0001144204-19-026294.txt : 20190515 0001144204-19-026294.hdr.sgml : 20190515 20190515104637 ACCESSION NUMBER: 0001144204-19-026294 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 69 CONFORMED PERIOD OF REPORT: 20190331 FILED AS OF DATE: 20190515 DATE AS OF CHANGE: 20190515 FILER: COMPANY DATA: COMPANY CONFORMED NAME: UNITED BANCORP INC /OH/ CENTRAL INDEX KEY: 0000731653 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 341405357 STATE OF INCORPORATION: OH FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 000-16540 FILM NUMBER: 19825952 BUSINESS ADDRESS: STREET 1: 201 SOUTH FOURTH STREET STREET 2: P O BOX 10 CITY: MARTINS FERRY STATE: OH ZIP: 43935 BUSINESS PHONE: 7406330445 MAIL ADDRESS: STREET 1: 201 SOUTH FOURTH STREET STREET 2: P O BOX 10 CITY: MARTINS FERRY STATE: OH ZIP: 43935 10-Q 1 tv521021_10q.htm FORM 10-Q

 

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

FORM 10-Q

 

(Mark One)

 

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

 

For the quarterly period ended           March 31, 2019         

 

OR

 

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

 

For the transition period from ____________ to _______________

 

Commission File Number:          0-16540         

 

        UNITED BANCORP, INC.        

 

(Exact name of registrant as specified in its charter)

 

Ohio   34-1405357
(State or other jurisdiction of   (IRS Employer Identification No.)
incorporation or organization)    

 

201 South Fourth Street, Martins Ferry, Ohio 43935-0010

 

(Address of principal executive offices)

 

(740) 633-0445

 

(Registrant’s telephone number, including area code)

 

N/A

 

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

 

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

 

Yes x No  ¨

 

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

 

Yes x No  ¨

 

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

 

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

 

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

 

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

 

Yes ¨ No  x

 

Title of each class   Trading Symbol(s)   Name of each exchange on which registered
Common Stock, Par Value $1.00 a share   UBCP   NASDQ Capital Market

 

Indicate the number of shares outstanding of the issuer’s classes of common stock as of the latest practicable date: As of May 6, 2019, 5,737,219 shares of the Company’s common stock, $1.00 par value, were issued and outstanding.

 

 

 

 

 

 

PART I - FINANCIAL INFORMATION  
     
Item 1 Condensed Consolidated Balance Sheets 3
     
  Condensed Consolidated Statements of Income 4
     
  Condensed Consolidated Statements of Comprehensive Income 5
     
  Condensed Consolidated Statements of Stockholders’ Equity 6
     
  Condensed Consolidated Statements of Cash Flows 7
     
  Notes to Condensed Consolidated Financial Statements 8
     
Item 2 Management’s Discussion and Analysis of Financial Condition and Results of Operations 37
     
Item 3 Quantitative and Qualitative Disclosures About Market Risk 45
     
Item 4 Controls and Procedures 46
     
PART II - OTHER INFORMATION  
     
Item 1 Legal Proceedings 47
     
Item 1A Risk Factors 47
     
Item 2 Unregistered Sales of Equity Securities and Use of Proceeds 47
     
Item 3 Defaults Upon Senior Securities 47
     
Item 4 Other Information 48
     
Item 5 Exhibits 48
     
SIGNATURES 49

 

 2

 

 

ITEM 1. Financial Statements

 

United Bancorp, Inc.

Condensed Consolidated Balance Sheets 

(In thousands, except share data)

 

   March 31,   December 31, 
  2019   2018 
   (Unaudited)     
Assets          
Cash and due from banks  $5,206   $15,573 
Interest-bearing demand deposits   27,486    9,680 
Cash and cash equivalents   32,692    25,253 
Available-for-sale securities   139,318    123,991 
Loans, net of allowance for loan losses of $2,083 and $2,043 at March 31, 2019 and December 31, 2018, respectively   411,813    407,640 
Premises and equipment   12,197    12,117 
Federal Home Loan Bank stock   4,012    4,243 
Foreclosed assets held for sale, net   91    91 
Core deposit and other intangible assets   1,655    1,692 
Accrued interest receivable   2,104    1,798 
Bank-owned life insurance   12,948    13,115 
Other assets   4,178    3,273 
Total assets  $621,008   $593,213 
Liabilities and Stockholders’ Equity          
Liabilities          
Deposits          
Demand  $315,067   $309,505 
Savings   110,924    111,251 
Time   112,940    104,687 
Total deposits   538,931    525,443 
Securities sold under repurchase agreements   13,441    8,068 
Federal Home Loan Bank advances   80    106 
Subordinated debentures   4,124    4,124 
Deferred federal income tax   507    219 
Interest payable and other liabilities   10,139    4,610 
Total liabilities   567,222    542,570 
Stockholders’ Equity          
Preferred stock, no par value, authorized 2,000,000 shares;
no shares issued
       –– 
Common stock, $1 par value; authorized 10,000,000 shares; issued 5,926,851 shares at March 31, 2019, and 5,926,851 shares at December 31, 2018;  outstanding – 5,737,219 and 5,739,203 shares at March 31, 2019 and December 31, 2018, respectively   5,927    5,927 
Additional paid-in capital   22,826    22,556 
Retained earnings   25,153    24,321 
Stock held by deferred compensation plan; 160,008 and 182,457 shares at March 31, 2019 and December 31, 2018   (1,932)   (1,701)
Unearned ESOP compensation   (335)   (404)
Accumulated other comprehensive loss   2,460    (10)
Treasury stock, at cost 29,024 and 5,744 shares at March 31, 2019 and December 31, 2018, respectively   (313)   (46)
Total stockholders’ equity   53,786    50,643 
Total liabilities and stockholders’ equity  $621,008   $593,213 

 

See Notes to Condensed Consolidated Financial Statements

 

 3

 

 

United Bancorp, Inc. 

Condensed Consolidated Statements of Income 

Three Months Ended March 31, 2019 and 2018 

(In thousands, except per share data) 

(Unaudited)

 

   2019   2018 
Interest and Dividend Income          
Loans, including fees  $5,235   $4,331 
Securities          
Taxable   205    174 
Non-taxable   724    32 
Federal funds sold   85    27 
Dividends on Federal Home Loan Bank and other stock   66    61 
Total interest and dividend income   6,315    4,625 
Interest Expense          
Deposits   1,126    457 
Borrowings   81    66 
Total interest expense   1,207    523 
Net Interest Income   5,108    4,102 
Provision for Loan Losses   90    57 
Net Interest Income After Provision for Loan Losses   5,018    4,045 
Noninterest Income          
Service charges on deposit accounts   713    631 
Realized gains on sales of loans   4    14 
Other income   228    235 
Total noninterest income   945    880 
Noninterest Expense          
Salaries and employee benefits   2,183    1,832 
Occupancy and equipment   550    540 
Loss on sale of foreclosed assets       13 
Professional services   303    192 
FDIC insurance   52    49 
Insurance   111    103 
Franchise and other taxes   105    96 
Advertising   137    137 
Stationery and office supplies   42    36 
Other expenses   679    581 
Total noninterest expense   4,162    3,579 
Income Before Federal Income Taxes   1,801    1,346 
Provision for Federal Income Taxes   187    198 
Net Income  $1,614   $1,148 
Basic Earnings Per Share  $0.28   $0.23 
Diluted Earnings Per Share  $0.28   $0.23 
Dividends Per Share  $0.13   $0.13 

 

See Notes to Condensed Consolidated Financial Statements

 

 4

 

 

United Bancorp, Inc. 

Condensed Consolidated Statements of Comprehensive Income 

Three Months Ended March 31, 2019 and 2018 

(In thousands, except per share data) 

(Unaudited)

 

   2019   2018 
         
Net Income  $1,614   $1,148 
Other comprehensive income, net of related tax effects          
           
Unrealized holding gain (loss) on securities during the period, net of  taxes (benefits) of $656 and ($44) in 2019 and 2018, respectively   2,470    (170)
           
Comprehensive Income  $4,084   $978 

 

See Notes to Condensed Consolidated Financial Statements

 

 5

 

 

United Bancorp, Inc. 

Consolidated Statements of Stockholders’ Equity 

Three Months Ended March 31, 2019 and 2018 

(In thousands except per share data)

(Unaudited)

 

           Treasury   Shares       Accumulated     
       Additional   Stock and   Acquired       Other     
   Common   Paid-in   Deferred   By   Retained   Comprehensive     
   Stock   Capital   Compensation   ESOP   Earnings   Loss   Total 
Balance, January 1, 2018  $5,435   $18,020   $(1,717)  $(683)  $23,260   $(420)  $43,895 
                                    
Net income   ––    ––    ––    ––    1,148    ––    1,148 
Other comprehensive loss   ––    ––    ––    ––    ––    (207)   (207)
Cash dividends - $0.13 per share   ––    ––    ––    ––    (683)   ––    (683)
Shares purchased for deferred compensation plan   ––    (128)   128    ––    ––    ––    –– 
Expense related to share-based compensation plans   ––    52    ––    ––    ––    ––    52 
Restricted stock activity   125    (125)       ––    ––    ––     
Amortization of ESOP   ––        ––    69    ––    ––    69 
                                    
Balance, March 31, 2018   5,560    17,819    (1,589)   (614)   23,725    (627)   44,274 
                                    
Balance January 1, 2019   5,927    22,556    (1,747)   (404)   24,321    (10)   50,643 
Net income   ––    ––    ––    ––    1,614    ––    1,614 
Other comprehensive income   ––    ––    ––    ––    ––    2,470    2,470 
Cash dividends - $0.1325 per share   ––    ––    ––    ––    (782)   ––    (782)
Shares sold for deferred compensation plan   ––    231    (231)   ––    ––    ––    –– 
Repurchase of common stock   ––        (267)   ––    ––    ––    (267)
Expense related to share-based compensation plans   ––    39    ––    ––    ––    ––    39 
Amortization of ESOP   ––        ––    69    ––    ––    69 
                                    
Balance, March 31, 2019  $5,927   $22,826   $(2,245)  $(335)  $25,153   $2,460   $53,786 

 

 6

 

 

United Bancorp, Inc. 

Condensed Consolidated Statements of Cash Flows 

Three Months Ended March 31, 2019 and 2018 

(In thousands) 

(Unaudited)

 

   2019   2018 
Operating Activities          
Net income  $1,614   $1,148 
Items not requiring (providing) cash          
Depreciation and amortization   250    238 
Amortization of intangible asset   37     
Premium amortization on securities   66    3 
Provision for loan losses   90    57 
Gain on sale of loans   (4)   (14)
Expense related to share based compensation programs   40     
Increase in value of bank-owned life insurance   167    (77)
Amortization of mortgage servicing rights       2 
Originations of loans held for sale   (215)   (1,208)
Proceeds from sale of loans held for sale   219    1,222 
Loss on sale of foreclosed assets       13 
Expense related to share-based compensation plans and ESOP   69    121 
Net change in accrued interest receivable and other assets   (807)   (75)
Net change in accrued expenses and other liabilities   (683)   (603)
           
Net cash provided by operating activities   843    827 
           
Investing Activities          
Purchase of available-for-sale securities   (9,833)   (18,107)
Proceeds from maturity of available-for-sale securities   3,000     
Net change in loans   (4,258)   (1,936)
Redemption of FHLB Stock   231     
Purchases of premises and equipment   (330)   (413)
           
Net cash used in investing activities   (11,190)   (20,456)
           
Financing Activities          
Net change in deposits  $13,488   $18,097 
Net change in securities sold under repurchase agreements   5,373    4,498 
Repayment of Federal Home Loan Bank advances   (26)   (1,827)
Treasury Stock   (267)    
Cash dividends paid   (782)   (683)
           
Net cash provided by financing activities   17,786    20,085 
           
Increase in Cash and Cash Equivalents   7,439    456 
           
Cash and Cash Equivalents, Beginning of Period   25,253    14,315 
           
Cash and Cash Equivalents, End of Period  $32,692   $14,771 
           
Supplemental Cash Flows Information          
Interest paid on deposits and borrowings  $1,218   $517 
Purchases of available-for-sale securities not settled  $5,465   $ 

 

See Notes to Condensed Consolidated Financial Statements

 

 7

 

 

United Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

(Unaudited) 

 

Note 1:Summary of Significant Accounting Policies

 

These interim financial statements are prepared without audit and reflect all adjustments which, in the opinion of management, are necessary to present fairly the financial position of United Bancorp, Inc. (“Company”) at March 31, 2019, and its results of operations and cash flows for the interim periods presented. All such adjustments are normal and recurring in nature. The accompanying condensed consolidated financial statements have been prepared in accordance with the instructions for Form 10-Q and, therefore, do not purport to contain all the necessary financial disclosures required by accounting principles generally accepted in the United States of America that might otherwise be necessary in the circumstances and should be read in conjunction with the Company’s consolidated financial statements and related notes for the year ended December 31, 2017 included in its Annual Report on Form 10-K. Reference is made to the accounting policies of the Company described in the Notes to the Consolidated Financial Statements contained in its Annual Report on Form 10-K. The results of operations for the three months ended March 31, 2018, are not necessarily indicative of the results to be expected for the full year. The condensed consolidated balance sheet of the Company as of December 31, 2018 has been derived from the audited consolidated balance sheet of the Company as of that date.

 

Principles of Consolidation

 

The consolidated financial statements include the accounts of United Bancorp, Inc. (“United” or “the Company”) and its wholly-owned subsidiary, Unified Bank of Martins Ferry, Ohio (“the Bank”). All intercompany transactions and balances have been eliminated in consolidation.

 

Nature of Operations

 

The Company’s revenues, operating income and assets are almost exclusively derived from banking. Accordingly, all of the Company’s banking operations are considered by management to be aggregated in one reportable operating segment. Customers are mainly located in Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson and Tuscarawas Counties and the surrounding localities in northeastern, east-central and southeastern Ohio and include a wide range of individuals, businesses and other organizations. Unified Bank conducts its business through its main office in Martins Ferry, Ohio and branches in Amesville, Bridgeport, Colerain, Dellroy, Dillonvale, Dover, Glouster, Jewett, Lancaster Downtown, Lancaster East, Nelsonville, New Philadelphia, Powhatan, St. Clairsville East, St. Clairsville West, Sherrodsville, Strasburg and Tiltonsville, Ohio. The Bank also operates a Loan Production Office in Wheeling, West Virginia.

 

The Company’s primary deposit products are checking, savings and term certificate accounts and its primary lending products are residential mortgage, commercial and installment loans. Substantially all loans are secured by specific items of collateral including business assets, consumer assets and real estate. Commercial loans are expected to be repaid from cash flow from operations of businesses. Real estate loans are secured by both residential and commercial real estate. Net interest income is affected by the relative amount of interest-earning assets and interest-bearing liabilities and the interest received or paid on these balances. The level of interest rates paid or received by the Company can be significantly influenced by a number of environmental factors, such as governmental monetary and fiscal policies, that are outside of management’s control.

 

 8

 

 

United Bancorp, Inc. 

Notes to Condensed Consolidated Financial Statements 

(Unaudited)

 

Revenue Recognition

 

Accounting Standards Codification ("ASC") 606, Revenue from Contracts with Customers ("ASC 606"), establishes principles for reporting information about the nature, amount, timing and uncertainty of revenue and cash flows arising from the entity's contracts to provide goods or services to customers. The core principle requires an entity to recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration that it expects to be entitled to receive in exchange for those goods or services recognized as performance obligations are satisfied. 

 

The majority of our revenue-generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as our loans, investment securities, as well as revenue related to our mortgage banking activities, as these activities are subject to other GAAP discussed elsewhere within our disclosures.

 

Descriptions of our revenue-generating activities that are within the scope of ASC 606, which are presented in our income statements as components of non-interest income are as follows:

 

Service charges on deposit accounts - these represent general service fees for monthly account maintenance and activity- or transaction-based fees and consist of transaction-based revenue, time-based revenue (service period), item-based revenue or some other individual attribute-based revenue. Revenue is recognized when our performance obligation is completed which is generally monthly for account maintenance services or when a transaction has been completed (such as a wire transfer). Payment for such performance obligations are generally received at the time the performance obligations are satisfied.

 

Use of Estimates

 

To prepare financial statements in conformity with accounting principles generally accepted in the United States of America, management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided and future results could differ. The allowance for loan losses and fair values of financial instruments are particularly subject to change.

 

Loans

 

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

 

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

 

 9

 

 

United Bancorp, Inc. 

Notes to Condensed Consolidated Financial Statements 

(Unaudited)

 

For all loan classes, the accrual of interest is discontinued at the time the loan is 90 days past due unless the credit is well-secured and in process of collection. Past due status is based on contractual terms of the loan. For all loan classes, the entire balance of the loan is considered past due if the minimum payment contractually required to be paid is not received by the contractual due date. For all loan classes, loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful.

 

Management’s general practice is to proactively charge down loans individually evaluated for impairment to the fair value of the underlying collateral. Consistent with regulatory guidance, charge-offs on all loan segments are taken when specific loans, or portions thereof, are considered uncollectible. The Company’s policy is to promptly charge these loans off in the period the uncollectible loss is reasonably determined.

