width="91" style='border:none'></td> <td width="1" style='border:none'></td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="100%" colspan="10" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Age Analysis of Past Due Mortgage Loans </b></p> </td> </tr> <tr style='height:12.75pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:27.75pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;30-59 Days Past Due </p> </td> <td width="9%" valign="bottom" style='width:9.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;60-89 Days Past Due </p> </td> <td width="9%" valign="bottom" style='width:9.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Greater Than 90 Days (1) </p> </td> <td width="10%" valign="bottom" style='width:10.76%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;In Foreclosure (1) </p> </td> <td width="10%" valign="bottom" style='width:10.48%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Total Past Due </p> </td> <td width="9%" valign="bottom" style='width:9.82%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Current </p> </td> <td width="10%" valign="bottom" style='width:10.12%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Total Mortgage Loans </p> </td> <td width="10%" valign="bottom" style='width:10.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Allowance for Loan Losses </p> </td> <td width="10%" valign="bottom" style='width:10.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Net Mortgage Loans </p> </td> </tr> <tr style='height:12.75pt'> <td width="17%" colspan="2" valign="bottom" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>September 30, 2015</b></p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:12.75pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Commercial</p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 36,601,043 </p> </td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 36,601,043 </p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (187,129)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 36,413,914 </p> </td> </tr> <tr style='height:12.75pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Residential</p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,183,084 </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 960,999 </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,207,683 </p> </td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,989,318 </p> </td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,341,084 </p> </td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 40,735,161 </p> </td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 48,076,245 </p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,569,451)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;46,506,794 </p> </td> </tr> <tr style='height:18.75pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Residential &#160; Construction</p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,797,765 </p> </td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,862,660 </p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (100,114)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,762,546 </p> </td> </tr> <tr style='height:12.75pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:13.5pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Total</p> </td> <td width="9%" valign="bottom" style='width:9.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 1,183,084 </p> </td> <td width="9%" valign="bottom" style='width:9.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 960,999 </p> </td> <td width="9%" valign="bottom" style='width:9.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 2,272,578 </p> </td> <td width="10%" valign="bottom" style='width:10.76%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,989,318 </p> </td> <td width="10%" valign="bottom" style='width:10.48%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,405,979 </p> </td> <td width="9%" valign="bottom" style='width:9.82%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 106,133,969 </p> </td> <td width="10%" valign="bottom" style='width:10.12%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 113,539,948 </p> </td> <td width="10%" valign="bottom" style='width:10.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; (1,856,694)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 111,683,254 </p> </td> </tr> <tr style='height:13.5pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> <tr style='height:12.75pt'> <td width="17%" colspan="2" valign="bottom" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'><b>December 31, 2014</b></p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Commercial</p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 35,388,756 </p> </td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 35,388,756 </p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (187,129)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; &#160;&#160;&#160;&#160;35,201,627 </p> </td> </tr> <tr style='height:12.75pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Residential</p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,631,142 </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,174,516 </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,464,901 </p> </td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,556,182 </p> </td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,826,741 </p> </td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 43,765,692 </p> </td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 53,592,433 </p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,715,812)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 51,876,621 </p> </td> </tr> <tr style='height:18.75pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Residential &#160; Construction</p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 414,499 </p> </td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 479,394 </p> </td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 32,592,544 </p> </td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,071,938 </p> </td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (100,114)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 32,971,824 </p> </td> </tr> <tr style='height:12.75pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:13.5pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Total</p> </td> <td width="9%" valign="bottom" style='width:9.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,631,142 </p> </td> <td width="9%" valign="bottom" style='width:9.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,174,516 </p> </td> <td width="9%" valign="bottom" style='width:9.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 5,529,796 </p> </td> <td width="10%" valign="bottom" style='width:10.76%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,970,681 </p> </td> <td width="10%" valign="bottom" style='width:10.48%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 10,306,135 </p> </td> <td width="9%" valign="bottom" style='width:9.82%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 111,746,992 </p> </td> <td width="10%" valign="bottom" style='width:10.12%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 122,053,127 </p> </td> <td width="10%" valign="bottom" style='width:10.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; (2,003,055)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 120,050,072 </p> </td> </tr> <tr style='height:6.0pt'> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="9%" valign="bottom" style='width:9.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="10%" valign="bottom" style='width:10.76%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="10%" valign="bottom" style='width:10.48%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="9%" valign="bottom" style='width:9.82%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="10%" valign="bottom" style='width:10.12%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="10%" valign="bottom" style='width:10.84%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:12.75pt'> <td width="100%" colspan="10" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>(1)&#160; Interest income is not recognized on loans past due greater than 90 days or in foreclosure.</p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="100%" colspan="10" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Impaired Loans</b></p> </td> </tr> <tr style='height:6.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:32.25pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="12%" valign="bottom" style='width:12.54%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&#160;Recorded Investment </b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="12%" valign="bottom" style='width:12.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&#160;Unpaid Principal Balance </b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="12%" valign="bottom" style='width:12.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&#160;Related Allowance </b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="12%" valign="bottom" style='width:12.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&#160;Average Recorded Investment </b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="12%" valign="bottom" style='width:12.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&#160;Interest Income Recognized </b></p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>September 30, 2015</b></p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>With no related allowance recorded:</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>With an allowance recorded:</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; &#160;&#160;&#160;&#160;&#160;2,989,318 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,989,318 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 198,818 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,989,318 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total:</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,989,318 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,989,318 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 198,818 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,989,318 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>December 31, 2014</b></p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>With no related allowance recorded:</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 414,499 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 414,499 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 414,499 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>With an allowance recorded:</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160; 1,556,182 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160; 1,556,182 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; &#160; 153,446 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160; 1,556,182 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;- </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total:</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160; 1,556,182 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160; 1,556,182 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; &#160; 153,446 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160; 1,556,182 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="12%" valign="bottom" style='width:12.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 414,499 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 414,499 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 414,499 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>The Company&#146;s performing and non-performing mortgage loans were as follows:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="100%" colspan="16" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Mortgage Loan Credit Exposure</b></p> </td> </tr> <tr style='height:12.75pt'> <td width="100%" colspan="16" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Credit Risk Profile Based on Payment Activity</b></p> </td> </tr> <tr style='height:6.75pt'> <td width="8%" valign="bottom" style='width:8.78%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.24%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:11.25pt'> <td width="8%" valign="bottom" style='width:8.78%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="22%" colspan="3" valign="bottom" style='width:22.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&#160;Commercial </b></p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="20%" colspan="3" valign="bottom" style='width:20.56%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&#160;Residential </b></p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="20%" colspan="3" valign="bottom" style='width:20.56%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&#160;Residential Construction </b></p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="20%" colspan="3" valign="bottom" style='width:20.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&#160;Total </b></p> </td> </tr> <tr style='height:20.45pt'> <td width="8%" valign="bottom" style='width:8.78%;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b>September</b><b> 30, 2015</b></p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'></td> <td width="10%" valign="bottom" style='width:10.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b>December 31, 2014</b></p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'></td> <td width="9%" valign="bottom" style='width:9.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b>September</b><b> 30, 2015</b></p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'></td> <td width="9%" valign="bottom" style='width:9.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b>December 31, 2014</b></p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'></td> <td width="9%" valign="bottom" style='width:9.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b>September</b><b> 30, 2015</b></p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'></td> <td width="9%" valign="bottom" style='width:9.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b>December 31, 2014</b></p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'></td> <td width="9%" valign="bottom" style='width:9.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b>September</b><b> 30, 2015</b></p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'></td> <td width="9%" valign="bottom" style='width:9.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:20.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-other'><b>December 31, 2014</b></p> </td> </tr> <tr style='height:6.75pt'> <td width="8%" valign="bottom" style='width:8.78%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.24%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:9.75pt'> <td width="8%" valign="bottom" style='width:8.78%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Performing</p> </td> <td width="10%" valign="bottom" style='width:10.24%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 36,601,043 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="10%" valign="bottom" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 35,388,756 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 42,879,244 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 46,571,350 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 28,797,765 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 32,592,544 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 108,278,052 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 114,552,650 </p> </td> </tr> <tr style='height:9.75pt'> <td width="8%" valign="bottom" style='width:8.78%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Nonperforming</p> </td> <td width="10%" valign="bottom" style='width:10.24%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="10%" valign="bottom" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,197,001 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,021,083 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 479,394 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,261,896 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:9.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,500,477 </p> </td> </tr> <tr style='height:6.75pt'> <td width="8%" valign="bottom" style='width:8.78%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.24%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.5%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.08%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:10.5pt'> <td width="8%" valign="bottom" style='width:8.78%;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-other'>Total</p> </td> <td width="10%" valign="bottom" style='width:10.24%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 36,601,043 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'></td> <td width="10%" valign="bottom" style='width:10.5%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 35,388,756 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'></td> <td width="9%" valign="bottom" style='width:9.34%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 48,076,245 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'></td> <td width="9%" valign="bottom" style='width:9.08%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 53,592,433 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'></td> <td width="9%" valign="bottom" style='width:9.34%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 28,862,660 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'></td> <td width="9%" valign="bottom" style='width:9.08%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 33,071,938 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'></td> <td width="9%" valign="bottom" style='width:9.6%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 113,539,948 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'></td> <td width="9%" valign="bottom" style='width:9.08%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:10.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 122,053,127 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:.8in'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:.8in'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:.8in'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.8in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Number of Class A Shares</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:.8in'></td> <td width="12%" valign="bottom" style='width:12.26%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.8in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Weighted Average Exercise Price</p> </td> <td width="2%" valign="bottom" style='width:2.58%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.8in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="16%" valign="bottom" style='width:16.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.8in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Number of Class C Shares</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:.8in'></td> <td width="11%" valign="bottom" style='width:11.9%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.8in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Weighted Average Exercise Price</p> </td> </tr> <tr style='height:3.95pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Outstanding at December 31, 2014</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; &#160;&#160;&#160;&#160; 512,795 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 3.20 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; &#160;&#160; 691,591 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 2.00 </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Granted</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Exercised</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (23,820)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1.85 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; (114,023)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2.14 </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Cancelled</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160; (8,846)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; &#160;&#160;&#160;&#160; 2.31 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:15.75pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Outstanding at September 30, 2015</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 480,129 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 3.28 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; &#160;&#160;&#160;&#160;&#160; 577,568 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 2.62 </p> </td> </tr> <tr style='height:7.9pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>As of September 30, 2015:</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Options exercisable</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 447,571 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 3.17 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 550,693 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 2.51 </p> </td> </tr> <tr style='height:8.45pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>As of September 30, 2015:</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Available options for future grant</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 561,649 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 155,000 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:6.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Weighted average contractual term of options</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>outstanding at September 30, 2015</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>7.15 years</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>2.41 years</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:3.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Weighted average contractual term of options</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>exercisable at September 30, 2015</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>7.00 years</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>2.35 years</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:4.9pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Aggregated intrinsic value of options </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>outstanding at September 30, 2015 (1)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$1,646,768 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$2,363,921 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Aggregated intrinsic value of options </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:13.9pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>exercisable at September 30, 2015 (1)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$1,583,605 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> <td width="16%" valign="bottom" style='width:16.52%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$2,312,190 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> </tr> <tr style='height:6.0pt'> <td width="37%" valign="bottom" style='width:37.66%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="11%" valign="bottom" style='width:11.9%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="100%" colspan="9" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>(1) The Company used a stock price of $6.71 as of September 30, 2015 to derive intrinsic value. </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>A summary of the status of the Company&#146;s stock incentive plans as of September 30, 2014, and the changes during the nine months ended September 30, 2014, are presented below:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:.8in'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:.8in'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:.8in'></td> <td width="13%" valign="bottom" style='width:13.38%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.8in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Number of Class A Shares</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:.8in'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.8in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Weighted Average Exercise Price</p> </td> <td width="2%" valign="bottom" style='width:2.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.8in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.8in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Number of Class C Shares</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:.8in'></td> <td width="13%" valign="bottom" style='width:13.16%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.8in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Weighted Average Exercise Price</p> </td> </tr> <tr style='height:3.95pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Outstanding at December 31, 2013</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 405,133 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 2.41 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 508,656 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 2.00 </p> </td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Granted</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 52,000</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;4.29 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 50,000 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4.72 </p> </td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Exercised</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (40,468)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1.66 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Cancelled</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (8,201)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2.29 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Outstanding at September 30, 2014</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 408,464 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 2.75 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.08%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 558,656 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 2.25 </p> </td> </tr> <tr style='height:7.9pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:7.9pt'></td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>As of September 30, 2014:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Options exercisable</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 334,869 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 2.40 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.08%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 495,532 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 1.92 </p> </td> </tr> <tr style='height:8.45pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:8.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>As of September 30, 2014:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Available options for future grant</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 412,480 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.08%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 55,000 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:6.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Weighted average contractual term of options</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>outstanding at September 30, 2014</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>7.01 years</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>2.57 years</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:3.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Weighted average contractual term of options</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>exercisable at September 30, 2014</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>6.45 years</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>1.80 years</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:4.9pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Aggregated intrinsic value of options </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>outstanding at September 30, 2014 (1)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$913,166 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.08%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$1,524,902 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:5.45pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Aggregated intrinsic value of options </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:13.9pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>exercisable at September 30, 2014 (1)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> <td width="13%" valign="bottom" style='width:13.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$869,804 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> <td width="13%" valign="bottom" style='width:13.08%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$1,512,402 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'></td> </tr> <tr style='height:6.0pt'> <td width="38%" valign="bottom" style='width:38.04%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="13%" valign="bottom" style='width:13.38%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="13%" valign="bottom" style='width:13.08%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="100%" colspan="9" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>(1) The Company used a stock price of $4.97 as of September 30, 2014 to derive intrinsic value. </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:27.0pt'> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="33%" valign="bottom" style='width:33.98%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="27%" colspan="3" valign="bottom" style='width:27.58%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Three Months Ended September 30</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="32%" colspan="3" valign="bottom" style='width:32.0%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Nine Months Ended September 30</p> </td> </tr> <tr style='height:12.75pt'> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="33%" valign="bottom" style='width:33.98%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" style='width:12.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.36%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> </td> </tr> <tr style='height:12.75pt'> <td width="36%" colspan="2" valign="bottom" style='width:36.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Numerator:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:13.5pt'> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="33%" valign="bottom" style='width:33.98%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.72%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 4,889,785 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.72%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 2,137,822 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.36%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 10,605,767 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.48%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 4,900,733 </p> </td> </tr> <tr style='height:13.5pt'> <td width="36%" colspan="2" valign="bottom" style='width:36.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Denominator:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.36%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.48%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> <tr style='height:12.75pt'> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="33%" valign="bottom" style='width:33.98%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Basic weighted-average shares outstanding </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 13,146,617 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 12,455,314 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.36%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 13,023,962 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 12,487,646 </p> </td> </tr> <tr style='height:12.75pt'> <td width="36%" colspan="2" valign="bottom" style='width:36.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Effect of dilutive securities:</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="33%" valign="bottom" style='width:33.98%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Employee stock options</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 628,485 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 469,451 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 574,224 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 443,704 </p> </td> </tr> <tr style='height:5.45pt'> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="33%" valign="bottom" style='width:33.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="15%" valign="bottom" style='width:15.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="14%" valign="bottom" style='width:14.48%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:13.5pt'> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="33%" valign="bottom" style='width:33.98%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Diluted weighted-average shares outstanding</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.72%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 13,775,102 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.72%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 12,924,765 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.36%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,598,186 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.48%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 12,931,350 </p> </td> </tr> <tr style='height:6.2pt'> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="33%" valign="bottom" style='width:33.98%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="15%" valign="bottom" style='width:15.36%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="14%" valign="bottom" style='width:14.48%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> </tr> <tr style='height:13.5pt'> <td width="36%" colspan="2" valign="bottom" style='width:36.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Basic net earnings per share</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.72%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.37 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.72%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.17 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.36%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.81 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.48%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.39 </p> </td> </tr> <tr style='height:6.2pt'> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="33%" valign="bottom" style='width:33.98%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="15%" valign="bottom" style='width:15.36%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> <td width="14%" valign="bottom" style='width:14.48%;padding:0in 5.4pt 0in 5.4pt;height:6.2pt'></td> </tr> <tr style='height:13.5pt'> <td width="36%" colspan="2" valign="bottom" style='width:36.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Diluted net earnings per share</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.72%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.35 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.72%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.17 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.36%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.78 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.48%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.38 </p> </td> </tr> <tr style='height:6.75pt'> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="33%" valign="bottom" style='width:33.98%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.72%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="15%" valign="bottom" style='width:15.36%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="14%" valign="bottom" style='width:14.48%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:31.5pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="14%" valign="bottom" style='width:14.64%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Life Insurance </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="14%" valign="bottom" style='width:14.0%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Cemetery/ Mortuary</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="15%" valign="bottom" style='width:15.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Mortgage</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="15%" valign="bottom" style='width:15.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Eliminations</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="15%" valign="bottom" style='width:15.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Consolidated</p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>For the Three Months Ended </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>September 30, 2015</u></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:30.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Revenues from external customers</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 23,148,090 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 3,123,168 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 49,223,428 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 75,494,686 </p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Intersegment revenues</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 3,206,703 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 292,445 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 76,159 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; (3,575,307)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:30.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Segment profit before income taxes</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 3,655,998 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 250,111 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 3,888,291 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 7,794,400 </p> </td> </tr> <tr style='height:4.15pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>For the Three Months Ended </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>September 30, 2014</u></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:30.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Revenues from external customers</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 21,552,754 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 2,707,908 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 37,465,130 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 61,725,792 </p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Intersegment revenues</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,407,685 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 331,415 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 166,043 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; (2,905,143)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:30.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Segment profit before income taxes</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 1,986,732 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (119,548)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 1,509,956 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 3,377,140 </p> </td> </tr> <tr style='height:7.15pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>For the Nine Months Ended </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>September 30, 2015</u></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:30.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Revenues from external customers</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 65,610,558 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 9,436,496 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 140,537,879 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 215,584,933 </p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Intersegment revenues</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 8,884,390 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 910,016 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 256,950 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; (10,051,356)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:30.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Segment profit before income taxes</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 7,175,036 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 811,261 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 9,038,439 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 17,024,736 </p> </td> </tr> <tr style='height:5.25pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Identifiable Assets</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 709,683,255 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; 100,760,704 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 71,954,237 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; (133,002,358)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 749,395,838 </p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Goodwill</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> </tr> <tr style='height:4.5pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>For the Nine Months Ended </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>September 30, 2014</u></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:30.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Revenues from external customers</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 59,836,068 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 9,283,357 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 97,071,373 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 166,190,798 </p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Intersegment revenues</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 6,825,600 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 1,002,027 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 561,438 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; (8,389,065)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:30.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Segment profit before income taxes</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 4,833,627 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 232,141 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,664,456 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 7,730,224 </p> </td> </tr> <tr style='height:4.7pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:4.7pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.7pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:4.7pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.7pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:4.7pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.7pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:4.7pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.7pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:4.7pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.7pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:4.7pt'></td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Identifiable Assets</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 646,540,190 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; 106,836,565 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 56,961,903 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; (149,825,928)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 660,512,730 </p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="bottom" style='width:14.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Goodwill</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 285,191 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 3,050,761 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-right:-1.0pt;text-align:justify;line-height:4.0pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:51.0pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:51.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:51.0pt'></td> <td width="17%" valign="bottom" style='width:17.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Total</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:51.0pt'></td> <td width="20%" valign="bottom" style='width:20.12%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Quoted Prices in Active Markets for Identical Assets (Level 1)</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:51.0pt'></td> <td width="14%" valign="bottom" style='width:14.94%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Significant Observable Inputs (Level 2)</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:51.0pt'></td> <td width="19%" valign="bottom" style='width:19.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Significant Unobservable Inputs (Level 3)</b></p> </td> </tr> <tr style='height:25.5pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Assets accounted for at fair value on a recurring basis</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:12.75pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Common stock</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,208,726 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,208,726 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:13.5pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total securities available for sale</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="17%" valign="bottom" style='width:17.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,208,726 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="20%" valign="bottom" style='width:20.12%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,208,726 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.94%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="19%" valign="bottom" style='width:19.44%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:5.45pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:12.75pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Restricted assets of cemeteries and mortuaries</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 670,390 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 670,390 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Cemetery perpetual care trust investments</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 609,303 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 609,303 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> </tr> <tr style='height:12.75pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Derivatives - interest rate lock commitments</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,756,170 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,756,170 </p> </td> </tr> <tr style='height:26.25pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Total assets accounted for at fair value on a recurring basis</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="17%" valign="bottom" style='width:17.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,244,589 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="20%" valign="bottom" style='width:20.12%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,488,419 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="14%" valign="bottom" style='width:14.94%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="19%" valign="bottom" style='width:19.44%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,756,170 </p> </td> </tr> <tr style='height:5.25pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> <tr style='height:25.5pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Liabilities accounted for at fair value on a&#160; recurring basis</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:12.75pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policyholder account balances</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; (50,915,543)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; (50,915,543)</p> </td> </tr> <tr style='height:12.75pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Future policy benefits - annuities</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (63,289,669)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (63,289,669)</p> </td> </tr> <tr style='height:12.75pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:45.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Derivatives&#160; - call options</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (6,715)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (6,715)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:35.85pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; - put options</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (103,684)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="20%" valign="bottom" style='width:20.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (103,684)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> </tr> <tr style='height:12.75pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:45.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; - interest rate lock commitments</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (518,227)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="20%" valign="bottom" style='width:20.12%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.94%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (518,227)</p> </td> </tr> <tr style='height:26.25pt'> <td width="19%" valign="bottom" style='width:19.6%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Total liabilities accounted for at fair value on a recurring basis</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="17%" valign="bottom" style='width:17.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; (114,833,838)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="20%" valign="bottom" style='width:20.12%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (110,399)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="14%" valign="bottom" style='width:14.94%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="19%" valign="bottom" style='width:19.44%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; (114,723,439)</p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Following is a summary of changes in the condensed consolidated balance sheet line items measured using level 3 inputs:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:45.0pt'> <td width="26%" valign="bottom" style='width:26.02%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="18%" valign="bottom" style='width:18.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Policyholder Account Balances </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="15%" valign="bottom" style='width:15.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Future Policy Benefits - Annuities </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Interest Rate Lock Commitments </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Bank Loan Interest Rate Swaps </p> </td> </tr> <tr style='height:5.1pt'> <td width="26%" valign="bottom" style='width:26.02%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="18%" valign="bottom" style='width:18.3%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance - December 31, 2014</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="18%" valign="bottom" style='width:18.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (45,310,699)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; (65,540,985)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,929,851 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (31,370)</p> </td> </tr> <tr style='height:5.1pt'> <td width="26%" valign="bottom" style='width:26.02%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="18%" valign="bottom" style='width:18.3%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total gains (losses):</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="18%" valign="bottom" style='width:18.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:5.1pt'> <td width="26%" valign="bottom" style='width:26.02%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="18%" valign="bottom" style='width:18.3%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-numeric ideograph-other'>Included in earnings</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="18%" valign="bottom" style='width:18.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (5,604,844)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,251,316 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:5.1pt'> <td width="26%" valign="bottom" style='width:26.02%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="18%" valign="bottom" style='width:18.3%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> </tr> <tr style='height:25.5pt'> <td width="26%" valign="bottom" style='width:26.02%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-numeric ideograph-other'>Included in other comprehensive income (loss)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="18%" valign="bottom" style='width:18.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="bottom" style='width:15.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="16%" valign="bottom" style='width:16.22%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,308,092 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:9.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 31,370 </p> </td> </tr> <tr style='height:5.1pt'> <td width="26%" valign="bottom" style='width:26.02%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="18%" valign="bottom" style='width:18.3%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:5.1pt'></td> </tr> <tr style='height:13.5pt'> <td width="26%" valign="bottom" style='width:26.02%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance - September 30, 2015</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="18%" valign="bottom" style='width:18.3%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (50,915,543)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.92%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; (63,289,669)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="16%" valign="bottom" style='width:16.22%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,237,943 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="39%" valign="bottom" style='width:39.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Quoted Prices</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="39%" valign="bottom" style='width:39.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>in Active</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Significant</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Significant</b></p> </td> </tr> <tr style='height:12.75pt'> <td width="39%" valign="bottom" style='width:39.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Markets for </b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Observable </b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Unobservable</b></p> </td> </tr> <tr style='height:12.75pt'> <td width="39%" valign="bottom" style='width:39.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Identical Assets</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Inputs</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Inputs</b></p> </td> </tr> <tr style='height:12.75pt'> <td width="39%" valign="bottom" style='width:39.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="12%" valign="bottom" style='width:12.46%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Total</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>(Level 1)</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>(Level 2)</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>(Level 3)</b></p> </td> </tr> <tr style='height:25.5pt'> <td width="39%" valign="bottom" style='width:39.52%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Assets accounted for at fair value on a nonrecurring basis</p> </td> <td width="12%" valign="bottom" style='width:12.46%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="bottom" style='width:15.74%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" valign="bottom" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.78%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:12.75pt'> <td width="39%" valign="bottom" style='width:39.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage servicing rights</p> </td> <td width="12%" valign="bottom" style='width:12.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 4,674,218 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 4,674,218 </p> </td> </tr> <tr style='height:12.75pt'> <td width="39%" valign="bottom" style='width:39.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans on real estate</p> </td> <td width="12%" valign="bottom" style='width:12.46%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 320,000 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; -&#160;&#160; </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; -&#160;&#160; </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 320,000 </p> </td> </tr> <tr style='height:26.25pt'> <td width="39%" valign="bottom" style='width:39.52%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Total assets accounted for at fair value on a nonrecurring basis</b></p> </td> <td width="12%" valign="bottom" style='width:12.46%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 4,994,218 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="15%" valign="bottom" style='width:15.74%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="11%" valign="bottom" style='width:11.96%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 4,994,218 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:65.25pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:65.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:65.25pt'></td> <td width="14%" valign="bottom" style='width:14.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:65.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Total</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:65.25pt'></td> <td width="19%" valign="bottom" style='width:19.7%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:65.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Quoted Prices in Active Markets for Identical Assets (Level 1)</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:65.25pt'></td> <td width="15%" valign="bottom" style='width:15.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:65.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Significant Observable Inputs (Level 2)</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:65.25pt'></td> <td width="17%" valign="bottom" style='width:17.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:65.