 

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

 

The Company charges-off residential and consumer loans when the Company reasonably determines the amount of the loss. The Company adheres to timeframes established by applicable regulatory guidance which provides for the charge-down of 1-4 family first and junior lien mortgages to the net realizable value less costs to sell when the loan is 120 days past due, charge-off of unsecured open-end loans when the loan is 120 days past due, and charge down to the net realizable value when other secured loans are 120 days past due. Loans at these respective delinquency thresholds for which the Company can clearly document that the loan is both well-secured and in the process of collection, such that collection will occur regardless of delinquency status, need not be charged off.

 

 10

 

 

United Bancorp, Inc. 

Notes to Condensed Consolidated Financial Statements 

(Unaudited)

 

For all classes, all interest accrued but not collected for loans that are placed on nonaccrual or charged off are reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Nonaccrual loans are returned to accrual status when, in the opinion of management, the financial position of the borrower indicates there is no longer any reasonable doubt as to the timely collection of interest or principal. The Company requires a period of satisfactory performance of not less than six months before returning a nonaccrual loan to accrual status.

 

When cash payments are received on impaired loans in each loan class, the Company records the payment as interest income unless collection of the remaining recorded principal amount is doubtful, at which time payments are used to reduce the principal balance of the loan. Troubled debt restructured loans recognize interest income on an accrual basis at the renegotiated rate if the loan is in compliance with the modified terms, no principal reduction has been granted and the loan has demonstrated the ability to perform in accordance with the renegotiated terms for a period of at least six months.

 

Allowance for Loan Losses

 

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

 

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

 

The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired. For those loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-impaired loans and is based on historical charge-off experience by segment. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the prior five years. Management believes the five year historical loss experience methodology is appropriate in the current economic environment. Other adjustments (qualitative/environmental considerations) for each segment may be added to the allowance for each loan segment after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss or risk rating data.

 

 11

 

 

United Bancorp, Inc. 

Notes to Condensed Consolidated Financial Statements 

(Unaudited)

 

A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due based on the loan’s current payment status and the borrower’s financial condition including available sources of cash flows. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.

 

Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for non-homogenous type loans such as commercial, non-owner residential and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent. For impaired loans where the Company utilizes the discounted cash flows to determine the level of impairment, the Company includes the entire change in the present value of cash flows as bad debt expense.

 

The fair values of collateral dependent impaired loans are based on independent appraisals of the collateral. In general, the Company acquires an updated appraisal upon identification of impairment and annually thereafter for commercial, commercial real estate and multi-family loans. If the most recent appraisal is over a year old, and a new appraisal is not performed, due to lack of comparable values or other reasons, the existing appraisal is utilized and discounted generally 10% -35% based on the age of the appraisal, condition of the subject property, and overall economic conditions. After determining the collateral value as described, the fair value is calculated based on the determined collateral value less selling expenses. The potential for outdated appraisal values is considered in our determination of the allowance for loan losses through our analysis of various trends and conditions including the local economy, trends in charge-offs and delinquencies, etc. and the related qualitative adjustments assigned by the Company.

 

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

 

In the course of working with borrowers, the Company may choose to restructure the contractual terms of certain loans. In this scenario, the Company attempts to work-out an alternative payment schedule with the borrower in order to optimize collectability of the loan. Any loans that are modified are reviewed by the Company to identify if a troubled debt restructuring (“TDR”) has occurred, which is when, for economic or legal reasons related to a borrower’s financial difficulties, the Company grants a concession to the borrower that it would not otherwise consider. Terms may be modified to fit the ability of the borrower to repay in line with its current financial status and the restructuring of the loan may include the transfer of assets from the borrower to satisfy the debt, a modification of loan terms, or a combination of the two. If such efforts by the Company do not result in a satisfactory arrangement, the loan is referred to legal counsel, at which time foreclosure proceedings are initiated. At any time prior to a sale of the property at foreclosure, the Company may terminate foreclosure proceedings if the borrower is able to work-out a satisfactory payment plan.

 

 12

 

 

United Bancorp, Inc. 

Notes to Condensed Consolidated Financial Statements 

(Unaudited)

 

It is the Company’s policy to have any restructured loans which are on nonaccrual status prior to being restructured remain on nonaccrual status until six months of satisfactory borrower performance at which time management would consider its return to accrual status. If a loan was accruing at the time of restructuring, the Company reviews the loan to determine if it is appropriate to continue the accrual of interest on the restructured loan.

 

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

 

Earnings Per Share

 

Earnings per share (EPS) were computed as follows:

 

   Three Months Ended March 31, 2019 
  

Net

Income

  

Weighted-

Average

Shares

  

Per Share

Amount

 
   (In thousands)         
                
Net income  $1,614           
                
Less allocated earnings on non-vested restricted stock   (27)          
                
Less allocated dividends on non-vested restricted stock   (23)          
                
Net income allocated to common stockholders   1,564           
         5,515,418      
Basic and diluted earnings per share            $0.28 

 

   Three Months Ended March 31, 2018 
  

Net

Income

  

Weighted-

Average

Shares

  

Per Share

Amount

 
   (In thousands)         
                
Net income  $1,148           
                
Less allocated earnings on non-vested restricted stock   (14)          
                
Less dividends on non-vested restricted stock   (23)          
                
Net income allocated to common stockholders   1,111           
         4,874,479      
Basic and diluted earnings per share            $0.23 

 

During 2018, earnings per share began to be presented using the two-class method. This two class method is an earnings allocation method under which earnings per share is calculated for common stock and participating securities, considering both dividends declared and participation rights in undistributed earnings as if all such earnings had been distributed during the period. Basic earnings per share were previously disclosed at $0.22 and diluted earnings per share at $0.22 for the 3 months ended March 31, 2018.

 

 13

 

 

United Bancorp, Inc. 

Notes to Condensed Consolidated Financial Statements 

(Unaudited)

 

Income Taxes

 

The Company is subject to income taxes in the U.S. federal jurisdiction, as well as various state jurisdictions. Tax regulations within each jurisdiction are subject to the interpretation of the related tax laws and regulations and require significant judgment to apply. With few exceptions, the Company is no longer subject to U.S. federal, state and local income tax examinations by tax authorities for the years before 2015.

 

Recently Adopted Accounting Pronouncements

 

On February 25, 2016, the FASB issued ASU 2016-02 “Leases (Topic 842).” ASU 2016-02 is intended to improve financial reporting about leasing transactions. This ASU affects all companies and other organization that lease assets such as real estate, airplanes, and manufacturing equipment.

 

Under the current accounting model, an organization applies a classification test to determine the accounting for the lease arrangement:

 

(a)Some leases are classified as capital where by the lessee would recognize lease assets and liabilities on the balance sheet.
(b)Other leases are classified as operating leases whereby the lessee would not recognize lease assets and liabilities on the balance sheet.

 

Under the new guidance, a lessee will be required to recognize assets and liabilities for all leases with lease terms of more than 12 months. Consistent with Generally Accepted Accounting Principles (GAAP), the recognition, measurement, and presentation of expenses and cash flows arising from a lease by a lessee primarily will depend on its classification as a finance or operating lease.

 

However, unlike current GAAP—which requires only capital leases to be recognized on the balance sheet—the new ASU will require both types of leases to be recognized on the balance sheet. Right of use assets represents the Company’s right to use the underlying assets for their lease terms and lease liabilities represent the obligation to make lease payments.

 

The Company adopted ASU 2016-02 January 1, 2019. The right of use asset and lease obligation recorded as of March 31, 2019 was approximately $126,000 and is reflected in other assets and interest payable and other liabilities, respectively on the balance sheet. The modified retrospective method was applied. Due to the immateriality of the impact, certain disclosures under ASU 842 have been omitted.

 

Recent Accounting Pronouncements

 

In June 2016, the FASB issued ASU No. 2016-13, “Financial Instruments-Credit Losses (Topic 326) - Measurement of Credit Losses on Financial Instruments.” The provisions of ASU 2016-13 were issued to provide financial statement users with more decision-useful information about the expected credit losses on financial instruments that are not accounted for at fair value through net income, including loans held for investment, held-to-maturity debt securities, trade and other receivables, net investment in leases and other commitments to extend credit held by a reporting entity at each reporting date. ASU 2016-13 requires that financial assets measured at amortized cost be presented at the net amount expected to be collected, through an allowance for credit losses that is deducted from the amortized cost basis. The amendments in ASU 2016-13 eliminate the probable incurred loss recognition in current GAAP and reflect an entity’s current estimate of all expected credit losses. The measurement of expected credit losses is based upon historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the financial assets. 

 

 14

 

 

United Bancorp, Inc. 

Notes to Condensed Consolidated Financial Statements 

(Unaudited)

 

For purchased financial assets with a more-than-insignificant amount of credit deterioration since origination (“PCD assets”) that are measured at amortized cost, the initial allowance for credit losses is added to the purchase price rather than being reported as a credit loss expense. Subsequent changes in the allowance for credit losses on PCD assets are recognized through the statement of income as a credit loss expense. 

 

Credit losses relating to available-for-sale debt securities will be recorded through an allowance for credit losses rather than as a direct write-down to the security. 

 

ASU 2016-13 is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. Early adoption is permitted for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. The Company is currently evaluating the impact of these amendments to the Company’s financial position and results of operations and currently does not know or cannot reasonably quantify the impact of the adoption of the amendments as a result of the complexity and extensive changes from the amendments. The Allowance for Loan Losses (ALL) estimate is material to the Company and given the change from an incurred loss model to a methodology that considers the credit loss over the life of the loan, there is the potential for an increase in the ALL at adoption date. The Company is anticipating a significant change in the processes and procedures to calculate the ALL, including changes in assumptions and estimates to consider expected credit losses over the life of the loan versus the current accounting practice that utilizes the incurred loss model. In addition, the current accounting policy and procedures for the other-than-temporary impairment on available-for-sale securities will be replaced with an allowance approach. The Company continues to run projections and reviewing segmentation to ensure it is fully compliant with the amendments at adoption date. We anticipate having an range of potential impact on the Company in the third quarter of 2019. For additional information on the allowance for loan losses, see Note 4.

 

Note 2:Securities

 

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

 

   Amortized Cost   Gross
Unrealized
Gains
   Gross
Unrealized
Losses
   Fair Value 
   (In thousands) 
Available-for-sale Securities:                    
March 31, 2019:                    
                     
U.S. government agencies  $42,250   $   $(172)  $42,078 
State and municipal obligations   93,282    3,958        97,240 
                     
Total debt securities  $135,532   $3,958   $(172)  $139,318 
                     
Available-for-sale Securities:                    
December 31, 2018:                    
                     
U.S. government agencies  $45,250   $––   $(500)  $44,750 
State and municipal obligations  $78,083   $1,194   $(36)  $79,241 
                     
Total debt securities  $123,333   $1,194   $(536)  $123,991 

 

 15

 

 

United Bancorp, Inc. 

Notes to Condensed Consolidated Financial Statements 

(Unaudited)

 

The amortized cost and fair value of available-for-sale securities at March 31, 2019, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.

 

   Available-for-sale 
   Amortized
Cost
   Fair
Value
 
   (In thousands) 
Within one year  $   $ 
One to five years   47,715    47,543 
Five to ten year        
Due after ten years   87,817    91,775 
           
Totals  $135,532   $139,318 

 

The carrying value of securities pledged as collateral, to secure public deposits and for other purposes, was $42.1 million and $48.4 million at March 31, 2019 and December 31, 2018, respectively.

 

Certain investments in debt securities are reported in the financial statements at an amount less than their historical cost. The total fair value of these investments at March 31, 2019 was $42.1 million, which represented approximately 30% of the Company’s available-for-sale investment portfolio. The total fair value of these investments at December 31, 2018 was $49.9 million, which represented approximately 40% of the Company’s available-for-sale investment portfolio.

 

Based on evaluation of available evidence, including recent changes in market interest rates, credit rating information and information obtained from regulatory filings, management believes the declines in fair value for these securities are temporary and are a result of an increase in longer term interest rates.

 

Should the impairment of any of these securities become other-than-temporary, the cost basis of the investment will be reduced and the resulting loss recognized in net income in the period the other-than-temporary impairment is identified.

 

The following tables show the Company’s investments’ gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at March 31, 2019:

 

March 31, 2019
   Less than 12 Months   12 Months or More   Total 
Description of
Securities
  Fair Value   Unrealized
Losses
   Fair Value   Unrealized
Losses
   Fair Value   Unrealized
Losses
 
(In thousands)
U.S. Government agencies  $   $   $42,078   $(172)  $42,078   $(172)
Total temporarily impaired securities  $   $   $42,078   $(172)  $42,078   $(172)

 

 16

 

 

United Bancorp, Inc. 

Notes to Condensed Consolidated Financial Statements 

(Unaudited)

 

December 31, 2018
   Less than 12 Months   12 Months or More   Total 
Description of
Securities
  Fair Value   Unrealized
Losses
   Fair Value   Unrealized
Losses
   Fair Value   Unrealized
Losses
 
(In thousands)
US Government agencies  $––   $––   $44,750   $(500)  $44,750   $(500)
State and municipal obligations  $5,182   $(36)  $––   $––   $5,182   $(36)
                               
Total temporarily impaired securities  $5,182   $(36)  $44,750   $(500)  $49,932   $(536)

 

The unrealized losses on the Company’s investments in U.S. Government agencies were caused primarily by interest rate changes. The contractual terms of those investments do not permit the issuer to settle the securities at a price less than the amortized cost bases of the investments. Because the Company does not intend to sell the investments and it is not more likely than not the Company will be required to sell the investments before recovery of their amortized cost bases, which may be maturity, the Company does not consider those investments to be other-than-temporarily impaired at March 31, 2019.

 

There were no sales of investment securities for the three months ended March 31, 2019 and March 31, 2018.

 

Note 3:Loans and Allowance for Loan Losses

 

Categories of loans include:

 

   March 31,   December 31, 
   2019   2018 
   (In thousands) 
           
Commercial loans  $94,396   $93,690 
Commercial real estate   231,516    223,461 
Residential real estate   76,883    78,767 
Installment loans   11,101    13,765 
           
Total gross loans   413,896    409,683 
           
Less allowance for loan losses   (2,083)   (2,043)
           
Total loans  $411,813   $407,640 

 

 17

 

 

United Bancorp, Inc. 

Notes to Condensed Consolidated Financial Statements 

(Unaudited)

 

The risk characteristics of each loan portfolio segment are as follows:

 

Commercial

 

Commercial loans are primarily based on the identified cash flows of the borrower and secondarily on the underlying collateral provided by the borrower. The cash flows of borrowers, however, may not be as expected and the collateral securing these loans may fluctuate in value. Most commercial loans are secured by the assets being financed or other business assets, such as accounts receivable or inventory, and may include a personal guarantee. Short-term loans may be made on an unsecured basis. In the case of loans secured by accounts receivable, the availability of funds for the repayment of these loans may be substantially dependent on the ability of the borrower to collect amounts due from its customers.

 

Commercial Real Estate

 

Commercial real estate loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Commercial real estate lending typically involves higher loan principal amounts and the repayment of these loans is generally dependent on the successful operation of the property securing the loan or the business conducted on the property securing the loan. Commercial real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. The characteristics of properties securing the Company’s commercial real estate portfolio are diverse, but with geographic location almost entirely in the Company’s market area. Management monitors and evaluates commercial real estate loans based on collateral, geography and risk grade criteria. In general, the Company avoids financing single purpose projects unless other underwriting factors are present to help mitigate risk. In addition, management tracks the level of owner-occupied commercial real estate versus nonowner-occupied loans.

 

Residential Real Estate and Consumer

 

Residential real estate and consumer loans consist of two segments - residential mortgage loans and personal loans. For residential mortgage loans that are secured by 1-4 family residences and are generally owner-occupied, the Company generally establishes a maximum loan-to-value ratio and requires private mortgage insurance if that ratio is exceeded. Home equity loans are typically secured by a subordinate interest in 1-4 family residences, and consumer personal loans are secured by consumer personal assets, such as automobiles or recreational vehicles. Some consumer personal loans are unsecured, such as small installment loans and certain lines of credit. Repayment of these loans is primarily dependent on the personal income of the borrowers, which can be impacted by economic conditions in their market areas, such as unemployment levels. Repayment can also be impacted by changes in property values on residential properties. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers.

 

 18

 

 

United Bancorp, Inc. 

Notes to Condensed Consolidated Financial Statements 

(Unaudited)

 

Allowance for Loan Losses and Recorded Investment in Loans

As of and for the three month period ended March 31, 2019

 

   Commercial   Commercial
Real Estate
   Residential   Installment   Unallocated   Total 
   (In thousands) 
Allowance for loan losses:                              
Balance, beginning of period  $389   $672   $519   $463   $   $2,043 
Provision charged to expense   21    (50)   207    (88)       90 
Losses charged off   (18)           (41)       (59)
Recoveries   1        1    7        9 
Balance, end of period  $393   $622   $727   $341   $   $2,083 
Ending balance:  individually evaluated for impairment  $   $77   $   $68   $   $145 
Ending balance:  collectively evaluated for impairment  $393   $545   $727   $273   $   $1,938 
                               
Loans:                              
Ending balance:  individually evaluated for impairment  $88   $778   $   $435   $   $1,301 
Ending balance:  collectively evaluated for impairment  $94,308   $230,738   $76,883   $10,666   $   $412,595 

 

 19

 

 

United Bancorp, Inc. 