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Significant Unobservable Inputs (Level 3)</b></p> </td> </tr> <tr style='height:25.5pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Assets accounted for at fair value on a recurring basis</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="top" style='width:14.04%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="19%" valign="top" style='width:19.7%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="top" style='width:15.82%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="17%" valign="top" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:12.75pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Common stock</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,752,750 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.7%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,752,750 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:13.5pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total securities available for sale</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="14%" valign="bottom" style='width:14.04%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,752,750 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="19%" valign="bottom" style='width:19.7%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,752,750 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="17%" valign="bottom" style='width:17.74%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:6.0pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="14%" valign="bottom" style='width:14.04%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="19%" valign="bottom" style='width:19.7%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="15%" valign="bottom" style='width:15.82%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="17%" valign="bottom" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:12.75pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Restricted assets of cemeteries and mortuaries</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 715,202 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 715,202 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Cemetery perpetual care trust investments</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 695,235 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 695,235 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> </tr> <tr style='height:12.75pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Derivatives - interest rate lock commitments</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,111,529 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.7%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,111,529 </p> </td> </tr> <tr style='height:26.25pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Total assets accounted for at fair value on a recurring basis</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="14%" valign="bottom" style='width:14.04%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,274,716 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="19%" valign="bottom" style='width:19.7%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,163,187 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="15%" valign="bottom" style='width:15.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="17%" valign="bottom" style='width:17.74%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,111,529 </p> </td> </tr> <tr style='height:26.25pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Liabilities accounted for at fair value on a recurring basis</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="14%" valign="bottom" style='width:14.04%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="19%" valign="bottom" style='width:19.7%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="15%" valign="bottom" style='width:15.82%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="17%" valign="bottom" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> </tr> <tr style='height:12.75pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policyholder account balances</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; (45,310,699)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; (45,310,699)</p> </td> </tr> <tr style='height:12.75pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Future policy benefits - annuities</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (65,540,985)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (65,540,985)</p> </td> </tr> <tr style='height:12.75pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Derivatives - bank loan interest rate swaps</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (31,370)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (31,370)</p> </td> </tr> <tr style='height:12.75pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; - call options</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (116,036)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (116,036)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - put options</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (11,867)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (11,867)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; - interest rate lock commitment</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="14%" valign="bottom" style='width:14.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (181,678)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.7%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (181,678)</p> </td> </tr> <tr style='height:26.25pt'> <td width="24%" valign="bottom" style='width:24.06%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Total liabilities accounted for at fair value on a recurring basis</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="14%" valign="bottom" style='width:14.04%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; (111,192,635)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="19%" valign="bottom" style='width:19.7%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (127,903)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="15%" valign="bottom" style='width:15.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="17%" valign="bottom" style='width:17.74%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; (111,064,732)</p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="38%" valign="bottom" style='width:38.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Quoted Prices</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="38%" valign="bottom" style='width:38.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>in Active</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Significant</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Significant</b></p> </td> </tr> <tr style='height:12.75pt'> <td width="38%" valign="bottom" style='width:38.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Markets for </b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Observable </b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Unobservable</b></p> </td> </tr> <tr style='height:12.75pt'> <td width="38%" valign="bottom" style='width:38.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Identical Assets</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Inputs</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Inputs</b></p> </td> </tr> <tr style='height:12.75pt'> <td width="38%" valign="bottom" style='width:38.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.14%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Total</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>(Level 1)</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>(Level 2)</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>(Level 3)</b></p> </td> </tr> <tr style='height:12.75pt'> <td width="38%" valign="bottom" style='width:38.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Assets accounted for at fair value on a </b></p> </td> <td width="13%" valign="bottom" style='width:13.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="38%" valign="bottom" style='width:38.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-numeric ideograph-other'><b>nonrecurring basis</b></p> </td> <td width="13%" valign="bottom" style='width:13.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="38%" valign="bottom" style='width:38.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage servicing rights</p> </td> <td width="13%" valign="bottom" style='width:13.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 3,741,381 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 3,741,381 </p> </td> </tr> <tr style='height:12.75pt'> <td width="38%" valign="bottom" style='width:38.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Real estate held for investment</p> </td> <td width="13%" valign="bottom" style='width:13.14%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 53,500 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 53,500 </p> </td> </tr> <tr style='height:12.75pt'> <td width="38%" valign="bottom" style='width:38.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Total assets accounted for at fair value on a </b></p> </td> <td width="13%" valign="bottom" style='width:13.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.04%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:13.5pt'> <td width="38%" valign="bottom" style='width:38.54%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>&#160;&#160; nonrecurring basis</b></p> </td> <td width="13%" valign="bottom" style='width:13.14%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 3,794,881 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.04%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.86%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 3,794,881 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:25.5pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Carrying Value</b></p> </td> <td width="2%" valign="bottom" style='width:2.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&nbsp;</b></p> </td> <td width="10%" valign="bottom" style='width:10.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Level 1</b></p> </td> <td width="2%" valign="bottom" style='width:2.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&nbsp;</b></p> </td> <td width="10%" valign="bottom" style='width:10.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Level 2</b></p> </td> <td width="2%" valign="bottom" style='width:2.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&nbsp;</b></p> </td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Level 3</b></p> </td> <td width="2%" valign="bottom" style='width:2.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&nbsp;</b></p> </td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Total Estimated Fair Value</b></p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Assets</b></p> </td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans:</p> </td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential</p> </td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 46,506,794 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 49,579,568 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 49,579,568 </p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential construction</p> </td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,762,546 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,762,546 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,762,546 </p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Commercial</p> </td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 36,413,914 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 38,062,674 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 38,062,674 </p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans, net</p> </td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 111,683,254 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 116,404,788 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 116,404,788 </p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policy loans</p> </td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,038,768 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,038,768 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,038,768 </p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other loans</p> </td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,422,787 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,422,787 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,422,787 </p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Short-term investments</p> </td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 19,980,369 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 19,980,369 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 19,980,369 </p> </td> </tr> <tr style='height:.05in'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Liabilities</b></p> </td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Bank and other loans payable</p> </td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; (39,535,964)</p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.08%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; (39,535,964)</p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; (39,535,964)</p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The carrying values and estimated fair values for such financial instruments, and their corresponding placement in the fair value hierarchy, are summarized as follows as of December 31, 2014:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:25.5pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="15%" valign="bottom" style='width:15.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Carrying Value</b></p> </td> <td width="2%" valign="bottom" style='width:2.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&nbsp;</b></p> </td> <td width="10%" valign="bottom" style='width:10.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Level 1</b></p> </td> <td width="2%" valign="bottom" style='width:2.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&nbsp;</b></p> </td> <td width="10%" valign="bottom" style='width:10.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Level 2</b></p> </td> <td width="2%" valign="bottom" style='width:2.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&nbsp;</b></p> </td> <td width="15%" valign="bottom" style='width:15.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Level 3</b></p> </td> <td width="2%" valign="bottom" style='width:2.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>&nbsp;</b></p> </td> <td width="15%" valign="bottom" style='width:15.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Total Estimated Fair Value</b></p> </td> </tr> <tr style='height:12.75pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Assets</b></p> </td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans:</p> </td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential</p> </td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 51,876,621 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 55,247,638 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 55,247,638 </p> </td> </tr> <tr style='height:12.75pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential construction</p> </td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 32,971,824 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 32,971,824 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 32,971,824 </p> </td> </tr> <tr style='height:12.75pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Commercial</p> </td> <td width="15%" valign="bottom" style='width:15.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 35,201,627 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 36,829,266 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 36,829,266 </p> </td> </tr> <tr style='height:12.75pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans, net</p> </td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 120,050,072 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 125,048,728 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 125,048,728 </p> </td> </tr> <tr style='height:12.75pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policy loans</p> </td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,011,012 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,011,012 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,011,012 </p> </td> </tr> <tr style='height:12.75pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other loans</p> </td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,114,416 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,114,416 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,114,416 </p> </td> </tr> <tr style='height:12.75pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Short-term investments</p> </td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,059,495 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,059,495 </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,059,495 </p> </td> </tr> <tr style='height:3.0pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:12.75pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b>Liabilities</b></p> </td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="22%" valign="bottom" style='width:22.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Bank and other loans payable</p> </td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; (28,989,008)</p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; (28,989,008)</p> </td> <td width="2%" valign="bottom" style='width:2.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; (28,989,008)</p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.0pt'> <td width="13%" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="86%" colspan="15" valign="bottom" style='width:86.38%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Fair Value of Derivative Instruments</b></p> </td> </tr> <tr style='height:12.0pt'> <td width="13%" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="43%" colspan="7" valign="bottom" style='width:43.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Asset Derivatives</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="40%" colspan="7" valign="bottom" style='width:40.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Liability Derivatives</p> </td> </tr> <tr style='height:12.0pt'> <td width="13%" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="20%" colspan="3" valign="bottom" style='width:20.76%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>September 30, 2015</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="20%" colspan="3" valign="bottom" style='width:20.7%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31, 2014</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="19%" colspan="3" valign="bottom" style='width:19.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>September 30, 2015</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="19%" colspan="3" valign="bottom" style='width:19.42%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31, 2014</p> </td> </tr> <tr style='height:32.25pt'> <td width="13%" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="9%" valign="bottom" style='width:9.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Balance Sheet Location</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="9%" valign="bottom" style='width:9.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Fair Value</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="9%" valign="bottom" style='width:9.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Balance Sheet Location</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="9%" valign="bottom" style='width:9.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Fair Value</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="9%" valign="bottom" style='width:9.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Balance Sheet Location</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="7%" valign="bottom" style='width:7.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Fair Value</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="9%" valign="bottom" style='width:9.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Balance Sheet Location</b></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="7%" valign="bottom" style='width:7.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Fair Value</b></p> </td> </tr> <tr style='height:33.75pt'> <td width="13%" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Derivatives designated as hedging instruments:</p> </td> <td width="9%" valign="bottom" style='width:9.42%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="7%" valign="bottom" style='width:7.52%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="7%" valign="bottom" style='width:7.92%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> </tr> <tr style='height:33.75pt'> <td width="13%" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>Interest rate lock and forward sales commitments</p> </td> <td width="9%" valign="bottom" style='width:9.42%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>other assets</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $4,756,170 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>other assets</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $2,111,529 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="7%" valign="bottom" style='width:7.52%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160; 518,227 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="7%" valign="bottom" style='width:7.92%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $181,678 </p> </td> </tr> <tr style='height:22.5pt'> <td width="13%" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Call options</p> </td> <td width="9%" valign="bottom" style='width:9.42%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>--</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>--</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>--</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>--</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="7%" valign="bottom" style='width:7.52%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,715 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="7%" valign="bottom" style='width:7.92%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 116,036 </p> </td> </tr> <tr style='height:22.5pt'> <td width="13%" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Put options</p> </td> <td width="9%" valign="bottom" style='width:9.42%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>--</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>--</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>--</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>--</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="7%" valign="bottom" style='width:7.52%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 103,684 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="7%" valign="bottom" style='width:7.92%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 11,867 </p> </td> </tr> <tr style='height:22.5pt'> <td width="13%" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Interest rate swaps</p> </td> <td width="9%" valign="bottom" style='width:9.42%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>--</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;-- </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>--</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>--</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Bank loans payable</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="7%" valign="bottom" style='width:7.52%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Bank loans payable</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="7%" valign="bottom" style='width:7.92%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 31,370 </p> </td> </tr> <tr style='height:12.75pt'> <td width="13%" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="9%" valign="bottom" style='width:9.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $4,756,170 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.2%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $2,111,529 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="7%" valign="bottom" style='width:7.52%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160; 628,626 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="7%" valign="bottom" style='width:7.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $340,951 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:26.25pt'> <td width="23%" valign="bottom" style='width:23.84%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="36%" colspan="3" valign="bottom" style='width:36.4%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Net Amount Gain (Loss) Recognized in OCI</b></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="35%" colspan="3" valign="bottom" style='width:35.4%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><b>Net Amount Gain (Loss) Recognized in OCI</b></p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="36%" colspan="3" valign="bottom" style='width:36.4%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Three Months Ended September 30</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="35%" colspan="3" valign="bottom" style='width:35.4%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Nine Months Ended September 30</p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>Derivative - Cash Flow Hedging Relationships:</u></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.58%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.54%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-numeric ideograph-other'>Interest Rate Lock Commitments</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; (1,431,809)</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.58%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (713,276)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,308,092 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 525,136 </p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-numeric ideograph-other'>Interest Rate Swaps</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 22,659 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.58%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,655 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 31,370 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.54%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 21,955 </p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-numeric ideograph-other'>Sub Total</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,409,150)</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.58%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (703,621)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,339,462 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 547,091 </p> </td> </tr> <tr style='height:12.75pt'> <td width="23%" valign="bottom" style='width:23.84%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-numeric ideograph-other'>Tax Effect</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (549,569)</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="17%" valign="bottom" style='width:17.58%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (274,412)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.52%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 912,390 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.54%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 213,366 </p> </td> </tr> <tr style='height:13.5pt'> <td width="23%" valign="bottom" style='width:23.84%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:14.35pt;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="16%" valign="bottom" style='width:16.52%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (859,581)</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="17%" valign="bottom" style='width:17.58%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (429,209)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="16%" valign="bottom" style='width:16.52%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,427,072 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="16%" valign="bottom" style='width:16.54%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 333,725 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:45.0pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="21%" valign="bottom" style='width:21.66%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As of September 30 2015</p> </td> <td width="21%" valign="bottom" style='width:21.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As of December 31 2014</p> </td> </tr> <tr style='height:15.0pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Amortized cost:</p> </td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance before valuation allowance at beginning of year</p> </td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,834,747 </p> </td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;4,844,101 </p> </td> </tr> <tr style='height:13.9pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>MSRs proceeds from loan sales</p> </td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,674,218 </p> </td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:13.9pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,741,381 </p> </td> </tr> <tr style='height:15.0pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Amortization</p> </td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (934,626)</p> </td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (750,735)</p> </td> </tr> <tr style='height:22.5pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Application of valuation allowance to write down MSRs with other than temporary impairment</p> </td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance before valuation allowance at year end</p> </td> <td width="21%" valign="bottom" style='width:21.66%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 11,574,339 </p> </td> <td width="21%" valign="bottom" style='width:21.24%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,834,747 </p> </td> </tr> <tr style='height:7.15pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> </tr> <tr style='height:15.0pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Valuation allowance for impairment of MSRs:</p> </td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance at beginning of year</p> </td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;- </p> </td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Additions</p> </td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:26.6pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:26.6pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Application of valuation allowance to write down MSRs &#160;&#160; with other than temporary impairment</p> </td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:26.6pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:26.6pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance at end of period</p> </td> <td width="21%" valign="bottom" style='width:21.66%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="21%" valign="bottom" style='width:21.24%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage servicing rights, net</p> </td> <td width="21%" valign="bottom" style='width:21.66%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 11,574,339 </p> </td> <td width="21%" valign="bottom" style='width:21.24%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,834,747 </p> </td> </tr> <tr style='height:15.75pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="21%" valign="bottom" style='width:21.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="21%" valign="bottom" style='width:21.24%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:15.75pt'> <td width="57%" valign="bottom" style='width:57.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Estimated fair value of MSRs at end of period</p> </td> <td width="21%" valign="bottom" style='width:21.66%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 12,093,178 </p> </td> <td width="21%" valign="bottom" style='width:21.24%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,485,570 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:39.0pt'> <td width="39%" valign="bottom" style='width:39.62%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="27%" colspan="3" valign="bottom" style='width:27.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>For the Three Months Ended September 30 (unaudited)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="28%" colspan="3" valign="bottom" style='width:28.28%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>For the Nine Months Ended September 30 (unaudited)</p> </td> </tr> <tr style='height:15.0pt'> <td width="39%" valign="bottom" style='width:39.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> </td> </tr> <tr style='height:15.0pt'> <td width="39%" valign="bottom" style='width:39.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total revenues</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 75,494,686 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 61,725,792 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 215,584,933 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 168,522,777 </p> </td> </tr> <tr style='height:15.0pt'> <td width="39%" valign="bottom" style='width:39.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 4,889,785 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 2,137,822 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 10,605,767 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 5,142,490 </p> </td> </tr> <tr style='height:15.0pt'> <td width="39%" valign="bottom" style='width:39.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per Class A equivalent common share</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.37 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.17 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.81 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.41 </p> </td> </tr> <tr style='height:15.0pt'> <td width="39%" valign="bottom" style='width:39.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per Class A equivalent common share</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="39%" valign="bottom" style='width:39.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:7.15pt;text-autospace:ideograph-numeric ideograph-other'>assuming dilution</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.35 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.17 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" 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Major Types of Debt and Equity Securities [Axis] 8) Allowance For Doubtful Accounts and Loan Losses and Impaired Loans 3) Investments Cash flows from financing activities: Weighted-average Class A equivalent common share outstanding (1) Realized gains on investments and other assets Allowance for doubtful accounts on policy and other loans Common stock Other assets Deferred policy and pre-need contract acquisition costs Cemetery land and improvements Equity securities, available for sale, at estimated fair value Statement [Line Items] Mortgage servicing rights Represents the monetary amount of Mortgage servicing rights, as of the indicated date. Future Policy Benefits - Annuities Derivatives - bank loan interest rate swaps, Put Options Represents the monetary amount of Derivatives - bank loan interest rate swaps, Put Options, as of the indicated date. Shares outstanding Mortgage Loans during period Represents the monetary amount of Mortgage Loans during period, during the indicated time period. Other Assets {1} Other Assets Due in 2016 through 2019 Mortgage loans on real estate and construction, allowance for losses Mortgage loans on real estate and construction, allowance for losses Represents the monetary amount of Mortgage loans on real estate and construction, allowance for losses, as of the indicated date. US Treasury and Government Schedule of Gains and Losses on Derivatives Represents the textual narrative disclosure of Schedule of Gains and Losses on Derivatives, during the indicated time period. New Accounting Pronouncements, Policy Changes in assets for perpetual care trusts Changes in assets for perpetual care trusts Represents the monetary amount of Changes in assets for perpetual care trusts, during the indicated time period. Statement, Equity Components [Axis] Other comprehensive income (loss): Net earnings per Class A Equivalent common share (1) Treasury Stock Retained earnings Total liabilities Total liabilities Accounts payable Cemetery perpetual care obligation Represents the monetary amount of Cemetery perpetual care obligation, as of the indicated date. Bank and other loans payable Real estate held for investment, net of accumulated depreciation of $11,819,249 and $10,875,419 for 2015 and 2014 Gain (Loss) on Derivatives, Interest Rate Swaps Represents the monetary amount of Gain (Loss) on Derivatives, Interest Rate Swaps, during the indicated time period. Fair Value of Liability Derivatives, Interest rate lock and forward sales commitments Represents the monetary amount of Fair Value of Liability Derivatives, Interest rate lock and forward sales commitments, as of the indicated date. MortgageLoansNet1Member Fair Value, Losses (Gains) included in other comprehensive income Represents the monetary amount of Fair Value, Losses (Gains) included in other comprehensive income, during the indicated time period. Level 3 Inputs Restricted assets of cemeteries and mortuaries Represents the monetary amount of Restricted assets of cemeteries and mortuaries, as of the indicated date. Fair Value, Measurements, Fair Value Hierarchy Antidilutive Securities Excluded from Computation of Net Income, Per Outstanding Unit, Amount Aggregated intrinsic value of options outstanding Represents the monetary amount of Aggregated intrinsic value of options outstanding, as of the indicated date. Impaired Financing Receivable, with No Related Allowance, Recorded Investment Past due 30 to 59 days Average market value over amortized cost Represents the Average market value over amortized cost, as of the indicated date. Available-for-sale Securities, Amortized Cost Basis Schedule of stock inventive plan changes Mortgage loans foreclosed into real estate Represents the monetary amount of MortgageLoansForeclosedIntoRealEstate, during the indicated time period. Cash and cash equivalents at beginning of period Cash and cash equivalents at beginning of period Cash and cash equivalents at end of period Annuity contract receipts Stock Dividends Sale of treasury stock Commissions Surrenders and other policy benefits Represents the monetary amount of Surrenders and other policy benefits, during the indicated time period. Total revenues Total revenues Entity Central Index Key Document Period End Date Document Type Balance before valuation allowance at beginning of year Represents the monetary amount of Balance before valuation allowance at beginning of year, as of the indicated date. Fair Value of Liability Derivatives, Interest Rate Swaps Represents the monetary amount of Fair Value of Liability Derivatives, Interest Rate Swaps, as of the indicated date. Derivatives - bank loan interest rate swaps, Call Options Represents the monetary amount of Derivatives - bank loan interest rate swaps, Call Options, as of the indicated date. Mortgage GrantOfEmployeeStockOptions Represents the monetary amount of GrantOfEmployeeStockOptions, during the indicated time period. Options Exercisable Represents the Options Exercisable (number of shares), as of the indicated date. Interest not accrued on non-performing loans Represents the monetary amount of Interest not accrued on non-performing loans, as of the indicated date. Allowance for credit losses, Charge-offs Allowance for credit losses, Charge-offs Represents the monetary amount of Allowance for credit losses, Charge-offs, during the indicated time period. Investments by Category [Axis] Less than 12 months Schedule of Earnings Per Share, Basic and Diluted Available-for-sale Securities {2} Available-for-sale Securities Proceeds from stock options exercised Proceeds from stock options exercised Net cash provided by (used in) investing activities Net cash provided by (used in) investing activities Purchase of short-term investments Purchase of short-term investments Statement of Cash Flows Reverse stock split true up Represents the monetary amount of ReverseStockSplitTrueUp, during the indicated time period. Net unrealized gains (losses) on derivative instruments Personnel Represents the monetary amount of Personnel, during the indicated time period. Accumulated other comprehensive income, net of taxes Goodwill Fixed maturity securities, held to maturity, at amortized cost Investments: Amendment Flag Document and Entity Information: Balance before valuation allowance at year end Represents the monetary amount of Balance before valuation allowance at year end, as of the indicated date. Bank and other loans payable {1} Bank and other loans payable Represents the monetary amount of Bank and other loans payable, as of the indicated date. Liabilities accounted for at fair value Represents the monetary amount of Liabilities accounted for at fair value, as of the indicated date. Fair Value, Inputs, Level 2 Identifiable Assets Represents the monetary amount of Identifiable Assets, as of the indicated date. Significant Reconciling Items Life Insurance Segment Restricted Assets [Axis] Investment Income, Investment Expense Investment Income, Investment Expense Contractual Maturity Loan loss reserve, Provisions for losses Represents the monetary amount of Loan loss reserve, Provisions for losses, as of the indicated date. Beginning, Loan Loss Reserve Represents the monetary amount of Beginning, Loan Loss Reserve, as of the indicated date. Other than Temporary Impairment, Credit Losses Recognized in Earnings, Period Increase (Decrease) Held-to-maturity Securities, Unrecognized Holding Gain Schedule of Unrealized Loss on Investments Scenario, Unspecified Policies Purchase of real estate Purchase of real estate Treasury Stock {1} Treasury Stock Common Stock Outstanding Balance Sheet Parenthetical Total Liabilities and Stockholders' Equity Total Liabilities and Stockholders' Equity Property and equipment, net Mortgage servicing rights, net Represents the monetary amount of Mortgage servicing rights, net, as of the indicated date. Balance Sheet Entity Filer Category Amounts accrued for loan losses Represents the monetary amount of Amounts accrued for loan losses, during the indicated time period. Fair Value of Asset Derivatives, Interest Rate Swaps Represents the monetary amount of Fair Value of Asset Derivatives, Interest Rate Swaps, as of the indicated date. Assets accounted for at fair value on a nonrecurring basis Represents the monetary amount of Assets accounted for at fair value on a nonrecurring basis, as of the indicated date. Policyholder account balances Represents the monetary amount of Policyholder account balances, as of the indicated date. Fair Value, Inputs, Level 3 Per Share Shares Exercised Represents the per-share monetary value of Per Share Shares Exercised, during the indicated time period. Nonperforming Financing Receivable Current Financing Receivable, Allowance for Credit Losses, Beginning Balance Financing Receivable, Allowance for Credit Losses, Beginning Balance Financing Receivable, Allowance for Credit Losses, Ending Balance Net realized gain related to sales of securities Represents the monetary amount of Net realized gain related to sales of securities, during the indicated time period. Other than Temporary Impairments Represents the monetary amount of Other than Temporary Impairments, during the indicated time period. Total Available-for-sale Securities, Gross Unrealized Gain Types of Financial Instruments Industrial, miscellaneous and all other equity securities Corporate Debt Securities Schedule of pro forma financial information Represents the textual narrative disclosure of Schedule of pro forma financial information, during the indicated time period. Calls and maturities - fixed maturity securities Other comprehensive income Other comprehensive income (loss) Document Fiscal Year Focus Entity Common Stock, Shares Outstanding MSRs proceeds from loan sales Represents the monetary amount of MSRs proceeds from loan sales, as of the indicated date. Fair Value of Asset Derivatives, Total Represents the monetary amount of Fair Value of Asset Derivatives, Total, as of the indicated date. Real estate held for investment Represents the monetary amount of Real estate held for investment, as of the indicated date. Interest Rate Lock Commitments Mortgage Loans, Allowance for Loan Losses Represents the monetary amount of Mortgage Loans, Allowance for Loan Losses, during the indicated time period. Real Estate Due in 2020 through 2024 Loans held for sale policy loans Represents the monetary amount of Loans held for sale policy loans, as of the indicated date. Commercial Loan AsOfSeptember302015Member Annuity contract withdrawals Annuity contract withdrawals Amount received for perpetual care trusts Represents the monetary amount of AmountReceivedForPerpetualCareTrusts, during the indicated time period. Purchases of restricted assets Purchases of restricted assets Sales - equity securities Income tax expense Income tax expense Advertising Income Statement Stockholders' Equity Income taxes Restricted assets Cash and cash equivalents Total investments Class A Common Stock {1} Class A Common Stock Entity Well-known Seasoned Issuer Class of Stock Statement [Table] GainLossOnDerivativesSubTotal Represents the monetary amount of GainLossOnDerivativesSubTotal, during the indicated time period. Fair Value of Asset Derivatives, Call Options Represents the monetary amount of Fair Value of Asset Derivatives, Call Options, as of the indicated date. PolicyLoanMember Cemetery perpetual care trust investments {1} Cemetery perpetual care trust investments Represents the monetary amount of Cemetery perpetual care trust investments, as of the indicated date. Shares Granted Represents the Shares Granted (number of shares), during the indicated time period. Credit Quality Indicator [Axis] Impaired Financing Receivable, with Related Allowance, Average Recorded Investment Impaired Financing Receivable, with Related Allowance, Recorded Investment Past due 60 to 89 days Financing Receivable, Collectively Evaluated for Impairment Financing Receivable, Collectively Evaluated for Impairment Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest Fair Value Represents the monetary amount of Fair Value, as of the indicated date. Represents the monetary amount of HeldToMaturitySecuritiesEstimatedFairValue, as of the indicated date. Represents the monetary amount of HeldToMaturitySecuritiesEstimatedFairValue, as of the indicated date. Redeemable Preferred Stock Collateralized Mortgage Backed Securities Schedule of Fair Value Measurements, Nonrecurring Schedule of Allowance for loan losses as a contra-asset account Represents the textual narrative disclosure of Schedule of Allowance for loan losses as a contra-asset account, during the indicated time period. Securities held to maturity: Accumulated Other Comprehensive Income (Loss) Net earnings Net earnings Other expenses Costs related to funding mortgage loans Represents the monetary amount of Costs related to funding mortgage loans, during the indicated time period. Selling, general and administrative expenses: Other income Accumulated depreciation on real estate held for investment Unearned premium reserve Commitments to fund new residential construction loans Represents the monetary amount of Commitments to fund new residential construction loans, as of the indicated date. Level 3 Inputs [Axis] Non-redeemable preferred stock Represents the monetary amount of Non-redeemable preferred stock, as of the indicated date. Revenue from customers Represents the monetary amount of Revenue from customers, during the indicated time period. Segment Available options for future grant Represents the monetary amount of Available options for future grant, during the indicated time period. Allowance for credit losses, Provision Represents the monetary amount of Allowance for credit losses, Provision, during the indicated time period. Net Investment Income Held-to-maturity Securities, Fair Value More than 12 months Total policy and other loans at amortized cost Other loans AsOfDecember312014Member 9) Derivative Commitments 2) Recent Accounting Pronouncements Proceeds from borrowing on bank loans Sale of property and equipment Cash flows from investing activities: Exercise of stock options Represents the monetary amount of ExerciseOfStockOptions, during the indicated time period. Comprehensive Income Statement Cost of goods and services sold-mortuaries and cemeteries Amortization of deferred policy and pre-need acquisition costs and value of business acquired Increase in future policy benefits Net mortuary and cemetery sales Net investment income Common Stock Par Value Cemetery perpetual care trust investments Represents the monetary amount of Cemetery perpetual care trust investments, as of the indicated date. Trading Symbol Estimated fair value of MSRs at end of period Represents the monetary amount of Estimated fair value of MSRs at end of period, as of the indicated date. Fair value of outstanding call options Represents the monetary amount of Fair value of outstanding call options, as of the indicated date. Fair Value Balance Fair Value Balance Fair Value Balance Represents the monetary amount of Fair Value Balance, as of the indicated date. Assets accounted for at fair value on a recurring basis Fair Value, Hierarchy [Axis] Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance Financing Receivable, Individually Evaluated for Impairment Financing Receivable, Individually Evaluated for Impairment Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment Cemeteries and mortuaries Restricted Assets Mortgage loans on real estate Ending, Loan Loss Reserve Represents the monetary amount of Ending, Loan Loss Reserve, as of the indicated date. Loan loss reserve, Charge-offs Loan loss reserve, Charge-offs Represents the monetary amount of Loan loss reserve, Charge-offs, as of the indicated date. Short-term investments at amortized cost Represents the monetary amount of Short-term investments at amortized cost, as of the indicated date. Schedule of Mortgage Servicing Rights Represents the textual narrative disclosure of Schedule of Mortgage Servicing Rights, during the indicated time period. Schedule of Major categories of net investment income Represents the textual narrative disclosure of Schedule of Major categories of net investment income, during the indicated time period. Tables/Schedules 10) Reinsurance, Commitments and Contingencies 7): Fair Value of Financial Instruments Sale of real estate Purchase of property and equipment Purchase of property and equipment Purchase-fixed maturity securities Purchase-fixed maturity securities Cash flows from operating activities: Provision for loan losses and loss reserve Depreciation on property and equipment Mortgage fee income Represents the monetary amount of Mortgage fee income, during the indicated time period. Future life, annuity, and other benefits Total Assets Total Assets Class C Common Stock Funds reserved and accrued to settle investor related claims Represents the monetary amount of Funds reserved and accrued to settle investor related claims, as of the indicated date. Future policy benefits - annuities Represents the monetary amount of Future policy benefits - annuities, as of the indicated date. Available-for-sale Securities Shares Cancelled Represents the Shares Cancelled (number of shares), during the indicated time period. Total Residential Mortgage Total Past Due Securities on deposit for regulatory authorities Represents the monetary amount of Securities on deposit for regulatory authorities, as of the indicated date. Fixed maturity securities held to maturity: Represents the monetary amount of Fixed maturity securities held to maturity:, during the indicated time period. Residential Construction Schedule of Changes in the consolidated balance sheet line items measured using level 3 inputs Represents the textual narrative disclosure of Schedule of Changes in the consolidated balance sheet line items measured using level 3 inputs, during the indicated time period. Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis Schedule of Revenues and Expenses by Reportable Segment Represents the textual narrative disclosure of Schedule of Revenues and Expenses by Reportable Segment, during the indicated time period. Available-for-sale Securities {1} Available-for-sale Securities 5) Earnings Per Share 1) Basis of Presentation Equity Component Retained Earnings Statements of Stockholders' Equity Interest expense Insurance premiums and other considerations Common Stock Issued Treasury stock at cost - 884,375 Class A shares in 2015 and 986,264 Class A shares in 2014 Treasury stock at cost - 884,375 Class A shares in 2015 and 986,264 Class A shares in 2014 Additional paid-in capital Mortgage loans sold to investors Document Fiscal Period Focus Amortization {1} Amortization Represents the monetary amount of Amortization, as of the indicated date. Commitments to fund new residential construction loans funded Represents the monetary amount of Commitments to fund new residential construction loans funded, as of the indicated date. Fair Value of Liability Derivatives, Total Represents the monetary amount of Fair Value of Liability Derivatives, Total, as of the indicated date. Carrying Value Represents the monetary amount of Carrying Value, as of the indicated date. Bank Loan Interest Rate Swaps SegmentReportingInformationIncomeLossBeforeIncomeTaxes Represents the monetary amount of SegmentReportingInformationIncomeLossBeforeIncomeTaxes, during the indicated time period. Diluted weighted-average shares outstanding Net Mortgage Loans Represents the monetary amount of Net Mortgage Loans, during the indicated time period. Policy, Student and other loans Due after 2024 Loans held for sale allowance for doubtful accounts Represents the monetary amount of Loans held for sale allowance for doubtful accounts, as of the indicated date. Common Stock Schedule of Derivative Assets at Fair Value Held-to-maturity Securities {2} Held-to-maturity Securities Scenario [Axis] 6) Business Segments Notes Cash received from reinsurance Represents the monetary amount of CashReceivedFromReinsurance, during the indicated time period. Payments received for mortgage, policy and other loans Securities available for sale: Net unrealized gains (losses) on available for sale securities Weighted-average Class A equivalent common shares outstanding-assuming dilution (1) Benefits and expenses: Other than temporary impairments on investments Other than temporary impairments on investments Total stockholders' equity Receivables, net Class B Common Stock Entity Voluntary Filers TaxEffect-GainLossOnDerivatives Represents the monetary amount of TaxEffect-GainLossOnDerivatives, during the indicated time period. Fair Value of Liability Derivatives, Call Options Represents the monetary amount of Fair Value of Liability Derivatives, Call Options, as of the indicated date. OtherLoansMember Assets accounted for at fair value on a nonrecurring basis - Mortgage servicing rights Represents the monetary amount of Assets accounted for at fair value on a nonrecurring basis - Mortgage servicing rights, as of the indicated date. Derivatives - interest rate lock commitments Represents the monetary amount of Derivatives - interest rate lock commitments, as of the indicated date. Per Share Shares Granted Represents the per-share monetary value of Per Share Shares Granted, during the indicated time period. Credit Quality Indicator Past due 90 or more days Gross Realized Gains Represents the monetary amount of Gross Realized Gains, during the indicated time period. AvailableForSaleSecuritiesGrossUnrealizedLosses AvailableForSaleSecuritiesGrossUnrealizedLosses Represents the monetary amount of AvailableForSaleSecuritiesGrossUnrealizedLosses, as of the indicated date. Financial Instrument [Axis] Held-to-maturity Securities, Unrecognized Holding Loss Held-to-maturity Securities, Unrecognized Holding Loss Schedule of Impaired Mortgage Loans Represents the textual narrative disclosure of Schedule of Impaired Mortgage Loans, during the indicated time period. Fixed Maturities Accounting Policy Non Cash Investing and Financing Activities Net change in cash and cash equivalents Net change in cash and cash equivalents Net cash provided by financing activities Net cash provided by financing activities Mortgage, policy, and other loans made Mortgage, policy, and other loans made Net earnings per Class A Equivalent common share-assuming dilution (1) Revenues: Common Stock Authorized Assets accounted for at fair value on non-recurring basis Policyholder Account Balances Trading Securities, Equity Assets, Fair Value Disclosure SegmentReportingInformationIntersegmentRevenue Represents the monetary amount of SegmentReportingInformationIntersegmentRevenue, during the indicated time period. Weighted average contractual term of options outstanding Represents the description of Weighted average contractual term of options outstanding, during the indicated time period. Shares, Outstanding Employee Service Share-based Compensation, Allocation of Recognized Period Costs, Capitalized Amount Impaired Financing Receivable, Related Allowance Mortgage loans Mortgage loans Represents the monetary amount of Mortgage loans, as of the indicated date. Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment Gain (Loss) on Investments, Including Marketable Securities and Investments Held at Cost, Categories of Investments Due in 2015 Contractual Maturity [Axis] Other than Temporary Impairment Losses, Investments, Portion Recognized in Earnings, Net, Available-for-sale Securities Mortgage loans on real estate and construction Represents the monetary amount of Mortgage loans on real estate and construction, as of the indicated date. Gain (Loss) on Investments {1} Gain (Loss) on Investments Equity Securities Sales of short-term investments Conversion Class C to Class A Represents the monetary amount of ConversionClassCToClassA, during the indicated time period. Receivable from reinsurers Represents the monetary amount of Receivable from reinsurers, as of the indicated date. Accrued investment income Mortgage loans on real estate and construction loans, held for investment net of allowances for loan losses of $1,856,694 and $2,003,055 for 2015 and 2014 EX-101.PRE 13 snfca-20150930_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE XML 14 R39.htm IDEA: XBRL DOCUMENT v3.3.0.814
7): Fair Value of Financial Instruments: Schedule of Financial Instruments Carried at Other Than Fair Value (Tables)
 9 Months Ended
Sep. 30, 2015
Tables/Schedules  
Schedule of Financial Instruments Carried at Other Than Fair Value