Notes to Condensed Consolidated Financial Statements 

(Unaudited)

 

Allowance for Loan Losses and Recorded Investment in Loans

As of and for the three month period ended March 31, 2018

 

   Commercial   Commercial
Real Estate
   Residential   Installment   Unallocated   Total 
   (In thousands) 
Allowance for loan losses:                              
Balance, beginning of period  $537   $843   $436   $218   $88   $2,122 
Provision charged to expense   (16    (173)   9    239    (2)   57 
Losses charged off               (69)       (69)
Recoveries   1    1    1    12        15 
Balance, end of period  $522   $671   $446   $400   $86   $2,125 
Ending balance:  individually evaluated for impairment  $   $77   $   $   $   $77 
Ending balance:  collectively evaluated for impairment  $522   $594   $446   $400   $86   $2,048 
                               
Loans:                              
Ending balance:  individually evaluated for impairment  $9   $612   $   $406   $   $1,027 
Ending balance:  collectively evaluated for impairment  $84,424   $198,722   $74,563   $11,749   $   $369,458 

 

Allowance for Loan Losses and Recorded Investment in Loans

As of December 31, 2018

 

   Commercial   Commercial
Real Estate
   Residential   Installment   Unallocated   Total 
   (In thousands) 
Allowance for loan losses:                              
Ending balance:  individually evaluated for impairment  $   $85   $––   $––   $––   $85 
Ending balance:  collectively evaluated for impairment  $389   $587   $519   $463   $   $1,958 
                               
Loans:                              
Ending balance:  individually evaluated for impairment  $57   $809   $93   $   $––   $959 
Ending balance:  collectively evaluated for impairment  $93,633   $222,652   $78,767   $13,672   $––   $408,724 

 

 20

 

 

United Bancorp, Inc. 

Notes to Condensed Consolidated Financial Statements 

(Unaudited)

 

The following tables show the portfolio quality indicators.

 

   March 31, 2019 
Loan Class  Commercial   Commercial
Real Estate
   Residential   Installment   Total 
   (In thousands) 
                     
Pass Grade  $94,298   $226,305   $76,883   $10,666   $408,152 
Special Mention       3,992            3,992 
Substandard   98    1,219    435        1,752 
Doubtful                    
                          
   $94,396   $231,516   $77,318   $10,666   $413,896 

 

   December 31, 2018 
Loan Class  Commercial   Commercial
Real Estate
   Residential   Installment   Total 
   (In thousands) 
                     
Pass Grade  $93,620   $219,485   $78,767   $13,672   $405,544 
Special Mention       2,710    ––    ––    2,710 
Substandard   70    1,266    93        1,429 
Doubtful   ––    ––    ––    ––    –– 
                          
   $93,690   $223,461   $78,860   $13,672   $409,683 

 

To facilitate the monitoring of credit quality within the loan portfolio, and for purposes of analyzing historical loss rates used in the determination of the ALLL, the Company utilizes the following categories of credit grades: pass, special mention, substandard, and doubtful. The four categories, which are derived from standard regulatory rating definitions, are assigned upon initial approval of credit to borrowers and updated periodically thereafter. Pass ratings, which are assigned to those borrowers that do not have identified potential or well defined weaknesses and for which there is a high likelihood of orderly repayment, are updated periodically based on the size and credit characteristics of the borrower. All other categories are updated on at least a quarterly basis.

 

The Company assigns a special mention rating to loans that have potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may, at some future date, result in the deterioration of the repayment prospects for the loan or the Company’s credit position.

 

The Company assigns a substandard rating to loans that are inadequately protected by the current sound worth and paying capacity of the borrower or of the collateral pledged. Substandard loans have well defined weaknesses or weaknesses that could jeopardize the orderly repayment of the debt. Loans and leases in this grade also are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies noted are not addressed and corrected.

 

The Company assigns a doubtful rating to loans that have all the attributes of a substandard rating with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The possibility of loss is extremely high, but because of certain important and reasonable specific pending factors that may work to the advantage of and strengthen the credit quality of the loan or lease, its classification as an estimated loss is deferred until its more exact status may be determined. Pending factors may include a proposed merger or acquisition, liquidation proceeding, capital injection, perfecting liens on additional collateral or refinancing plans.

 

 21

 

 

United Bancorp, Inc. 

Notes to Condensed Consolidated Financial Statements 

(Unaudited)

 

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

 

Loan Portfolio Aging Analysis

As of March 31, 2019

 

   30-59 Days
Past Due
and
Accruing
   60-89 Days
Past Due
and
Accruing
   Greater
Than 90
Days and
Accruing
   Non
Accrual
   Total Past
Due and
Non Accrual
   Current   Total Loans
Receivable
 
   (In thousands) 
Commercial  $391   $45   $   $   $436   $93,960   $94,396 
Commercial real estate               710    710    230,806    231,516 
Residential   1,507            850    2,357    74,526    76,883 
Installment   6    4        16    26    11,075    11,101 
Total  $1,904   $49   $   $1,576   $3,529   $410,637   $413,896 

 

Loan Portfolio Aging Analysis

As of December 31, 2018

 

   30-59 Days
Past Due
and
Accruing
   60-89 Days
Past Due
and
Accruing
   Greater
Than 90
Days and
Accruing
   Non
Accrual
   Total Past
Due and
Non Accrual
   Current   Total Loans
Receivable
 
   (In thousands) 
Commercial  $98   $94   $   $   $192   $93,498   $93,690 
Commercial real estate           ––    741    741    222,720    223,461 
Residential   1,704    262    155    485    2,606    76,161    78,767 
Installment   72    4    ––    19    95    13,670    13,765 
Total  $1,874   $360   $155   $1,245   $3,634   $406,049   $409,683 

 

A loan is considered impaired, in accordance with the impairment accounting guidance (ASC 310-10-35-16), when based on current information and events, it is probable the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include nonperforming commercial loans but also include loans modified in troubled debt restructurings where concessions have been granted to borrowers experiencing financial difficulties. These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection.

 

 22

 

 

United Bancorp, Inc. 

Notes to Condensed Consolidated Financial Statements 

(Unaudited)

 

Impaired Loans

 

   As of
March 31, 2019
   Three Months Ended
March 31, 2019
 
   Recorded
Balance
   Unpaid
Principal
Balance
   Specific
Allowance
   Average
Investment in
Impaired
Loans
   Interest
Income
Recognized
 
   (In thousands) 
Loans without a specific valuation allowance:                         
Commercial  $88   $88   $   $89   $ 
Commercial real estate   379    379        376    1 
Residential   244    244        250    4 
    711    711        715    5 
Loans with a specific valuation allowance:                         
Commercial                    
Commercial  real estate   399    399    77    408     
Residential   191    191    68    191     
    590    590    145    599     
Total:                         
Commercial  $88   $88   $   $89   $ 
Commercial real estate  $778   $778   $77   $784   $1 
Residential  $435   $435   $68   $441   $4 

 

 23

 

 

United Bancorp, Inc. 

Notes to Condensed Consolidated Financial Statements 

(Unaudited)

 

Impaired Loans

 

   As of
December 31, 2018
   Three Months Ended
March 31, 2018
 
   Recorded
Balance
   Unpaid
Principal
Balance
   Specific
Allowance
   Average
Investment in
Impaired
Loans
   Interest
Income
Recognized
 
   (In thousands) 
Loans without a specific valuation allowance:                         
Commercial  $57   $57   $––   $10   $ 
Commercial real estate   409    409    ––    624    4 
Residential   93    93        406    1 
    559    559        1,040    5 
Loans with a specific valuation allowance:                         
Commercial                    
Commercial  real estate   400    400    85    422     
Residential                    
    400    400    85    422     
Total:                         
Commercial  $57   $57   $   $10   $ 
Commercial real estate  $809   $809   $85   $1,046   $4 
Residential  $93   $93   $   $406   $1 

 

Interest income recognized on a cash basis was not materiality different than interest income recognized.

 

 24

 

 

United Bancorp, Inc. 

Notes to Condensed Consolidated Financial Statements 

(Unaudited)

 

For the TDRs noted in the tables below, the Company extended the maturity dates and granted interest rate concessions as part of each of those loan restructurings. The loans included in the tables are considered impaired and specific loss calculations are performed on the individual loans. In conjunction with the restructuring there were no amounts charged-off.

 

   Three Months ended March 31, 2019 
   Number of
Contracts
   Pre- Modification
Outstanding
Recorded
Investment
   Post-Modification
Outstanding
Recorded
Investment
 
   (In thousands)   
             
Commercial      $   $ 
Commercial real estate            
Residential            
Installment            

 

   Three Months ended March 31, 2019 
   Interest
Only
   Term   Combination   Total
Modification
 
   (In thousands) 
                 
Commercial  $   $   $   $ 
Commercial real estate                
Residential                
Consumer                

 

   Three Months ended March 31, 2018
   Number of
Contracts
   Pre- Modification
Outstanding
Recorded
Investment
   Post-Modification
Outstanding
Recorded
Investment
 
       (In thousands)     
                
Commercial      $   $ 
Commercial real estate            
Residential            
Installment            

 

   Three Months ended March 31, 2018 
   Interest
Only
   Term   Combination   Total
Modification
 
   (In thousands) 
                     
Commercial  $   $   $   $ 
Commercial real estate                
Residential                
Consumer                

 

 25

 

 

United Bancorp, Inc. 

Notes to Condensed Consolidated Financial Statements 

(Unaudited)

 

During the three months ended March 31, 2019 and 2018 and for three month periods then ended, there were no material defaults of any troubled debt restructurings that were modified in the last 12 months. The Company generally considers TDR’s that become 90 days or more past due under the modified terms as subsequently defaulted.

 

Note 4:Benefit Plans

 

Pension expense includes the following:

 

   Three months ended
March 31,
 
   2019   2018 
   (In thousands) 
         
Service cost  $75   $76 
Interest cost   55    55 
Expected return on assets   (102)   (111)
Amortization of prior service cost and net loss   1    (10)
           
Pension expense  $29   $10 

 

All components of pension expense are reflected within the salaries and employee benefits line of the income statement.

 

Note 5:Off-balance-sheet Activities

 

Some financial instruments, such as loan commitments, credit lines, letters of credit and overdraft protection, are issued to meet customer financing needs. These are agreements to provide credit or to support the credit of others, as long as conditions established in the contracts are met, and usually have expiration dates. Commitments may expire without being used. Off-balance-sheet risk to credit loss exists up to the face amount of these instruments, although material losses are not anticipated. The same credit policies are used to make such commitments as are used for loans, including obtaining collateral at exercise of the commitment.

 

A summary of the notional or contractual amounts of financial instruments with off-balance-sheet risk at the indicated dates is as follows:

 

   March 31,   December 31, 
   2019   2018 
   (In thousands) 
         
Commercial loans unused lines of credit  $36,060   $34,148 
Commitment to originate loans   22,838    21,319 
Consumer open end lines of credit   38,347    37,726 
Standby lines of credit   46     

 

 26

 

 

United Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

(Unaudited)

 

Note 6:Accumulated Other Comprehensive Loss

 

The components of accumulated other comprehensive loss, included in stockholders’ equity, are as follows:

 

   March 31,
2019
   December 31,
2018
 
   (In thousands) 
         
Net unrealized gain (loss) on securities available-for-sale  $3,120   $658 
Net unrealized loss for unfunded status of defined benefit plan liability       (671)
           
    3,120    (13)
Tax effect   (660)   3 
           
Net-of-tax amount  $2,460   $(10)

 

Note 7:Fair Value Measurements

 

The Company defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. The Company also utilizes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value:

 

Level 1Quoted prices in active markets for identical assets or liabilities that the entity can access at the measurement date

 

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

 

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

 

 27

 

 

United Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

(Unaudited)

 

Following is a description of the valuation methodologies used for assets measured at fair value on a recurring basis and recognized in the accompanying consolidated balance sheets, as well as the general classification of such instruments pursuant to the valuation hierarchy.

 

Available-for-sale Securities

 

Where quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. The Company’s equity securities are classified within Level 1 of the hierarchy. If quoted market prices are not available, then fair values are estimated by using quoted prices of securities with similar characteristics or independent asset pricing services and pricing models, the inputs of which are market-based or independently sourced market parameters, including, but not limited to, yield curves, interest rates, volatilities, prepayments, defaults, cumulative loss projections and cash flows. Such securities are classified in Level 2 of the valuation hierarchy.

 

The following table presents the fair value measurements of assets recognized in the accompanying consolidated balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at March 31, 2019 and December 31, 2018:

 

       Fair Value Measurements Using 
   Fair Value  

Quoted Prices
in Active
Markets for
Identical
Assets

(Level 1)

  

Significant
Other
Observable
Inputs

(Level 2)

  

Significant
Unobservable
Inputs

(Level 3)

 
   (In thousands) 
March 31, 2019                    
U.S. government agencies  $42,078   $   $42,078   $ 
State and municipal obligations   97,240        97,240     
                     
December 31, 2018                    
U.S. government agencies  $44,750   $––   $44,750   $–– 
State and municipal obligations  $79,241   $––   $79,241   $–– 

 

 28

 

 

United Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

(Unaudited)

 

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

 

Impaired Loans (Collateral Dependent)

 

Collateral dependent impaired loans consisted primarily of loans secured by nonresidential real estate. Management has determined fair value measurements on impaired loans primarily through evaluations of appraisals performed. Due to the nature of the valuation inputs, impaired loans are classified within Level 3 of the hierarchy.

 

The Company considers the appraisal or evaluation as the starting point for determining fair value and then considers other factors and events in the environment that may affect the fair value. Appraisals of the collateral underlying collateral-dependent loans are obtained when the loan is determined to be collateral-dependent and subsequently as deemed necessary by the Company’s Chief Lender. Appraisals are reviewed for accuracy and consistency by the Company’s Chief Lender. Appraisers are selected from the list of approved appraisers maintained by management. The appraised values are reduced by discounts to consider lack of marketability and estimated cost to sell if repayment or satisfaction of the loan is dependent on the sale of the collateral. These discounts and estimates are developed by the Company’s Chief Lender by comparison to historical results.

 

Foreclosed Assets Held for Sale

 

Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value (based on current appraised value) at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Management has determined fair value measurements on other real estate owned primarily through evaluations of appraisals performed, and current and past offers for the other real estate under evaluation. Due to the nature of the valuation inputs, foreclosed assets held for sale are classified within Level 3 of the hierarchy.

 

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

 

 29

 

 

United Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

(Unaudited)

 

The following table presents the fair value measurements of assets recognized in the accompanying consolidated balance sheets measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at March 31, 2019 and December 31, 2018.

 

       Fair Value Measurements Using 
   Fair
Value
  

Quoted Prices
in Active
Markets for
Identical
Assets

(Level 1)

  

Significant
Other
Observable
Inputs

(Level 2)

  

Significant
Unobservable
Inputs

(Level 3)

 
   (In thousands) 
March 31, 2019                    
Collateral dependent impaired loans  $445   $   $   $445 
                     

December 31, 2018

                    
Collateral dependent impaired loans  $314   $––   $––   $314 
Foreclosed assets held for sale   91    ––    ––    91 

 

Unobservable (Level 3) Inputs

 

The following table presents quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements.

 

   Fair Value at
3/31/19
   Valuation
Technique
  Unobservable Inputs  Range
   (In thousands)
Collateral-dependent impaired loans  $445   Market comparable properties  Comparability adjustments  Not available
 

 

   Fair Value at
12/31/18
   Valuation
Technique
  Unobservable Inputs  Range
   (In thousands)
              
Collateral-dependent impaired loans  $314   Market comparable properties  Comparability adjustments  Not available
 
               
Foreclosed assets held for sale   91   Market comparable properties
  Marketability discount  10% – 35%

 

There were no significant changes in the valuation techniques used during 2019.

 

 30

 

 

United Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

(Unaudited)

 

The following table presents estimated fair values of the Company’s financial instruments. The fair values of certain of these instruments were calculated by discounting expected cash flows, which involves significant judgments by management and uncertainties. Because no market exists for certain of these financial instruments and because management does not intend to sell these financial instruments, the Company does not know whether the fair values shown below represent values at which the respective financial instruments could be sold individually or in the aggregate.

 

       Fair Value Measurements Using 
   Carrying
Amount
  

Quoted Prices
in Active
Markets for
Identical
Assets

(Level 1)

  

Significant
Other
Observable
Inputs

(Level 2)

  

Significant
Unobservable
Inputs

(Level 3)

 
   (In thousands) 
March 31, 2019:                    
                     
Financial assets  $32,692   $32,692   $   $ 
Cash and cash equivalents                    
Loans, net of allowance   411,813            411,575 
Federal Home Loan Bank stock   4,012        4,012     
Accrued interest receivable   2,104        2,104     
                     
Financial liabilities                    
Deposits   538,931        538,265     
Short term borrowings   13,441        13,441     
Federal Home Loan Bank Advances   80        79     
Subordinated debentures   4,124        3,647     
Interest payable   177        177     

 

 31

 

 

United Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

(Unaudited)

 

       Fair Value Measurements Using 
   Carrying
Amount
  

Quoted Prices
in Active
Markets for
Identical
Assets

(Level 1)

  

Significant
Other
Observable
Inputs

(Level 2)

  

Significant
Unobservable
Inputs

(Level 3)

 
   (In thousands) 
December 31, 2018:                    
                     
Financial assets  $25,253   $25,253   $––   $–– 
Cash and cash equivalents                    
Loans, net of allowance   407,640    ––    ––    405,033 
Federal Home Loan Bank stock   4,243    ––    4,243    –– 
Accrued interest receivable   1,798    ––    1,798    –– 
                     
Financial liabilities                    
Deposits   525,443    ––    524,010    –– 
Short term borrowings   8,068    ––    8,068    –– 
Federal Home Loan Bank Advances   106    ––    101    –– 
Subordinated debentures   4,124    ––    3,647    –– 
Interest payable   188    ––    188    –– 

 

The following methods and assumptions were used to estimate the fair value of each class of financial instruments.

 

Cash and Cash Equivalents, Accrued Interest Receivable and Federal Home Loan Bank Stock

 

The carrying amounts approximate fair value.

 

 32

 

 

United Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

(Unaudited)

 

Loans

 

Fair values of loans and leases are estimated on an exit price basis incorporating discounts for credit, liquidity and marketability factors.

 

Deposits

 

Deposits include demand deposits, savings accounts, NOW accounts and certain money market deposits. The carrying amount approximates fair value. The fair value of fixed-maturity time deposits is estimated using a discounted cash flow calculation that applies the rates currently offered for deposits of similar remaining maturities.

 

Interest Payable

 

The carrying amount approximates fair value.

 

Short-term Borrowings, Federal Home Loan Bank Advances and Subordinated Debentures

 

Rates currently available to the Company for debt with similar terms and remaining maturities are used to estimate the fair value of existing debt.

 

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

 

The fair value of commitments to originate loans is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair values of letters of credit and lines of credit are based on fees currently charged for similar agreements or on the estimated cost to terminate or otherwise settle the obligations with the counterparties at the reporting date. Fair values of commitments were not material at March 31, 2019 and December 31, 2018.

 

Note 8:Repurchase Agreements

 

Securities sold under agreements to repurchase (“repurchase agreements”) with customers represent funds deposited by customers, generally on an overnight basis that are collateralized by investment securities owned by the Company.

 

The following table presents the Company’s repurchase agreements accounted for as secured borrowings:

 

Remaining Contractual Maturity of the Agreement 

(In thousands)

 

March 31, 2019  Overnight and
Continuous
   Up to 30 Days   30-90 Days   Greater than 90
Days
   Total 
     
Repurchase Agreements                         
U.S. government agencies   13,441    ––    ––    ––    13,441 
Total  $13,441   $––   $––   $––   $13,441 

 

 33

 

 

United Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

(Unaudited)

 

These borrowings were collateralized with U.S. government and agency securities with a carrying value of $16.9 million at March 31, 2019. Declines in the fair value would require the Company to pledge additional securities.

 

(In thousands)

 

December 31, 2018  Overnight and
Continuous
   Up to 30 Days   30-90 Days   Greater than 90
Days
   Total 
     
Repurchase Agreements                         
U.S. government agencies  $8,068   $––   $––   $––   $8,068 
Total  $8,068   $––   $––   $––   $8,068 

 

Securities with an approximate carrying value of $18.3 million at December 31, 2018, were pledged as collateral for repurchase borrowings.

 

Note 9:Acquisition

 

On June 14, 2018, the Company and Powhatan Point Community Bancshares, Inc. (“Powhatan Point”) entered into an Agreement and Plan of Merger (the “Merger Agreement”) pursuant to which Powhatan Point merged with and into the Company on October 15, 2018. The First National Bank of Powhatan , wholly-owned subsidiary of Powhatan Point, operated from one full-service office located in Powhatan Point, Ohio. That office became a branch of Unified Bank after the merger.

 

Under the terms of the Merger Agreement, the shareholders of Powhatan Point received 6.9233 shares of common stock of United Bancorp and $28.52 in cash per outstanding share of Powhatan Point stock.

 

The merger with Powhatan Point was accounted for using the acquisition method of accounting and, accordingly, assets acquired, liabilities assumed and consideration paid were recorded at their estimated fair values as of the merger date. The following table summarizes the allocation purchase prices for Powhatan Point.

 

 34

 

 

United Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

(Unaudited)

 

(in thousands)
 
ASSETS       LIABILITIES     
Cash and cash equivalents  $24,986   Deposits     
Deposits in other banks   3,461   Non interest bearing  $19,287 
FHLB stock   78   Savings   30,533 
Investments   23,865   Certificates of Deposit   5,772 
              
Commercial   3,019   Total Deposits   55,592 
Residential   2,403         
Installment   1,357        
Total loans   6,779         
              
Premise and equipment, net   548   Interest payable and other liabilities   496 
Core deposit intangible   1,028         
Goodwill   682         
Bank owned life insurance   612         
Accrued interest receivable   145         
Deferred federal income taxes   20         
Other assets   124         
Total assets purchased  $62,328   Total liabilities assumed     
Common shares issued  $4,711      $56,088 
Cash paid   1,529         
Estimated purchase price  $6,240         

 

Of the total purchase price of $6.2 million, $1.0 has been allocated to core deposit intangible. Additionally, $682,000 has been allocated to goodwill. The core deposit will be amortized over 7 years on a straight line basis. Direct costs related to the acquisition were expensed as incurred and reflected in other noninterest expense in the consolidated statement of income for the year ended December 31, 2018. The amount of goodwill reflects the Company’s expansion in the Powhatan Point market and related synergies that are expected to result from the acquisition and represent the excess purchase price over the estimated fair value of the net assets acquired. The goodwill will not be amortizable in the Company’s financial statements and will not be deductible for tax purposes. Goodwill will be subject to an annual test for impairment and the amount impaired, if any, will be charged to expense at the time of impairment.

 

The Company acquired various loans in the acquisition for which none had evidence of deterioration of credit quality since origination. The fair value of assets acquired includes loans with a fair value of $6,779,000. The gross principal and contractual interest due under the contracts is $6,875,000, of which $86,000 is expected to be uncollectible.

 

 35

 

 

United Bancorp, Inc.

Notes to Condensed Consolidated Financial Statements

(Unaudited)

 

Note 10:Subsequent Event

 

On May 14, 2019 the Company issued $20,000,000 of junior subordinated debentures. The debentures bear interest at a fixed rate of 6.0% until May 2024, which then becomes a floating interest rate equal to the three-month LIBOR (or an equivalent index) plus 3.625%, resetting quarterly. Interest on the subordinated notes will be payable semiannually through May 2024 and quarterly thereafter through the maturity date of May 2029. Principal is due upon maturity. The debentures are unsecured and payable to various investors. For purposes of computing regulatory capital, the debentures are included in Tier 2 Capital. The subordinated notes may not be repaid in whole or in part prior to the fifth anniversary of the issue date (May 2019).

 

 36

 

 

United Bancorp, Inc.

Management’s Discussion and Analysis of Financial

Condition and Results of Operations

 

The following discusses the financial condition of the Company as of March 31, 2019, as compared to December 31, 2018, and the results of operations for the three months ended March 31, 2019, compared to the same period in 2018. This discussion should be read in conjunction with the interim condensed consolidated financial statements and related footnotes included herein.

 

Introduction

 

United Bancorp, Inc. reported net income of $1,614,000 and diluted earnings per share of $0.28 for the three months ended March 31, 2019, as compared to $1,148,000 and $0.23 respectively for 2018. These year-over-year improvements in UBCP’s earnings are directly related to the Company executing its strategic vision to achieve profitable growth by growing in both an organic fashion and through acquiring other like-minded community banking organizations. Net income increased by $466,000, or 40.6%, on a year-over-year basis at the end of this most recently completed quarter. This increase in earnings is strongly correlated to the strong organic and acquisition-related growth that our Company experienced during the past twelve months. From an acquisition perspective (and, as previously reported), we acquired Powhatan Point Community Bancshares in the fourth quarter of last year and the merger is now completed…both financially and operationally. Even with the issuance of common shares to facilitate this purchase, our diluted earnings per share was $0.28 versus $0.23 the prior year, an increase of 21.7%. The combination of this acquisition and the strong organic growth that we achieved this past year facilitated the increase in the level of our Company’s higher-yielding earning assets by $112.5 million, or 25.2%, on a year-over-year basis. This growth in earning assets was divided between steady growth in our Company’s loan portfolio, which increased by $43.4 million or 11.7%, and solid growth in our investment portfolio, with securities and other restricted stock increasing by $69.1 million or 92%. With our increased level of higher-yielding earning assets, our Company saw a year-over-year increase in the level of interest income that it generated of $1.7 million or 36.6%.

 

In order to fund this strong growth in our earning assets, while improving our overall levels of profitability, our Company needed to attract a substantial level of cost effective funding. We achieved this by successfully growing our lower-cost, retail balances (consisting of noninterest bearing and interest bearing demand deposits and savings deposits) by $91.6 million, or 27%, year-over-year. The remaining growth in deposits came in the area of time deposits (consisting of certificates of deposit or term funding), which increased by $43.3 million since March 2018. By funding our above-peer growth in earning assets primarily with lower-costing retail funding this past year; even though we operated in a rising rate environment wherein, the Federal Open Market Committee (FOMC) increased the target rate for Federal funds by 1.0% over the course of the year, our Company was able to maintain its solid net interest margin. For the three months ended March 31, 2019, United Bancorp’s net interest margin was 3.80%, compared to 3.86% for the same period in 2018.

 

From a qualitative perspective, we have successfully maintained overall strength and stability within our loan portfolio. Year-over-year, our Company continues to have very solid credit quality-related metrics supported by a relatively low level of nonaccrual loans, which was approximately $1.6 million, or 0.38 percent of total loans at March 31, 2019, compared to $1.4 million at March 31, 2018, an increase of $200,000. Further, net loans charged off, excluding overdrafts, was $18,000 for the three months ended March 31, 2019, which is a decrease of $14,000 from the previous year. We are very satisfied with the continued strong performance of our loan portfolio from a credit quality perspective. With the anticipation of our economy remaining fundamentally sound in the near to intermediate term, we anticipate that this trend will continue in the current year.

 

 37

 

 

United Bancorp, Inc.

Management’s Discussion and Analysis of Financial

Condition and Results of Operations

 

Considering that we anticipate our earning assets to continue growing at very acceptable levels and our overall credit quality to remain very solid, we strongly expect that we will be able to continue growing our earnings at the double-digit level that we experienced in the first quarter of this year throughout the course of 2019.

 

We greatly benefited from the positive execution of our strategic plan, which calls for us to grow through acquiring other like-minded community banking organizations and capitalizing on prudent, yet profitable, organic opportunities. Over the course of the past twelve months, we had success in both of these key areas on which we keenly focus. By profitably growing our Company, we achieved two milestones at March 31, 2019. One milestone is that for the first time in our history, our Company’s first quarter net income exceeded $1.6 million. The second milestone is that, for the first time, our Company’s total assets surpassed the $600 million threshold; finishing the quarter at $621 million, an increase of $132.6 million or 27.2% year-over-year. We are well on our way to achieving our current vision of having assets in excess of $1.0 billion within the course of the next few years and we strongly anticipate that we will continue to see our Company produce record levels of core earnings for the foreseeable future.

 

By continuing to utilize the “playbook” that we did last year to achieve profitable growth, we are very optimistic about our future prospects. In addition, we will continue focusing on building our infrastructure (or, foundation) to support further growth while achieving greater efficiencies. As we have previously stated, we are strongly committed to remaining relevant within our industry by investing in our technology and origination/service platforms. Ultimately, our vision is to become an omnichannel bank— by having complete channel integration and offering mobility to our customers— thereby, serving them on their terms and through their preferred channels. We have started this initiative and believe that, for a community-minded bank, we will have a complete digital solution that will be highly appealing to our target clientele within the next year or two. Coupling this investment in technology with continued investment in growing our Company through acquisition and new branch construction in key complimentary markets, we firmly believe that we can continue to grow at acceptable levels while remaining very profitable. Even with the high level of growth that we experienced over the course of the past twelve months, we continued to maintain our overall profitability. With our record earnings in the first quarter, our Company had a return on equity (ROE) of 12.0% and a return on assets (ROA) of 1.08% for the three months ended, March 31, 2019. We have stated for many quarters that our goal is to profitably grow our Company. We are extremely delighted that we are presently accomplishing this.

 

Our primary foci are rewarding our shareholders by paying a very solid cash dividend while driving their shareholder value in our Company. In the first quarter of this year, we increased our cash dividend payout from $0.13 to $0.1325 which, on a forward basis, produces a dividend yield of 4.88% based on our closing price as of the most recent quarter end. Regarding our present market valuation, on a forward basis we are currently trading at a price to earnings multiple of 9.7 times. With our market sector trading more in the range of 13.5 times at present, we are highly optimistic that we will see a higher market valuation in future periods… assuming that we continue to drive our earnings at the levels we have seen and currently project. Overall, we are extremely pleased with the direction that we are going and the results that we are producing. We continue to be highly optimistic about our future potential and look forward to realizing this upside potential in future periods.

 

 38

 

 

United Bancorp, Inc.

Management’s Discussion and Analysis of Financial

Condition and Results of Operations

 

Forward-Looking Statements

 

When used in this document, the words or phrases “will likely result,” “are expected to,” “will continue,” “is anticipated,” “estimated,” “projected” or similar expressions are intended to identify “forward looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements are subject to certain risks and uncertainties including changes in economic conditions in the Bank’s market areas, changes in policies by regulatory agencies, fluctuations in interest rates, demand for loans in the Bank’s market areas and competition, that could affect the Company’s financial performance and cause actual results to differ materially from historical earnings and those presently anticipated or projected with respect to future periods. These risks and uncertainties should be considered in evaluating forward looking statements, and undue reliance should not be placed on such statements. Additional information concerning the Company and its business, including other factors that could materially affect the Company’s financial results, is included in the Company’s filings with the Securities and Exchange Commission.

 

The Company is not aware of any trends, events or uncertainties that will have or are reasonably likely to have a material effect on its financial condition, results of operations, liquidity or capital resources except as discussed herein. The Company is not aware of any current recommendation by regulatory authorities that would have such effect if implemented except as discussed herein.

 

The Company does not undertake, and specifically disclaims any obligation, to publicly revise any forward-looking statements to reflect events or circumstances after the date such statements were made or to reflect the occurrence of anticipated or unanticipated events.

 

Critical Accounting Policies

 

The Company’s consolidated financial statements are prepared in accordance with accounting principles generally accepted in the United States of America. Management makes certain judgments that affect the amounts reported in the financial statements and footnotes. These estimates, assumptions and judgments are based on information available as of the date of the financial statements, and as this information changes, the financial statements could reflect different estimates, assumptions, and judgments.

 

Based on its consideration of accounting policies that involve the most complex and subjective decisions and assessments, management has identified its most critical accounting policies to be those which are related to the allowance for loan losses. The procedures for assessing the adequacy of the allowance for loan losses reflect our evaluation of credit risk after careful consideration of all information available to management. In developing this assessment, management must rely on estimates and exercise subjective judgment regarding matters where the ultimate outcome is unknown such as economic factors, developments affecting companies in specific industries and issues with respect to single borrowers. Depending on changes in circumstances, future assessments of credit risk may yield materially different results, which may require an increase or a decrease in the allowance for loan losses.

 

The allowance is regularly reviewed by management and the board to determine whether the amount is considered adequate to absorb probable losses. This evaluation includes specific loss estimates on certain individually reviewed loans, statistical loss estimates for loan pools that are based on historical loss experience, and general loss estimates that are based on the size, quality and concentration characteristics of the various loan portfolios, adverse situations that may affect a borrower’s ability to repay and current economic and industry conditions.

 

 39

 

 

United Bancorp, Inc.

Management’s Discussion and Analysis of Financial

Condition and Results of Operations

 

Also considered as part of that judgment is a review of the Bank’s trend in delinquencies and loan losses, and economic factors.

 

The allowance for loan losses is maintained at a level believed adequate by management to absorb probable loan losses inherent in the loan portfolio. Management’s evaluation of the adequacy of the allowance is an estimate based on management’s current judgment about the credit quality of the loan portfolio. While the Company strives to reflect all known risk factors in its evaluation, judgment errors may occur.

 

This discussion of the Company’s critical accounting policies should be read in conjunction with the Company’s consolidated financial statements and the accompanying notes presented elsewhere herein, as well as other relevant portions of Management’s Discussion and Analysis of Financial Condition and Results of Operations.

 

 40

 

 

United Bancorp, Inc.

Management’s Discussion and Analysis of Financial

Condition and Results of Operations

 

Analysis of Financial Condition

 

Earning Assets – Loans

 

Our focus as a community bank is to meet the credit needs of the markets we serve. At March 31, 2019, gross loans were $413.9 million, compared to $409.7 million at December 31, 2018, an increase of $4.2 million after offsetting repayments for the period. The overall increase in the loan portfolio was comprised of a $8.8 million increase in commercial and commercial real estate loans and a $1.9 million decrease in real estate lending and a $2.7 million decrease in installment loans since December 31, 2018.