 

 

Carrying Value

 

Level 1

 

Level 2

 

Level 3

 

Total Estimated Fair Value

Assets

Mortgage loans:

Residential

 $       46,506,794

 $             -

 $             -

 $       49,579,568

 $       49,579,568

Residential construction

          28,762,546

                -

                -

          28,762,546

          28,762,546

Commercial

          36,413,914

                -

                -

          38,062,674

          38,062,674

Mortgage loans, net

 $     111,683,254

 $             -

 $             -

 $     116,404,788

 $     116,404,788

Policy loans

            7,038,768

                -

                -

            7,038,768

            7,038,768

Other loans

          27,422,787

                -

                -

          27,422,787

          27,422,787

Short-term investments

          19,980,369

                -

                -

          19,980,369

          19,980,369

Liabilities

Bank and other loans payable

 $     (39,535,964)

 $             -

 $             -

 $     (39,535,964)

 $     (39,535,964)

 

The carrying values and estimated fair values for such financial instruments, and their corresponding placement in the fair value hierarchy, are summarized as follows as of December 31, 2014:

 

 

Carrying Value

 

Level 1

 

Level 2

 

Level 3

 

Total Estimated Fair Value

Assets

Mortgage loans:

Residential

 $       51,876,621

 $             -

 $             -

 $       55,247,638

 $       55,247,638

Residential construction

          32,971,824

                -

                -

          32,971,824

          32,971,824

Commercial

          35,201,627

                -

                -

          36,829,266

          36,829,266

Mortgage loans, net

 $     120,050,072

 $             -

 $             -

 $     125,048,728

 $     125,048,728

Policy loans

            7,011,012

                -

                -

            7,011,012

            7,011,012

Other loans

          27,114,416

                -

                -

          27,114,416

          27,114,416

Short-term investments

          27,059,495

                -

                -

          27,059,495

          27,059,495

Liabilities

Bank and other loans payable

 $     (28,989,008)

 $             -

 $             -

 $     (28,989,008)

 $     (28,989,008)
XML 15 R54.htm IDEA: XBRL DOCUMENT v3.3.0.814
3) Investments: Mortgage Loans - Additional (Details) - USD ($)
Sep. 30, 2015
Dec. 31, 2014
Details    
Mortgage loans on real estate balances, net of allowance for losses $ 1,856,694 $ 2,003,055
XML 16 R48.htm IDEA: XBRL DOCUMENT v3.3.0.814
3) Investments: Equity Securities - Additional (Details) - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Sep. 30, 2015
Sep. 30, 2014
Dec. 31, 2014
Average Market Value of Security over initial investment 74.50%   74.50%   77.60%
Equity Securities          
Other than Temporary Impairment Losses, Investments, Portion Recognized in Earnings, Net, Available-for-sale Securities $ 26,290 $ 0 $ 77,497 $ 0  
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9) Derivative Commitments (Details) - USD ($)
Sep. 30, 2015
Dec. 31, 2014
Details    
Fair value of outstanding call options $ 110,399 $ 127,903

XML 19 R55.htm IDEA: XBRL DOCUMENT v3.3.0.814
3) Investments: Schedule of Allowance for loan losses as a contra-asset account (Details) - USD ($)
 9 Months Ended 12 Months Ended
Sep. 30, 2015
Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses, Beginning Balance $ 2,003,055 $ 1,652,090
Allowance for credit losses, Charge-offs   (38,444)
Allowance for credit losses, Provision (146,361) 389,409
Financing Receivable, Allowance for Credit Losses, Ending Balance 1,856,694 2,003,055
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 198,818 153,446
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 1,657,877 1,849,609
Mortgage loans 113,539,948 122,053,127
Financing Receivable, Individually Evaluated for Impairment 2,989,318 1,970,681
Financing Receivable, Collectively Evaluated for Impairment 110,550,631 120,082,446
Commercial Loan    
Financing Receivable, Allowance for Credit Losses, Beginning Balance 187,129 187,129
Financing Receivable, Allowance for Credit Losses, Ending Balance 187,129 187,129
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 187,129 187,129
Mortgage loans 36,601,043 35,388,756
Financing Receivable, Collectively Evaluated for Impairment 36,601,043 35,388,756
Residential Mortgage    
Financing Receivable, Allowance for Credit Losses, Beginning Balance 1,715,812 1,364,847
Allowance for credit losses, Charge-offs   (38,444)
Allowance for credit losses, Provision (146,361) 389,409
Financing Receivable, Allowance for Credit Losses, Ending Balance 1,569,451 1,715,812
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 198,818 153,446
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 1,370,634 1,562,366
Mortgage loans 48,076,245 53,592,433
Financing Receivable, Individually Evaluated for Impairment 2,989,318 1,556,182
Financing Receivable, Collectively Evaluated for Impairment 45,086,928 52,036,251
Residential Construction    
Financing Receivable, Allowance for Credit Losses, Beginning Balance 100,114 100,114
Financing Receivable, Allowance for Credit Losses, Ending Balance 100,114 100,114
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 100,114 100,114
Mortgage loans 28,862,660 33,071,938
Financing Receivable, Individually Evaluated for Impairment   414,499
Financing Receivable, Collectively Evaluated for Impairment $ 28,862,660 $ 32,657,439
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3) Investments: Schedule of Unrealized Loss on Investments (Details)
 9 Months Ended 12 Months Ended
Sep. 30, 2015
USD ($)
Dec. 31, 2014
USD ($)
Held-to-maturity Securities, Unrecognized Holding Loss $ 3,514,692 $ 997,529
Fair Value 5,525,714 2,839,131
US States and Political Subdivisions Debt Securities    
Held-to-maturity Securities, Unrecognized Holding Loss 2,624 5,278
Corporate Debt Securities    
Held-to-maturity Securities, Unrecognized Holding Loss 3,505,213 980,357
Collateralized Mortgage Backed Securities    
Held-to-maturity Securities, Unrecognized Holding Loss 6,855 11,894
Industrial, miscellaneous and all other equity securities    
AvailableForSaleSecuritiesGrossUnrealizedLosses 1,892,383 820,133
Equity Securities    
AvailableForSaleSecuritiesGrossUnrealizedLosses 1,892,383 820,133
Less than 12 months    
Held-to-maturity Securities, Unrecognized Holding Loss $ 2,805,056 $ 552,276
No. of Investment Positions 76 22
Held-to-maturity Securities, Fair Value $ 23,917,114 $ 7,081,352
Fair Value $ 4,723,167 2,162,425
Less than 12 months | US States and Political Subdivisions Debt Securities    
No. of Investment Positions 0  
Less than 12 months | Corporate Debt Securities    
Held-to-maturity Securities, Unrecognized Holding Loss $ 2,798,201 $ 548,310
No. of Investment Positions 74 21
Less than 12 months | Collateralized Mortgage Backed Securities    
Held-to-maturity Securities, Unrecognized Holding Loss $ 6,855 $ 3,966
No. of Investment Positions 2 1
Less than 12 months | U.S. Treasury Securities    
No. of Investment Positions   0
Less than 12 months | Industrial, miscellaneous and all other equity securities    
No. of Investment Positions 273 138
AvailableForSaleSecuritiesGrossUnrealizedLosses $ 973,583 $ 327,389
Less than 12 months | Equity Securities    
No. of Investment Positions 273 138
AvailableForSaleSecuritiesGrossUnrealizedLosses $ 973,583 $ 327,389
More than 12 months    
Held-to-maturity Securities, Unrecognized Holding Loss $ 709,636 $ 445,253
No. of Investment Positions 13 13
Held-to-maturity Securities, Fair Value $ 2,327,984 $ 2,777,587
Fair Value 802,547 676,706
More than 12 months | US States and Political Subdivisions Debt Securities    
Held-to-maturity Securities, Unrecognized Holding Loss $ 2,624  
No. of Investment Positions 1  
More than 12 months | Corporate Debt Securities    
Held-to-maturity Securities, Unrecognized Holding Loss $ 707,012 $ 432,047
No. of Investment Positions 12 11
More than 12 months | Collateralized Mortgage Backed Securities    
Held-to-maturity Securities, Unrecognized Holding Loss   $ 7,928
No. of Investment Positions 0 1
More than 12 months | U.S. Treasury Securities    
Held-to-maturity Securities, Unrecognized Holding Loss   $ 5,278
No. of Investment Positions   1
More than 12 months | Industrial, miscellaneous and all other equity securities    
No. of Investment Positions 66 27
AvailableForSaleSecuritiesGrossUnrealizedLosses $ 918,800 $ 492,744
More than 12 months | Equity Securities    
No. of Investment Positions 66 27
AvailableForSaleSecuritiesGrossUnrealizedLosses $ 918,800 $ 492,744
Total    
Held-to-maturity Securities, Unrecognized Holding Loss 3,514,692 997,529
Held-to-maturity Securities, Fair Value 26,245,098 9,858,939
Total | US States and Political Subdivisions Debt Securities    
Held-to-maturity Securities, Unrecognized Holding Loss 2,624  
Total | Corporate Debt Securities    
Held-to-maturity Securities, Unrecognized Holding Loss 3,505,213 980,357
Total | Collateralized Mortgage Backed Securities    
Held-to-maturity Securities, Unrecognized Holding Loss $ 6,855 11,894
Total | U.S. Treasury Securities    
Held-to-maturity Securities, Unrecognized Holding Loss   $ 5,278

XML 22 R33.htm IDEA: XBRL DOCUMENT v3.3.0.814
4) Stock-based Compensation: Schedule of stock inventive plan changes (Tables)
 9 Months Ended
Sep. 30, 2015
Tables/Schedules  
Schedule of stock inventive plan changes

 

Number of Class A Shares

Weighted Average Exercise Price

 

Number of Class C Shares

Weighted Average Exercise Price

Outstanding at December 31, 2014

         512,795

$      3.20

         691,591

$      2.00

Granted

                    -

 

                    -

 

Exercised

         (23,820)

         1.85

       (114,023)

         2.14

Cancelled

           (8,846)

         2.31

                    -

 

Outstanding at September 30, 2015

         480,129

$      3.28

         577,568

$      2.62

As of September 30, 2015:

Options exercisable

         447,571

$      3.17

         550,693

$      2.51

As of September 30, 2015:

Available options for future grant

         561,649

                    155,000

Weighted average contractual term of options

outstanding at September 30, 2015

7.15 years

2.41 years

Weighted average contractual term of options

exercisable at September 30, 2015

7.00 years

2.35 years

Aggregated intrinsic value of options

outstanding at September 30, 2015 (1)

$1,646,768

$2,363,921

Aggregated intrinsic value of options

exercisable at September 30, 2015 (1)

$1,583,605

$2,312,190

(1) The Company used a stock price of $6.71 as of September 30, 2015 to derive intrinsic value.

 

A summary of the status of the Company’s stock incentive plans as of September 30, 2014, and the changes during the nine months ended September 30, 2014, are presented below:

 

Number of Class A Shares

Weighted Average Exercise Price

 

Number of Class C Shares

Weighted Average Exercise Price

Outstanding at December 31, 2013

         405,133

$      2.41

         508,656

$      2.00

Granted

         52,000

         4.29

           50,000

         4.72

Exercised

         (40,468)

         1.66

                    -

Cancelled

           (8,201)

         2.29

                    -

Outstanding at September 30, 2014

         408,464

$      2.75

         558,656

$      2.25

As of September 30, 2014:

Options exercisable

         334,869

$      2.40

         495,532

$      1.92

As of September 30, 2014:

Available options for future grant

         412,480

         55,000

Weighted average contractual term of options

outstanding at September 30, 2014

7.01 years

2.57 years

Weighted average contractual term of options

exercisable at September 30, 2014

6.45 years

1.80 years

Aggregated intrinsic value of options

outstanding at September 30, 2014 (1)

$913,166

$1,524,902

Aggregated intrinsic value of options

exercisable at September 30, 2014 (1)

$869,804

$1,512,402

(1) The Company used a stock price of $4.97 as of September 30, 2014 to derive intrinsic value.

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10) Reinsurance, Commitments and Contingencies: Mortgage Loan Loss Settlements (Details) - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Sep. 30, 2015
Sep. 30, 2014
Dec. 31, 2014
Details          
Amounts accrued for loan losses $ 1,755,000 $ 1,063,000 $ 4,674,000 $ 2,007,000  
Funds reserved and accrued to settle investor related claims $ 5,751,000   $ 5,751,000   $ 1,718,000
XML 25 R57.htm IDEA: XBRL DOCUMENT v3.3.0.814
3) Investments: Schedule of Impaired Mortgage Loans (Details) - USD ($)
 9 Months Ended 12 Months Ended
Sep. 30, 2015
Dec. 31, 2014
Residential Mortgage    
Impaired Financing Receivable, with Related Allowance, Recorded Investment $ 2,989,318 $ 1,556,182
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance 2,989,318 1,556,182
Impaired Financing Receivable, Related Allowance 198,818 153,446
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment 2,989,318 1,556,182
Total Residential Mortgage    
Impaired Financing Receivable, with Related Allowance, Recorded Investment 2,989,318 1,556,182
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance 2,989,318 1,556,182
Impaired Financing Receivable, Related Allowance 198,818 153,446
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment $ 2,989,318 1,556,182
Residential Construction    
Impaired Financing Receivable, with Related Allowance, Recorded Investment   414,499
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance   414,499
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment   414,499
Impaired Financing Receivable, with No Related Allowance, Recorded Investment   414,499
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment   $ 414,499
XML 26 R76.htm IDEA: XBRL DOCUMENT v3.3.0.814
12) Mergers, Acquisitions and Dispositions Disclosures: Schedule of pro forma financial information (Details) - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Sep. 30, 2015
Sep. 30, 2014
Details        
Business Acquisition, Pro Forma Revenue $ 75,494,686 $ 61,725,792 $ 215,584,933 $ 168,522,777
Business Acquisition, Pro Forma Net Income (Loss) $ 4,889,785 $ 2,137,822 $ 10,605,767 $ 5,142,490
Business Acquisition, Pro Forma Earnings Per Share, Basic $ 0.37 $ 0.17 $ 0.81 $ 0.41
Business Acquisition, Pro Forma Earnings Per Share, Diluted $ 0.35 $ 0.17 $ 0.78 $ 0.40
XML 27 R71.htm IDEA: XBRL DOCUMENT v3.3.0.814
9) Derivative Commitments: Schedule of Derivative Assets at Fair Value (Details) - USD ($)
Sep. 30, 2015
Dec. 31, 2014
Details    
Fair Value of Asset Derivatives, Interest rate lock and forward sales commitments $ 4,756,170 $ 2,111,529
Fair Value of Liability Derivatives, Interest rate lock and forward sales commitments 518,227 181,678
Fair Value of Liability Derivatives, Call Options 6,715 116,036
Fair Value of Liability Derivatives, Put Options 103,684 11,867
Fair Value of Liability Derivatives, Interest Rate Swaps   31,370
Fair Value of Asset Derivatives, Total 4,756,170 2,111,529
Fair Value of Liability Derivatives, Total $ 628,626 $ 340,951
XML 28 R25.htm IDEA: XBRL DOCUMENT v3.3.0.814
3) Investments: Schedule of Unrealized Loss on Investments (Tables)
 9 Months Ended
Sep. 30, 2015
Fixed Maturities  
Schedule of Unrealized Loss on Investments

 

 

Unrealized Losses for Less than Twelve Months

 

No. of Investment Positions

 

Unrealized Losses for More than Twelve Months

 

No. of Investment Positions

 

Total Unrealized Loss

At June 30, 2015

 

 

 

 

 

Obligations of states and political subdivisions

 $                    -

0

 $          2,624

1

 $            2,624

Corporate securities including public utilities

        2,798,201

74

         707,012

12

        3,505,213

Mortgage-backed securities

               6,855

2

                     -

0

               6,855

Total unrealized losses

 $     2,805,056

76

 $      709,636

13

 $     3,514,692

Fair Value

$   23,917,114

$   2,327,984

$   26,245,098

At December 31, 2014

Obligations of states and political subdivisions

 $                -

0

 $       5,278

1

 $         5,278

Corporate securities including public utilities

           548,310

21

         432,047

11

           980,357

Mortgage-backed securities

               3,966

1

             7,928

1

             11,894

Total unrealized losses

 $      552,276

22

 $   445,253

13

 $     997,529

Fair Value

$  7,081,352

$ 2,777,587

$  9,858,939

Equity Securities  
Schedule of Unrealized Loss on Investments

 

 

 

 

Unrealized Losses for Less than Twelve Months

 

No. of Investment Positions

 

Unrealized Losses for More than Twelve Months

 

No. of Investment Positions

 

Total Unrealized Losses

At September 30, 2015

 

 

 

 

 

Industrial, miscellaneous and all other

 $      973,583

273

 $      918,800

66

 $   1,892,383

Total unrealized losses

 $      973,583

273

 $      918,800

66

 $   1,892,383

Fair Value

$   4,723,167

$      802,547

$   5,525,714

At December 31, 2014

Industrial, miscellaneous and all other

 $      327,389

138

 $   492,744

27

 $      820,133

Total unrealized losses

 $      327,389

138

 $   492,744

27

 $      820,133

Fair Value

$   2,162,425

$   676,706

$   2,839,131

XML 29 R50.htm IDEA: XBRL DOCUMENT v3.3.0.814
3) Investments: Gain (Loss) on Investments (Details) - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Sep. 30, 2015
Sep. 30, 2014
Fixed maturity securities held to maturity: $ 1,296,488 $ 46,134 $ 2,106,121 $ 524,979
Held-to-maturity Securities        
Gross Realized Gains 15,279 211,403 374,337 258,951
Gross Realized Losses (22,796) (66,459) (82,166) (68,742)
Other than Temporary Impairments (30,000) (30,000) (90,000) (90,000)
Available-for-sale Securities        
Gross Realized Gains 35,009 77,386 165,018 214,303
Gross Realized Losses (2,521) (27,651) (3,536) (38,918)
Other than Temporary Impairments (26,290)   (77,497)  
Other Assets        
Gross Realized Gains 1,731,939 352,151 2,187,271 720,082
Gross Realized Losses $ (404,132) (116,920) $ (367,306) (116,921)
Other than Temporary Impairments   $ (353,776)   $ (353,776)
XML 30 R42.htm IDEA: XBRL DOCUMENT v3.3.0.814
11) Mortgage Servicing Rights: Schedule of Mortgage Servicing Rights (Tables)
 9 Months Ended
Sep. 30, 2015
Tables/Schedules  
Schedule of Mortgage Servicing Rights

 

As of September 30 2015

As of December 31 2014

Amortized cost:

Balance before valuation allowance at beginning of year

 $           7,834,747

 $          4,844,101

MSRs proceeds from loan sales

              4,674,218

             3,741,381

Amortization

               (934,626)

              (750,735)

Application of valuation allowance to write down MSRs with other than temporary impairment

                           -

                         -

Balance before valuation allowance at year end

 $          11,574,339

 $          7,834,747

Valuation allowance for impairment of MSRs:

Balance at beginning of year

 $                        -

 $                       -

Additions

                           -

                         -

Application of valuation allowance to write down MSRs    with other than temporary impairment

                           -

                         -

Balance at end of period

 $                        -

 $                       -

Mortgage servicing rights, net

 $          11,574,339

 $          7,834,747

Estimated fair value of MSRs at end of period

 $          12,093,178

 $          8,485,570

XML 31 R75.htm IDEA: XBRL DOCUMENT v3.3.0.814
11) Mortgage Servicing Rights: Schedule of Mortgage Servicing Rights (Details) - USD ($)
Sep. 30, 2015
Dec. 31, 2014
Details    
Balance before valuation allowance at beginning of year $ 7,834,747 $ 4,844,101
MSRs proceeds from loan sales 4,674,218 3,741,381
Amortization (934,626) (750,735)
Balance before valuation allowance at year end 11,574,339 7,834,747
Mortgage servicing rights, net 11,574,339 7,834,747
Estimated fair value of MSRs at end of period $ 12,093,178 $ 8,485,570
XML 32 R37.htm IDEA: XBRL DOCUMENT v3.3.0.814
7): Fair Value of Financial Instruments: Schedule of Changes in the consolidated balance sheet line items measured using level 3 inputs (Tables)
 9 Months Ended
Sep. 30, 2015
AsOfSeptember302015Member  
Schedule of Changes in the consolidated balance sheet line items measured using level 3 inputs

Following is a summary of changes in the condensed consolidated balance sheet line items measured using level 3 inputs:

 

 

Policyholder Account Balances

Future Policy Benefits - Annuities

Interest Rate Lock Commitments

Bank Loan Interest Rate Swaps

Balance - December 31, 2014

 $         (45,310,699)

 $    (65,540,985)

 $         1,929,851

 $         (31,370)

Total gains (losses):

Included in earnings

              (5,604,844)

           2,251,316

                           -

                        -

Included in other comprehensive income (loss)

                           -

                     -

        2,308,092

          31,370

Balance - September 30, 2015

 $         (50,915,543)

 $    (63,289,669)

 $         4,237,943

 $                     -

XML 33 R52.htm IDEA: XBRL DOCUMENT v3.3.0.814
3) Investments: Schedule of Major categories of net investment income (Details) - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Sep. 30, 2015
Sep. 30, 2014
Gross investment income $ 11,147,666 $ 10,478,118 $ 32,725,159 $ 27,485,654
Investment Income, Investment Expense (2,715,252) (2,286,156) (7,879,228) (6,943,905)
Net Investment Income 8,432,414 8,191,962 24,845,931 20,541,749
Fixed Maturities        
Gross investment income 2,014,014 2,036,407 6,139,698 6,212,852
Equity Securities        
Gross investment income 61,238 73,110 175,954 163,109
Mortgage loans on real estate        
Gross investment income 1,754,852 2,216,711 5,396,016 5,605,882
Real Estate        
Gross investment income 2,320,242 2,125,374 6,674,594 6,416,939
Policy, Student and other loans        
Gross investment income 219,916 195,138 597,101 574,393
Short-term investments, principally gains on sale of mortgage loans        
Gross investment income $ 4,777,404 $ 3,831,378 $ 13,741,796 $ 8,512,479
XML 34 R67.htm IDEA: XBRL DOCUMENT v3.3.0.814
7): Fair Value of Financial Instruments: Schedule of Fair Value Measurements, Nonrecurring (Details) - USD ($)
Sep. 30, 2015
Dec. 31, 2014
Assets accounted for at fair value on a nonrecurring basis - Mortgage servicing rights $ 4,674,218  
Mortgage loans on real estate 320,000  
Assets accounted for at fair value on a nonrecurring basis 4,994,218  
Assets accounted for at fair value on non-recurring basis    
Mortgage servicing rights   $ 3,741,381
Real estate held for investment   53,500
Assets, Fair Value Disclosure, Nonrecurring   3,794,881
Fair Value, Inputs, Level 3    
Assets accounted for at fair value on a nonrecurring basis - Mortgage servicing rights 4,674,218  
Mortgage loans on real estate 320,000  
Assets accounted for at fair value on a nonrecurring basis $ 4,994,218  
Assets accounted for at fair value on non-recurring basis    
Mortgage servicing rights   3,741,381
Real estate held for investment   53,500
Assets, Fair Value Disclosure, Nonrecurring   $ 3,794,881
XML 35 R61.htm IDEA: XBRL DOCUMENT v3.3.0.814
4) Stock-based Compensation: Schedule of stock inventive plan changes (Details) - USD ($)
 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Dec. 31, 2014
Dec. 31, 2013
Class A Common Stock        
Shares, Outstanding 480,129 408,464 512,795 405,133
Shares outstanding $ 3.28 $ 2.75 $ 3.20 $ 2.41
Shares Granted   52,000    
Per Share Shares Granted   $ 4.29    
Shares Exercised (23,820) (40,468)    
Per Share Shares Exercised $ 1.85 $ 1.66    
Shares Cancelled (8,846) (8,201)    
Per Share Shares cancelled $ 2.31 $ 2.29    
Options Exercisable 447,571 334,869    
Options exercisable $ 3.17 $ 2.40    
Available options for future grant $ 561,649 $ 412,480    
Weighted average contractual term of options outstanding 7.15 years 7.01 years    
Weighted average contractual term of options exercisable 7.00 years 6.45 years    
Aggregated intrinsic value of options outstanding $ 1,646,768 $ 913,166    
Aggregated intrinsic value of options exercisable $ 1,583,605 $ 869,804    
Class C Common Stock        
Shares, Outstanding 577,568 558,656 691,591 508,656
Shares outstanding $ 2.62 $ 2.25 $ 2.00 $ 2.00
Shares Granted   50,000    
Per Share Shares Granted   $ 4.72    
Shares Exercised (114,023)      
Per Share Shares Exercised $ 2.14      
Options Exercisable 550,693 495,532    
Options exercisable $ 2.51 $ 1.92    
Available options for future grant $ 155,000 $ 55,000    
Weighted average contractual term of options outstanding 2.41 years 2.57 years    
Weighted average contractual term of options exercisable 2.35 years 1.80 years    
Aggregated intrinsic value of options outstanding $ 2,363,921 $ 1,524,902    
Aggregated intrinsic value of options exercisable $ 2,312,190 $ 1,512,402    
XML 36 R47.htm IDEA: XBRL DOCUMENT v3.3.0.814
3) Investments (Details) - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Sep. 30, 2015
Sep. 30, 2014
Dec. 31, 2014
Average market value over amortized cost 88.20%   88.20%   90.80%
Other than Temporary Impairment, Credit Losses Recognized in Earnings, Period Increase (Decrease) $ 30,000 $ 30,000 $ 90,000 $ 90,000  
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest 5,261,896   5,261,896   $ 7,500,477
Beginning, Loan Loss Reserve 1,718,150   1,718,150   5,506,532
Loan loss reserve, Provisions for losses 4,673,991   4,673,991   3,053,403
Loan loss reserve, Charge-offs (640,990)   (640,990)   (6,841,785)
Ending, Loan Loss Reserve 5,751,151   5,751,151   1,718,150
Residential Mortgage          
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest 5,197,001   5,197,001   7,021,083
Residential Construction          
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest $ 64,895   $ 64,895   $ 479,394
XML 37 R9.htm IDEA: XBRL DOCUMENT v3.3.0.814
2) Recent Accounting Pronouncements
 9 Months Ended
Sep. 30, 2015
Notes  
2) Recent Accounting Pronouncements

2)      Recent Accounting Pronouncements

 

Accounting Standards Update (“ASU”) No. 2014-11: "Transfers and Servicing - Repurchase to Maturity Transactions, Repurchase Financings, and Disclosures (Topic 860)" – Issued in June 2014, ASU 2014-11 aligns the accounting for repurchase to maturity transactions and repurchase agreements executed as a repurchase financing with the accounting for other typical repurchase agreements. Going forward, these transactions would all be accounted for as secured borrowings. The new authoritative guidance is effective for the first interim or annual period beginning after December 15, 2014. In addition the disclosure of certain transactions accounted for as a sale is effective for the first interim or annual period beginning on or after December 15, 2014, and the disclosure for transactions accounted for as secured borrowings is required for annual periods beginning after December 15, 2014, and interim periods beginning after March 15, 2015. This new guidance has not and will not have a significant impact on the Company’s results of operations or financial position.