 

Commercial and commercial real estate loans comprised 78.7% of total loans at March 31, 2019, compared to 77.4% at December 31, 2018. Commercial and commercial real estate loans have increased $8.8 million, or 2.8% since December 31, 2018. This segment of the loan portfolio includes originated loans in our market areas and purchased participations in loans from other banks for out-of-area commercial and commercial real estate loans to benefit from consistent economic growth outside the Company’s primary market area.

 

Installment loans represented 2.7% of total loans at March 31, 2019 and 3.4% at December 31, 2018. Some of the installment loans carry somewhat more risk than real estate lending; however, it also provides for higher yields. Installment loans have decreased $2.7 million, or 19.3%, since December 31, 2018. The targeted lending areas encompass four separate metropolitan areas, minimizing the risk to changes in economic conditions in the communities housing the Company’s banking locations.

 

Residential real estate loans were 18.6% of total loans at March 31, 2019 and 19.2% at December 31, 2018, representing a decrease of $1.9 million, or 2.4% since December 31, 2018. At March 31, 2019, the Company did not hold any loans for sale.

 

The allowance for loan losses totaled $2.1 million at March 31, 2019, which represented 0.50% of total loans, and $2.0 million at December 31, 2018, or 0.50% of total loans. The allowance represents the amount which management and the Board of Directors estimates is adequate to provide for probable losses inherent in the loan portfolio. The allowance balance and the provision charged to expense are reviewed by management and the Board of Directors monthly using a risk evaluation model that considers borrowers’ past due experience, economic conditions and various other circumstances that are subject to change over time. Management believes the current balance of the allowance for loan losses is adequate to absorb probable incurred credit losses associated with the loan portfolio. Net loan charge-offs (exclusive of overdrafts) for the three months ended March 31, 2019 were approximately $31,000. Net loans charged off decreased approximately $14,000 for the three months ended March 31, 2019 as compared to the same period in 2018.

 

 41

 

 

United Bancorp, Inc.

Management’s Discussion and Analysis of Financial

Condition and Results of Operations

 

Earning Assets – Securities

 

The securities portfolio is comprised of U.S. Government agency-backed securities, tax-exempt obligations of state and political subdivisions and certain other investments. Securities available for sale at March 31, 2019 increased approximately $15.3 million from December 31, 2018 totals. We are seeing opportunities in the area of securities investments; whereby, we are finally seeing yields that are at acceptable levels, which is encouraging us to leverage-up on state and political subdivision investments.

 

Sources of Funds – Deposits

 

The Company’s primary source of funds is core deposits from retail and business customers. These core deposits include all categories of interest-bearing and noninterest-bearing deposits, excluding certificates of deposit greater than $250,000. For the period ended March 31, 2019, total core deposits (interest and non interest bearing accounts and savings) increased approximately $5.2 million, or 1.2% from December 31, 2018 totals. The Company’s savings accounts decreased $328,000 or 0.3% from December 31, 2018 totals. The Company’s interest-bearing and non-interest bearing demand deposits increased $5.6 million while certificates of deposit under $250,000 increased by $5.6 million.

 

The Company has a strong deposit base from public agencies, including local school districts, city and township municipalities, public works facilities and others that may tend to be more seasonal in nature resulting from the receipt and disbursement of state and federal grants. These entities have maintained fairly static balances with the Company due to various funding and disbursement timeframes.

 

Certificates of deposit greater than $250,000 are not considered part of core deposits, and as such, are used to balance rate sensitivity as a tool of funds management. At March 31, 2019, certificates of deposit greater than $250,000 increased $2.7 million or 16.6%, from December 31, 2018 totals.

 

Sources of Funds – Securities Sold under Agreements to Repurchase and Other Borrowings

 

Other interest-bearing liabilities include securities sold under agreements to repurchase and Federal Home Loan Bank (“FHLB”) advances. The majority of the Company’s repurchase agreements are with local school districts and city and county governments. The Company’s repurchase agreements increased approximately $5.4 million from December 31, 2018 totals.

 

Results of Operations for the Three Months Ended March 31, 2019 and 2018

 

Net Income

 

The reported diluted earnings per share was $0.28 for the quarter ended March 31, 2019 compared to $0.23 for the quarter ended March 31, 2018.

 

 42

 

 

United Bancorp, Inc.

Management’s Discussion and Analysis of Financial

Condition and Results of Operations

 

Net Interest Income

 

Net interest income increased $1.0 million or 24.6% for the three months ended March 31, 2019 compared to the same period in 2018. As previously mentioned, the growth of loans and investment securities was the driver for the increase in net interest income.

 

Provision for Loan Losses

 

The provision for loan losses was $90,000 for the three months ended March 31, 2019, compared to $57,000 for the same period in 2018. With the overall growth in the loan portfolio, the provision increased slightly year over year.

 

Noninterest Income

 

Noninterest income of the Company was up by $65,000 year-over-year. This increase in the fee-based income of the Company is directly attributed to the service charges on deposit accounts decreasing by a like amount over the same period.

 

Noninterest Expense

 

In anticipation of building its infrastructure for future growth, the Company saw its noninterest expense increase by $583,000 or 16.3% year-over-year. Most of the increase in our noninterest expense levels was related to personnel-related expenses on the production-side, which should lead to the Company realizing higher levels of revenue in the coming quarters. Non interest expense also increased due to inclusion of the non interest expense related to the acquisition of Powhatan Point Community Bancshares in the first quarter of 2019.

 

Federal Income Taxes

 

The provision for federal income taxes was $187,000 for the three months ended March 31, 2019, a decrease of $11,000 compared to the same period in 2018. The effective tax rate was approximately 10.4% and 14.7% for the three months ended March 31, 2019 and 2018, respectively.

 

 43

 

 

United Bancorp, Inc.

Management’s Discussion and Analysis of Financial

Condition and Results of Operations

 

Capital Resources

 

Internal capital growth, through the retention of earnings, is the primary means of maintaining capital adequacy for the Company. Stockholders’ equity totaled $53.8 million at March 31, 2019 compared to $50.6 million at December 31, 2018, a $3.2 million increase. Total average stockholders’ equity in relation to total assets was 8.66% at March 31, 2019 and 8.53% at December 31, 2018. The Company’s Articles of Incorporation allows for a class of preferred shares with 2,000,000 authorized shares. This enables the Company, at the option of the Board of Directors, to issue series of preferred shares in a manner calculated to take advantage of financing techniques which may provide a lower effective cost of capital to the Company. The amendment also provides greater flexibility to the Board of Directors in structuring the terms of equity securities that may be issued by the Company. Although this preferred stock is a financial tool, it has not been utilized to date.

 

The Company has offered for many years a Dividend Reinvestment Plan (“The Plan”) for shareholders under which the Company’s common stock will be purchased by the Plan for participants with automatically reinvested dividends. The Plan does not represent a change in the Company’s dividend policy or a guarantee of future dividends.

 

The Company is subject to the regulatory requirements of The Federal Reserve System as a bank holding company. The Bank is subject to regulations of the FDIC and the State of Ohio, Division of Financial Institutions. The most important of these various regulations address capital adequacy.

 

On January 1, 2015, the final rules of the Federal Reserve Board went into effect implementing in the United States the Basel III regulatory capital reforms from the Basel Committee on Banking Supervision and certain changes required by the Dodd-Frank Wall Street Reform and Consumer Protection Act.

 

Under the final rule, minimum requirements increased for both the quality and quantity of capital held by banking organizations. The rule requires a new minimum ratio of common equity tier 1 capital to risk-weighted assets of 4.5 percent and a common equity tier 1 capital conservation buffer of 2.5 percent of risk-weighted assets that will apply to all supervised financial institutions. The rule also raises the minimum ratio of tier 1 capital to risk-weighted assets from 4 percent to 6 percent and includes a minimum leverage ratio of 4 percent for all banking organizations.

 

The Company continues to be well-capitalized in accordance with Federal regulatory capital requirements as the capital ratios below show:

 

Common equity tier 1 capital ratio   10.98%
Tier 1 capital ratio   11.88%
Total capital ratio   12.34%
Leverage ratio   8.87%

 

 44

 

 

United Bancorp, Inc.

Management’s Discussion and Analysis of Financial

Condition and Results of Operations

 

Liquidity

 

Management’s objective in managing liquidity is maintaining the ability to continue meeting the cash flow needs of its customers, such as borrowings or deposit withdrawals, as well as its own financial commitments. The principal sources of liquidity are net income, loan payments, maturing securities and sales of securities available for sale, federal funds sold and cash and deposits with banks. Along with its liquid assets, the Company has additional sources of liquidity available to ensure that adequate funds are available as needed. These include, but are not limited to, the purchase of federal funds, the ability to borrow funds under line of credit agreements with correspondent banks, a borrowing agreement with the Federal Home Loan Bank of Cincinnati and the adjustment of interest rates to obtain depositors. Management feels that it has the capital adequacy and profitability to meet the current and projected liquidity needs of its customers.

 

Inflation

 

Substantially all of the Company’s assets and liabilities relate to banking activities and are monetary in nature. The consolidated financial statements and related financial data are presented in accordance with accounting principles generally accepted in the United States of America (“U.S. GAAP”). U.S. GAAP currently requires the Company to measure the financial position and results of operations in terms of historical dollars, with the exception of securities available for sale, certain impaired loans and certain other real estate and loans that may be measured at fair value. Changes in the value of money due to rising inflation can cause purchasing power loss.

 

Management’s opinion is that movements in interest rates affect the financial condition and results of operations to a greater degree than changes in the rate of inflation. It should be noted that interest rates and inflation do affect each other, but do not always move in correlation with each other. The Company’s ability to match the interest sensitivity of its financial assets to the interest sensitivity of its liabilities in its asset/liability management may tend to minimize the effect of changes in interest rates on the Company’s performance.

 

ITEM 3Quantitative and Qualitative Disclosures About Market Risk

 

There has been no significant change from disclosures included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2018.

 

 45

 

 

United Bancorp, Inc.

Management’s Discussion and Analysis of Financial

Condition and Results of Operations

 

ITEM 4.Controls and Procedures

 

The Company, under the supervision, and with the participation, of its management, including the Company's Chief Executive Officer and Chief Financial Officer, evaluated the effectiveness of the design and operation of the Company's disclosure controls and procedures pursuant to the requirements of Exchange Act Rule 13a-15. Based upon that evaluation, the Chief Executive Officer and Chief Financial Officer concluded that the Company's disclosure controls and procedures were effective as of March 31, 2019, in timely alerting them to material information relating to the Company (including its consolidated subsidiary) required to be included in the Company's periodic SEC filings.

 

There was no change in the Company's internal control over financial reporting that occurred during the Company's fiscal quarter ended March 31, 2019 that has materially affected, or is reasonably likely to materially affect, the Company's internal control over financial reporting.

 

 46

 

 

United Bancorp, Inc.

Part II – Other Information

 

ITEM 1.Legal Proceedings

 

None, other than ordinary routine litigation incidental to the Company’s business.

 

ITEM 1A.Risk Factors

 

There have been no material changes from risk factors as previously disclosed in Part 1 Item 1A of the Company’s Form 10-K for the year ended December 31, 2017, filed on March 20, 2018.

 

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

 

ISSUER PURCHASES OF EQUITY SECURITIES

 

Period 

(a)

Total Number of

Shares (or Units)

Purchased

  

(b)

Average Price Paid

Per Share (or Unit)

  

(c)

Total Number of

Shares (or Units)

Purchased as Part

Of Publicly

Announced Plans

Or Programs

  

(d)

Maximum Number or

Approximate Dollar
Value) of Shares (or

Units) that May Yet Be
Purchased Under the
Plans or Programs

 
Month #1
1/1/2019 to
1/31/2019
   ––    ––    ––    –– 
Month #2
2/1/2019 to
2/28/2019
   ––    ––    ––    –– 
Month #3
3/1/2019 to
3/31/2019
   5,422   $11.10    ––    –– 

 

The Company adopted the United Bancorp, Inc. Affiliate Banks Directors and Officers Deferred Compensation Plan (the “Plan”), which is an unfunded deferred compensation plan. Amounts deferred pursuant to the Plan remain unrestricted assets of the Company, and the right to participate in the Plan is limited to members of the Board of Directors and Company officers. Under the Plan, directors or other eligible participants may defer fees and up to 50% of their annual incentive award payable to them by the Company, which are used to acquire common shares which are credited to a participant’s respective account. Except in the event of certain emergencies, no distributions are to be made from any account as long as the participant continues to be an employee or member of the Board of Directors. Upon termination of service, the aggregate number of shares credited to a participant’s account is distributed with any cash proceeds credited to the account which have not yet been invested in the Company’s stock. All purchases under this deferred compensation plan are funded with either earned director fees or officer incentive award payments. No underwriting fees, discounts, or commissions are paid in connection with the Plan. The shares allocated to participant accounts have not been registered under the Securities Act of 1933 in reliance upon the exemption provided by Section 4(2) thereof. On March 7, 2019 5,422 shares at price of $11.10 were purchased

 

ITEM 3.Defaults Upon Senior Securities

 

Not applicable.

 

 47

 

 

United Bancorp, Inc.

Part II – Other Information

 

ITEM 4.Mine Safety Disclosures

 

Not applicable.

 

ITEM 5.Exhibits

 

  EX-3.1 Amended Articles of Incorporation of United Bancorp, Inc. (1)
     
  EX-3.2 Amended and Restated Code of Regulations of United Bancorp, Inc. (2)
     
  EX-4.0 Instruments Defining the Rights of Security Holders (See Exhibits 3.1 and 3.2)
     
  EX 31.1 Rule 13a-14(a) Certification – CEO
     
  EX 31.2 Rule 13a-14(a) Certification – CFO
     
  EX 32.1 Section 1350 Certification – CEO
     
  EX 32.2 Section 1350 Certification – CFO
     
  EX 101.INS XBRL Instance Document
     
  EX 101.SCH XBRL Taxonomy Extension Schema Document
     
  EX 101.CAL XBRL Taxonomy Extension Calculation Linkbase Document
     
  EX 101.DEF XBRL Taxonomy Extension Definition Linkbase Document
     
  EX 101.LAB XBRL Taxonomy Extension Label Linkbase Document
     
  EX 101.PRE XBRL Taxonomy Extension Presentation Linkbase Document

 

  (1) Incorporated by reference to Appendix B to the registrant’s Definitive Proxy Statement filed with the Securities and Exchange Commission on March 14, 2001.

 

  (2) Incorporated by reference to Exhibit 3.2 to the registrant’s Current Report on Form 8-K filed with the Securities and Exchange Commission on August 22, 2014.

 

 48

 

 

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.

 

 

  /s/United Bancorp, Inc.
     
Date: May 15, 2019 By: /s/Scott A. Everson
    Scott A. Everson
    President and Chief Executive Officer
     
Date: May 15, 2019 By: /s/Randall M. Greenwood
    Randall M. Greenwood
    Senior Vice President, Chief Financial Officer and Treasurer

 

 49

 

 

Exhibit Index

 

Exhibit No.   Description
     
31.1   Rule 13a-14(a) Certification – Principal Executive Officer
     
31.2   Rule 13a-14(a) Certification – Principal Financial Officer
     
32.1   Certification pursuant to 18 U.S.C. Section 1350, as enacted pursuant to Section 906 of The Sarbanes-Oxley act of 2002.
     
32.2   Certification pursuant to 18 U.S.C. Section 1350, as enacted pursuant to Section 906 of The Sarbanes-Oxley Act of 2002.

 

 50

 

EX-31.1 2 tv521021_ex31-1.htm EXHIBIT 31.1

 

Exhibit 31.1

 

CERTIFICATIONS

 

I, Scott A. Everson, President and Chief Executive Officer of United Bancorp, Inc., certify that:

 

1.I have reviewed this Form 10-Q of United Bancorp, Inc.;

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

5.The registrant’s other certifying officer 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.

 

Date: May 15, 2019 /s/Scott A. Everson
  Scott A. Everson, President and CEO

 

 

 

EX-31.2 3 tv521021_ex31-2.htm EXHIBIT 31.2

 

Exhibit 31.2

 

CERTIFICATIONS

 

I, Randall M. Greenwood, Chief Financial Officer of United Bancorp, Inc., certify that:

 

(b)I have reviewed this Form 10-Q of United Bancorp, Inc.;

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

Date:  May 15, 2019 /s/Randall M. Greenwood
  Randall M. Greenwood, CFO

 

 

 

EX-32.1 4 tv521021_ex32-1.htm EXHIBIT 32.1

 

Exhibit 32.1

 

CERTIFICATION PURSUANT TO

18 U.S.C. SECTION 1350,

AS ENACTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

 

In connection with the Quarterly Report of United Bancorp, Inc. (the "Company") on Form 10-Q for the period ending March 31, 2019 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Scott A. Everson, President and Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. § 1350, as enacted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

 

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

 

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

 

/s/Scott A. Everson  
Scott A. Everson,  
President and Chief Executive Officer  
   
May 15, 2019  

 

 

 

EX-32.2 5 tv521021_ex32-2.htm EXHIBIT 32.2

 

Exhibit 32.2

 

CERTIFICATION PURSUANT TO

18 U.S.C. SECTION 1350,

AS ENACTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

 

In connection with the Quarterly Report of United Bancorp, Inc. (the "Company") on Form 10-Q for the period ending March 31, 2019 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Randall M. Greenwood, Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C. § 1350, as enacted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

 

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

 

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

 

/s/Randall M. Greenwood  
Randall M. Greenwood,  
Chief Financial Officer  
   
May 15, 2019  

 

 

 