 

ASU No. 2014-09: “Revenue from Contracts with Customers (Topic 606)” - Issued in May 2014, ASU 2014-09 supersedes the revenue recognition requirements in ASC Topic 605, “Revenue Recognition”, and requires entities to recognize revenue in a way that depicts 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. Insurance contracts are excluded from the scope of this new guidance. The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2017. The Company is in the process of evaluating the potential impact of this standard, which is not expected to be material to the Company’s results of operations or financial position.

 

The Company has reviewed other recent accounting pronouncements and has determined that they will not significantly impact the Company’s results of operations or financial position.
XML 38 R62.htm IDEA: XBRL DOCUMENT v3.3.0.814
5) Earnings Per Share: Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Sep. 30, 2015
Sep. 30, 2014
Details        
Net earnings $ 4,889,785 $ 2,137,822 $ 10,605,767 $ 4,900,733
Weighted-average Class A equivalent common share outstanding (1) 13,146,617 12,455,314 13,023,962 12,487,646
GrantOfEmployeeStockOptions $ 628,485 $ 469,451 $ 574,224 $ 443,704
Diluted weighted-average shares outstanding 13,775,102 12,924,765 13,598,186 12,931,350
Net earnings per Class A Equivalent common share (1) $ 0.37 $ 0.17 $ 0.81 $ 0.39
Net earnings per Class A Equivalent common share-assuming dilution (1) $ 0.35 $ 0.17 $ 0.78 $ 0.38
XML 39 R43.htm IDEA: XBRL DOCUMENT v3.3.0.814
12) Mergers, Acquisitions and Dispositions Disclosures: Schedule of pro forma financial information (Tables)
 9 Months Ended
Sep. 30, 2015
Tables/Schedules  
Schedule of pro forma financial information

 

For the Three Months Ended September 30 (unaudited)

For the Nine Months Ended September 30 (unaudited)

2015

2014

2015

2014

Total revenues

 $   75,494,686

 $  61,725,792

 $ 215,584,933

 $ 168,522,777

Net earnings

 $     4,889,785

 $    2,137,822

 $   10,605,767

 $    5,142,490

Net earnings per Class A equivalent common share

 $            0.37

 $           0.17

 $            0.81

 $            0.41

Net earnings per Class A equivalent common share

assuming dilution

 $            0.35

 $           0.17

 $            0.78

 $            0.40

XML 40 R29.htm IDEA: XBRL DOCUMENT v3.3.0.814
3) Investments: Schedule of Allowance for loan losses as a contra-asset account (Tables)
 9 Months Ended
Sep. 30, 2015
Tables/Schedules  
Schedule of Allowance for loan losses as a contra-asset account

 

Allowance for Credit Losses and Recorded Investment in Mortgage Loans

 

 

Commercial

Residential

Residential Construction

Total

September 30, 2015

Allowance for credit losses:

 

 

 

 

 

 

 

 

Beginning balance - January 1, 2015

 $        187,129

 $     1,715,812

 $        100,114

 $     2,003,055

   Charge-offs

                       -

                       -

                       -

                       -

   Provision

                       -

          (146,361)

                       -

          (146,361)

Ending balance -September 30, 2015

 $        187,129

 $     1,569,451

 $        100,114

 $     1,856,694

Ending balance: individually evaluated for impairment

 $                    -

 $        198,818

 $                    -

 $        198,818

Ending balance: collectively evaluated for impairment

 $        187,129

 $     1,370,634

 $        100,114

 $     1,657,877

Ending balance: loans acquired with deteriorated credit quality

 $                    -

 $                    -

 $                    -

 $                    -

Mortgage loans:

Ending balance

 $   36,601,043

 $   48,076,245

 $   28,862,660

 $ 113,539,948

Ending balance: individually evaluated for impairment

 $                    -

 $     2,989,318

 $                    -

 $     2,989,318

Ending balance: collectively evaluated for impairment

 $   36,601,043

 $   45,086,928

 $   28,862,660

 $ 110,550,631

Ending balance: loans acquired with deteriorated credit quality

 $                    -

 $                    -

 $                    -

 $                    -

December 31, 2014

Allowance for credit losses:

Beginning balance - January 1, 2014

 $        187,129

 $     1,364,847

 $        100,114

 $     1,652,090

   Charge-offs

                       -

            (38,444)

                       -

            (38,444)

   Provision

                       -

           389,409

                       -

           389,409

Ending balance - December 31, 2014

 $        187,129

 $     1,715,812

 $        100,114

 $     2,003,055

Ending balance: individually evaluated for impairment

 $                    -

 $        153,446

 $                    -

 $        153,446

Ending balance: collectively evaluated for impairment

 $        187,129

 $     1,562,366

 $        100,114

 $     1,849,609

Ending balance: loans acquired with deteriorated credit quality

 $                    -

 $                    -

 $                    -

 $                    -

Mortgage loans:

Ending balance

 $   35,388,756

 $   53,592,433

 $   33,071,938

 $ 122,053,127

Ending balance: individually evaluated for impairment

 $                    -

 $     1,556,182

 $        414,499

 $     1,970,681

Ending balance: collectively evaluated for impairment

 $   35,388,756

 $   52,036,251

 $   32,657,439

 $ 120,082,446

Ending balance: loans acquired with deteriorated credit quality

 $                    -

 $                    -

 $                    -

 $                    -

XML 41 R28.htm IDEA: XBRL DOCUMENT v3.3.0.814
3) Investments: Schedule of Major categories of net investment income (Tables)
 9 Months Ended
Sep. 30, 2015
Tables/Schedules  
Schedule of Major categories of net investment income

 

Three Months Ended September 30

Nine Months Ended September 30

2015

2014

2015

2014

Fixed maturity securities

 $     2,014,014

 $     2,036,407

 $     6,139,698

 $     6,212,852

Equity securities

            61,238

            73,110

          175,954

          163,109

Mortgage loans on real estate

        1,754,852

        2,216,711

        5,396,016

        5,605,882

Real estate

        2,320,242

        2,125,374

        6,674,594

        6,416,939

Policy loans

          219,916

          195,138

          597,101

          574,393

Short-term investments,  principally gains on sale of mortgage loans and other

        4,777,404

        3,831,378

      13,741,796

        8,512,479

Gross investment income

      11,147,666

      10,478,118

      32,725,159

      27,485,654

Investment expenses

      (2,715,252)

      (2,286,156)

      (7,879,228)

      (6,943,905)

Net investment income

 $     8,432,414

 $     8,191,962

 $   24,845,931

 $   20,541,749

XML 42 R56.htm IDEA: XBRL DOCUMENT v3.3.0.814
3) Investments: Schedule of aging of mortgage loans (Details) - USD ($)
 9 Months Ended 12 Months Ended
Sep. 30, 2015
Dec. 31, 2014
Mortgage Loans during period $ 113,539,948 $ 122,053,127
Mortgage Loans, Allowance for Loan Losses (1,856,694) (2,003,055)
Net Mortgage Loans 111,683,254 120,050,072
Commercial Loan    
Mortgage Loans during period 36,601,043 35,388,756
Mortgage Loans, Allowance for Loan Losses (187,129) (187,129)
Net Mortgage Loans 36,413,914 35,201,627
Residential Mortgage    
Mortgage Loans during period 48,076,245 53,592,433
Mortgage Loans, Allowance for Loan Losses (1,569,451) (1,715,812)
Net Mortgage Loans 46,506,794 51,876,621
Residential Construction    
Mortgage Loans during period 28,862,660 33,071,938
Mortgage Loans, Allowance for Loan Losses (100,114) (100,114)
Net Mortgage Loans 28,762,546 32,971,824
Past due 30 to 59 days    
Mortgage Loans during period 1,183,084 1,631,142
Past due 30 to 59 days | Residential Mortgage    
Mortgage Loans during period 1,183,084 1,631,142
Past due 60 to 89 days    
Mortgage Loans during period 960,999 1,174,516
Past due 60 to 89 days | Residential Mortgage    
Mortgage Loans during period 960,999 1,174,516
Past due 90 or more days    
Mortgage Loans during period [1] 2,272,578 5,529,796
Past due 90 or more days | Residential Mortgage    
Mortgage Loans during period [1] 2,207,683 5,464,901
Past due 90 or more days | Residential Construction    
Mortgage Loans during period [1] 64,895 64,895
In Foreclosure    
Mortgage Loans during period [1] 2,989,318 1,970,681
In Foreclosure | Residential Mortgage    
Mortgage Loans during period [1] 2,989,318 1,556,182
In Foreclosure | Residential Construction    
Mortgage Loans during period [1]   414,499
Total Past Due    
Mortgage Loans during period 7,405,979 10,306,135
Total Past Due | Residential Mortgage    
Mortgage Loans during period 7,341,084 9,826,741
Total Past Due | Residential Construction    
Mortgage Loans during period 64,895 479,394
Current    
Mortgage Loans during period 106,133,969 111,746,992
Current | Commercial Loan    
Mortgage Loans during period 36,601,043 35,388,756
Current | Residential Mortgage    
Mortgage Loans during period 40,735,161 43,765,692
Current | Residential Construction    
Mortgage Loans during period $ 28,797,765 $ 32,592,544
[1] There was not any interest income recognized on loans past due greater than 90 days or in foreclosure.
XML 43 R44.htm IDEA: XBRL DOCUMENT v3.3.0.814
3) Investments: Held-to-maturity Securities (Details) - USD ($)
 9 Months Ended 12 Months Ended
Sep. 30, 2015
Dec. 31, 2014
AmortizedCost $ 133,357,324 $ 135,018,347
Held-to-maturity Securities, Unrecognized Holding Gain 12,783,012 16,736,557
Held-to-maturity Securities, Unrecognized Holding Loss (3,514,692) (997,529)
Represents the monetary amount of HeldToMaturitySecuritiesEstimatedFairValue, as of the indicated date. 142,625,644 150,757,375
US Treasury and Government    
AmortizedCost 1,860,138 1,873,146
Held-to-maturity Securities, Unrecognized Holding Gain 340,699 345,715
Represents the monetary amount of HeldToMaturitySecuritiesEstimatedFairValue, as of the indicated date. 2,200,837 2,218,861
US States and Political Subdivisions Debt Securities    
AmortizedCost 1,808,183 1,736,489
Held-to-maturity Securities, Unrecognized Holding Gain 220,697 221,893
Held-to-maturity Securities, Unrecognized Holding Loss (2,624) (5,278)
Represents the monetary amount of HeldToMaturitySecuritiesEstimatedFairValue, as of the indicated date. 2,026,256 1,953,104
Corporate Debt Securities    
AmortizedCost 126,024,969 126,533,483
Held-to-maturity Securities, Unrecognized Holding Gain 11,952,326 15,841,536
Held-to-maturity Securities, Unrecognized Holding Loss (3,505,213) (980,357)
Represents the monetary amount of HeldToMaturitySecuritiesEstimatedFairValue, as of the indicated date. 134,472,082 141,394,662
Collateralized Mortgage Backed Securities    
AmortizedCost 3,052,011 4,263,206
Held-to-maturity Securities, Unrecognized Holding Gain 241,761 305,381
Held-to-maturity Securities, Unrecognized Holding Loss (6,855) (11,894)
Represents the monetary amount of HeldToMaturitySecuritiesEstimatedFairValue, as of the indicated date. 3,286,917 4,556,693
Redeemable Preferred Stock    
AmortizedCost 612,023 612,023
Held-to-maturity Securities, Unrecognized Holding Gain 27,529 22,032
Represents the monetary amount of HeldToMaturitySecuritiesEstimatedFairValue, as of the indicated date. $ 639,552 $ 634,055
XML 44 R30.htm IDEA: XBRL DOCUMENT v3.3.0.814
3) Investments: Schedule of aging of mortgage loans (Tables)
 9 Months Ended
Sep. 30, 2015
Tables/Schedules  
Schedule of aging of mortgage loans

 

Age Analysis of Past Due Mortgage Loans

 

 30-59 Days Past Due

 60-89 Days Past Due

 Greater Than 90 Days (1)

 In Foreclosure (1)

 Total Past Due

 Current

 Total Mortgage Loans

 Allowance for Loan Losses

 Net Mortgage Loans

September 30, 2015

 

 

 

 

 

 

 

 

 

 

Commercial

 $                       -

 $                       -

 $                        -

 $                          -

 $                          -

 $     36,601,043

 $       36,601,043

 $           (187,129)

 $        36,413,914

Residential

           1,183,084

             960,999

          2,207,683

             2,989,318

             7,341,084

          40,735,161

          48,076,245

           (1,569,451)

          46,506,794

Residential   Construction

                           -

                           -

                64,895

                              -

                  64,895

        28,797,765

          28,862,660

                (100,114)

          28,762,546

Total

 $       1,183,084

 $         960,999

 $      2,272,578

 $         2,989,318

 $        7,405,979

 $    106,133,969

 $      113,539,948

 $      (1,856,694)

 $      111,683,254

December 31, 2014

Commercial

 $                       -

 $                       -

 $                        -

 $                          -

 $                          -

 $    35,388,756

 $      35,388,756

 $           (187,129)

 $       35,201,627

Residential

            1,631,142

            1,174,516

           5,464,901

              1,556,182

             9,826,741

        43,765,692

          53,592,433

            (1,715,812)

            51,876,621

Residential   Construction

                           -

                           -

                64,895

                 414,499

               479,394

        32,592,544

           33,071,938

                (100,114)

           32,971,824

Total

 $        1,631,142

 $        1,174,516

 $      5,529,796

 $          1,970,681

 $       10,306,135

 $     111,746,992

 $      122,053,127

 $     (2,003,055)

 $    120,050,072

(1)  Interest income is not recognized on loans past due greater than 90 days or in foreclosure.
XML 45 R31.htm IDEA: XBRL DOCUMENT v3.3.0.814
3) Investments: Schedule of Impaired Mortgage Loans (Tables)
 9 Months Ended
Sep. 30, 2015
Tables/Schedules  
Schedule of Impaired Mortgage Loans

 

Impaired Loans

 Recorded Investment

 Unpaid Principal Balance

 Related Allowance

 Average Recorded Investment

 Interest Income Recognized

September 30, 2015

With no related allowance recorded:

   Commercial

 $                  -

 $                   -

 $                  -

 $                  -

 $                   -

   Residential

                     -

                      -

                     -

                     -

                      -

   Residential construction

                     -

                      -

                     -

                     -

                      -

With an allowance recorded:

   Commercial

 $                  -

 $                   -

 $                  -

 $                  -

 $                   -

   Residential

       2,989,318

       2,989,318

         198,818

       2,989,318

                      -

   Residential construction

                     -

                      -

                     -

                     -

                      -

Total:

   Commercial

 $                  -

 $                   -

 $                  -

 $                  -

 $                   -

   Residential

       2,989,318

       2,989,318

         198,818

       2,989,318

                      -

   Residential construction

                     -

                      -

                     -

                     -

                      -

December 31, 2014

With no related allowance recorded:

   Commercial

 $                  -

 $                   -

 $                  -

 $                  -

 $                   -

   Residential

                     -

                      -

                     -

                     -

                      -

   Residential construction

          414,499

          414,499

                     -

          414,499

                      -

With an allowance recorded:

   Commercial

 $                  -

 $                   -

 $                  -

 $                  -

 $                   -

   Residential

      1,556,182

      1,556,182

         153,446

      1,556,182

                      -

   Residential construction

                     -

                      -

                     -

                     -

                      -

Total:

   Commercial

 $                  -

 $                   -

 $                  -

 $                  -

 $                   -

   Residential

      1,556,182

      1,556,182

         153,446

      1,556,182

                      -

   Residential construction

          414,499

          414,499

                     -

          414,499

                      -

XML 46 R8.htm IDEA: XBRL DOCUMENT v3.3.0.814
1) Basis of Presentation
 9 Months Ended
Sep. 30, 2015
Notes  
1) Basis of Presentation

1)            Basis of Presentation

 

The accompanying unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and with the instructions to Form 10 Q and Articles 8 and 10 of Regulation S X. Accordingly, they do not include all of the information and disclosures required by accounting principles generally accepted in the United States of America for complete financial statements. These financial statements should be read in conjunction with the consolidated financial statements of the Company and notes thereto for the year ended December 31, 2014, included in the Company’s Annual Report on Form 10-K (file number 000-09341). In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Operating results for the nine months ended September 30, 2015 are not necessarily indicative of the results that may be expected for the year ending December 31, 2015.

 

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 amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates.

 

The estimates susceptible to significant change are those used in determining the liability for future policy benefits and claims, those used in determining valuation allowances for mortgage loans on real estate and construction loans held for investment, those used in determining loan loss reserve, and those used in determining the estimated future costs for pre-need sales. Although some variability is inherent in these estimates, management believes the amounts provided are fairly stated in all material respects.

XML 47 R32.htm IDEA: XBRL DOCUMENT v3.3.0.814
3) Investments: Schedule Of Credit Risk Of Mortgage Loans Based On Performance Status (Tables)
 9 Months Ended
Sep. 30, 2015
Tables/Schedules  
Schedule Of Credit Risk Of Mortgage Loans Based On Performance Status:

The Company’s performing and non-performing mortgage loans were as follows:

 

Mortgage Loan Credit Exposure

Credit Risk Profile Based on Payment Activity

 Commercial

 Residential

 Residential Construction

 Total

 

September 30, 2015

December 31, 2014

September 30, 2015

December 31, 2014

September 30, 2015

December 31, 2014

September 30, 2015

December 31, 2014

Performing

 $  36,601,043

 $  35,388,756

 $  42,879,244

 $   46,571,350

 $  28,797,765

 $  32,592,544

 $  108,278,052

 $  114,552,650

Nonperforming

                             -

                              -

           5,197,001

          7,021,083

                64,895

             479,394

            5,261,896

          7,500,477

Total

 $  36,601,043

 $  35,388,756

 $  48,076,245

 $  53,592,433

 $  28,862,660

 $   33,071,938

 $   113,539,948

 $  122,053,127

XML 48 R40.htm IDEA: XBRL DOCUMENT v3.3.0.814
9) Derivative Commitments: Schedule of Derivative Assets at Fair Value (Tables)
 9 Months Ended
Sep. 30, 2015
Tables/Schedules  
Schedule of Derivative Assets at Fair Value

 

Fair Value of Derivative Instruments

Asset Derivatives

Liability Derivatives

September 30, 2015

December 31, 2014

September 30, 2015

December 31, 2014

Balance Sheet Location

Fair Value

Balance Sheet Location

Fair Value

Balance Sheet Location

Fair Value

Balance Sheet Location

Fair Value

Derivatives designated as hedging instruments:

Interest rate lock and forward sales commitments

other assets

$4,756,170

other assets

$2,111,529

Other liabilities

$   518,227

Other liabilities

$181,678

Call options

--

--

--

--

Other liabilities

          6,715

Other liabilities

      116,036

Put options

--

--

--

--

Other liabilities

      103,684

Other liabilities

        11,867

Interest rate swaps

--

 --

--

--

Bank loans payable

                  -

Bank loans payable

        31,370

Total

$4,756,170

$2,111,529

$   628,626

$340,951

XML 49 R53.htm IDEA: XBRL DOCUMENT v3.3.0.814
3) Investments: Net Investment Income - Additional (Details) - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Sep. 30, 2015
Sep. 30, 2014
Dec. 31, 2014
Net Investment Income $ 8,432,414 $ 8,191,962 $ 24,845,931 $ 20,541,749  
Securities on deposit for regulatory authorities 9,065,847   9,065,847   $ 8,886,001
Cemeteries and mortuaries          
Net Investment Income $ 119,963 $ 96,370 $ 306,449 $ 268,729  
XML 50 R72.htm IDEA: XBRL DOCUMENT v3.3.0.814
9) Derivative Commitments: Schedule of Gains and Losses on Derivatives (Details) - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Sep. 30, 2015
Sep. 30, 2014
Details        
Gain (Loss) on Derivatives, Interest Rate Lock Commitments $ (1,431,809) $ (713,276) $ 2,308,092 $ 525,136
Gain (Loss) on Derivatives, Interest Rate Swaps 22,659 9,655 31,370 21,955
GainLossOnDerivativesSubTotal (1,409,150) (703,621) 2,339,462 547,091
TaxEffect-GainLossOnDerivatives (549,569) (274,412) 912,390 213,366
Gain (Loss) on Derivatives, Total $ (859,581) $ (429,209) $ 1,427,072 $ 333,725
XML 51 R2.htm IDEA: XBRL DOCUMENT v3.3.0.814
Balance Sheet - USD ($)
Sep. 30, 2015
Dec. 31, 2014
Investments:    
Fixed maturity securities, held to maturity, at amortized cost $ 133,357,324 $ 135,018,347
Equity securities, available for sale, at estimated fair value 7,208,726 6,752,750
Mortgage loans on real estate and construction loans, held for investment net of allowances for loan losses of $1,856,694 and $2,003,055 for 2015 and 2014 111,683,254 120,050,072
Real estate held for investment, net of accumulated depreciation of $11,819,249 and $10,875,419 for 2015 and 2014 112,661,696 111,411,351
Policy and other loans, net of allowances for doubtful accounts of $888,807 and $693,413 for 2015 and 2014 34,461,555 34,125,428
Short-term investments 19,980,369 27,059,495
Accrued investment income 2,496,538 2,483,253
Total investments 421,849,462 436,900,696
Cash and cash equivalents 71,895,929 30,855,320
Mortgage loans sold to investors 102,235,979 67,534,400
Receivables, net 17,332,863 14,544,093
Restricted assets 10,330,518 9,347,797
Cemetery perpetual care trust investments 2,776,516 2,645,423
Receivable from reinsurers 13,454,542 12,036,263
Cemetery land and improvements 10,819,136 10,848,085
Deferred policy and pre-need contract acquisition costs 56,978,862 50,307,503
Mortgage servicing rights, net 11,574,339 7,834,747
Property and equipment, net 10,256,086 11,307,714
Value of business acquired 9,041,840 8,547,627
Goodwill 2,765,570 2,765,570
Other assets 8,084,196 5,594,324
Total Assets 749,395,838 671,069,562
Liabilities    
Future life, annuity, and other benefits 514,497,225 476,727,465
Unearned premium reserve 4,794,176 4,961,937
Bank and other loans payable 39,535,964 29,020,378
Deferred pre-need cemetery and mortuary contract revenues 12,919,510 13,242,143
Cemetery perpetual care obligation 3,466,190 3,406,718
Accounts payable 3,788,303 1,789,387
Other liabilities and accrued expenses 36,583,403 24,408,666
Income taxes 24,505,505 20,421,767
Total liabilities 640,090,276 573,978,461
Stockholders' Equity    
Additional paid-in capital 26,720,371 25,931,119
Accumulated other comprehensive income, net of taxes 1,851,881 1,438,566
Retained earnings 54,705,809 44,101,252
Treasury stock at cost - 884,375 Class A shares in 2015 and 986,264 Class A shares in 2014 (1,949,507) (2,086,454)
Total stockholders' equity 109,305,562 97,091,101
Total Liabilities and Stockholders' Equity 749,395,838 671,069,562
Class A Common Stock    
Stockholders' Equity    
Common stock $ 24,962,078 $ 24,918,480
Class B Common Stock    
Stockholders' Equity    
Common stock
Class C Common Stock    
Stockholders' Equity    
Common stock $ 3,014,930 $ 2,788,138
XML 52 R45.htm IDEA: XBRL DOCUMENT v3.3.0.814
3) Investments: Available-for-sale Securities (Details) - USD ($)
 9 Months Ended 12 Months Ended
Sep. 30, 2015
Dec. 31, 2014
Available-for-sale Securities, Amortized Cost Basis $ 9,012,605  
Represents the monetary amount of AvailableForSaleSecuritiesEstimatedFairValue, as of the indicated date. 7,208,726  
Mortgage loans on real estate and construction 111,683,254 $ 120,050,072
Mortgage loans on real estate and construction, allowance for losses (1,856,694) (2,003,055)
Real estate held for investment, net of depreciation 112,661,696 111,411,351
Loans held for sale policy loans 7,038,768 7,011,012
Other loans 28,311,594 27,807,829
Loans held for sale allowance for doubtful accounts (888,807) (693,413)
Total policy and other loans at amortized cost 34,461,555 34,125,428
Short-term investments at amortized cost 19,980,369 27,059,495
Residential Mortgage    
Mortgage loans on real estate and construction 48,076,245 53,592,433
Residential Construction    
Mortgage loans on real estate and construction 28,862,660 33,071,938
Commercial Loan    
Mortgage loans on real estate and construction 36,601,043 35,388,756
Common Stock    
Available-for-sale Securities, Amortized Cost Basis 9,012,605  
Represents the monetary amount of AvailableForSaleSecuritiesEstimatedFairValue, as of the indicated date. 7,208,726  
Industrial, miscellaneous and all other equity securities    
Available-for-sale Securities, Amortized Cost Basis 9,012,605 7,179,010
Available-for-sale Securities, Gross Unrealized Gain 88,504 393,873
AvailableForSaleSecuritiesGrossUnrealizedLosses (1,892,383) (820,133)
Represents the monetary amount of AvailableForSaleSecuritiesEstimatedFairValue, as of the indicated date. 7,208,726 6,752,750
Equity Securities    
Available-for-sale Securities, Amortized Cost Basis 9,012,605 7,179,010
Available-for-sale Securities, Gross Unrealized Gain 88,504 393,873
AvailableForSaleSecuritiesGrossUnrealizedLosses (1,892,383) (820,133)
Represents the monetary amount of AvailableForSaleSecuritiesEstimatedFairValue, as of the indicated date. $ 7,208,726 $ 6,752,750
XML 53 R6.htm IDEA: XBRL DOCUMENT v3.3.0.814
Statements of Stockholders' Equity - USD ($)
Class A Common Stock
Class C Common Stock
Additional Paid-in Capital
Accumulated Other Comprehensive Income (Loss)
Retained Earnings
Treasury Stock
Total
Balance at Dec. 31, 2013 $ 23,614,574 $ 2,660,382 $ 23,215,875 $ 1,218,396 $ 39,666,587 $ (2,624,625) $ 87,751,189
Net earnings         4,900,733   4,900,733
Other comprehensive income       257,903     257,903
Grant of stock options     237,398       237,398
Reverse stock split true up   30     (30)    
Exercise of stock options 80,936   (22,864)       58,072
Sale of treasury stock     240,501     395,994 636,495
Stock Dividends 3,446 (1) 4,910   (8,355)    
Conversion Class C to Class A 2,772 (2,771) (2)       (1)
Balance at Sep. 30, 2014 23,701,728 2,657,640 23,675,818 1,476,299 44,558,935 (2,228,631) 93,841,789
Balance at Dec. 31, 2014 24,918,480 2,788,138 25,931,119 1,438,566 44,101,252 (2,086,454) 97,091,101
Net earnings         10,605,767   10,605,767
Other comprehensive income       413,315     413,315
Grant of stock options     299,986       299,986
Exercise of stock options 41,862 228,046 (1,208)     (244,009) 24,691
Sale of treasury stock     489,746     380,956 870,702
Stock Dividends 480 2 728   (1,210)    
Conversion Class C to Class A 1,256 (1,256)          
Balance at Sep. 30, 2015 $ 24,962,078 $ 3,014,930 $ 26,720,371 $ 1,851,881 $ 54,705,809 $ (1,949,507) $ 109,305,562
XML 54 R59.htm IDEA: XBRL DOCUMENT v3.3.0.814
3) Investments: Summary of Interest not accrued on non-performing mortgage loans (Details) - USD ($)
Sep. 30, 2015
Dec. 31, 2014
Details    
Interest not accrued on non-performing loans $ 571,000 $ 535,000
XML 55 R35.htm IDEA: XBRL DOCUMENT v3.3.0.814
6) Business Segments: Schedule of Revenues and Expenses by Reportable Segment (Tables)
 9 Months Ended
Sep. 30, 2015
Tables/Schedules  
Schedule of Revenues and Expenses by Reportable Segment