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font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">Note 1:</div></div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: top; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; text-align: justify; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">Summary of Significant Accounting Policies</div></div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 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(&#8220;Company&#8221;) at March 31, 2019, and its results of operations and cash flows for the interim periods presented. All such adjustments are normal and recurring in nature. The accompanying condensed consolidated financial statements have been prepared in accordance with the instructions for Form 10-Q and, therefore, do not purport to contain all the necessary financial disclosures required by accounting principles generally accepted in the United States of America that might otherwise be necessary in the circumstances and should be read in conjunction with the Company&#8217;s consolidated financial statements and related notes for the year ended December 31, 2017 included in its Annual Report on Form 10-K. Reference is made to the accounting policies of the Company described in the Notes to the Consolidated Financial Statements contained in its Annual Report on Form 10-K. The results of operations for the three months ended March 31, 2018, are not necessarily indicative of the results to be expected for the full year. The condensed consolidated balance sheet of the Company as of December 31, 2018 has been derived from the audited consolidated balance sheet of the Company as of that date.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.2in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-style:italic;display:inline;;font-style:italic;display:inline;"><div style="font-weight:bold;display:inline;">&#160;</div></div></div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-bottom: 0px; margin-top: 0px; text-align: justify; margin-right: 0px; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-style:italic;display:inline;;font-style:italic;display:inline;"><div style="font-weight:bold;display:inline;">Principles of Consolidation</div></div></div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">The consolidated financial statements include the accounts of United Bancorp, Inc. 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These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided and future results could differ. The allowance for loan losses and fair values of financial instruments are particularly subject to change.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.2in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-style:italic;display:inline;;font-style:italic;display:inline;"><div style="font-weight:bold;display:inline;">&#160;</div></div></div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-bottom: 0px; margin-top: 0px; text-align: justify; margin-right: 0px; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-style:italic;display:inline;;font-style:italic;display:inline;"><div style="font-weight:bold;display:inline;">Loans</div></div></div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoffs are reported at their outstanding principal balances adjusted for unearned income, charge-offs, the allowance for loan losses, any unamortized deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">For loans amortized at cost, interest income is accrued based on the unpaid principal balance. 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Past due status is based on contractual terms of the loan. For all loan classes, the entire balance of the loan is considered past due if the minimum payment contractually required to be paid is not received by the contractual due date. For all loan classes, loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Management&#8217;s general practice is to proactively charge down loans individually evaluated for impairment to the fair value of the underlying collateral. 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The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Nonaccrual loans are returned to accrual status when, in the opinion of management, the financial position of the borrower indicates there is no longer any reasonable doubt as to the timely collection of interest or principal. 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Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">The allowance for loan losses is evaluated on a regular basis by management and is based upon management&#8217;s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower&#8217;s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired. For those loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-impaired loans and is based on historical charge-off experience by segment. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the prior five years. </div><div style="color: rgb(0, 0, 0); font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; letter-spacing: 0px; top: 0px;;display:inline;">Management believes the five year historical loss experience methodology is appropriate in the current economic environment.</div><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"> Other adjustments (qualitative/environmental considerations) for each segment may be added to the allowance for each loan segment after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss or risk rating data.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due based on the loan&#8217;s current payment status and the borrower&#8217;s financial condition including available sources of cash flows. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#8217;s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for non-homogenous type loans such as commercial, non-owner residential and construction loans by either the present value of expected future cash flows discounted at the loan&#8217;s effective interest rate, the loan&#8217;s obtainable market price or the fair value of the collateral if the loan is collateral dependent. For impaired loans&#160;where the Company utilizes the discounted cash flows to determine the level of impairment, the Company includes the entire change in the present value of cash flows as bad debt expense.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">The fair values of collateral dependent impaired loans are based on independent appraisals of the collateral. In general, the Company acquires an updated appraisal upon identification of impairment and annually thereafter for commercial, commercial real estate and multi-family loans. If the most recent appraisal is over a year old, and a new appraisal is not performed, due to lack of comparable values or other reasons, the existing appraisal is utilized and discounted generally 10% -35% based on the age of the appraisal, condition of the subject property, and overall economic conditions. After determining the collateral value as described, the&#160;fair value&#160;is calculated&#160;based on the&#160;determined collateral value less selling expenses. The potential for outdated appraisal values is considered in our determination of the allowance for loan losses through our analysis of various trends and conditions including the local economy, trends in charge-offs and delinquencies, etc. and the related qualitative adjustments assigned by the Company.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Segments of loans with similar risk characteristics are collectively evaluated for impairment based on the segment&#8217;s historical loss experience adjusted for changes in trends, conditions and other relevant factors that affect repayment of the loans. Accordingly, the Company does not separately identify individual consumer and residential loans for impairment measurements, unless such loans are the subject of a restructuring agreement due to financial difficulties of the borrower.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.38in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">In the course of working with borrowers, the Company may choose to restructure the contractual terms of certain loans. In this scenario, the Company attempts to work-out an alternative payment schedule with the borrower in order to optimize collectability of the loan. Any loans that are modified are reviewed by the Company to identify if a troubled debt restructuring (&#8220;TDR&#8221;) has occurred, which is when, for economic or legal reasons related to a borrower&#8217;s financial difficulties, the Company grants a concession to the borrower that it would not otherwise consider. Terms may be modified to fit the ability of the borrower to repay in line with its current financial status and the restructuring of the loan may include the transfer of assets from the borrower to satisfy the debt, a modification of loan terms, or a combination of the two. If such efforts by the Company do not result in a satisfactory arrangement, the loan is referred to legal counsel, at which time foreclosure proceedings are initiated. At any time prior to a sale of the property at foreclosure, the Company may terminate foreclosure proceedings if the borrower is able to work-out a satisfactory payment plan.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">It is the Company&#8217;s policy to have any restructured loans which are on nonaccrual status prior to being restructured remain on nonaccrual status until six months of satisfactory borrower performance at which time management would consider its return to accrual status. If a loan was accruing at the time of restructuring, the Company reviews the loan to determine if it is appropriate to continue the accrual of interest on the restructured loan.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.38in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">With regard to determination of the amount of the allowance for credit losses, trouble debt restructured loans are considered to be impaired. 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font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">&#160;</div></div></div></td><td colspan="10" style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; text-align: center; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">Three Months Ended March 31, 2019</div></div></div></td><td style="border-width: initial; 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font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 1pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); border-left-width: initial; border-left-color: initial; border-right-width: initial; border-right-color: initial; border-top: none; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">&#160;</div></div></div></td><td colspan="10" style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); border-left-width: initial; border-left-color: initial; border-right-width: initial; border-right-color: initial; border-top: none; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-bottom: 0px; margin-top: 0px; text-align: center; margin-right: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">Net</div></div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-bottom: 0px; margin-top: 0px; text-align: center; margin-right: 0px; 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background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); border-left-width: initial; border-left-color: initial; border-right-width: initial; border-right-color: initial; border-top: none; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-bottom: 0px; margin-top: 0px; text-align: center; margin-right: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">Per Share</div></div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-bottom: 0px; margin-top: 0px; text-align: center; margin-right: 0px; 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font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td colspan="2" style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td></tr><tr><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; 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ASU 2016-13 requires that financial assets measured at amortized cost be presented at the net amount expected to be collected, through an allowance for credit losses that is deducted from the amortized cost basis. The amendments in ASU 2016-13 eliminate the probable incurred loss recognition in current GAAP and reflect an entity&#8217;s current estimate of all expected credit losses. 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Early adoption is permitted for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. The Company is currently evaluating the impact of these amendments to the Company&#8217;s financial position and results of operations and currently does not know or cannot reasonably quantify the impact of the adoption of the amendments as a result of the complexity and extensive changes from the amendments. The Allowance for Loan Losses (ALL) estimate is material to the Company and given the change from an incurred loss model to a methodology that considers the credit loss over the life of the loan, there is the potential for an increase in the ALL at adoption date. The Company is anticipating a significant change in the processes and procedures to calculate the ALL, including changes in assumptions and estimates to consider expected credit losses over the life of the loan versus the current accounting practice that utilizes the incurred loss model. In addition, the current accounting policy and procedures for the other-than-temporary impairment on available-for-sale securities will be replaced with an allowance approach. The Company continues to run projections and reviewing segmentation to ensure it is fully compliant with the amendments at adoption date. We anticipate having an range of potential impact on the Company in the third quarter of 2019. For additional information on the allowance for loan losses, see Note 4.</div></div><table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table> 42078000 97240000 0 42078000 0 0 97240000 0 44750000 79241000 0 44750000 0 0 79241000 0 445000 0 0 445000 91000 0 0 91000 314000 0 0 314000 314000 Market comparable properties Comparability adjustments Market comparable properties Comparability adjustments 91000 Market comparable properties Marketability discount 32692000 32692000 0 0 411813000 0 0 411575000 0 4012000 0 25253000 25253000 0 0 407640000 0 0 405033000 0 4243000 0 2104000 5206000 15573000 27486000 9680000 32692000 25253000 139318000 123991000 411813000 407640000 12197000 12117000 4012000 4243000 91000 0 2104000 0 538931000 0 538265000 0 13441000 0 13441000 0 80000 0 79000 0 4124000 0 3647000 0 177000 0 177000 0 1798000 0 1798000 0 525443000 0 524010000 0 8068000 0 8068000 0 106000 0 101000 0 4124000 0 3647000 0 188000 0 188000 0 91000 12948000 13115000 4178000 3273000 621008000 593213000 315067000 309505000 110924000 111251000 112940000 104687000 538931000 525443000 13441000 8068000 80000 106000 10139000 4610000 567222000 542570000 0 0 5927000 5927000 22826000 22556000 25153000 24321000 1932000 1701000 335000 404000 2460000 -10000 313000 46000 53786000 50643000 621008000 593213000 5235000 4331000 205000 174000 724000 32000 85000 27000 66000 61000 6315000 4625000 1126000 457000 81000 66000 1207000 523000 5108000 4102000 90000 57000 5018000 4045000 4000 14000 228000 235000 945000 880000 2183000 1832000 550000 540000 303000 192000 111000 103000 105000 96000 679000 581000 4162000 3579000 2083000 2043000 2000000 2000000 0 0 0 0 1 1 10000000 10000000 5926851 5926851 5737219 5739203 160008 182457 29024 5744 <div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-bottom: 0px; margin-top: 0px; text-align: justify; margin-right: 0px; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-style:italic;display:inline;;font-style:italic;display:inline;"><div style="font-weight:bold;display:inline;">Principles of Consolidation</div></div></div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">The consolidated financial statements include the accounts of United Bancorp, Inc. 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The Bank also operates a Loan Production Office in Wheeling, West Virginia.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">The Company&#8217;s primary deposit products are checking, savings and term certificate accounts and its primary lending products are residential mortgage, commercial and installment loans. 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These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided and future results could differ. The allowance for loan losses and fair values of financial instruments are particularly subject to change.</div></div><table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table> <div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-bottom: 0px; margin-top: 0px; text-align: justify; margin-right: 0px; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-style:italic;display:inline;;font-style:italic;display:inline;"><div style="font-weight:bold;display:inline;">Loans</div></div></div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoffs are reported at their outstanding principal balances adjusted for unearned income, charge-offs, the allowance for loan losses, any unamortized deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">For loans amortized at cost, interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, as well as premiums and discounts, are deferred and amortized as a level yield adjustment over the respective term of the loan.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">For all loan classes, the accrual of interest is discontinued at the time the loan is 90 days past due unless the credit is well-secured and in process of collection. Past due status is based on contractual terms of the loan. For all loan classes, the entire balance of the loan is considered past due if the minimum payment contractually required to be paid is not received by the contractual due date. For all loan classes, loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Management&#8217;s general practice is to proactively charge down loans individually evaluated for impairment to the fair value of the underlying collateral. Consistent with regulatory guidance, charge-offs on all loan segments are taken when specific loans, or portions thereof, are considered uncollectible. The Company&#8217;s policy is to promptly charge these loans off in the period the uncollectible loss is reasonably determined.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">For all loan portfolio segments except residential and consumer loans, the Company promptly charges-off loans, or portions thereof, when available information confirms that specific loans are uncollectible based on information that includes, but is not limited to, (1) the deteriorating financial condition of the borrower, (2) declining collateral values, and/or (3) legal action, including bankruptcy, that impairs the borrower&#8217;s ability to adequately meet its obligations. For impaired loans that are considered to be solely collateral dependent, a partial charge-off is recorded when a loss has been confirmed by an updated appraisal or other appropriate valuation of the collateral.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">The Company charges-off residential and consumer loans when the Company reasonably determines the amount of the loss. The Company adheres to timeframes established by applicable regulatory guidance which provides for the charge-down of 1-4 family first and junior lien mortgages to the net realizable value less costs to sell when the loan is 120 days past due, charge-off of unsecured open-end loans when the loan is 120 days past due, and charge down to the net realizable value when other secured loans are 120 days past due. Loans at these respective delinquency thresholds for which the Company can clearly document that the loan is both well-secured and in the process of collection, such that collection will occur regardless of delinquency status, need not be charged off.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">For all classes, all interest accrued but not collected for loans that are placed on nonaccrual or charged off are reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Nonaccrual loans are returned to accrual status when, in the opinion of management, the financial position of the borrower indicates there is no longer any reasonable doubt as to the timely collection of interest or principal. The Company requires a period of satisfactory performance of not less than six months before returning a nonaccrual loan to accrual status.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">When cash payments are received on impaired loans in each loan class, the Company records the payment as interest income unless collection of the remaining recorded principal amount is doubtful, at which time payments are used to reduce the principal balance of the loan. Troubled debt restructured loans recognize interest income on an accrual basis at the renegotiated rate if the loan is in compliance with the modified terms, no principal reduction has been granted and the loan has demonstrated the ability to perform in accordance with the renegotiated terms for a period of at least six months.</div></div><table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table> <div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-bottom: 0px; margin-top: 0px; text-align: justify; margin-right: 0px; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-style:italic;display:inline;;font-style:italic;display:inline;"><div style="font-weight:bold;display:inline;">Allowance for Loan Losses</div></div></div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to income. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">The allowance for loan losses is evaluated on a regular basis by management and is based upon management&#8217;s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower&#8217;s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired. For those loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-impaired loans and is based on historical charge-off experience by segment. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the prior five years. </div><div style="color: rgb(0, 0, 0); font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; letter-spacing: 0px; top: 0px;;display:inline;">Management believes the five year historical loss experience methodology is appropriate in the current economic environment.</div><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"> Other adjustments (qualitative/environmental considerations) for each segment may be added to the allowance for each loan segment after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss or risk rating data.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due based on the loan&#8217;s current payment status and the borrower&#8217;s financial condition including available sources of cash flows. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#8217;s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for non-homogenous type loans such as commercial, non-owner residential and construction loans by either the present value of expected future cash flows discounted at the loan&#8217;s effective interest rate, the loan&#8217;s obtainable market price or the fair value of the collateral if the loan is collateral dependent. For impaired loans&#160;where the Company utilizes the discounted cash flows to determine the level of impairment, the Company includes the entire change in the present value of cash flows as bad debt expense.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">The fair values of collateral dependent impaired loans are based on independent appraisals of the collateral. In general, the Company acquires an updated appraisal upon identification of impairment and annually thereafter for commercial, commercial real estate and multi-family loans. If the most recent appraisal is over a year old, and a new appraisal is not performed, due to lack of comparable values or other reasons, the existing appraisal is utilized and discounted generally 10% -35% based on the age of the appraisal, condition of the subject property, and overall economic conditions. After determining the collateral value as described, the&#160;fair value&#160;is calculated&#160;based on the&#160;determined collateral value less selling expenses. The potential for outdated appraisal values is considered in our determination of the allowance for loan losses through our analysis of various trends and conditions including the local economy, trends in charge-offs and delinquencies, etc. and the related qualitative adjustments assigned by the Company.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Segments of loans with similar risk characteristics are collectively evaluated for impairment based on the segment&#8217;s historical loss experience adjusted for changes in trends, conditions and other relevant factors that affect repayment of the loans. Accordingly, the Company does not separately identify individual consumer and residential loans for impairment measurements, unless such loans are the subject of a restructuring agreement due to financial difficulties of the borrower.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.38in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">In the course of working with borrowers, the Company may choose to restructure the contractual terms of certain loans. In this scenario, the Company attempts to work-out an alternative payment schedule with the borrower in order to optimize collectability of the loan. Any loans that are modified are reviewed by the Company to identify if a troubled debt restructuring (&#8220;TDR&#8221;) has occurred, which is when, for economic or legal reasons related to a borrower&#8217;s financial difficulties, the Company grants a concession to the borrower that it would not otherwise consider. Terms may be modified to fit the ability of the borrower to repay in line with its current financial status and the restructuring of the loan may include the transfer of assets from the borrower to satisfy the debt, a modification of loan terms, or a combination of the two. If such efforts by the Company do not result in a satisfactory arrangement, the loan is referred to legal counsel, at which time foreclosure proceedings are initiated. 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If a loan was accruing at the time of restructuring, the Company reviews the loan to determine if it is appropriate to continue the accrual of interest on the restructured loan.</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.38in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">With regard to determination of the amount of the allowance for credit losses, trouble debt restructured loans are considered to be impaired. As a result, the determination of the amount of impaired loans for each portfolio segment within troubled debt restructurings is the same as detailed previously.</div></div><table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table> <div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-bottom: 0px; margin-top: 0px; margin-right: 0px; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-style:italic;display:inline;;font-style:italic;display:inline;"><div style="font-weight:bold;display:inline;">Earnings Per Share</div></div></div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Earnings per share (EPS) were computed as follows:</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div><table style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; border-image: initial; border-collapse: collapse; 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font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">&#160;</div></div></div></td><td colspan="10" style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; text-align: center; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">Three Months Ended March 31, 2019</div></div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; 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text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 1pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); border-left-width: initial; border-left-color: initial; border-right-width: initial; border-right-color: initial; border-top: none; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td></tr><tr><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 0px 9pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; text-indent: -0.13in; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">&#160;</div></div></div></td><td colspan="10" style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); border-left-width: initial; border-left-color: initial; border-right-width: initial; border-right-color: initial; border-top: none; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-bottom: 0px; margin-top: 0px; text-align: center; margin-right: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">Net</div></div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-bottom: 0px; margin-top: 0px; text-align: center; margin-right: 0px; 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background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); border-left-width: initial; border-left-color: initial; border-right-width: initial; border-right-color: initial; border-top: none; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-bottom: 0px; margin-top: 0px; text-align: center; margin-right: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">Per Share</div></div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-bottom: 0px; margin-top: 0px; text-align: center; margin-right: 0px; 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font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td colspan="2" style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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This two class method is an earnings allocation method under which earnings per share is calculated for common stock and participating securities, considering both dividends declared and participation rights in undistributed earnings as if all such earnings had been distributed during the period. 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Tax regulations within each jurisdiction are subject to the interpretation of the related tax laws and regulations and require significant judgment to apply. 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background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">&#160;</div></div></div></td></tr><tr><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 1pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">&#160;</div></div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 1pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">&#160;</div></div></div></td><td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); border-left-width: initial; border-left-color: initial; border-right-width: initial; border-right-color: initial; border-top: none; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; text-align: center; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">2019</div></div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 1pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">&#160;</div></div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 1pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">&#160;</div></div></div></td><td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); border-left-width: initial; border-left-color: initial; border-right-width: initial; border-right-color: initial; border-top: none; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; text-align: center; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">2018</div></div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 1pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">&#160;</div></div></div></td></tr><tr><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td colspan="6" style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; text-align: center; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">(In thousands)</div></div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td></tr><tr><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td colspan="2" style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td colspan="2" style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td></tr><tr><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; width: 74%; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Service cost</div></div></td><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; 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color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">$</div></div></td><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; width: 10%; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; text-align: right; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">75</div></div></td><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; width: 1%; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; width: 1%; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(204, 238, 255); 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font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">76</div></div></td><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; width: 1%; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td></tr><tr><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; text-align: right; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">55</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; 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background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; text-align: right; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td></tr><tr><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 2.5pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">29</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 2.5pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; 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background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">All components of pension expense are reflected within the salaries and employee benefits line of the income statement.</div></div><table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table> 1801000 1346000 187000 198000 1614000 1148000 0.28 0.23 0.28 0.23 1614000 1148000 2470000 -170000 4084000 978000 42250000 172000 42078000 93282000 3958000 0 97240000 135532000 3958000 172000 139318000 45250000 500000 44750000 0 78083000 1194000 36000 79241000 123333000 536000 123991000 47715000 47543000 135532000 139318000 0 44750000 44750000 5182000 0 5182000 5182000 44750000 49932000 0 42078000 42078000 0 42078000 42078000 42100000 48400000 49900000 42100000 0.40 0.30 94396000 93690000 231516000 223461000 76883000 78767000 11101000 13765000 413896000 409683000 2083000 2043000 411813000 407640000 389000 672000 519000 463000 0 2043000 21000 -50000 207000 -88000 0 90000 0 41000 59000 18000 0 0 1000 0 1000 7000 9000 0 393000 622000 727000 341000 2083000 0 77000 145000 0 68000 0 393000 545000 727000 273000 1938000 88000 778000 435000 1301000 94308000 230738000 76883000 10666000 412595000 0 537000 843000 436000 218000 88000 2122000 -16000 -173000 9000 239000 -2000 57000 0 0 0 69000 69000 0 1000 1000 1000 12000 15000 0 522000 671000 446000 400000 86000 2125000 0 77000 77000 0 0 522000 594000 446000 400000 86000 2048000 9000 612000 406000 1027000 84424000 198722000 74563000 11749000 369458000 0 0 0 0 0 85000 85000 0 0 389000 587000 519000 463000 0 1958000 57000 809000 0 959000 93633000 222652000 78767000 13672000 408724000 0 93000 0 0 94298000 226305000 76883000 10666000 408152000 3992000 3992000 98000 1219000 0 1752000 94396000 231516000 0 0 0 435000 0 0 0 0 93620000 219485000 78767000 13672000 0 2710000 70000 1266000 0 93690000 223461000 0 0 0 0 656000 -44000 0 0 0 0 0 0 93000 <div style="font-family: &quot;times new roman&quot;, times, serif; 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background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">&#160;</div></div></div></td><td colspan="6" style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; text-align: center; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">Three months ended </div></div><br/><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">March 31,</div></div></div></td><td style="border-width: initial; 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font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">&#160;</div></div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 1pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">&#160;</div></div></div></td><td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); border-left-width: initial; 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font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">&#160;</div></div></div></td></tr><tr><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td colspan="6" style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; text-align: center; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">(In thousands)</div></div></div></td><td style="border-width: initial; 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background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td colspan="2" style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; 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letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td></tr><tr><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; width: 74%; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; 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font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td></tr><tr><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Interest cost</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; text-align: right; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">55</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; 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font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 1pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Amortization of prior service cost and net loss</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 1pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-bottom: 1pt solid rgb(0, 0, 0); border-left-width: initial; border-left-color: initial; border-right-width: initial; border-right-color: initial; border-top: none; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-bottom: 1pt solid rgb(0, 0, 0); border-left-width: initial; border-left-color: initial; border-right-width: initial; 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background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 1pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-bottom: 1pt solid rgb(0, 0, 0); border-left-width: initial; border-left-color: initial; border-right-width: initial; border-right-color: initial; border-top: none; padding: 0pt 0px; vertical-align: bottom; 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font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(204, 238, 255); border-width: initial; 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Due to the immateriality of the impact, certain disclosures under ASU 842 have been omitted.</div></div><table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table> <div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-bottom: 0px; margin-top: 0px; margin-right: 0px; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-style:italic;display:inline;;font-style:italic;display:inline;"><div style="font-weight:bold;display:inline;">Recent Accounting Pronouncements</div></div></div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.2in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-style:italic;display:inline;;font-style:italic;display:inline;"><div style="font-weight:bold;display:inline;">&#160;</div></div></div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">In June 2016, the FASB issued ASU No. 2016-13, </div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-style:italic;display:inline;;font-style:italic;display:inline;">&#8220;Financial Instruments-Credit Losses (Topic 326) - Measurement of Credit Losses on Financial Instruments.&#8221;</div></div><div style="white-space: pre-line; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"> The provisions of ASU 2016-13 were issued to provide financial statement users with more decision-useful information about the expected credit losses on financial instruments that are not accounted for at fair value through net income, including loans held for investment, held-to-maturity debt securities, trade and other receivables, net investment in leases and other commitments to extend credit held by a reporting entity at each reporting date. ASU 2016-13 requires that financial assets measured at amortized cost be presented at the net amount expected to be collected, through an allowance for credit losses that is deducted from the amortized cost basis. The amendments in ASU 2016-13 eliminate the probable incurred loss recognition in current GAAP and reflect an entity&#8217;s current estimate of all expected credit losses. 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Early adoption is permitted for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. The Company is currently evaluating the impact of these amendments to the Company&#8217;s financial position and results of operations and currently does not know or cannot reasonably quantify the impact of the adoption of the amendments as a result of the complexity and extensive changes from the amendments. The Allowance for Loan Losses (ALL) estimate is material to the Company and given the change from an incurred loss model to a methodology that considers the credit loss over the life of the loan, there is the potential for an increase in the ALL at adoption date. The Company is anticipating a significant change in the processes and procedures to calculate the ALL, including changes in assumptions and estimates to consider expected credit losses over the life of the loan versus the current accounting practice that utilizes the incurred loss model. In addition, the current accounting policy and procedures for the other-than-temporary impairment on available-for-sale securities will be replaced with an allowance approach. The Company continues to run projections and reviewing segmentation to ensure it is fully compliant with the amendments at adoption date. We anticipate having an range of potential impact on the Company in the third quarter of 2019. 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text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 1pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;">&#160;</div></td><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 1pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; text-align: right; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; text-align: right; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">145</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 1pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; text-align: right; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 1pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 2.5pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Total liabilities assumed</div></div></td><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 2.5pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td></tr><tr><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 2.5pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Common shares issued</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; 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border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 2.5pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 2.5pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-bottom: 2.5pt double rgb(0, 0, 0); border-left-width: initial; border-left-color: initial; border-right-width: initial; border-right-color: initial; border-top: none; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">$</div></div></td><td style="background: rgb(255, 255, 255); border-bottom: 2.5pt double rgb(0, 0, 0); border-left-width: initial; border-left-color: initial; border-right-width: initial; border-right-color: initial; 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color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td></tr><tr><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 1pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Cash paid</div></div></td><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 1pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(204, 238, 255); border-bottom: 1pt solid rgb(0, 0, 0); border-left-width: initial; border-left-color: initial; border-right-width: initial; border-right-color: initial; border-top: none; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(204, 238, 255); 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Additionally, $682,000 has been allocated to goodwill. The core deposit will be amortized over 7 years on a straight line basis. Direct costs related to the acquisition were expensed as incurred and reflected in other noninterest expense in the consolidated statement of income for the year ended December 31, 2018. The amount of goodwill reflects the Company&#8217;s expansion in the Powhatan Point market and related synergies that are expected to result from the acquisition and represent the excess purchase price over the estimated fair value of the net assets acquired. The goodwill will not be amortizable in the Company&#8217;s financial statements and will not be deductible for tax purposes. 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The fair value of assets acquired includes loans with a fair value of $6,779,000. The gross principal and contractual interest due under the contracts is $6,875,000, of which $86,000 is expected to be uncollectible.</div></div><table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table> <div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-bottom: 0px; margin-top: 0px; text-align: justify; margin-right: 0px; background: none;">The following table summarizes the allocation purchase prices for Powhatan Point.</div><table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><table style="border-width: initial;border-top-style: none;border-bottom-style: none;border-color: initial;border-image: initial;border-collapse: collapse;margin-bottom: 0.001pt;width: 90%;margin-left: auto;margin-right: auto;"><tr><td colspan="11" style="border-width: initial; 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font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Non interest bearing</div></div></td><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; text-align: right; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 2.5pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td></tr><tr><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 2.5pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 2.5pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 2.5pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-bottom: 2.5pt double rgb(0, 0, 0); border-left-width: initial; border-left-color: initial; border-right-width: initial; border-right-color: initial; border-top: none; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">$</div></div></td><td style="background: rgb(255, 255, 255); border-bottom: 2.5pt double rgb(0, 0, 0); border-left-width: initial; border-left-color: initial; border-right-width: initial; border-right-color: initial; border-top: none; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; text-align: right; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">56,088</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 2.5pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td></tr><tr><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 1pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Cash paid</div></div></td><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 1pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(204, 238, 255); border-bottom: 1pt solid rgb(0, 0, 0); border-left-width: initial; border-left-color: initial; border-right-width: initial; border-right-color: initial; border-top: none; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(204, 238, 255); border-bottom: 1pt solid rgb(0, 0, 0); border-left-width: initial; border-left-color: initial; border-right-width: initial; border-right-color: initial; border-top: none; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; text-align: right; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">1,529</div></div></td><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 1pt; vertical-align: bottom; 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top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 1pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(204, 238, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0px 0px 1pt; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(204, 238, 255); border-bottom: 1pt solid rgb(0, 0, 0); border-left-width: initial; border-left-color: initial; border-right-width: initial; border-right-color: initial; border-top: none; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(204, 238, 255); 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margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td></tr></table> 37000 0 -66000 -3000 219000 1222000 69000 121000 807000 75000 -683000 -603000 231000 0 267000 0 5465000 0 231000 -231000 0 0 0 0 0 267000 0 0 0 267000 <div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Earnings per share (EPS) were computed as follows:</div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin: 0px 0px 0px 0.4in; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div><table style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; border-image: initial; border-collapse: collapse; margin-bottom: 0.001pt; margin-left: 0.25in; width: 96%;"><tr><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="border-width: initial; border-top-style: none; 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font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td colspan="2" style="border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td></tr><tr><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-right: 0px; margin-bottom: 0px; margin-top: 0px; background: none; line-height: normal;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="background: rgb(255, 255, 255); border-width: initial; border-top-style: none; border-bottom-style: none; border-color: initial; padding: 0pt 0px; vertical-align: bottom; font-size: 10pt; line-height: 10pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; 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padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; 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padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; 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padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="text-indent: -9pt; padding-left: 9pt; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; 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text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">123,991</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td></tr></table><table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table> <div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">The amortized cost and fair value of available-for-sale securities at March 31, 2019, by contractual maturity, are shown below. 