 

Life Insurance

Cemetery/ Mortuary

Mortgage

Eliminations

Consolidated

For the Three Months Ended

September 30, 2015

Revenues from external customers

 $  23,148,090

 $   3,123,168

 $   49,223,428

 $                -

 $   75,494,686

Intersegment revenues

       3,206,703

        292,445

           76,159

     (3,575,307)

                    -

Segment profit before income taxes

       3,655,998

        250,111

       3,888,291

                   -

       7,794,400

For the Three Months Ended

September 30, 2014

Revenues from external customers

 $  21,552,754

 $   2,707,908

 $   37,465,130

 $                -

 $   61,725,792

Intersegment revenues

       2,407,685

        331,415

          166,043

     (2,905,143)

                    -

Segment profit before income taxes

       1,986,732

      (119,548)

       1,509,956

                   -

       3,377,140

For the Nine Months Ended

September 30, 2015

Revenues from external customers

 $  65,610,558

 $   9,436,496

 $ 140,537,879

 $                -

 $ 215,584,933

Intersegment revenues

       8,884,390

        910,016

          256,950

   (10,051,356)

                    -

Segment profit before income taxes

       7,175,036

        811,261

       9,038,439

                   -

     17,024,736

Identifiable Assets

   709,683,255

  100,760,704

     71,954,237

  (133,002,358)

    749,395,838

Goodwill

       2,765,570

                  -

                    -

                   -

       2,765,570

For the Nine Months Ended

September 30, 2014

Revenues from external customers

 $  59,836,068

 $   9,283,357

 $   97,071,373

 $                -

 $ 166,190,798

Intersegment revenues

       6,825,600

     1,002,027

          561,438

     (8,389,065)

                    -

Segment profit before income taxes

       4,833,627

        232,141

       2,664,456

                   -

       7,730,224

Identifiable Assets

   646,540,190

  106,836,565

     56,961,903

  (149,825,928)

    660,512,730

Goodwill

       2,765,570

        285,191

                    -

                   -

       3,050,761

XML 56 R65.htm IDEA: XBRL DOCUMENT v3.3.0.814
7): Fair Value of Financial Instruments: Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis (Details) - USD ($)
Sep. 30, 2015
Dec. 31, 2014
Assets accounted for at fair value on a recurring basis    
Available-for-sale Securities $ 7,208,726  
Restricted assets of cemeteries and mortuaries 670,390 $ 715,202
Cemetery perpetual care trust investments 609,303 695,235
Derivatives - interest rate lock commitments 4,756,170 2,111,529
Assets, Fair Value Disclosure 13,244,589 10,274,716
Liabilities accounted for at fair value on a recurring basis    
Policyholder account balances (50,915,543) (45,310,699)
Future policy benefits - annuities (63,289,669) (65,540,985)
Derivatives - bank loan interest rate swaps, Call Options (6,715) (116,036)
Derivatives - bank loan interest rate swaps, Put Options (103,684) (11,867)
Derivatives - bank loan interest rate swaps, Interest rate lock commitments (518,227) (181,678)
Liabilities accounted for at fair value (114,833,838) (111,192,635)
Non-redeemable preferred stock   6,752,750
Trading Securities, Equity   6,752,750
Derivatives - bank loan interest rate swaps   (31,370)
Fair Value, Inputs, Level 1    
Assets accounted for at fair value on a recurring basis    
Available-for-sale Securities 7,208,726  
Restricted assets of cemeteries and mortuaries 670,390 715,202
Cemetery perpetual care trust investments 609,303 695,235
Assets, Fair Value Disclosure 8,488,419 8,163,187
Liabilities accounted for at fair value on a recurring basis    
Derivatives - bank loan interest rate swaps, Call Options (6,715) (116,036)
Derivatives - bank loan interest rate swaps, Put Options (103,684) (11,867)
Liabilities accounted for at fair value (110,399) (127,903)
Non-redeemable preferred stock   6,752,750
Trading Securities, Equity   6,752,750
Fair Value, Inputs, Level 3    
Assets accounted for at fair value on a recurring basis    
Derivatives - interest rate lock commitments 4,756,170 2,111,529
Assets, Fair Value Disclosure 4,756,170 2,111,529
Liabilities accounted for at fair value on a recurring basis    
Policyholder account balances (50,915,543) (45,310,699)
Future policy benefits - annuities (63,289,669) (65,540,985)
Derivatives - bank loan interest rate swaps, Interest rate lock commitments (518,227) (181,678)
Liabilities accounted for at fair value $ (114,723,439) (111,064,732)
Derivatives - bank loan interest rate swaps   $ (31,370)
XML 57 R22.htm IDEA: XBRL DOCUMENT v3.3.0.814
2) Recent Accounting Pronouncements: New Accounting Pronouncements, Policy (Policies)
 9 Months Ended
Sep. 30, 2015
Policies  
New Accounting Pronouncements, Policy

Accounting Standards Update (“ASU”) No. 2014-11: "Transfers and Servicing - Repurchase to Maturity Transactions, Repurchase Financings, and Disclosures (Topic 860)" – Issued in June 2014, ASU 2014-11 aligns the accounting for repurchase to maturity transactions and repurchase agreements executed as a repurchase financing with the accounting for other typical repurchase agreements. Going forward, these transactions would all be accounted for as secured borrowings. The new authoritative guidance is effective for the first interim or annual period beginning after December 15, 2014. In addition the disclosure of certain transactions accounted for as a sale is effective for the first interim or annual period beginning on or after December 15, 2014, and the disclosure for transactions accounted for as secured borrowings is required for annual periods beginning after December 15, 2014, and interim periods beginning after March 15, 2015. This new guidance has not and will not have a significant impact on the Company’s results of operations or financial position.

 

ASU No. 2014-09: “Revenue from Contracts with Customers (Topic 606)” - Issued in May 2014, ASU 2014-09 supersedes the revenue recognition requirements in ASC Topic 605, “Revenue Recognition”, and requires entities to recognize revenue in a way that depicts 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. Insurance contracts are excluded from the scope of this new guidance. The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2017. The Company is in the process of evaluating the potential impact of this standard, which is not expected to be material to the Company’s results of operations or financial position.

 

The Company has reviewed other recent accounting pronouncements and has determined that they will not significantly impact the Company’s results of operations or financial position.
XML 58 R36.htm IDEA: XBRL DOCUMENT v3.3.0.814
7): Fair Value of Financial Instruments: Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis (Tables)
 9 Months Ended
Sep. 30, 2015
AsOfSeptember302015Member  
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis

 

 

Total

Quoted Prices in Active Markets for Identical Assets (Level 1)

Significant Observable Inputs (Level 2)

Significant Unobservable Inputs (Level 3)

Assets accounted for at fair value on a recurring basis

Common stock

 $           7,208,726

 $                7,208,726

 $                 -

 $                          -

Total securities available for sale

 $           7,208,726

 $                7,208,726

 $                 -

 $                          -

Restricted assets of cemeteries and mortuaries

 $              670,390

 $                   670,390

 $                 -

 $                          -

Cemetery perpetual care trust investments

                 609,303

                      609,303

                    -

                             -

Derivatives - interest rate lock commitments

              4,756,170

                                  -

                    -

              4,756,170

Total assets accounted for at fair value on a recurring basis

 $         13,244,589

 $                8,488,419

 $                 -

 $           4,756,170

Liabilities accounted for at fair value on a  recurring basis

Policyholder account balances

 $       (50,915,543)

 $                               -

 $                 -

 $        (50,915,543)

Future policy benefits - annuities

          (63,289,669)

                                  -

                    -

           (63,289,669)

   Derivatives  - call options

                   (6,715)

                         (6,715)

                    -

                             -

   - put options

               (103,684)

                     (103,684)

                    -

                             -

   - interest rate lock commitments

               (518,227)

                                  -

                    -

                (518,227)

Total liabilities accounted for at fair value on a recurring basis

 $     (114,833,838)

 $                  (110,399)

 $                 -

 $      (114,723,439)
AsOfDecember312014Member  
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis

 

 

Total

Quoted Prices in Active Markets for Identical Assets (Level 1)

Significant Observable Inputs (Level 2)

Significant Unobservable Inputs (Level 3)

Assets accounted for at fair value on a recurring basis

Common stock

 $          6,752,750

 $         6,752,750

 $                 -

 $                         -

Total securities available for sale

 $          6,752,750

 $         6,752,750

 $                 -

 $                         -

 

Restricted assets of cemeteries and mortuaries

 $             715,202

 $            715,202

 $                 -

 $                         -

Cemetery perpetual care trust investments

                695,235

               695,235

 -

 -

Derivatives - interest rate lock commitments

             2,111,529

 -

 -

             2,111,529

Total assets accounted for at fair value on a recurring basis

 $        10,274,716

 $         8,163,187

 $                 -

 $          2,111,529

Liabilities accounted for at fair value on a recurring basis

Policyholder account balances

 $      (45,310,699)

 $                        -

 $                 -

 $      (45,310,699)

Future policy benefits - annuities

         (65,540,985)

 -

 -

         (65,540,985)

Derivatives - bank loan interest rate swaps

                (31,370)

 -

 -

                (31,370)

                   - call options

              (116,036)

             (116,036)

 -

                            -

                   - put options

                (11,867)

               (11,867)

 -

                            -

                   - interest rate lock commitment

              (181,678)

 -

 -

              (181,678)

Total liabilities accounted for at fair value on a recurring basis

 $    (111,192,635)

 $          (127,903)

 $                 -

 $    (111,064,732)
XML 59 R24.htm IDEA: XBRL DOCUMENT v3.3.0.814
3) Investments: Available-for-sale Securities (Tables)
 9 Months Ended
Sep. 30, 2015
Available-for-sale Securities

Cost

Gross Unrealized Gains

Gross Unrealized Losses

Estimated Fair Value

September 30, 2015

 

 

 

 

Equity securities available for sale at estimated fair value:

Common stock:

Industrial, miscellaneous and all other

 $         9,012,605

 $      88,504

 $    (1,892,383)

 $    7,208,726

Total equity securities available for sale at estimated fair value

 $         9,012,605

 $      88,504

 $    (1,892,383)

 $    7,208,726

Mortgage loans on real estate and construction loans held for investment at amortized cost:

Residential

$       48,076,245

Residential construction

          28,862,660

Commercial

          36,601,043

Less: Allowance for loan losses

          (1,856,694)

Total mortgage loans on real estate and construction loans held for investment

$     111,683,254

Real estate held for investment - net of depreciation

$     112,661,696

Policy and other loans at amortized cost:

Policy loans

$         7,038,768

Other loans

          28,311,594

Less: Allowance for doubtful accounts

             (888,807)

Total policy and other loans at amortized cost

$       34,461,555

Short-term investments at amortized cost

$       19,980,369

AsOfDecember312014Member  
Available-for-sale Securities

 

 Cost

Gross Unrealized Gains

Gross Unrealized Losses

Estimated Fair Value

December 31, 2014:

 

 

 

Equity securities available for sale at estimated fair value:

Common stock:

Industrial, miscellaneous and all other

 $     7,179,010

 $    393,873

 $    (820,133)

 $  6,752,750

Total securities available for sale carried at estimated fair value

 $     7,179,010

 $    393,873

 $    (820,133)

 $  6,752,750

Mortgage loans on real estate and construction loans held for investment at amortized cost:

Residential

$    53,592,433

Residential construction

          33,071,938

Commercial

          35,388,756

Less: Allowance for loan losses

          (2,003,055)

Total mortgage loans on real estate and construction loans held for investment

$  120,050,072

Real estate held for investment - net of depreciation

$  111,411,351

Policy and other loans at amortized cost:

Policy loans

$      7,011,012

Other loans

          27,807,829

Less: Allowance for doubtful accounts

             (693,413)

Total policy and other loans at amortized cost

$    34,125,428

Short-term investments at amortized cost

$    27,059,495

XML 60 R68.htm IDEA: XBRL DOCUMENT v3.3.0.814
7): Fair Value of Financial Instruments (Details) - USD ($)
 9 Months Ended 12 Months Ended
Sep. 30, 2015
Dec. 31, 2014
Policyholder Account Balances    
Fair Value Balance $ (45,310,699) $ (48,000,668)
Fair Value, Losses (Gains) included in earnings (5,604,844) 2,689,969
Fair Value Balance (50,915,543) (45,310,699)
Future Policy Benefits - Annuities    
Fair Value Balance (65,540,985) (65,052,928)
Fair Value, Losses (Gains) included in earnings 2,251,316 (488,057)
Fair Value Balance (63,289,669) (65,540,985)
Interest Rate Lock Commitments    
Fair Value Balance 1,929,851 1,487,908
Fair Value, Losses (Gains) included in other comprehensive income 2,308,092 441,943
Fair Value Balance 4,237,943 1,929,851
Bank Loan Interest Rate Swaps    
Fair Value Balance (31,370) (58,310)
Fair Value, Losses (Gains) included in other comprehensive income $ 31,370 26,940
Fair Value Balance   $ (31,370)
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Statement of Cash Flows - USD ($)
 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Cash flows from operating activities:    
Net cash provided by (used in) operating activities $ (3,677,377) $ 36,391,145
Securities held to maturity:    
Purchase-fixed maturity securities (8,866,792) (1,089,843)
Calls and maturities - fixed maturity securities 10,500,608 8,930,341
Securities available for sale:    
Purchase - equity securities (3,457,180) (4,859,850)
Sales - equity securities 1,823,404 2,679,292
Purchase of short-term investments (31,768,007) (15,166,706)
Sales of short-term investments 38,731,918 2,278,147
Purchases of restricted assets (1,027,533) (2,818,985)
Changes in assets for perpetual care trusts (217,025) (173,172)
Amount received for perpetual care trusts 59,472 97,207
Mortgage, policy, and other loans made (272,667,236) (212,307,189)
Payments received for mortgage, policy and other loans 278,315,445 177,332,341
Purchase of property and equipment (2,286,053) (1,093,783)
Sale of property and equipment 2,899,322  
Purchase of real estate (11,652,845) (10,484,664)
Sale of real estate 11,194,483 3,491,378
Cash received from reinsurance 24,020,215 13,553,864
Cash paid for purchase of subsidiaries, net of cash acquired   (3,000,000)
Net cash provided by (used in) investing activities 35,602,196 (42,631,622)
Cash flows from financing activities:    
Annuity contract receipts 7,793,428 7,735,783
Annuity contract withdrawals (9,249,285) (11,079,789)
Proceeds from stock options exercised 24,691 58,072
Repayment of bank loans on notes and contracts (1,583,942) (1,772,665)
Proceeds from borrowing on bank loans 12,130,898 5,646,518
Net cash provided by financing activities 9,115,790 587,919
Net change in cash and cash equivalents 41,040,609 (5,652,558)
Cash and cash equivalents at beginning of period 30,855,320 38,203,164
Cash and cash equivalents at end of period 71,895,929 32,550,606
Non Cash Investing and Financing Activities    
Mortgage loans foreclosed into real estate $ 2,659,985 $ 886,576
XML 63 R3.htm IDEA: XBRL DOCUMENT v3.3.0.814
Balance Sheet Parenthetical - USD ($)
Sep. 30, 2015
Dec. 31, 2014
Allowance for losses on mortgage loans on real estate and construction loans, held for investment $ 1,856,694 $ 2,003,055
Accumulated depreciation on real estate held for investment 11,819,249 10,875,419
Allowance for doubtful accounts on policy and other loans $ 888,807 $ 693,413
Class A Common Stock    
Common Stock Par Value $ 2.00 $ 2.00
Common Stock Authorized 20,000,000 20,000,000
Common Stock Issued 12,481,039 12,459,240
Treasury Stock 884,375 986,264
Class B Common Stock    
Common Stock Par Value $ 1.00 $ 1.00
Common Stock Authorized 5,000,000 5,000,000
Common Stock Issued
Common Stock Outstanding
Class C Common Stock    
Common Stock Par Value $ 2.00 $ 2.00
Common Stock Authorized 2,000,000 2,000,000
Common Stock Issued 1,507,465 1,394,069
XML 64 R17.htm IDEA: XBRL DOCUMENT v3.3.0.814
10) Reinsurance, Commitments and Contingencies
 9 Months Ended
Sep. 30, 2015
Notes  
10) Reinsurance, Commitments and Contingencies

10)       Reinsurance, Commitments and Contingencies

 

Reinsurance

 

Reinsurance Agreement with North America Life Insurance Company

 

On May 8, 2015, the Company, through its wholly owned subsidiary, Security National Life, signed a paid-up business offer under the coinsurance agreement effective December 1, 2010 to reinsure certain life insurance policies from North America Life Insurance Company (“North America Life”). Pursuant to the paid-up business offer, North America Life ceded and transferred to Security National Life all contractual obligations and risks under the coinsured policies. Security National Life paid a ceding commission to North America Life in the amount of $281,908. As a result of the ceding commission, North America Life transferred $8,900,282 of cash and $9,182,190 in statutory reserves, or liabilities, to Security National Life.

 

Reinsurance Agreement with American Republic Insurance Company

 

On February 11, 2015, the Company, through its wholly owned subsidiary, Security National Life, signed a coinsurance agreement to reinsure certain life insurance policies from American Republic Insurance Company (“American Republic”).  The policies were previously reinsured by North America Life under a coinsurance agreement between World Insurance Company (“World Insurance”) and North America Life entered into on July 22, 2009 which was commuted.  World Insurance was subsequently purchased by and merged into American Republic.  The current coinsurance agreement is between Security National Life and American Republic and became effective on January 1, 2015.  As part of the coinsurance agreement, American Republic transferred all contractual obligations and risks to Security National Life and Security National Life took control of $15,004,771 of assets in a trust account held by Texas Capital Bank as the trustee.

 

Mortgage Loan Loss Settlements

 

The mortgage industry has seen potential loan losses increase. Future loan losses are extremely difficult to estimate, especially in the current market.  However, management believes that the Company’s reserve methodology and its current practice of property preservation allow it to estimate its losses on loans sold. The amounts accrued for loan losses for the three months ended September 30, 2015 and 2014 were $1,755,000 and $1,063,000, respectively, and for the nine months ended September 30, 2015 and 2014 were $4,674,000 and $2,007,000, respectively. The estimated liability for indemnification losses is included in other liabilities and accrued expenses and, as of September 30, 2015 and December 31, 2014, the balances were $5,751,000 and $1,718,000, respectively.

 

Mortgage Loan Loss Demands

 

Third Party Investors

 

There have been assertions in third party investor correspondence that SecurityNational Mortgage sold mortgage loans that allegedly contained borrower misrepresentations or experienced early payment defaults, or that were otherwise allegedly defective or not in compliance with agreements between SecurityNational Mortgage and the third party investors consisting principally of financial institutions.  As a result of these claims, third party investors have made demands that SecurityNational Mortgage repurchase certain alleged defective mortgage loans that were sold to such investors or indemnify them against any losses related to such loans.

 

The total amount of potential claims by third party investors is difficult to determine.  The Company has reserved and accrued $5,751,000 as of September 30, 2015 to settle all such investor related claims.  The Company believes that the reserve for mortgage loan loss, which includes provisions for probable losses and indemnification on mortgage loans sold to investors, is reasonable based on available information.  Moreover, the Company has successfully negotiated acceptable settlement terms with other third party investors that asserted claims for mortgage loan losses against SecurityNational Mortgage.

 

SecurityNational Mortgage disagrees with the repurchase demands and notices of potential claims from third party investors. Furthermore, SecurityNational Mortgage believes there is potential to resolve the alleged claims by the third party investors on acceptable terms. If SecurityNational Mortgage is unable to resolve such claims on acceptable terms, legal action may ensue. In the event of legal action by any third party investor, SecurityNational Mortgage believes it has significant defenses to any such action and intends to vigorously defend itself against such action. 

 

JP Morgan Chase Indemnification Demand

 

The Company and its wholly owned subsidiary, SecurityNational Mortgage, received a notice of claim for indemnification dated December 21, 2011, from JP Morgan Chase & Co. (“JP Morgan Chase”) on behalf of EMC Mortgage, LLC (“EMC Mortgage”), relating to 21 mortgage loans that EMC Mortgage allegedly purchased as a third party investor from SecurityNational Mortgage.  The notice also referenced a guaranty agreement, dated February 23, 2006, by the Company for the benefit of EMC Mortgage.  The indemnification notice additionally stated that EMC Mortgage had been named in a lawsuit by the Bear Stearns Mortgage Funding Trust 2007-AR2 (the “Trust”), which was filed on September 13, 2011 in the Delaware Court of Chancery. 

 

The lawsuit the Trust brought against EMC Mortgage contends that more than 800 residential mortgage loans that EMC Mortgage sold to the Trust (including the 21 loans allegedly originated by SecurityNational Mortgage) contained breaches of representations and warranties with respect to the mortgage loans, as well as defaults and foreclosures in many of such loans.  As a result of the alleged breaches of representations and warranties by EMC Mortgage, the complaint requests that EMC Mortgage be ordered to repurchase from the Trust any loans for which it breached its representations and warranties, in the amount of the mortgage loans’ outstanding principal balance and all accrued but unpaid interest.

 

The indemnification notice from JP Morgan Chase further alleged that the Company and SecurityNational Mortgage are required to indemnify EMC Mortgage for any of its losses arising from the lawsuit that the Trust brought against EMC based upon allegedly untrue statements of material fact related to information that was provided by SecurityNational Mortgage. To the extent the claims in the complaint relate to the 21 mortgage loans that SecurityNational Mortgage allegedly sold to EMC Mortgage, the Company believes it has significant defenses to such claims. The Company intends to vigorously defend itself and SecurityNational Mortgage in the event that JP Morgan Chase were to bring any legal action to require the Company or SecurityNational Mortgage to indemnify it for any loss, liability or expense in connection with the lawsuit that the Trust brought against EMC Mortgage.

 

Inquiry Regarding FHA Insured Loans

 

SecurityNational Mortgage has been cooperating with the U.S. Department of Justice and the Office of the Inspector General for the Department of Housing and Urban Development (HUD) in a civil investigation regarding compliance with requirements relating to certain loans insured by the Federal Housing Administration (FHA).  No demand has been made and SecurityNational Mortgage has not established a liability for this matter absent a specific demand because it is not able to estimate a range of reasonably potential loss due to significant uncertainties regarding:  the absence of any specific demand, the potential remedies, including possible defenses, and the lack of information concerning the performance of its FHA insured originations, the majority of which SecurityNational Mortgage does not service. The investigation has focused on loans originated by SecurityNational Mortgage on or after January 1, 2006.  The FHA mortgage loans that SecurityNational Mortgage originated between January 1, 2006 and May 21, 2013 total approximately 45,900 loans with an original principal balance of approximately $7.9 billion.

 

Mortgage Loan Loss Litigation

 

For a description of the litigation involving SecurityNational Mortgage and Lehman Brothers and Aurora Loan Services, reference is to Part II, Item 1. Legal Proceedings.

 

Other Contingencies and Commitments

 

The Company has entered into commitments to fund new residential construction loans. As of September 30, 2015, the Company’s commitments were $48,354,000 for these loans of which $28,863,000 had been funded. The Company will advance funds once the work has been completed and an independent inspection is made. The maximum loan commitment ranges between 50% and 80% of appraised value. The Company receives fees from the borrowers and the interest rate is generally 2% to 6.75% over the bank prime rate (3.25% as of September 30, 2015). Maturities range between six and twelve months.

 

The Company is not a party to any other material legal proceedings outside the ordinary course of business or to any other legal proceedings, which, if adversely determined, would have a material adverse effect on its financial condition or results of operations.

 
XML 65 R1.htm IDEA: XBRL DOCUMENT v3.3.0.814
Document and Entity Information - shares
 9 Months Ended
Sep. 30, 2015
Nov. 13, 2015
Entity Registrant Name SECURITY NATIONAL FINANCIAL CORP  
Document Type 10-Q  
Document Period End Date Sep. 30, 2015  
Trading Symbol snfca  
Amendment Flag false  
Entity Central Index Key 0000318673  
Current Fiscal Year End Date --12-31  
Entity Filer Category Smaller Reporting Company  
Entity Current Reporting Status Yes  
Entity Voluntary Filers No  
Entity Well-known Seasoned Issuer No  
Document Fiscal Year Focus 2015  
Document Fiscal Period Focus Q3  
Class A Common Stock    
Entity Common Stock, Shares Outstanding   12,481,039
Class C Common Stock    
Entity Common Stock, Shares Outstanding   1,507,465
XML 66 R18.htm IDEA: XBRL DOCUMENT v3.3.0.814
11) Mortgage Servicing Rights
 9 Months Ended
Sep. 30, 2015
Notes  
11) Mortgage Servicing Rights

11)  Mortgage Servicing Rights

 

The following is a summary of the MSR activity for the periods presented.

 

As of September 30 2015

As of December 31 2014

Amortized cost:

Balance before valuation allowance at beginning of year

 $           7,834,747

 $          4,844,101

MSRs proceeds from loan sales

              4,674,218

             3,741,381

Amortization

               (934,626)

              (750,735)

Application of valuation allowance to write down MSRs with other than temporary impairment

                           -

                         -

Balance before valuation allowance at year end

 $          11,574,339

 $          7,834,747

Valuation allowance for impairment of MSRs:

Balance at beginning of year

 $                        -

 $                       -

Additions

                           -

                         -

Application of valuation allowance to write down MSRs    with other than temporary impairment

                           -

                         -

Balance at end of period

 $                        -

 $                       -

Mortgage servicing rights, net

 $          11,574,339

 $          7,834,747

Estimated fair value of MSRs at end of period

 $          12,093,178

 $          8,485,570

 

The Company reports these MSRs pursuant to the accounting policy discussed in Note 7.

XML 67 R4.htm IDEA: XBRL DOCUMENT v3.3.0.814
Income Statement - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Sep. 30, 2015
Sep. 30, 2014
Revenues:        
Insurance premiums and other considerations $ 14,563,582 $ 13,804,510 $ 42,331,991 $ 40,268,943
Net investment income 8,432,414 8,191,962 24,845,931 20,541,749
Net mortuary and cemetery sales 2,811,329 2,490,280 8,701,417 8,768,224
Realized gains on investments and other assets 1,352,778 429,910 2,273,618 968,755
Other than temporary impairments on investments (56,290) (383,776) (167,497) (443,776)
Mortgage fee income 46,923,321 36,235,813 133,475,149 93,546,650
Other income 1,467,552 957,093 4,124,324 2,540,253
Total revenues 75,494,686 61,725,792 215,584,933 166,190,798
Benefits and expenses:        
Death benefits 7,584,209 6,641,923 23,628,492 20,400,042
Surrenders and other policy benefits 715,209 707,539 1,888,606 1,850,302
Increase in future policy benefits 4,620,413 5,278,079 12,840,591 14,492,604
Amortization of deferred policy and pre-need acquisition costs and value of business acquired 1,338,084 1,854,041 3,683,437 4,750,976
Selling, general and administrative expenses:        
Commissions 21,263,606 17,134,597 63,037,164 43,880,642
Personnel 15,768,614 13,141,100 45,333,563 36,497,666
Advertising 1,503,476 1,135,913 4,428,192 3,409,971
Rent and rent related 1,979,767 1,625,624 5,794,633 4,425,105
Depreciation on property and equipment 553,048 574,323 1,663,172 1,605,871
Provision for loan losses and loss reserve 1,754,781 1,063,451 4,673,991 2,006,876
Costs related to funding mortgage loans 2,352,611 1,932,627 6,947,976 5,141,946
Other expenses 6,606,960 5,886,301 19,674,568 16,339,983
Interest expense 1,191,627 954,610 3,551,242 2,238,722
Cost of goods and services sold-mortuaries and cemeteries 467,881 418,524 1,414,570 1,419,868
Total benefits and expenses 67,700,286 58,348,652 198,560,197 158,460,574
Earnings before income taxes 7,794,400 3,377,140 17,024,736 7,730,224
Income tax expense (2,904,615) (1,239,318) (6,418,969) (2,829,491)
Net earnings $ 4,889,785 $ 2,137,822 $ 10,605,767 $ 4,900,733
Net earnings per Class A Equivalent common share (1) $ 0.37 $ 0.17 $ 0.81 $ 0.39
Net earnings per Class A Equivalent common share-assuming dilution (1) $ 0.35 $ 0.17 $ 0.78 $ 0.38
Weighted-average Class A equivalent common share outstanding (1) 13,146,617 12,455,314 13,023,962 12,487,646
Weighted-average Class A equivalent common shares outstanding-assuming dilution (1) 13,775,102 12,924,765 13,598,186 12,931,350
XML 68 R12.htm IDEA: XBRL DOCUMENT v3.3.0.814
5) Earnings Per Share
 9 Months Ended
Sep. 30, 2015
Notes  
5) Earnings Per Share

5)      Earnings Per Share

 

The basic and diluted earnings per share amounts were calculated as follows:

 

Three Months Ended September 30

Nine Months Ended September 30

2015

2014

2015

2014

Numerator:

Net earnings

$     4,889,785

$     2,137,822

$     10,605,767

$     4,900,733

Denominator:

Basic weighted-average shares outstanding

      13,146,617

      12,455,314

      13,023,962

      12,487,646

Effect of dilutive securities:

Employee stock options

           628,485

           469,451

                 574,224

               443,704

Diluted weighted-average shares outstanding

      13,775,102

      12,924,765

            13,598,186

          12,931,350

Basic net earnings per share

$0.37

$0.17

$0.81

$0.39

Diluted net earnings per share

$0.35

$0.17

$0.78

$0.38

 

Net earnings per share amounts have been adjusted for the effect of annual stock dividends. For the three and nine months ended September 30, 2015 and 2014, there were -0- and 56,912 of anti-dilutive employee stock option shares, respectively, that were not included in the computation of diluted net loss per common share as their effect would be anti-dilutive.
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4) Stock-based Compensation
 9 Months Ended
Sep. 30, 2015
Notes  
4) Stock-based Compensation

4)      Stock-Based Compensation

 

The Company has four fixed option plans (the “2003 Plan”, the “2006 Director Plan”, the “2013 Plan” and the “2014 Director Plan”). Compensation expense for options issued of $88,510 and $108,872 has been recognized for these plans for the three months ended September 30, 2015 and 2014, respectively, and $299,986 and $237,398 for the nine months ended September 30, 2015 and 2014, respectively. As of September 30, 2015, the total unrecognized compensation expense related to the options issued in December 2014 was $61,645, which is expected to be recognized over the vesting period of one year. At the Annual Meeting of Stockholders of the Company, held on July 1, 2015, the Company’s stockholders approved an amendment to the Company’s “2013 Plan” to authorize an additional 450,000 shares of Class A common stock to be available for issuance under the plan, of which up to 200,000 shares of Class A common shares may be issued as up to 200,000 shares of Class C common stock.

 

The Company generally estimates the expected life of the options based upon the contractual term of the options adjusted for actual experience. Future volatility is estimated based upon the a weighted historical volatility of the Company’s Class A common stock and three peer company stocks over a period equal to the estimated life of the options. Common stock issued upon exercise of stock options are generally new share issuances rather than from treasury shares.

 

A summary of the status of the Company’s stock incentive plans as of September 30, 2015, and the changes during the nine months ended September 30, 2015, are presented below:

 

Number of Class A Shares

Weighted Average Exercise Price

 

Number of Class C Shares

Weighted Average Exercise Price

Outstanding at December 31, 2014

         512,795

$      3.20

         691,591

$      2.00

Granted

                    -

 

                    -

 

Exercised

         (23,820)

         1.85

       (114,023)

         2.14

Cancelled

           (8,846)

         2.31

                    -

 

Outstanding at September 30, 2015

         480,129

$      3.28

         577,568

$      2.62

As of September 30, 2015:

Options exercisable

         447,571

$      3.17

         550,693

$      2.51

As of September 30, 2015:

Available options for future grant

         561,649

                    155,000

Weighted average contractual term of options

outstanding at September 30, 2015

7.15 years

2.41 years

Weighted average contractual term of options

exercisable at September 30, 2015

7.00 years

2.35 years

Aggregated intrinsic value of options

outstanding at September 30, 2015 (1)

$1,646,768

$2,363,921

Aggregated intrinsic value of options

exercisable at September 30, 2015 (1)

$1,583,605

$2,312,190

(1) The Company used a stock price of $6.71 as of September 30, 2015 to derive intrinsic value.

 

A summary of the status of the Company’s stock incentive plans as of September 30, 2014, and the changes during the nine months ended September 30, 2014, are presented below:

 

Number of Class A Shares

Weighted Average Exercise Price

 

Number of Class C Shares

Weighted Average Exercise Price

Outstanding at December 31, 2013

         405,133

$      2.41

         508,656

$      2.00

Granted

         52,000

         4.29

           50,000

         4.72

Exercised

         (40,468)

         1.66

                    -

Cancelled

           (8,201)

         2.29

                    -

Outstanding at September 30, 2014

         408,464

$      2.75

         558,656

$      2.25

As of September 30, 2014:

Options exercisable

         334,869

$      2.40

         495,532

$      1.92

As of September 30, 2014:

Available options for future grant

         412,480

         55,000

Weighted average contractual term of options

outstanding at September 30, 2014

7.01 years

2.57 years

Weighted average contractual term of options

exercisable at September 30, 2014

6.45 years

1.80 years

Aggregated intrinsic value of options

outstanding at September 30, 2014 (1)

$913,166

$1,524,902

Aggregated intrinsic value of options

exercisable at September 30, 2014 (1)

$869,804

$1,512,402

(1) The Company used a stock price of $4.97 as of September 30, 2014 to derive intrinsic value.

 

The total intrinsic value (which is the amount by which the fair value of the underlying stock exceeds the exercise price of an option on the exercise date) of stock options exercised during the nine months ended September 30, 2015 and 2014 was $532,418 and $133,141, respectively.

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3) Investments: Held-to-maturity Securities (Tables)
 9 Months Ended
Sep. 30, 2015
Held-to-maturity Securities

Amortized Cost

Gross Unrealized Gains

 Gross Unrealized Losses

 Estimated Fair Value

September 30, 2015

 

 

 

 

Fixed maturity securities held to maturity carried at amortized cost:

Bonds:

U.S. Treasury securities and obligations of U.S. Government agencies

 $         1,860,138

 $          340,699

 $                    -

 $         2,200,837

Obligations of states and political subdivisions

            1,808,183

             220,697

              (2,624)

            2,026,256

Corporate securities including public utilities

        126,024,969

        11,952,326

       (3,505,213)

        134,472,082

Mortgage-backed securities

            3,052,011

             241,761

              (6,855)

            3,286,917

Redeemable preferred stock

               612,023

               27,529

                     -   

               639,552

Total fixed maturity securities held to maturity

 $     133,357,324

 $     12,783,012

 $    (3,514,692)

 $     142,625,644

AsOfDecember312014Member  
Held-to-maturity Securities

 

Amortized Cost 

Gross Unrealized Gains

 Gross Unrealized Losses  

 Estimated Fair Value  

December 31, 2014:

 

 

 

 

Fixed maturity securities held to maturity carried at amortized cost:

Bonds:

U.S. Treasury securities and obligations of U.S. Government agencies

 $         1,873,146

 $          345,715

 $                    -

 $         2,218,861

Obligations of states and political subdivisions

            1,736,489

             221,893

              (5,278)

            1,953,104

Corporate securities including public utilities

        126,533,483

        15,841,536

          (980,357)

        141,394,662

Mortgage-backed securities

            4,263,206

             305,381

            (11,894)

            4,556,693

Redeemable preferred stock

               612,023

               22,032

                       -

               634,055

Total fixed maturity securities held to maturity

 $     135,018,347

 $     16,736,557

 $       (997,529)

 $     150,757,375

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12) Mergers, Acquisitions and Dispositions Disclosures
 9 Months Ended
Sep. 30, 2015
Notes  
12) Mergers, Acquisitions and Dispositions Disclosures

12)    Acquisitions

 

Acquisition of American Funeral Financial

 

On June 4, 2014, the Company, through its wholly owned subsidiary, SNFC Subsidiary, LLC (“SNFC Subsidiary”), completed a purchase transaction with American Funeral Financial, LLC, a South Carolina limited liability company (“American Funeral Financial”) and Hypershop, LLC, a North Carolina  limited liability  company (“Hypershop”), the sole owner of all the limited liability company interests of American Funeral Financial, to purchase all of the outstanding limited liability company interests, or membership units, of American Funeral Financial.  American Funeral Financial is engaged in the operation of a factoring business with the principal purpose of providing funding for funeral homes and mortuaries.  

 

The following unaudited pro forma information has been prepared to present the results of operations of the Company assuming the acquisition of American Funeral Financial had occurred at the beginning of the nine month periods ended September 30, 2015 and 2014. This pro forma information is supplemental and does not necessarily present the operations of the Company that would have occurred had the acquisition occurred on those dates and may not reflect the operations that will occur in the future:

 

For the Three Months Ended September 30 (unaudited)

For the Nine Months Ended September 30 (unaudited)

2015

2014

2015

2014

Total revenues

 $   75,494,686

 $  61,725,792

 $ 215,584,933

 $ 168,522,777

Net earnings

 $     4,889,785

 $    2,137,822

 $   10,605,767

 $    5,142,490

Net earnings per Class A equivalent common share

 $            0.37

 $           0.17

 $            0.81

 $            0.41

Net earnings per Class A equivalent common share

assuming dilution

 $            0.35

 $           0.17

 $            0.78

 $            0.40

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8) Allowance For Doubtful Accounts and Loan Losses and Impaired Loans
 9 Months Ended
Sep. 30, 2015
Notes  
8) Allowance For Doubtful Accounts and Loan Losses and Impaired Loans

8)         Allowance for Doubtful Accounts, Allowance for Loan Losses and Impaired Loans

 

The Company records an allowance and recognizes an expense for potential losses from mortgage loans, other loans and receivables in accordance with generally accepted accounting principles.

 

Receivables are the result of cemetery and mortuary operations, mortgage loan operations and life insurance operations. The allowance is based upon the Company’s historical experience for collectively evaluated impairment. Other allowances are based upon receivables individually evaluated for impairment. Collectability of the cemetery and mortuary receivables is significantly influenced by current economic conditions. The critical issues that impact recovery of mortgage loan operations are interest rate risk, loan underwriting, new regulations and the overall economy.

 

The Company provides allowances for losses on its mortgage loans held for investment through an allowance for loan losses. The allowance is comprised of two components. The first component is an allowance for collectively evaluated impairment that is based upon the Company’s historical experience in collecting similar receivables. The second component is based upon individual evaluation of loans that are determined to be impaired. Upon determining impairment the Company establishes an individual impairment allowance based upon an assessment of the fair value of the underlying collateral. See the schedules in Note 3 for additional information. In addition, when a mortgage loan is past due more than 90 days, the Company does not accrue any interest income. When a loan becomes delinquent, the Company proceeds to foreclose on the real estate and all expenses for foreclosure are expensed as incurred. Once foreclosed, an adjustment for the lower of cost or fair value is made, if necessary, and the amount is classified as other real estate owned held for investment or sale. The Company will rent the properties until it is deemed desirable to sell them.

 

The allowance for losses on mortgage loans held for investment could change based on changes in the value of the underlying collateral, the performance status of the loans, or the Company’s actual collection experience. The actual losses could change, in the near term, from the established allowance, based upon the occurrence or non-occurrence of these events.

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4) Stock-based Compensation (Details) - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Sep. 30, 2015
Sep. 30, 2014
Details        
Employee Service Share-based Compensation, Allocation of Recognized Period Costs, Capitalized Amount $ 88,510 $ 108,872 $ 299,986 $ 237,398
Unrecognized compensation expense related to the options issued in December 2014 $ 61,645   61,645  
Total intrinsic value     $ 532,418 $ 133,141
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6) Business Segments
 9 Months Ended
Sep. 30, 2015
Notes  
6) Business Segments

6)      Business Segments

 

Description of Products and Services by Segment

 

The Company has three reportable business segments: life insurance, cemetery and mortuary, and mortgage. The Company’s life insurance segment consists of life insurance premiums and operating expenses from the sale of insurance products sold by the Company’s independent agency force and net investment income derived from investing policyholder and segment surplus funds. The Company’s cemetery and mortuary segment consists of revenues and operating expenses from the sale of at-need cemetery and mortuary merchandise and services at its mortuaries and cemeteries, pre-need sales of cemetery spaces after collection of 10% or more of the purchase price and the net investment income from investing segment surplus funds. The Company’s mortgage segment consists of loan fee income and expenses from the originations of residential and commercial mortgage loans and interest earned and interest expenses from warehousing pre-sold loans before the funds are received from financial institutional investors.

 

Measurement of Segment Profit or Loss and Segment Assets

 

The accounting policies of the reportable segments are the same as those described in the Significant Accounting Principles of the form 10K for the year ended December 31, 2014. Intersegment revenues are recorded at cost plus an agreed upon intercompany profit, and are eliminated upon consolidation.

 

Factors Management Used to Identify the Enterprise’s Reportable Segments

 

The Company’s reportable segments are business units that offer different products and are managed separately due to the different products and the need to report to the various regulatory jurisdictions.

 

Life Insurance

Cemetery/ Mortuary

Mortgage

Eliminations

Consolidated

For the Three Months Ended

September 30, 2015

Revenues from external customers

 $  23,148,090

 $   3,123,168

 $   49,223,428

 $                -

 $   75,494,686

Intersegment revenues

       3,206,703

        292,445

           76,159

     (3,575,307)

                    -

Segment profit before income taxes

       3,655,998

        250,111

       3,888,291

                   -

       7,794,400

For the Three Months Ended

September 30, 2014

Revenues from external customers

 $  21,552,754

 $   2,707,908

 $   37,465,130

 $                -

 $   61,725,792

Intersegment revenues

       2,407,685

        331,415

          166,043

     (2,905,143)

                    -

Segment profit before income taxes

       1,986,732

      (119,548)

       1,509,956

                   -

       3,377,140

For the Nine Months Ended

September 30, 2015

Revenues from external customers

 $  65,610,558

 $   9,436,496

 $ 140,537,879

 $                -

 $ 215,584,933

Intersegment revenues

       8,884,390

        910,016

          256,950

   (10,051,356)

                    -

Segment profit before income taxes

       7,175,036

        811,261

       9,038,439

                   -

     17,024,736

Identifiable Assets

   709,683,255

  100,760,704

     71,954,237

  (133,002,358)

    749,395,838

Goodwill

       2,765,570

                  -

                    -

                   -

       2,765,570

For the Nine Months Ended

September 30, 2014

Revenues from external customers

 $  59,836,068

 $   9,283,357

 $   97,071,373

 $                -

 $ 166,190,798

Intersegment revenues

       6,825,600

     1,002,027

          561,438

     (8,389,065)

                    -

Segment profit before income taxes

       4,833,627

        232,141

       2,664,456

                   -

       7,730,224

Identifiable Assets

   646,540,190

  106,836,565

     56,961,903

  (149,825,928)

    660,512,730

Goodwill

       2,765,570

        285,191

                    -

                   -

       3,050,761

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7): Fair Value of Financial Instruments
 9 Months Ended
Sep. 30, 2015
Notes  
7): Fair Value of Financial Instruments

7)      Fair Value of Financial Instruments

 

Generally accepted accounting principles (GAAP) defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants. GAAP also specifies a fair value hierarchy based upon the observability of inputs used in valuation techniques. Observable inputs (highest level) reflect market data obtained from independent sources, while unobservable inputs (lowest level) reflect internally developed market assumptions. Fair value measurements are classified under the following hierarchy:

                                                                                               

Level 1:  Financial assets and financial liabilities whose values are based on unadjusted quoted prices for identical assets or liabilities in an active market that we can access.

 

Level 2: Financial assets and financial liabilities whose values are based on the following:

a) Quoted prices for similar assets or liabilities in active markets;

b) Quoted prices for identical or similar assets or liabilities in non-active markets; or

c) Valuation models whose inputs are observable, directly or indirectly, for substantially the full term of the asset or liability.

 

Level 3:  Financial assets and financial liabilities whose values are based on prices or valuation techniques that require inputs that are both unobservable and significant to the overall fair value measurement. These inputs may reflect our estimates of the assumptions that market participants would use in valuing the financial assets and financial liabilities.

 

The Company utilizes a combination of third party valuation service providers, brokers, and internal valuation models to determine fair value.

 

The following methods and assumptions were used by the Company in estimating the fair value disclosures related to other significant financial instruments:

 

The items shown under Level 1 and Level 2 are valued as follows:

 

Securities Available for Sale and Held to Maturity: The fair values of investments in fixed maturity and equity securities along with methods used to estimate such values are disclosed in Note 3 of the Notes to Condensed Consolidated Statements.

 

Restricted Assets: A portion of these assets include mutual funds and equity securities that have quoted market prices. Also included are cash and cash equivalents and participations in mortgage loans. The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values.

 

Cemetery Perpetual Care Trust Investments:  A portion of these assets include equity securities that have quoted market prices. Also included are cash and cash equivalents. The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values.

 

Call and Put Options: The Company uses quoted market prices to value its call and put options.

 

The items shown under Level 3 are valued as follows:

 

Policyholder Account Balances and Future Policy Benefits-Annuities:  Future policy benefit reserves for interest-sensitive insurance products are computed under a retrospective deposit method and represent policy account balances before applicable surrender charges. Policy benefits and claims that are charged to expense include benefit claims incurred in the period in excess of related policy account balances. Interest crediting rates for interest-sensitive insurance products ranged from 4% to 6.5%. The fair values for the Company’s liabilities under investment-type insurance contracts (disclosed as policyholder account balances and future policy benefits – annuities) are estimated based on the contracts’ cash surrender values.

 

The fair values for the Company’s insurance contracts other than investment-type contracts are not required to be disclosed. However, the fair values of liabilities under all insurance contracts are taken into consideration in the Company’s overall management of interest rate risk, such that the Company’s exposure to changing interest rates is minimized through the matching of investment maturities with amounts due under insurance contracts.

 

Interest Rate Lock Commitments: The Company’s mortgage banking activities enters into interest rate lock commitments with potential borrowers and forward commitments to sell loans to third-party investors. The Company also implements a hedging strategy for these transactions. A mortgage loan commitment binds the Company to lend funds to a qualified borrower at a specified interest rate and within a specified period of time, generally up to 30 days after inception of the mortgage loan commitment. Mortgage loan commitments are defined to be derivatives under generally accepted accounting principles and are recognized at fair value on the consolidated balance sheet with changes in their fair values recorded as part of other comprehensive income from mortgage banking operations.

 

The Company estimates the fair value of a mortgage loan commitment based on the change in estimated fair value of the underlying mortgage loan and the probability that the mortgage loan will fund within the terms of the commitment. The change in fair value of the underlying mortgage loan is measured from the date the mortgage loan commitment is issued. Therefore, at the time of issuance, the estimated fair value is zero. Following issuance, the value of a mortgage loan commitment can be either positive or negative depending upon the change in value of the underlying mortgage loans. Fallout rates derived from the Company’s recent historical empirical data are used to estimate the quantity of mortgage loans that will fund within the terms of the commitments.

 

Bank Loan Interest Rate Swaps: Management considers the interest rate swap instruments to be an effective cash flow hedge against the variable interest rate on bank borrowings since the interest rate swap mirrors the term of the note payable and expires on the maturity date of the bank loan it hedges. The interest rate swaps are a derivative financial instruments carried at its fair value. The fair value of the interest rate swap was derived from a proprietary model of the bank from whom the interest rate swap was purchased and to whom the note is payable.

 

Mortgage Loans on Real Estate: The fair values are estimated using interest rates currently being offered for similar loans to borrowers with similar credit ratings. Loans with similar characteristics are aggregated for purposes of the calculations. The carrying amounts reported in the accompanying condensed consolidated balance sheet for these financial instruments approximate their fair values.

 

Real Estate Held for Investment: The Company believes that in an orderly market, fair value will approximate the replacement cost of a home and the rental income provides a cash flow stream for investment analysis. The Company believes the highest and best use of the properties are as income producing assets since it is the Company’s intent to hold the properties as rental properties, matching the income from the investment in rental properties with the funds required for future estimated policy claims. Accordingly, the fair value determination will be weighted more heavily toward the rental analysis.

 

It should be noted that for replacement cost, when determining the fair value of mortgage properties, the Company uses Marshall and Swift, a provider of building cost information to the real estate construction industry. For the investment analysis, the Company used market data based upon its real estate operation experience and projected the present value of the net rental income over seven years. The Company used 60% of the projected cash flow analysis and 40% of the replacement cost to approximate fair value of the collateral.

 

In addition to this analysis performed by the Company, the Company depreciates Other Real Estate Held for Investment. This depreciation reduces the book value of these properties and lessens the exposure to the Company from further deterioration in real estate values.

 

Mortgage Servicing Rights: The Company initially recognizes MSRs at their estimated fair values derived from the net cash flows associated with the servicing contracts, where the Company assumes the obligation to service the loan in the sale transaction. The precise fair value of MSRs cannot be readily determined because MSRs are not actively traded in stand-alone markets. Considerable judgment is required to estimate the fair values of these assets and the exercise of such judgment can significantly affect the Company’s earnings.

The Company’s subsequent accounting for MSRs is based on the class of MSRs. The Company has identified two classes of MSRs: MSRs backed by mortgage loans with initial term of 30 years and MSRs backed by mortgage loans with initial term of 15 years. The Company distinguishes between these classes of MSRs due to their differing sensitivities to change in value as the result of changes in market. After being initially recorded at fair value, MSRs backed by mortgage loans are accounted for using the amortization method. MSR amortization is determined by amortizing the balance straight-line over an estimated nine year life.

 

The Company periodically assesses MSRs for impairment. Impairment occurs when the current fair value of the MSR falls below the asset’s carrying value (carrying value is the amortized cost reduced by any related valuation allowance). If MSRs are impaired, the impairment is recognized in current-period earnings and the carrying value of the MSRs is adjusted through a valuation allowance.

 

Management periodically reviews the various loan strata to determine whether the value of the MSRs in a given stratum is impaired and likely to recover. When management deems recovery of the value to be unlikely in the foreseeable future, a write-down of the cost of the MSRs for that stratum to its estimated recoverable value is charged to the valuation allowance.

 

The following tables summarize Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a recurring basis by their classification in the condensed consolidated balance sheet at September 30, 2015.

 

 

Total

Quoted Prices in Active Markets for Identical Assets (Level 1)

Significant Observable Inputs (Level 2)

Significant Unobservable Inputs (Level 3)

Assets accounted for at fair value on a recurring basis

Common stock

 $           7,208,726

 $                7,208,726

 $                 -

 $                          -

Total securities available for sale

 $           7,208,726

 $                7,208,726

 $                 -

 $                          -

Restricted assets of cemeteries and mortuaries

 $              670,390

 $                   670,390

 $                 -

 $                          -

Cemetery perpetual care trust investments

                 609,303

                      609,303

                    -

                             -

Derivatives - interest rate lock commitments

              4,756,170

                                  -

                    -

              4,756,170

Total assets accounted for at fair value on a recurring basis

 $         13,244,589

 $                8,488,419

 $                 -

 $           4,756,170

Liabilities accounted for at fair value on a  recurring basis

Policyholder account balances

 $       (50,915,543)

 $                               -

 $                 -

 $        (50,915,543)

Future policy benefits - annuities

          (63,289,669)

                                  -

                    -

           (63,289,669)

   Derivatives  - call options

                   (6,715)

                         (6,715)

                    -

                             -

   - put options

               (103,684)

                     (103,684)

                    -

                             -

   - interest rate lock commitments

               (518,227)

                                  -

                    -

                (518,227)

Total liabilities accounted for at fair value on a recurring basis

 $     (114,833,838)

 $                  (110,399)

 $                 -

 $      (114,723,439)

 

Following is a summary of changes in the condensed consolidated balance sheet line items measured using level 3 inputs:

 

 

Policyholder Account Balances

Future Policy Benefits - Annuities

Interest Rate Lock Commitments

Bank Loan Interest Rate Swaps

Balance - December 31, 2014

 $         (45,310,699)

 $    (65,540,985)

 $         1,929,851

 $         (31,370)

Total gains (losses):

Included in earnings

              (5,604,844)

           2,251,316

                           -

                        -

Included in other comprehensive income (loss)

                           -

                     -

        2,308,092

          31,370

Balance - September 30, 2015

 $         (50,915,543)

 $    (63,289,669)

 $         4,237,943

 $                     -

 

The following tables summarize Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a nonrecurring basis by their classification in the condensed consolidated balance sheet at September 30, 2015.

 

Quoted Prices

in Active

Significant

Significant

Markets for

Observable

Unobservable

Identical Assets

Inputs

Inputs

 

Total

(Level 1)

(Level 2)

(Level 3)

Assets accounted for at fair value on a nonrecurring basis

Mortgage servicing rights

 $     4,674,218

                           -

                   -

 $     4,674,218

Mortgage loans on real estate

           320,000

                         -  

                 -  

           320,000

Total assets accounted for at fair value on a nonrecurring basis

 $     4,994,218

 $                        -

 $                -

 $     4,994,218

 

The following tables summarize Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a recurring basis by their classification in the condensed consolidated balance sheet at December 31, 2014.

 

 

Total

Quoted Prices in Active Markets for Identical Assets (Level 1)

Significant Observable Inputs (Level 2)

Significant Unobservable Inputs (Level 3)

Assets accounted for at fair value on a recurring basis

Common stock

 $          6,752,750

 $         6,752,750

 $                 -

 $                         -

Total securities available for sale

 $          6,752,750

 $         6,752,750

 $                 -

 $                         -

 

Restricted assets of cemeteries and mortuaries

 $             715,202

 $            715,202

 $                 -

 $                         -

Cemetery perpetual care trust investments

                695,235

               695,235

 -

 -

Derivatives - interest rate lock commitments

             2,111,529

 -

 -

             2,111,529

Total assets accounted for at fair value on a recurring basis

 $        10,274,716

 $         8,163,187

 $                 -

 $          2,111,529

Liabilities accounted for at fair value on a recurring basis

Policyholder account balances

 $      (45,310,699)

 $                        -

 $                 -

 $      (45,310,699)

Future policy benefits - annuities

         (65,540,985)

 -

 -

         (65,540,985)

Derivatives - bank loan interest rate swaps

                (31,370)

 -

 -

                (31,370)

                   - call options

              (116,036)

             (116,036)

 -

                            -

                   - put options

                (11,867)

               (11,867)

 -

                            -

                   - interest rate lock commitment

              (181,678)

 -

 -

              (181,678)

Total liabilities accounted for at fair value on a recurring basis

 $    (111,192,635)

 $          (127,903)

 $                 -

 $    (111,064,732)

 

Following is a summary of changes in the condensed consolidated balance sheet line items measured using level 3 inputs:

 

Policyholder Account Balances

Future Policy Benefits - Annuities

Interest Rate Lock Commitments

Bank Loan Interest Rate Swaps

Balance - December 31, 2013

 $     (48,000,668)

 $    (65,052,928)

 $         1,487,908

 $       (58,310)

Total gains (losses):

Included in earnings

            2,689,969

            (488,057)

 -

 -

Included in other

comprehensive income

 -

 -

               441,943

            26,940

Balance - December 31, 2014

 $     (45,310,699)

 $    (65,540,985)

 $         1,929,851

 $       (31,370)

 

 

 

The following tables summarize Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a nonrecurring basis by their classification in the condensed consolidated balance sheet at December 31, 2014.

 

Quoted Prices

in Active

Significant

Significant

Markets for

Observable

Unobservable

Identical Assets

Inputs

Inputs

 

Total

(Level 1)

(Level 2)

(Level 3)

Assets accounted for at fair value on a

nonrecurring basis

Mortgage servicing rights

 $     3,741,381

 -

 -

 $     3,741,381

Real estate held for investment

             53,500

 -

 -

             53,500

Total assets accounted for at fair value on a

   nonrecurring basis

 $     3,794,881

 $                        -

 $                -

 $     3,794,881

 

Fair Value of Financial Instruments Carried at Other Than Fair Value

 

ASC 825, Financial Instruments, requires disclosure of fair value information about financial instruments, whether or not recognized in the balance sheet, for which it is practicable to estimate that value.

 

Management uses its best judgment in estimating the fair value of the Company’s financial instruments; however, there are inherent limitations in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates presented herein are not necessarily indicative of the amounts the Company could have realized in a sales transaction at September 30, 2015 and December 31, 2014. The estimated fair value amounts for September 30, 2015 and December 31, 2014 have been measured as of period-end, and have not been reevaluated or updated for purposes of these Condensed Consolidated Financial Statements subsequent to those dates. As such, the estimated fair values of these financial instruments subsequent to the reporting date may be different than the amounts reported at period-end.

 

The carrying values and estimated fair values for such financial instruments, and their corresponding placement in the fair value hierarchy, are summarized as follows as of September 30, 2015:

 

 

Carrying Value

 

Level 1

 

Level 2

 

Level 3

 

Total Estimated Fair Value

Assets

Mortgage loans:

Residential

 $       46,506,794

 $             -

 $             -

 $       49,579,568

 $       49,579,568

Residential construction

          28,762,546

                -

                -

          28,762,546

          28,762,546

Commercial

          36,413,914

                -

                -

          38,062,674

          38,062,674

Mortgage loans, net

 $     111,683,254

 $             -

 $             -

 $     116,404,788

 $     116,404,788

Policy loans

            7,038,768

                -

                -

            7,038,768

            7,038,768

Other loans

          27,422,787

                -

                -

          27,422,787

          27,422,787

Short-term investments

          19,980,369

                -

                -

          19,980,369

          19,980,369

Liabilities

Bank and other loans payable

 $     (39,535,964)

 $             -

 $             -

 $     (39,535,964)

 $     (39,535,964)

 

The carrying values and estimated fair values for such financial instruments, and their corresponding placement in the fair value hierarchy, are summarized as follows as of December 31, 2014:

 

 

Carrying Value

 

Level 1

 

Level 2

 

Level 3

 

Total Estimated Fair Value

Assets

Mortgage loans:

Residential

 $       51,876,621

 $             -

 $             -

 $       55,247,638

 $       55,247,638

Residential construction

          32,971,824

                -

                -

          32,971,824

          32,971,824

Commercial

          35,201,627

                -

                -

          36,829,266

          36,829,266

Mortgage loans, net

 $     120,050,072

 $             -

 $             -

 $     125,048,728

 $     125,048,728

Policy loans

            7,011,012

                -

                -

            7,011,012

            7,011,012

Other loans

          27,114,416

                -

                -

          27,114,416

          27,114,416

Short-term investments

          27,059,495

                -

                -

          27,059,495

          27,059,495

Liabilities

Bank and other loans payable

 $     (28,989,008)

 $             -

 $             -

 $     (28,989,008)

 $     (28,989,008)

 

The methods, assumptions and significant valuation techniques and inputs used to estimate the fair value of financial instruments are summarized as follows:

 

Mortgage Loans on Real Estate: The estimated fair value of the Company’s mortgage loans is determined using various methods. The Company’s mortgage loans are grouped into three categories: Residential, Residential Construction and Commercial. When estimating the expected future cash flows, it is assumed that all loans will be held to maturity, and any loans that are non-performing are evaluated individually for impairment.

 

Residential – The estimated fair value of mortgage loans originated prior to 2013 is determined by estimating expected future cash flows of interest payments and discounting them using current interest rates from single family mortgages. The estimated fair value of mortgage loans originated in 2013, 2014 and 2015 is determined from pricing of similar loans that were sold in 2013 and 2014.

 

Residential Construction – These loans are primarily short in maturity (4-6 months) accordingly, the estimated fair value is determined to be the net book value.

 

Commercial – The estimated fair value is determined by estimating expected future cash flows of interest payments and discounting them using current interest rates for commercial mortgages.

 

Policy and Other Loans: The carrying amounts reported in the accompanying condensed consolidated balance sheet for these financial instruments approximate their fair values.

 

Short-Term Investments: The carrying amounts reported in the accompanying condensed consolidated balance sheet for these financial instruments approximate their fair values.

 

Bank and Other Loans Payable: The carrying amounts reported in the accompanying condensed consolidated balance sheet for these financial instruments approximate their fair values.
XML 76 R16.htm IDEA: XBRL DOCUMENT v3.3.0.814
9) Derivative Commitments
 9 Months Ended
Sep. 30, 2015
Notes  
9) Derivative Commitments

9)      Derivative Commitments

 

The Company is exposed to price risk due to the potential impact of changes in interest rates on the values of mortgage loan commitments from the time a derivative loan commitment is made to an applicant to the time the loan that would result from the exercise of that loan commitment is funded. Managing price risk is complicated by the fact that the ultimate percentage of derivative loan commitments that will be exercised (i.e., the number of loan commitments that will be funded) fluctuates. The probability that a loan will not be funded within the terms of the commitment is driven by a number of factors, particularly the change, if any, in mortgage rates following the inception of the interest rate lock. However, many borrowers continue to exercise derivative loan commitments even when interest rates have fallen.

 

In general, the probability of funding increases if mortgage rates rise and decreases if mortgage rates fall. This is due primarily to the relative attractiveness of current mortgage rates compared to the applicant’s committed rate. The probability that a loan will not be funded within the terms of the mortgage loan commitment also is influenced by the source of the applications (retail, broker or correspondent channels), proximity to rate lock expiration, purpose for the loan (purchase or refinance) product type and the application approval status. The Company has developed fallout estimates using historical data that take into account all of the variables, as well as renegotiations of rate and point commitments that tend to occur when mortgage rates fall. These fallout estimates are used to estimate the number of loans that the Company expects to be funded within the terms of the mortgage loan commitments and are updated periodically to reflect the most current data.

 

The Company estimates the fair value of a mortgage loan commitment based on the change in estimated fair value of the underlying mortgage loan and the probability that the mortgage loan will fund within the terms of the commitment. The change in fair value of the underlying mortgage loan is measured from the date the mortgage loan commitment is issued. Therefore, at the time of issuance, the estimated fair value is zero. Following issuance, the value of a mortgage loan commitment can be either positive or negative depending upon the change in value of the underlying mortgage loans. Fallout rates derived from the Company’s recent historical empirical data are used to estimate the quantity of mortgage loans that will fund within the terms of the commitments.

 

The Company utilizes forward loan sales commitments to economically hedge the price risk associated with its outstanding mortgage loan commitments. A forward loan sales commitment protects the Company from losses on sales of the loans arising from exercise of the loan commitments by securing the ultimate sales price and delivery date of the loans. Management expects these derivatives will experience changes in fair value opposite to changes in fair value of the derivative loan commitments, thereby reducing earnings volatility related to the recognition in earnings of changes in the values of the commitments.

 

The Company has adopted a strategy of selling “out of the money” call options on its available for sale equity securities as a source of revenue.  The options give the purchaser the right to buy from the Company specified equity securities at a set price up to a pre-determined date in the future.  The Company has adopted the selling of put options as a means of generating cash or purchasing equity securities at lower than current market prices.  The Company receives an immediate payment of cash for the value of the option and establishes a liability for the fair value of the option. The liability for call and put options is adjusted to fair value at each reporting date. The fair value of outstanding call and put options as of September 30, 2015 and December 31, 2014 was $110,399 and $127,903, respectively.  In the event an option is exercised, the Company recognizes a gain on the sale of the equity security and a gain from the sale of the option. If the option expires unexercised, the Company recognizes a gain from the sale of the option.

 

The following table shows the fair value of derivatives as of September 30, 2015 and December 31, 2014.

 

Fair Value of Derivative Instruments

Asset Derivatives

Liability Derivatives

September 30, 2015

December 31, 2014

September 30, 2015

December 31, 2014

Balance Sheet Location

Fair Value

Balance Sheet Location

Fair Value

Balance Sheet Location

Fair Value

Balance Sheet Location

Fair Value

Derivatives designated as hedging instruments:

Interest rate lock and forward sales commitments

other assets

$4,756,170

other assets

$2,111,529

Other liabilities

$   518,227

Other liabilities

$181,678

Call options

--

--

--

--

Other liabilities

          6,715

Other liabilities

      116,036

Put options

--

--

--

--

Other liabilities

      103,684

Other liabilities

        11,867

Interest rate swaps

--

 --

--

--

Bank loans payable

                  -

Bank loans payable

        31,370

Total

$4,756,170

$2,111,529

$   628,626

$340,951

 

The following table shows the gain (loss) on derivatives for the periods presented. There were no gains or losses reclassified from accumulated other comprehensive income (OCI) into income or gains or losses recognized in income on derivatives ineffective portion or any amounts excluded from effective testing.

 

Net Amount Gain (Loss) Recognized in OCI

Net Amount Gain (Loss) Recognized in OCI

Three Months Ended September 30

Nine Months Ended September 30

Derivative - Cash Flow Hedging Relationships:

2015

2014

2015

2014

Interest Rate Lock Commitments

 $      (1,431,809)

 $           (713,276)

 $        2,308,092

 $           525,136

Interest Rate Swaps

                22,659

                    9,655

                31,370

                21,955

Sub Total

         (1,409,150)

              (703,621)

           2,339,462

              547,091

Tax Effect

            (549,569)

              (274,412)

              912,390

              213,366

Total

 $         (859,581)

 $           (429,209)

 $        1,427,072

 $           333,725

XML 77 R64.htm IDEA: XBRL DOCUMENT v3.3.0.814
6) Business Segments: Schedule of Revenues and Expenses by Reportable Segment (Details) - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Sep. 30, 2015
Sep. 30, 2014
Dec. 31, 2014
Revenue from customers $ 75,494,686 $ 61,725,792 $ 215,584,933 $ 166,190,798  
SegmentReportingInformationIncomeLossBeforeIncomeTaxes 7,794,400 3,377,140 17,024,736 7,730,224  
Identifiable Assets 749,395,838 660,512,730 749,395,838 660,512,730  
Goodwill 2,765,570 3,050,761 2,765,570 3,050,761 $ 2,765,570
Life Insurance Segment          
Revenue from customers 23,148,090 21,552,754 65,610,558 59,836,068  
SegmentReportingInformationIntersegmentRevenue 3,206,703 2,407,685 8,884,390 6,825,600  
SegmentReportingInformationIncomeLossBeforeIncomeTaxes 3,655,998 1,986,732 7,175,036 4,833,627  
Identifiable Assets 709,683,255 646,540,190 709,683,255 646,540,190  
Goodwill 2,765,570 2,765,570 2,765,570 2,765,570  
Cemetery and Mortuary          
Revenue from customers 3,123,168 2,707,908 9,436,496 9,283,357  
SegmentReportingInformationIntersegmentRevenue 292,445 331,415 910,016 1,002,027  
SegmentReportingInformationIncomeLossBeforeIncomeTaxes 250,111 (119,548) 811,261 232,141  
Identifiable Assets 100,760,704 106,836,565 100,760,704 106,836,565  
Goodwill   285,191   285,191  
Mortgage          
Revenue from customers 49,223,428 37,465,130 140,537,879 97,071,373  
SegmentReportingInformationIntersegmentRevenue 76,159 166,043 256,950 561,438  
SegmentReportingInformationIncomeLossBeforeIncomeTaxes 3,888,291 1,509,956 9,038,439 2,664,456  
Identifiable Assets 71,954,237 56,961,903 71,954,237 56,961,903  
Significant Reconciling Items          
SegmentReportingInformationIntersegmentRevenue (3,575,307) (2,905,143) (10,051,356) (8,389,065)  
Identifiable Assets $ (133,002,358) $ (149,825,928) $ (133,002,358) $ (149,825,928)  
XML 78 R66.htm IDEA: XBRL DOCUMENT v3.3.0.814
7): Fair Value of Financial Instruments: Schedule of Changes in the consolidated balance sheet line items measured using level 3 inputs (Details) - USD ($)
 9 Months Ended 12 Months Ended
Sep. 30, 2015
Dec. 31, 2014
Policyholder Account Balances    
Fair Value Balance $ (45,310,699) $ (48,000,668)
Fair Value, Losses (Gains) included in earnings (5,604,844) 2,689,969
Fair Value Balance (50,915,543) (45,310,699)
Future Policy Benefits - Annuities    
Fair Value Balance (65,540,985) (65,052,928)
Fair Value, Losses (Gains) included in earnings 2,251,316 (488,057)
Fair Value Balance (63,289,669) (65,540,985)
Interest Rate Lock Commitments    
Fair Value Balance 1,929,851 1,487,908
Fair Value, Losses (Gains) included in other comprehensive income 2,308,092 441,943
Fair Value Balance 4,237,943 1,929,851
Bank Loan Interest Rate Swaps    
Fair Value Balance (31,370) (58,310)
Fair Value, Losses (Gains) included in other comprehensive income $ 31,370 26,940
Fair Value Balance   $ (31,370)
XML 79 R63.htm IDEA: XBRL DOCUMENT v3.3.0.814
5) Earnings Per Share (Details)
 9 Months Ended
Sep. 30, 2014
$ / shares
Details  
Antidilutive Securities Excluded from Computation of Net Income, Per Outstanding Unit, Amount $ 56,912
XML 80 R34.htm IDEA: XBRL DOCUMENT v3.3.0.814
5) Earnings Per Share: Schedule of Earnings Per Share, Basic and Diluted (Tables)
 9 Months Ended
Sep. 30, 2015
Tables/Schedules  
Schedule of Earnings Per Share, Basic and Diluted

 

Three Months Ended September 30

Nine Months Ended September 30

2015

2014

2015

2014

Numerator:

Net earnings

$     4,889,785

$     2,137,822

$     10,605,767

$     4,900,733

Denominator:

Basic weighted-average shares outstanding

      13,146,617

      12,455,314

      13,023,962

      12,487,646

Effect of dilutive securities:

Employee stock options

           628,485

           469,451

                 574,224

               443,704

Diluted weighted-average shares outstanding

      13,775,102

      12,924,765

            13,598,186

          12,931,350

Basic net earnings per share

$0.37

$0.17

$0.81

$0.39

Diluted net earnings per share

$0.35

$0.17

$0.78

$0.38

XML 81 R51.htm IDEA: XBRL DOCUMENT v3.3.0.814
3) Investments: Net carrying amount of held to maturity securities (Details) - Held-to-maturity Securities - USD ($)
 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Net carrying amount for sales of securities $ 2,543,312 $ 1,599,184
Net realized gain related to sales of securities $ 330,373 $ 18,051
XML 82 R21.htm IDEA: XBRL DOCUMENT v3.3.0.814
1) Basis of Presentation: Use of Estimates Policy (Policies)
 9 Months Ended
Sep. 30, 2015
Policies  
Use of Estimates Policy

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 amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates.

 

The estimates susceptible to significant change are those used in determining the liability for future policy benefits and claims, those used in determining valuation allowances for mortgage loans on real estate and construction loans held for investment, those used in determining loan loss reserve, and those used in determining the estimated future costs for pre-need sales. Although some variability is inherent in these estimates, management believes the amounts provided are fairly stated in all material respects.

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3) Investments: Investments Classified by Contractual Maturity Date (Tables)
 9 Months Ended
Sep. 30, 2015
Held-to-maturity Securities  
Investments Classified by Contractual Maturity Date

 

Amortized Cost   

Estimated Fair Value      

Held to Maturity:

 

 

Due in 2015

 $            749,780

 $            753,840

Due in 2016 through 2019

          30,426,998

          33,178,552

Due in 2020 through 2024

          28,926,814

          30,445,969

Due after 2024

          69,589,698

          74,320,814

Mortgage-backed securities

            3,052,011

            3,286,917

Redeemable preferred stock

               612,023

               639,552

Total held to maturity

 $     133,357,324

 $     142,625,644

Available-for-sale Securities  
Investments Classified by Contractual Maturity Date

 

 

  Cost

Estimated Fair Value      

Available for Sale:

Common stock

 $    9,012,605

 $        7,208,726

Total available for sale

 $    9,012,605

 $        7,208,726

XML 84 R49.htm IDEA: XBRL DOCUMENT v3.3.0.814
3) Investments: Investments Classified by Contractual Maturity Date (Details) - USD ($)
Sep. 30, 2015
Dec. 31, 2014
AmortizedCost $ 133,357,324 $ 135,018,347
Represents the monetary amount of HeldToMaturitySecuritiesEstimatedFairValue, as of the indicated date. 142,625,644 150,757,375
Available-for-sale Securities, Amortized Cost Basis 9,012,605  
Represents the monetary amount of AvailableForSaleSecuritiesEstimatedFairValue, as of the indicated date. 7,208,726  
Collateralized Mortgage Backed Securities    
AmortizedCost 3,052,011 4,263,206
Represents the monetary amount of HeldToMaturitySecuritiesEstimatedFairValue, as of the indicated date. 3,286,917 4,556,693
Redeemable Preferred Stock    
AmortizedCost 612,023 612,023
Represents the monetary amount of HeldToMaturitySecuritiesEstimatedFairValue, as of the indicated date. 639,552 $ 634,055
Common Stock    
Available-for-sale Securities, Amortized Cost Basis 9,012,605  
Represents the monetary amount of AvailableForSaleSecuritiesEstimatedFairValue, as of the indicated date. 7,208,726  
Due in 2015    
AmortizedCost 749,780  
Represents the monetary amount of HeldToMaturitySecuritiesEstimatedFairValue, as of the indicated date. 753,840  
Due in 2016 through 2019    
AmortizedCost 30,426,998  
Represents the monetary amount of HeldToMaturitySecuritiesEstimatedFairValue, as of the indicated date. 33,178,552  
Due in 2020 through 2024    
AmortizedCost 28,926,814  
Represents the monetary amount of HeldToMaturitySecuritiesEstimatedFairValue, as of the indicated date. 30,445,969  
Due after 2024    
AmortizedCost 69,589,698  
Represents the monetary amount of HeldToMaturitySecuritiesEstimatedFairValue, as of the indicated date. $ 74,320,814  
XML 85 R41.htm IDEA: XBRL DOCUMENT v3.3.0.814
9) Derivative Commitments: Schedule of Gains and Losses on Derivatives (Tables)
 9 Months Ended
Sep. 30, 2015
Tables/Schedules  
Schedule of Gains and Losses on Derivatives

 

Net Amount Gain (Loss) Recognized in OCI

Net Amount Gain (Loss) Recognized in OCI

Three Months Ended September 30

Nine Months Ended September 30

Derivative - Cash Flow Hedging Relationships:

2015

2014

2015

2014

Interest Rate Lock Commitments

 $      (1,431,809)

 $           (713,276)

 $        2,308,092

 $           525,136

Interest Rate Swaps

                22,659

                    9,655

                31,370

                21,955

Sub Total

         (1,409,150)

              (703,621)

           2,339,462

              547,091

Tax Effect

            (549,569)

              (274,412)

              912,390

              213,366

Total

 $         (859,581)

 $           (429,209)

 $        1,427,072

 $           333,725

XML 86 R5.htm IDEA: XBRL DOCUMENT v3.3.0.814
Comprehensive Income Statement - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Sep. 30, 2015
Sep. 30, 2014
Comprehensive Income Statement        
Net earnings $ 4,889,785 $ 2,137,822 $ 10,605,767 $ 4,900,733
Other comprehensive income (loss):        
Net unrealized gains (losses) on derivative instruments (859,581) (429,209) 1,427,072 333,725
Net unrealized gains (losses) on available for sale securities (619,641) (235,888) (1,013,757) (75,822)
Other comprehensive income (loss) (1,479,222) (665,097) 413,315 257,903
Comprehensive income $ 3,410,563 $ 1,472,725 $ 11,019,082 $ 5,158,636
XML 87 R10.htm IDEA: XBRL DOCUMENT v3.3.0.814
3) Investments
 9 Months Ended
Sep. 30, 2015
Notes  
3) Investments

3)         Investments

 

The Company’s investments in fixed maturity securities held to maturity and equity securities available for sale as of September 30, 2015 are summarized as follows:

Amortized Cost

Gross Unrealized Gains

 Gross Unrealized Losses

 Estimated Fair Value

September 30, 2015

 

 

 

 

Fixed maturity securities held to maturity carried at amortized cost:

Bonds:

U.S. Treasury securities and obligations of U.S. Government agencies

 $         1,860,138

 $          340,699

 $                    -

 $         2,200,837

Obligations of states and political subdivisions

            1,808,183

             220,697

              (2,624)

            2,026,256

Corporate securities including public utilities

        126,024,969

        11,952,326

       (3,505,213)

        134,472,082

Mortgage-backed securities

            3,052,011

             241,761

              (6,855)

            3,286,917

Redeemable preferred stock

               612,023

               27,529

                     -   

               639,552

Total fixed maturity securities held to maturity

 $     133,357,324

 $     12,783,012

 $    (3,514,692)

 $     142,625,644

Cost

Gross Unrealized Gains

Gross Unrealized Losses

Estimated Fair Value

September 30, 2015

 

 

 

 

Equity securities available for sale at estimated fair value:

Common stock:

Industrial, miscellaneous and all other

 $         9,012,605

 $      88,504

 $    (1,892,383)

 $    7,208,726

Total equity securities available for sale at estimated fair value

 $         9,012,605

 $      88,504

 $    (1,892,383)

 $    7,208,726

Mortgage loans on real estate and construction loans held for investment at amortized cost:

Residential

$       48,076,245

Residential construction

          28,862,660

Commercial

          36,601,043

Less: Allowance for loan losses

          (1,856,694)

Total mortgage loans on real estate and construction loans held for investment

$     111,683,254

Real estate held for investment - net of depreciation

$     112,661,696

Policy and other loans at amortized cost:

Policy loans

$         7,038,768

Other loans

          28,311,594

Less: Allowance for doubtful accounts

             (888,807)

Total policy and other loans at amortized cost

$       34,461,555

Short-term investments at amortized cost

$       19,980,369

 

The Company’s investments in fixed maturity securities held to maturity and equity securities available for sale as of December 31, 2014 are summarized as follows:

 

Amortized Cost 

Gross Unrealized Gains

 Gross Unrealized Losses  

 Estimated Fair Value  

December 31, 2014:

 

 

 

 

Fixed maturity securities held to maturity carried at amortized cost:

Bonds:

U.S. Treasury securities and obligations of U.S. Government agencies

 $         1,873,146

 $          345,715

 $                    -

 $         2,218,861

Obligations of states and political subdivisions

            1,736,489

             221,893

              (5,278)

            1,953,104

Corporate securities including public utilities

        126,533,483

        15,841,536

          (980,357)

        141,394,662

Mortgage-backed securities

            4,263,206

             305,381

            (11,894)

            4,556,693

Redeemable preferred stock

               612,023

               22,032

                       -

               634,055

Total fixed maturity securities held to maturity

 $     135,018,347

 $     16,736,557

 $       (997,529)

 $     150,757,375

 

 Cost

Gross Unrealized Gains

Gross Unrealized Losses

Estimated Fair Value

December 31, 2014:

 

 

 

Equity securities available for sale at estimated fair value:

Common stock:

Industrial, miscellaneous and all other

 $     7,179,010

 $    393,873

 $    (820,133)

 $  6,752,750

Total securities available for sale carried at estimated fair value

 $     7,179,010

 $    393,873

 $    (820,133)

 $  6,752,750

Mortgage loans on real estate and construction loans held for investment at amortized cost:

Residential

$    53,592,433

Residential construction

          33,071,938

Commercial

          35,388,756

Less: Allowance for loan losses

          (2,003,055)

Total mortgage loans on real estate and construction loans held for investment

$  120,050,072

Real estate held for investment - net of depreciation

$  111,411,351

Policy and other loans at amortized cost:

Policy loans

$      7,011,012

Other loans

          27,807,829

Less: Allowance for doubtful accounts

             (693,413)

Total policy and other loans at amortized cost

$    34,125,428

Short-term investments at amortized cost

$    27,059,495

 

Fixed Maturity Securities

 

The following tables summarize unrealized losses on fixed maturity securities, which are carried at amortized cost, at September 30, 2015 and December 31, 2014. The unrealized losses were primarily related to interest rate fluctuations. The tables set forth unrealized losses by duration and number of investment positions, together with the fair value of the related fixed maturity securities:

 

 

Unrealized Losses for Less than Twelve Months

 

No. of Investment Positions

 

Unrealized Losses for More than Twelve Months

 

No. of Investment Positions

 

Total Unrealized Loss

At June 30, 2015

 

 

 

 

 

Obligations of states and political subdivisions

 $                    -

0

 $          2,624

1

 $            2,624

Corporate securities including public utilities

        2,798,201

74

         707,012

12

        3,505,213

Mortgage-backed securities

               6,855

2

                     -

0

               6,855

Total unrealized losses

 $     2,805,056

76

 $      709,636

13

 $     3,514,692

Fair Value

$   23,917,114

$   2,327,984

$   26,245,098

At December 31, 2014

Obligations of states and political subdivisions

 $                -

0

 $       5,278

1

 $         5,278

Corporate securities including public utilities

           548,310

21

         432,047

11

           980,357

Mortgage-backed securities

               3,966

1

             7,928

1

             11,894

Total unrealized losses

 $      552,276

22

 $   445,253

13

 $     997,529

Fair Value

$  7,081,352

$ 2,777,587

$  9,858,939

 

As of September 30, 2015, the average market value of the related fixed maturities was 88.2% of amortized cost and the average market value was 90.8% of amortized cost as of December 31, 2014. During the three months ended September 30, 2015 and 2014 an other than temporary decline in fair value resulted in the recognition of credit losses on fixed maturity securities of $30,000 and $30,000, respectively, and for the nine months ended September 30, 2015 and 2014 an other than temporary decline in fair value resulted in the recognition of credit losses on fixed maturity securities of $90,000 and $90,000, respectively.

 

On a quarterly basis, the Company reviews its fixed maturity investment securities related to corporate securities and other public utilities, consisting of bonds and preferred stocks that are in a loss position. The review involves an analysis of the securities in relation to historical values, and projected earnings and revenue growth rates. Based on the analysis, a determination is made whether a security will likely recover from the loss position within a reasonable period of time. If it is unlikely that the investment will recover from the loss position, the loss is considered to be other than temporary, the security is written down to the impaired value and an impairment loss is recognized.

 

Equity Securities

 

The following tables summarize unrealized losses on equity securities that were carried at estimated fair value based on quoted trading prices at September 30, 2015 and December 31, 2014. The unrealized losses were primarily the result of decreases in fair value due to overall equity market declines. The tables set forth unrealized losses by duration and number of investment positions, together with the fair value of the related equity securities available-for-sale in a loss position:

 

 

 

 

Unrealized Losses for Less than Twelve Months

 

No. of Investment Positions

 

Unrealized Losses for More than Twelve Months

 

No. of Investment Positions

 

Total Unrealized Losses

At September 30, 2015

 

 

 

 

 

Industrial, miscellaneous and all other

 $      973,583

273

 $      918,800

66

 $   1,892,383

Total unrealized losses

 $      973,583

273

 $      918,800

66

 $   1,892,383

Fair Value

$   4,723,167

$      802,547

$   5,525,714

At December 31, 2014

Industrial, miscellaneous and all other

 $      327,389

138

 $   492,744

27

 $      820,133

Total unrealized losses

 $      327,389

138

 $   492,744

27

 $      820,133

Fair Value

$   2,162,425

$   676,706

$   2,839,131

 

As of September 30, 2015, the average market value of the equity securities available for sale was 74.5% of the original investment and the average market value was 77.6% of the original investment as of December 31, 2014. The intent of the Company is to retain equity securities for a period of time sufficient to allow for the recovery in fair value. However, the Company may sell equity securities during a period in which the fair value has declined below the amount of the original investment. In certain situations new factors, including changes in the business environment, can change the Company’s previous intent to continue holding a security. During the three months ended September 30, 2015 and 2014, an other than temporary decline in the fair value resulted in the recognition of an impairment loss on equity securities of $26,290 and $-0-, respectively, and for the nine months ended September 30, 2015 and 2014, an other than temporary decline in the fair value resulted in the recognition of an impairment loss on equity securities of $77,497 and $-0-, respectively.

 

On a quarterly basis, the Company reviews its investment in industrial, miscellaneous and all other equity securities that are in a loss position. The review involves an analysis of the securities in relation to historical values, price earnings ratios, projected earnings and revenue growth rates. Based on the analysis a determination is made whether a security will likely recover from the loss position within a reasonable period of time. If it is unlikely that the investment will recover from the loss position, the loss is considered to be other than temporary, the security is written down to the impaired value and an impairment loss is recognized.

 

The fair values of fixed maturity securities are based on quoted market prices, when available. For fixed maturity securities not actively traded, fair values are estimated using values obtained from independent pricing services, or in the case of private placements, are estimated by discounting expected future cash flows using a current market value applicable to the coupon rate, credit and maturity of the investments. The fair values for equity securities are based on quoted market prices.

 

The amortized cost and estimated fair value of fixed maturity securities at September 30, 2015, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because certain borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.

 

Amortized Cost   

Estimated Fair Value      

Held to Maturity:

 

 

Due in 2015

 $            749,780

 $            753,840

Due in 2016 through 2019

          30,426,998

          33,178,552

Due in 2020 through 2024

          28,926,814

          30,445,969

Due after 2024

          69,589,698

          74,320,814

Mortgage-backed securities

            3,052,011

            3,286,917

Redeemable preferred stock

               612,023

               639,552

Total held to maturity

 $     133,357,324

 $     142,625,644

 

The amortized cost and estimated fair value of available for sale securities at September 30, 2015, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because certain borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Equities are valued using the specific identification method.

 

 

  Cost

Estimated Fair Value      

Available for Sale:

Common stock

 $    9,012,605

 $        7,208,726

Total available for sale

 $    9,012,605

 $        7,208,726

 

The Company’s realized gains and losses, other than temporary impairments from investments and other assets, are summarized as follows:

 

Three Months Ended September 30

Nine Months Ended September 30

2015

2014

2015

2014

Fixed maturity securities held to maturity:

Gross realized gains

 $        15,279

 $      211,403

 $      374,337

 $      258,951

Gross realized losses

         (22,796)

         (66,459)

         (82,166)

         (68,742)

Other than temporary impairments

         (30,000)

         (30,000)

         (90,000)

         (90,000)

Securities available for sale:

Gross realized gains

           35,009

           77,386

         165,018

         214,303

Gross realized losses

           (2,521)

         (27,651)

           (3,536)

         (38,918)

Other than temporary impairments

         (26,290)

                   -

         (77,497)

                   -

Other assets:

Gross realized gains

       1,731,939

         352,151

       2,187,271

         720,082

Gross realized losses

        (404,132)

        (116,920)

        (367,306)

        (116,921)

Other than temporary impairments

                   -

        (353,776)

                   -

        (353,776)

Total

$    1,296,488

$        46,134

$    2,106,121

$      524,979

 

The net carrying amount of held to maturity securities sold was $2,543,312 and $1,599,184 for the nine months ended September 30, 2015 and 2014, respectively.  The net realized gain related to these sales was $330,373 and $18,051 for the nine months ended September 30, 2015 and 2014, respectively.

 

There were no investments, aggregated by issuer, in excess of 10% of shareholders’ equity (before net unrealized gains and losses on available for sale securities) at September 30, 2015, other than investments issued or guaranteed by the United States Government.

 

Major categories of net investment income are as follows:

 

Three Months Ended September 30

Nine Months Ended September 30

2015

2014

2015

2014

Fixed maturity securities

 $     2,014,014

 $     2,036,407

 $     6,139,698

 $     6,212,852

Equity securities

            61,238

            73,110

          175,954

          163,109

Mortgage loans on real estate

        1,754,852

        2,216,711

        5,396,016

        5,605,882

Real estate

        2,320,242

        2,125,374

        6,674,594

        6,416,939

Policy loans

          219,916

          195,138

          597,101

          574,393

Short-term investments,  principally gains on sale of mortgage loans and other

        4,777,404

        3,831,378

      13,741,796

        8,512,479

Gross investment income

      11,147,666

      10,478,118

      32,725,159

      27,485,654

Investment expenses

      (2,715,252)

      (2,286,156)

      (7,879,228)

      (6,943,905)

Net investment income

 $     8,432,414

 $     8,191,962

 $   24,845,931

 $   20,541,749

 

Net investment income includes income earned by the restricted assets of the cemeteries and mortuaries of $119,963 and $96,370 for the three months ended September 30, 2015 and 2014, respectively, and $306,449 and $268,729 for the nine months ended September 30, 2015 and 2014, respectively.

 

Net investment income on real estate consists primarily of rental revenue.

 

Investment expenses consist primarily of depreciation, property taxes, operating expenses of real estate and an estimated portion of administrative expenses relating to investment activities.

 

Securities on deposit for regulatory authorities as required by law amounted to $9,065,847 at September 30, 2015 and $8,886,001 at December 31, 2014. The restricted securities are included in various assets under investments on the accompanying condensed consolidated balance sheets.

 

Mortgage Loans

 

Mortgage loans consist of first and second mortgages. The mortgage loans bear interest at rates ranging from 2.0% to 10.5%, maturity dates range from nine months to 30 years and are secured by real estate. Concentrations of credit risk arise when a number of mortgage loan debtors have similar economic characteristics that would cause their ability to meet contractual obligations to be similarly affected by changes in economic conditions. Although the Company has a diversified mortgage loan portfolio consisting of residential mortgages, commercial loans and residential construction loans and requires collateral on all real estate exposures, a substantial portion of its debtors’ ability to honor obligations is reliant on the economic stability of the geographic region in which the debtors do business. At September 30, 2015, the Company had 44%, 17%, 12%, 9%, and 5% of its mortgage loans from borrowers located in the states of Utah, California, Texas, Florida, and Oregon, respectively. The mortgage loans on real estate balances on the consolidated balance sheet are reflected net of an allowance for loan losses of $1,856,694 and $2,003,055 at September 30, 2015 and December 31, 2014, respectively.

 

The following is a summary of the allowance for loan losses as a contra-asset account for the periods presented:

 

Allowance for Credit Losses and Recorded Investment in Mortgage Loans

 

 

Commercial

Residential

Residential Construction

Total

September 30, 2015

Allowance for credit losses:

 

 

 

 

 

 

 

 

Beginning balance - January 1, 2015

 $        187,129

 $     1,715,812

 $        100,114

 $     2,003,055

   Charge-offs

                       -

                       -

                       -

                       -

   Provision

                       -

          (146,361)

                       -

          (146,361)

Ending balance -September 30, 2015

 $        187,129

 $     1,569,451

 $        100,114

 $     1,856,694

Ending balance: individually evaluated for impairment

 $                    -

 $        198,818

 $                    -

 $        198,818

Ending balance: collectively evaluated for impairment

 $        187,129

 $     1,370,634

 $        100,114

 $     1,657,877

Ending balance: loans acquired with deteriorated credit quality

 $                    -

 $                    -

 $                    -

 $                    -

Mortgage loans:

Ending balance

 $   36,601,043

 $   48,076,245

 $   28,862,660

 $ 113,539,948

Ending balance: individually evaluated for impairment

 $                    -

 $     2,989,318

 $                    -

 $     2,989,318

Ending balance: collectively evaluated for impairment

 $   36,601,043

 $   45,086,928

 $   28,862,660

 $ 110,550,631

Ending balance: loans acquired with deteriorated credit quality

 $                    -

 $                    -

 $                    -

 $                    -

December 31, 2014

Allowance for credit losses:

Beginning balance - January 1, 2014

 $        187,129

 $     1,364,847

 $        100,114

 $     1,652,090

   Charge-offs

                       -

            (38,444)

                       -

            (38,444)

   Provision

                       -

           389,409

                       -

           389,409

Ending balance - December 31, 2014

 $        187,129

 $     1,715,812

 $        100,114

 $     2,003,055

Ending balance: individually evaluated for impairment

 $                    -

 $        153,446

 $                    -

 $        153,446

Ending balance: collectively evaluated for impairment

 $        187,129

 $     1,562,366

 $        100,114

 $     1,849,609

Ending balance: loans acquired with deteriorated credit quality

 $                    -

 $                    -

 $                    -

 $                    -

Mortgage loans:

Ending balance

 $   35,388,756

 $   53,592,433

 $   33,071,938

 $ 122,053,127

Ending balance: individually evaluated for impairment

 $                    -

 $     1,556,182

 $        414,499

 $     1,970,681

Ending balance: collectively evaluated for impairment

 $   35,388,756

 $   52,036,251

 $   32,657,439

 $ 120,082,446

Ending balance: loans acquired with deteriorated credit quality

 $                    -

 $                    -

 $                    -

 $                    -

 

The following is a summary of the aging of mortgage loans for the periods presented:

 

Age Analysis of Past Due Mortgage Loans

 

 30-59 Days Past Due

 60-89 Days Past Due

 Greater Than 90 Days (1)

 In Foreclosure (1)

 Total Past Due

 Current

 Total Mortgage Loans

 Allowance for Loan Losses

 Net Mortgage Loans

September 30, 2015

 

 

 

 

 

 

 

 

 

 

Commercial

 $                       -

 $                       -

 $                        -

 $                          -

 $                          -

 $     36,601,043

 $       36,601,043

 $           (187,129)

 $        36,413,914

Residential

           1,183,084

             960,999

          2,207,683

             2,989,318

             7,341,084

          40,735,161

          48,076,245

           (1,569,451)

          46,506,794

Residential   Construction

                           -

                           -

                64,895

                              -

                  64,895

        28,797,765

          28,862,660

                (100,114)

          28,762,546

Total

 $       1,183,084

 $         960,999

 $      2,272,578

 $         2,989,318

 $        7,405,979

 $    106,133,969

 $      113,539,948

 $      (1,856,694)

 $      111,683,254

December 31, 2014

Commercial

 $                       -

 $                       -

 $                        -

 $                          -

 $                          -

 $    35,388,756

 $      35,388,756

 $           (187,129)

 $       35,201,627

Residential

            1,631,142

            1,174,516

           5,464,901

              1,556,182

             9,826,741

        43,765,692

          53,592,433

            (1,715,812)

            51,876,621

Residential   Construction

                           -

                           -

                64,895

                 414,499

               479,394

        32,592,544

           33,071,938

                (100,114)

           32,971,824

Total

 $        1,631,142

 $        1,174,516

 $      5,529,796

 $          1,970,681

 $       10,306,135

 $     111,746,992

 $      122,053,127

 $     (2,003,055)

 $    120,050,072

(1)  Interest income is not recognized on loans past due greater than 90 days or in foreclosure.

 

Impaired Mortgage Loans

 

Impaired mortgage loans include loans with a related specific valuation allowance or loans whose carrying amount has been reduced to the expected collectible amount because the impairment has been considered other than temporary. The recorded investment in and unpaid principal balance of impaired loans along with the related loan specific allowance for losses, if any, for each reporting period and the average recorded investment and interest income recognized during the time the loans were impaired were as follows:

 

Impaired Loans

 Recorded Investment

 Unpaid Principal Balance

 Related Allowance

 Average Recorded Investment

 Interest Income Recognized

September 30, 2015

With no related allowance recorded:

   Commercial

 $                  -

 $                   -

 $                  -

 $                  -

 $                   -

   Residential

                     -

                      -

                     -

                     -

                      -

   Residential construction

                     -

                      -

                     -

                     -

                      -

With an allowance recorded:

   Commercial

 $                  -

 $                   -

 $                  -

 $                  -

 $                   -

   Residential

       2,989,318

       2,989,318

         198,818

       2,989,318

                      -

   Residential construction

                     -

                      -

                     -

                     -

                      -

Total:

   Commercial

 $                  -

 $                   -

 $                  -

 $                  -

 $                   -

   Residential

       2,989,318

       2,989,318

         198,818

       2,989,318

                      -

   Residential construction

                     -

                      -

                     -

                     -

                      -

December 31, 2014

With no related allowance recorded:

   Commercial

 $                  -

 $                   -

 $                  -

 $                  -

 $                   -

   Residential

                     -

                      -

                     -

                     -

                      -

   Residential construction

          414,499

          414,499

                     -

          414,499

                      -

With an allowance recorded:

   Commercial

 $                  -

 $                   -

 $                  -

 $                  -

 $                   -

   Residential

      1,556,182

      1,556,182

         153,446

      1,556,182

                      -

   Residential construction

                     -

                      -

                     -

                     -

                      -

Total:

   Commercial

 $                  -

 $                   -

 $                  -

 $                  -

 $                   -

   Residential

      1,556,182

      1,556,182

         153,446

      1,556,182

                      -

   Residential construction

          414,499

          414,499

                     -

          414,499

                      -

 

Credit Risk Profile Based on Performance Status

 

The Company’s mortgage loan portfolio is monitored based on performance of the loans. Monitoring a mortgage loan increases when the loan is delinquent or earlier if there is an indication of impairment. The Company defines non-performing mortgage loans as loans 90 days past due or on non-accrual status.

 

The Company’s performing and non-performing mortgage loans were as follows:

 

Mortgage Loan Credit Exposure

Credit Risk Profile Based on Payment Activity

 Commercial

 Residential

 Residential Construction

 Total

 

September 30, 2015

December 31, 2014

September 30, 2015

December 31, 2014

September 30, 2015

December 31, 2014

September 30, 2015

December 31, 2014

Performing

 $  36,601,043

 $  35,388,756

 $  42,879,244

 $   46,571,350

 $  28,797,765

 $  32,592,544

 $  108,278,052

 $  114,552,650

Nonperforming

                             -

                              -

           5,197,001

          7,021,083

                64,895

             479,394

            5,261,896

          7,500,477

Total

 $  36,601,043

 $  35,388,756

 $  48,076,245

 $  53,592,433

 $  28,862,660

 $   33,071,938

 $   113,539,948

 $  122,053,127

 

Non-Accrual Mortgage Loans

 

Once a loan is past due 90 days, it is the Company’s policy to end the accrual of interest income on the loan and write off any income that had been accrued. Interest not accrued on these loans totals $571,000 and $535,000 as of September 30, 2015 and December 31, 2014, respectively.

 

The following is a summary of mortgage loans on a nonaccrual status for the periods presented.

 

 

Mortgage Loans on Nonaccrual Status

 

As of September 30 2015

As of December 31 2014

Residential

 $                    5,197,001

 $                   7,021,083

Residential construction

                            64,895

                         479,394

Total

 $                    5,261,896

 $                   7,500,477

 

Loan Loss Reserve

 

The mortgage loan loss reserve is an estimate of probable losses at the balance sheet date that the Company will realize in the future on mortgage loans sold to third party investors.

 

The loan loss reserve analysis involves mortgage loans that have been sold to third party investors where the Company has received a demand from the investor. There are generally three types of demands: make whole, repurchase, or indemnification. These types of demands are more particularly described as follows:

 

Make whole demand – A make whole demand occurs when an investor forecloses on a property and then sells the property. The make whole amount is calculated as the difference between the original unpaid principal balance, accrued interest and fees, less the sale proceeds.

 

Repurchase demand – A repurchase demand usually occurs when there is a significant payment default, error in underwriting or detected loan fraud.

 

Indemnification demand – On certain loans the Company has negotiated a set fee that is to be paid in lieu of repurchase. The fee varies by investor and by loan product type.

 

When a repurchase demand is received from a third party investor, the relevant data is reviewed and captured so that an estimated future loss can be calculated. The key factors that are used in the estimated loss calculation are as follows: (i) lien position, (ii) payment status, (iii) claim type, (iv) unpaid principal balance, (v) interest rate, and (vi) validity of the demand. Other data is captured and is useful for management purposes; the actual estimated loss is generally based on these key factors. The Company conducts its own review upon the receipt of a repurchase demand. In many instances, the Company is able to resolve the issues relating to the repurchase demand by the third party investor without having to make any payments to the investor.

 

The following is a summary of the loan loss reserve that is included in other liabilities and accrued expenses:

 

 

As of September 30 2015

As of December 31 2014

Balance, beginning of period

 $                1,718,150

 $               5,506,532

Provisions for losses

                   4,673,991

                  3,053,403

Charge-offs

                    (640,990)

                (6,841,785)

Balance, end of period

 $                5,751,151

 $               1,718,150

 

The Company believes the loan loss reserve represents probable loan losses incurred as of the balance sheet date. Actual loan loss experience could change, in the near-term, from the established reserve based upon claims that could be asserted by third party investors. SecurityNational Mortgage believes there is potential to resolve any alleged claims by third party investors on acceptable terms. If SecurityNational Mortgage is unable to resolve such claims on acceptable terms, legal action may ensue. In the event of legal action by any third party investor, SecurityNational Mortgage believes it has significant defenses to any such action and intends to vigorously defend itself against such action.

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3) Investments: Schedule Of Credit Risk Of Mortgage Loans Based On Performance Status (Details) - USD ($)
Sep. 30, 2015
Dec. 31, 2014
Mortgage loans $ 113,539,948 $ 122,053,127
Performing Financing Receivable    
Mortgage loans 108,278,052 114,552,650
Nonperforming Financing Receivable    
Mortgage loans 5,261,896 7,500,477
Commercial Loan    
Mortgage loans 36,601,043 35,388,756
Commercial Loan | Performing Financing Receivable    
Mortgage loans 36,601,043 35,388,756
Residential Mortgage    
Mortgage loans 48,076,245 53,592,433
Residential Mortgage | Performing Financing Receivable    
Mortgage loans 42,879,244 46,571,350
Residential Mortgage | Nonperforming Financing Receivable    
Mortgage loans 5,197,001 7,021,083
Residential Construction    
Mortgage loans 28,862,660 33,071,938
Residential Construction | Performing Financing Receivable    
Mortgage loans 28,797,765 32,592,544
Residential Construction | Nonperforming Financing Receivable    
Mortgage loans $ 64,895 $ 479,394
XML 89 R69.htm IDEA: XBRL DOCUMENT v3.3.0.814
7): Fair Value of Financial Instruments: Schedule of Financial Instruments Carried at Other Than Fair Value (Details) - USD ($)
Sep. 30, 2015
Dec. 31, 2014
Carrying Value $ (39,535,964) $ (28,989,008)
Estimated Fair Value (39,535,964) (28,989,008)
Residential Mortgage    
Carrying Value 46,506,794 51,876,621
Estimated Fair Value 49,579,568 55,247,638
Residential Construction    
Carrying Value 28,762,546 32,971,824
Estimated Fair Value 28,762,546 32,971,824
Commercial Loan    
Carrying Value 36,413,914 35,201,627
Estimated Fair Value 38,062,674 36,829,266
MortgageLoansNet1Member    
Carrying Value 111,683,254 120,050,072
Estimated Fair Value 116,404,788 125,048,728
PolicyLoanMember    
Carrying Value 7,038,768 7,011,012
Estimated Fair Value 7,038,768 7,011,012
OtherLoansMember    
Carrying Value 27,422,787 27,114,416
Estimated Fair Value 27,422,787 27,114,416
ShortTermInvestments1Member    
Carrying Value 19,980,369 27,059,495
Estimated Fair Value 19,980,369 27,059,495
Fair Value, Inputs, Level 3    
Estimated Fair Value (39,535,964) (28,989,008)
Fair Value, Inputs, Level 3 | Residential Mortgage    
Estimated Fair Value 49,579,568 55,247,638
Fair Value, Inputs, Level 3 | Residential Construction    
Estimated Fair Value 28,762,546 32,971,824
Fair Value, Inputs, Level 3 | Commercial Loan    
Estimated Fair Value 38,062,674 36,829,266
Fair Value, Inputs, Level 3 | MortgageLoansNet1Member    
Estimated Fair Value 116,404,788 125,048,728
Fair Value, Inputs, Level 3 | PolicyLoanMember    
Estimated Fair Value 7,038,768 7,011,012
Fair Value, Inputs, Level 3 | OtherLoansMember    
Estimated Fair Value 27,422,787 27,114,416
Fair Value, Inputs, Level 3 | ShortTermInvestments1Member    
Estimated Fair Value $ 19,980,369 $ 27,059,495
XML 90 R27.htm IDEA: XBRL DOCUMENT v3.3.0.814
3) Investments: Gain (Loss) on Investments (Tables)
 9 Months Ended
Sep. 30, 2015
Tables/Schedules  
Gain (Loss) on Investments

 

Three Months Ended September 30

Nine Months Ended September 30

2015

2014

2015

2014

Fixed maturity securities held to maturity:

Gross realized gains

 $        15,279

 $      211,403

 $      374,337

 $      258,951

Gross realized losses

         (22,796)

         (66,459)

         (82,166)

         (68,742)

Other than temporary impairments

         (30,000)

         (30,000)

         (90,000)

         (90,000)

Securities available for sale:

Gross realized gains

           35,009

           77,386

         165,018

         214,303

Gross realized losses

           (2,521)

         (27,651)

           (3,536)

         (38,918)

Other than temporary impairments

         (26,290)

                   -

         (77,497)

                   -

Other assets:

Gross realized gains

       1,731,939

         352,151

       2,187,271

         720,082

Gross realized losses

        (404,132)

        (116,920)

        (367,306)

        (116,921)

Other than temporary impairments

                   -

        (353,776)

                   -

        (353,776)

Total

$    1,296,488

$        46,134

$    2,106,121

$      524,979

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Disclosure - 7): Fair Value of Financial Instruments: Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis (Details) Sheet http://securitynational.com/20150930/role/idr_Disclosure7FairValueOfFinancialInstrumentsScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisDetails 7): Fair Value of Financial Instruments: Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis (Details) Details http://securitynational.com/20150930/role/idr_Disclosure7FairValueOfFinancialInstrumentsScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTables 65 false false R66.htm 000660 - Disclosure - 7): Fair Value of Financial Instruments: Schedule of Changes in the consolidated balance sheet line items measured using level 3 inputs (Details) Sheet http://securitynational.com/20150930/role/idr_Disclosure7FairValueOfFinancialInstrumentsScheduleOfChangesInTheConsolidatedBalanceSheetLineItemsMeasuredUsingLevel3InputsDetails 7): Fair Value of Financial Instruments: Schedule of Changes in the consolidated balance sheet line items measured using level 3 inputs (Details) Details http://securitynational.com/20150930/role/idr_Disclosure7FairValueOfFinancialInstrumentsScheduleOfChangesInTheConsolidatedBalanceSheetLineItemsMeasuredUsingLevel3InputsTables 66 false false R67.htm 000670 - Disclosure - 7): Fair Value of Financial Instruments: Schedule of Fair Value Measurements, Nonrecurring (Details) Sheet http://securitynational.com/20150930/role/idr_Disclosure7FairValueOfFinancialInstrumentsScheduleOfFairValueMeasurementsNonrecurringDetails 7): Fair Value of Financial Instruments: Schedule of Fair Value Measurements, Nonrecurring (Details) Details http://securitynational.com/20150930/role/idr_Disclosure7FairValueOfFinancialInstrumentsScheduleOfFairValueMeasurementsNonrecurringTables 67 false false R68.htm 000680 - Disclosure - 7): Fair Value of Financial Instruments (Details) Sheet http://securitynational.com/20150930/role/idr_Disclosure7FairValueOfFinancialInstrumentsDetails 7): Fair Value of Financial Instruments (Details) Details http://securitynational.com/20150930/role/idr_Disclosure7FairValueOfFinancialInstrumentsScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTables 68 false false R69.htm 000690 - Disclosure - 7): Fair Value of Financial Instruments: Schedule of Financial Instruments Carried at Other Than Fair Value (Details) Sheet http://securitynational.com/20150930/role/idr_Disclosure7FairValueOfFinancialInstrumentsScheduleOfFinancialInstrumentsCarriedAtOtherThanFairValueDetails 7): Fair Value of Financial Instruments: Schedule of Financial Instruments Carried at Other Than Fair Value (Details) Details http://securitynational.com/20150930/role/idr_Disclosure7FairValueOfFinancialInstrumentsScheduleOfFinancialInstrumentsCarriedAtOtherThanFairValueTables 69 false false R70.htm 000700 - Disclosure - 9) Derivative Commitments (Details) Sheet http://securitynational.com/20150930/role/idr_Disclosure9DerivativeCommitmentsDetails 9) Derivative Commitments (Details) Details http://securitynational.com/20150930/role/idr_Disclosure9DerivativeCommitmentsScheduleOfDerivativeAssetsAtFairValueTables 70 false false R71.htm 000710 - Disclosure - 9) Derivative Commitments: Schedule of Derivative Assets at Fair Value (Details) Sheet http://securitynational.com/20150930/role/idr_Disclosure9DerivativeCommitmentsScheduleOfDerivativeAssetsAtFairValueDetails 9) Derivative Commitments: Schedule of Derivative Assets at Fair Value (Details) Details http://securitynational.com/20150930/role/idr_Disclosure9DerivativeCommitmentsScheduleOfDerivativeAssetsAtFairValueTables 71 false false R72.htm 000720 - Disclosure - 9) Derivative Commitments: Schedule of Gains and Losses on Derivatives (Details) Sheet http://securitynational.com/20150930/role/idr_Disclosure9DerivativeCommitmentsScheduleOfGainsAndLossesOnDerivativesDetails 9) Derivative Commitments: Schedule of Gains and Losses on Derivatives (Details) Details http://securitynational.com/20150930/role/idr_Disclosure9DerivativeCommitmentsScheduleOfGainsAndLossesOnDerivativesTables 72 false false R73.htm 000730 - Disclosure - 10) Reinsurance, Commitments and Contingencies: Mortgage Loan Loss Settlements (Details) Sheet http://securitynational.com/20150930/role/idr_Disclosure10ReinsuranceCommitmentsAndContingenciesMortgageLoanLossSettlementsDetails 10) Reinsurance, Commitments and Contingencies: Mortgage Loan Loss Settlements (Details) Details 73 false false R74.htm 000740 - Disclosure - 10) Reinsurance, Commitments and Contingencies: Other Contingencies and Commitments (Details) Sheet http://securitynational.com/20150930/role/idr_Disclosure10ReinsuranceCommitmentsAndContingenciesOtherContingenciesAndCommitmentsDetails 10) Reinsurance, Commitments and Contingencies: Other Contingencies and Commitments (Details) Details 74 false false R75.htm 000750 - Disclosure - 11) Mortgage Servicing Rights: Schedule of Mortgage Servicing Rights (Details) Sheet http://securitynational.com/20150930/role/idr_Disclosure11MortgageServicingRightsScheduleOfMortgageServicingRightsDetails 11) Mortgage Servicing Rights: Schedule of Mortgage Servicing Rights (Details) Details http://securitynational.com/20150930/role/idr_Disclosure11MortgageServicingRightsScheduleOfMortgageServicingRightsTables 75 false false R76.htm 000760 - Disclosure - 12) Mergers, Acquisitions and Dispositions Disclosures: Schedule of pro forma financial information (Details) Sheet http://securitynational.com/20150930/role/idr_Disclosure12MergersAcquisitionsAndDispositionsDisclosuresScheduleOfProFormaFinancialInformationDetails 12) Mergers, Acquisitions and Dispositions Disclosures: Schedule of pro forma financial information (Details) Details http://securitynational.com/20150930/role/idr_Disclosure12MergersAcquisitionsAndDispositionsDisclosuresScheduleOfProFormaFinancialInformationTables 76 false false All Reports Book All Reports In ''Balance Sheet'', column(s) 3 are contained in other reports, so were removed by flow through suppression. snfca-20150930.xml snfca-20150930_cal.xml snfca-20150930_def.xml snfca-20150930_lab.xml snfca-20150930_pre.xml snfca-20150930.xsd true true XML 92 R74.htm IDEA: XBRL DOCUMENT v3.3.0.814
10) Reinsurance, Commitments and Contingencies: Other Contingencies and Commitments (Details)
Sep. 30, 2015
USD ($)
Details  
Commitments to fund new residential construction loans $ 48,354,000
Commitments to fund new residential construction loans funded $ 28,863,000
XML 93 R38.htm IDEA: XBRL DOCUMENT v3.3.0.814
7): Fair Value of Financial Instruments: Schedule of Fair Value Measurements, Nonrecurring (Tables)
 9 Months Ended
Sep. 30, 2015
AsOfSeptember302015Member  
Schedule of Fair Value Measurements, Nonrecurring

 

Quoted Prices

in Active

Significant

Significant

Markets for

Observable

Unobservable

Identical Assets

Inputs

Inputs

 

Total

(Level 1)

(Level 2)

(Level 3)

Assets accounted for at fair value on a nonrecurring basis

Mortgage servicing rights

 $     4,674,218

                           -

                   -

 $     4,674,218

Mortgage loans on real estate

           320,000

                         -  

                 -  

           320,000

Total assets accounted for at fair value on a nonrecurring basis

 $     4,994,218

 $                        -

 $                -

 $     4,994,218

AsOfDecember312014Member  
Schedule of Fair Value Measurements, Nonrecurring

 

Quoted Prices

in Active

Significant

Significant

Markets for

Observable

Unobservable

Identical Assets

Inputs

Inputs

 

Total

(Level 1)

(Level 2)

(Level 3)

Assets accounted for at fair value on a

nonrecurring basis

Mortgage servicing rights

 $     3,741,381

 -

 -

 $     3,741,381

Real estate held for investment

             53,500

 -

 -

             53,500

Total assets accounted for at fair value on a

   nonrecurring basis

 $     3,794,881

 $                        -

 $                -

 $     3,794,881

XML 94 R20.htm IDEA: XBRL DOCUMENT v3.3.0.814
1) Basis of Presentation: Accounting Policy (Policies)
 9 Months Ended
Sep. 30, 2015
Policies  
Accounting Policy

The accompanying unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and with the instructions to Form 10 Q and Articles 8 and 10 of Regulation S X. Accordingly, they do not include all of the information and disclosures required by accounting principles generally accepted in the United States of America for complete financial statements. These financial statements should be read in conjunction with the consolidated financial statements of the Company and notes thereto for the year ended December 31, 2014, included in the Company’s Annual Report on Form 10-K (file number 000-09341). In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Operating results for the nine months ended September 30, 2015 are not necessarily indicative of the results that may be expected for the year ending December 31, 2015.