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padding-left: 0px; padding-top: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">91,775</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td></tr><tr style="vertical-align: bottom; 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padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">139,318</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td></tr></table><table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table> <div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">The following tables show the Company&#8217;s investments&#8217; gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at March 31, 2019:</div></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><table cellpadding="0" cellspacing="0" style="font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; border-collapse: collapse; width: 100%; border-spacing: 0px;"><tr style="vertical-align: bottom;"><td colspan="25" style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">March 31, 2019</div></td></tr><tr style="vertical-align: bottom;"><td style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;">&#160;</td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="6" style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Less than 12 Months</div></td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="6" style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">12 Months or More</div></td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="6" style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Total</div></td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom;"><td style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Description of<br/>Securities</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Fair Value</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Unrealized<br/>Losses</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Fair Value</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Unrealized<br/>Losses</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Fair Value</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Unrealized<br/>Losses</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td colspan="25" style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;"><div style="font-weight:bold;display:inline;">(In thousands)</div></td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="width: 404px; text-align: left; padding-bottom: 2.5pt; text-indent: -9pt; padding-left: 9pt; padding-top: 0px;">U.S. Government agencies</td><td style="width: 19px; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="width: 19px; padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="width: 19px; padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">42,078</td><td style="width: 19px; padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(172</td><td style="width: 19px; padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">)</td><td style="width: 19px; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">42,078</td><td style="width: 18px; padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 18px; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 18px; border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 188px; border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(172</td><td style="width: 18px; padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">)</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="text-align: left; padding-bottom: 2.5pt; text-indent: -9pt; padding-left: 9pt; padding-top: 0px;">Total temporarily impaired securities</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">42,078</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(172</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">)</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">42,078</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(172</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">)</td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="clear: both; max-height: 0px; background: none;"></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.4in; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;&#160;</div></div><table cellpadding="0" cellspacing="0" style="font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; border-collapse: collapse; width: 100%; border-spacing: 0px;"><tr style="vertical-align: bottom;"><td colspan="25" style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">December 31, 2018</div></td></tr><tr style="vertical-align: bottom;"><td style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;">&#160;</td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="6" style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Less than 12 Months</div></td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="6" style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">12 Months or More</div></td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="6" style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Total</div></td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom;"><td style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Description of<br/>Securities</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Fair Value</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Unrealized<br/>Losses</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Fair Value</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Unrealized<br/>Losses</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Fair Value</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Unrealized<br/>Losses</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td colspan="25" style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(In thousands)</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="width: 401.609px; text-align: left; text-indent: -0.15in; padding-left: 0.15in; padding-top: 0px; padding-bottom: 0px;">US Government agencies</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">44,750</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(500</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">)</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">44,750</td><td style="width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 18px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 18px; 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padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="text-indent: -9pt; padding-left: 0.25in; padding-top: 0px; padding-bottom: 0px;">December 31, 2018:</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; 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padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(536</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">)</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">123,991</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="clear: both; max-height: 0px; background: none;"></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; 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letter-spacing: 0px; top: 0px;;display:inline;">The amortized cost and fair value of available-for-sale securities at March 31, 2019, by contractual maturity, are shown below. 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padding-left: 0px; padding-top: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">91,775</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td></tr><tr style="vertical-align: bottom; 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letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">The carrying value of securities pledged as collateral, to secure public deposits and for other purposes, was $42.1 million and $48.4 million at March 31, 2019 and December&#160;31, 2018, respectively.</div></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Certain investments in debt securities are reported in the financial statements at an amount less than their historical cost. The total fair value of these investments at March 31, 2019 was $42.1 million, which represented approximately 30% of the Company&#8217;s available-for-sale investment portfolio. The total fair value of these investments at December 31, 2018 was $49.9 million, which represented approximately 40% of the Company&#8217;s available-for-sale investment portfolio.</div></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Based on evaluation of available evidence, including recent changes in market interest rates, credit rating information and information obtained from regulatory filings, management believes the declines in fair value for these securities are temporary and are a result of an increase in longer term interest rates.</div></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Should the impairment of any of these securities become other-than-temporary, the cost basis of the investment will be reduced and the resulting loss recognized in net income in the period the other-than-temporary impairment is identified.</div></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; 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letter-spacing: 0px; top: 0px;;display:inline;">The following tables show the Company&#8217;s investments&#8217; gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at March 31, 2019:</div></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><table cellpadding="0" cellspacing="0" style="font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; border-collapse: collapse; width: 100%; border-spacing: 0px;"><tr style="vertical-align: bottom;"><td colspan="25" style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">March 31, 2019</div></td></tr><tr style="vertical-align: bottom;"><td style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;">&#160;</td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="6" style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Less than 12 Months</div></td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="6" style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">12 Months or More</div></td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="6" style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Total</div></td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom;"><td style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Description of<br/>Securities</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Fair Value</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Unrealized<br/>Losses</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Fair Value</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Unrealized<br/>Losses</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; 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text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="width: 19px; padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">42,078</td><td style="width: 19px; padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(172</td><td style="width: 19px; padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">)</td><td style="width: 19px; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">42,078</td><td style="width: 18px; padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 18px; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 18px; border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 188px; border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(172</td><td style="width: 18px; padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">)</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="text-align: left; padding-bottom: 2.5pt; text-indent: -9pt; padding-left: 9pt; padding-top: 0px;">Total temporarily impaired securities</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">42,078</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(172</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">)</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">42,078</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(172</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">)</td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="clear: both; max-height: 0px; background: none;"></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.4in; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;&#160;</div></div><table cellpadding="0" cellspacing="0" style="font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; border-collapse: collapse; width: 100%; border-spacing: 0px;"><tr style="vertical-align: bottom;"><td colspan="25" style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">December 31, 2018</div></td></tr><tr style="vertical-align: bottom;"><td style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;">&#160;</td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="6" style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Less than 12 Months</div></td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="6" style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">12 Months or More</div></td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="6" style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Total</div></td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom;"><td style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Description of<br/>Securities</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Fair Value</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Unrealized<br/>Losses</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Fair Value</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Unrealized<br/>Losses</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Fair Value</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Unrealized<br/>Losses</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td colspan="25" style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(In thousands)</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="width: 401.609px; text-align: left; text-indent: -0.15in; padding-left: 0.15in; padding-top: 0px; padding-bottom: 0px;">US Government agencies</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">44,750</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(500</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">)</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">44,750</td><td style="width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 18px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 188px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(500</td><td style="width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">)</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="text-align: left; text-indent: -0.15in; padding-left: 0.15in; padding-bottom: 1pt; padding-top: 0px;">State and municipal obligations</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">5,182</td><td style="text-align: left; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(36</td><td style="text-align: left; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">)</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="text-align: left; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="text-align: left; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">5,182</td><td style="text-align: left; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(36</td><td style="text-align: left; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">)</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="text-indent: -0.15in; padding-left: 0.15in; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px;">Total temporarily impaired securities</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">5,182</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(36</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">)</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">44,750</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(500</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">)</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">49,932</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(536</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">)</td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="clear: both; max-height: 0px; background: none;"></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">The unrealized losses on the Company&#8217;s investments in U.S. Government agencies were caused primarily by interest rate changes. The contractual terms of those investments do not permit the issuer to settle the securities at a price less than the amortized cost bases of the investments. Because the Company does not intend to sell the investments and it is not more likely than not the Company will be required to sell the investments before recovery of their amortized cost bases, which may be maturity, the Company does not consider those investments to be other-than-temporarily impaired at March 31, 2019.</div></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">There were no sales of investment securities for the three months ended March 31, 2019 and March 31, 2018.</div></div><table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table> <div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; 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padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="width: 401.609px; text-indent: -0.15in; padding-left: 0.15in; padding-top: 0px; padding-bottom: 0px;">Balance, beginning of period</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">389</td><td style="width: 19px; text-align: left; 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text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">463</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 18px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 188px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">2,043</td><td style="width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="text-align: left; text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px; padding-bottom: 0px;">Provision charged to expense</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">21</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(50</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">)</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">207</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(88</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">)</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">90</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="text-align: left; text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px; padding-bottom: 0px;">Losses charged off</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(18</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">)</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(41</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">)</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(59</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">)</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="padding-bottom: 1pt; 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padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">1</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">7</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">9</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="text-indent: -0.15in; padding-left: 0.15in; padding-bottom: 2.5pt; padding-top: 0px;">Balance, end of period</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">393</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">622</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">727</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">341</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">2,083</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="text-align: left; text-indent: -0.15in; padding-left: 0.15in; padding-bottom: 2.5pt; padding-top: 0px;">Ending balance:&#160;&#160;individually evaluated for impairment</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">77</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">68</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">145</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="text-align: left; text-indent: -0.15in; padding-left: 0.15in; padding-bottom: 2.5pt; padding-top: 0px;">Ending balance:&#160;&#160;collectively evaluated for impairment</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">393</td><td style="text-align: left; 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padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="font-weight: normal; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="font-weight: normal; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="font-weight: normal; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="font-weight: normal; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="font-weight: normal; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="font-weight: normal; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; 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padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">436</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">218</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">88</td><td style="width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 18px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 188px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">2,122</td><td style="width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="text-align: left; text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px; padding-bottom: 0px;">Provision charged to expense</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(16</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(173</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">)</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">9</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">239</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(2</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">)</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">57</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="text-align: left; text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px; padding-bottom: 0px;">Losses charged off</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(69</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">)</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(69</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">)</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="padding-bottom: 1pt; text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px;">Recoveries</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">1</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">1</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">1</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">12</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">15</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="padding-bottom: 2.5pt; text-indent: -0.15in; padding-left: 0.15in; padding-top: 0px;">Balance, end of period</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">522</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">671</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">446</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">400</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">86</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">2,125</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.15in; padding-left: 0.15in; padding-top: 0px;">Ending balance:&#160;&#160;individually evaluated for impairment</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">77</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">77</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.15in; padding-left: 0.15in; padding-top: 0px;">Ending balance:&#160;&#160;collectively evaluated for impairment</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">522</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">594</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">446</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">400</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">86</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">2,048</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="text-indent: -0.15in; padding-left: 0.15in; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; 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text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">959</td><td style="padding-bottom: 2.5pt; 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padding-bottom: 0px;">&#8212;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 188px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">192</td><td style="width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 18px; 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padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">262</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">155</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; 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text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">4</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">19</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">95</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">13,670</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">13,765</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="padding-bottom: 2.5pt; text-indent: -0.15in; padding-left: 40.5pt; padding-top: 0px;">Total</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">1,874</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">360</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">155</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; 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text-align: center; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px; white-space: nowrap;">&#160;</td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Recorded<br/>Balance</div></td><td style="padding-bottom: 1pt; font-weight: normal; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Unpaid<br/>Principal<br/>Balance</div></td><td style="padding-bottom: 1pt; font-weight: normal; padding-left: 0px; 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text-indent: -0.15in; padding-left: 0.15in; padding-top: 0px; padding-bottom: 0px;">Loans without a specific valuation allowance:</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="width: 627.406px; text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px; padding-bottom: 0px;">Commercial</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">88</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">88</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">89</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 18px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 188px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="text-align: left; text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px; padding-bottom: 0px;">Commercial real estate</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">379</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">379</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">376</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">1</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="padding-bottom: 1pt; text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px;">Residential</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">244</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">244</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">250</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">4</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">711</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">711</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">715</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">5</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="text-align: left; text-indent: -0.15in; padding-left: 0.15in; padding-top: 0px; padding-bottom: 0px;">Loans with a specific valuation allowance:</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px; padding-bottom: 0px;">Commercial</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="text-align: left; text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px; padding-bottom: 0px;">Commercial&#160;&#160;real estate</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">399</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">399</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">77</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">408</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="padding-bottom: 1pt; text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px;">Residential</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; 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padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">57</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">57</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">10</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 18px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 188px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="width: 18px; text-align: left; padding-left: 0px; 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padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">624</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">4</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="padding-bottom: 1pt; text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px;">Residential</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">93</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">93</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">406</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">1</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">559</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">559</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">1,040</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">5</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="text-align: left; text-indent: -0.15in; padding-left: 0.15in; padding-top: 0px; padding-bottom: 0px;">Loans with a specific valuation allowance:</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px; padding-bottom: 0px;">Commercial</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="text-align: left; text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px; padding-bottom: 0px;">Commercial&#160;&#160;real estate</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">400</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">400</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">85</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">422</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="padding-bottom: 1pt; text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px;">Residential</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">400</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">400</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">85</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">422</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="text-indent: -0.15in; padding-left: 0.15in; padding-top: 0px; padding-bottom: 0px;">Total:</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; 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padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="padding-bottom: 2.5pt; text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px;">Commercial</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; 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text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">10</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 2.5pt; 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padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">809</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">85</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">1,046</td><td style="padding-bottom: 2.5pt; text-align: left; 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text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">93</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; 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padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="width: 1341px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">Commercial loans</td><td style="width: 18px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 181px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">94,396</td><td style="width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 18px; padding-left: 0px; 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padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="width: 401.609px; text-indent: -0.15in; padding-left: 0.15in; padding-top: 0px; padding-bottom: 0px;">Balance, beginning of period</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">389</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">672</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">519</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">463</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 18px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 188px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">2,043</td><td style="width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="text-align: left; text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px; padding-bottom: 0px;">Provision charged to expense</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">21</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(50</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">)</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">207</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(88</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">)</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">90</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="text-align: left; text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px; padding-bottom: 0px;">Losses charged off</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(18</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">)</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(41</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">)</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(59</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">)</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="padding-bottom: 1pt; text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px;">Recoveries</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">1</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">1</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">7</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">9</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="text-indent: -0.15in; padding-left: 0.15in; padding-bottom: 2.5pt; padding-top: 0px;">Balance, end of period</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">393</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">622</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">727</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">341</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">2,083</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="text-align: left; text-indent: -0.15in; padding-left: 0.15in; padding-bottom: 2.5pt; padding-top: 0px;">Ending balance:&#160;&#160;individually evaluated for impairment</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">77</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">68</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">145</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="text-align: left; text-indent: -0.15in; padding-left: 0.15in; padding-bottom: 2.5pt; padding-top: 0px;">Ending balance:&#160;&#160;collectively evaluated for impairment</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">393</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">545</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">727</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">273</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; 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text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="font-weight: normal; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="font-weight: normal; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="font-weight: normal; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; 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padding-bottom: 0px;">218</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">88</td><td style="width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 18px; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 188px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">2,122</td><td style="width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; 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padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">57</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="text-align: left; text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px; padding-bottom: 0px;">Losses charged off</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(69</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">)</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">(69</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">)</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="padding-bottom: 1pt; text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px;">Recoveries</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; 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text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">1</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">12</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">15</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="padding-bottom: 2.5pt; text-indent: -0.15in; padding-left: 0.15in; padding-top: 0px;">Balance, end of period</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">522</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">671</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">446</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">400</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">86</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">2,125</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.15in; padding-left: 0.15in; padding-top: 0px;">Ending balance:&#160;&#160;individually evaluated for impairment</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">77</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">77</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.15in; padding-left: 0.15in; padding-top: 0px;">Ending balance:&#160;&#160;collectively evaluated for impairment</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">522</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">594</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">446</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">400</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">86</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">2,048</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="text-indent: -0.15in; padding-left: 0.15in; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; 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padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="width: 401.609px; text-align: left; padding-bottom: 2.5pt; text-indent: -0.15in; padding-left: 0.15in; padding-top: 0px;">Ending balance:&#160;&#160;individually evaluated for impairment</td><td style="width: 19px; 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text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">78,767</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">13,672</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="padding-bottom: 2.5pt; 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The possibility of loss is extremely high, but because of certain important and reasonable specific pending factors that may work to the advantage of and strengthen the credit quality of the loan or lease, its classification as an estimated loss is deferred until its more exact status may be determined. 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text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">4</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; 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padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="padding-bottom: 2.5pt; text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px;">Commercial</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; 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padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">778</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">77</td><td style="padding-bottom: 2.5pt; text-align: left; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">784</td><td style="padding-bottom: 2.5pt; text-align: left; 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padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; 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padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">1,040</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">5</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="text-align: left; text-indent: -0.15in; padding-left: 0.15in; padding-top: 0px; padding-bottom: 0px;">Loans with a specific valuation allowance:</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="text-indent: -0.15in; padding-left: 0.35in; padding-top: 0px; padding-bottom: 0px;">Commercial</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; 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padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; 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padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td></tr><tr style="vertical-align:bottom; 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padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="clear: both; max-height: 0px; background: none;"></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><table style="font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; 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font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><table cellpadding="0" cellspacing="0" style="font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; border-collapse: collapse; width: 80%; border-spacing: 0px;;margin : 0px auto;;text-align:left;"><tr style="vertical-align: bottom;"><td style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;">&#160;</td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap; 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font-weight: normal; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom;"><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="6" style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">(In thousands)</div></td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom;"><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;">&#160;</td><td colspan="2" style="padding-left: 0px; 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The Company&#8217;s equity securities are classified within Level 1 of the hierarchy. If quoted market prices are not available, then fair values are estimated by using quoted prices of securities with similar characteristics or independent asset pricing services and pricing models, the inputs of which are market-based or independently sourced market parameters, including, but not limited to, yield curves, interest rates, volatilities, prepayments, defaults, cumulative loss projections and cash flows. 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padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align:bottom; background-color:white"><td style="width: 649px; text-align: left; text-indent: 0in; padding-left: 9pt; padding-bottom: 1pt; padding-top: 0px;">U.S. government agencies</td><td style="width: 19px; 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padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="width: 19px; text-align: left; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="width: 19px; text-align: left; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 18px; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; width: 188px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">13,441</td><td style="width: 18px; text-align: left; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align:bottom; background-color:#cceeff"><td style="text-indent: 4.5pt; padding-left: 22.5pt; padding-bottom: 2.5pt; padding-top: 0px;">Total</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">13,441</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">13,441</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="clear: both; max-height: 0px; background: none;"></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.4in; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">These borrowings were collateralized with U.S. government and agency securities with a carrying value of $16.9 million at March 31, 2019. 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text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; border-collapse: collapse; width: 100%; border-spacing: 0px;"><tr style="vertical-align: bottom;"><td style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">December 31, 2018</div></td><td style="font-weight: normal; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Overnight and<br/>Continuous</div></td><td style="padding-bottom: 1pt; font-weight: normal; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Up to 30 Days</div></td><td style="padding-bottom: 1pt; font-weight: normal; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">30-90 Days</div></td><td style="padding-bottom: 1pt; font-weight: normal; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Greater than 90<br/>Days</div></td><td style="padding-bottom: 1pt; font-weight: normal; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Total</div></td><td style="padding-bottom: 1pt; font-weight: normal; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom;"><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="18" style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="text-align: left; text-indent: -0.15in; padding-left: 0.15in; padding-top: 0px; padding-bottom: 0px;">Repurchase Agreements</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: white;"><td style="width: 627.406px; text-align: left; text-indent: -0.15in; padding-left: 0.35in; padding-bottom: 1pt; padding-top: 0px;">U.S. government agencies</td><td style="width: 19px; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; text-align: left; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">8,068</td><td style="width: 19px; text-align: left; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; text-align: left; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="width: 19px; text-align: left; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; text-align: left; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="width: 19px; text-align: left; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; text-align: left; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="width: 19px; text-align: left; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 18px; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 18px; text-align: left; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 188px; text-align: right; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">8,068</td><td style="width: 18px; text-align: left; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="text-indent: 4.5pt; padding-left: 22.5pt; padding-bottom: 2.5pt; padding-top: 0px;">Total</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">8,068</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; 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font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Securities with an approximate carrying value of $18.3 million at December&#160;31, 2018, were pledged as collateral for repurchase borrowings.</div></div><table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table> <div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0in; background: none;"><div style="font-weight: normal; font-style: normal; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">The following table presents the Company&#8217;s repurchase agreements accounted for as secured borrowings:</div></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.2in; text-align: center; background: none;"><div style="background: none;;font-style:italic;display:inline;;font-style:italic;display:inline;"><div style="font-weight: normal; font-style: normal; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.2in; text-align: center; background: none;"><div style="font-style:italic;display:inline;;font-style:italic;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style: normal; font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">Remaining Contractual Maturity of the Agreement&#160;</div></div></div></div><div style="color: rgb(0, 0, 0); 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font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><table style="font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; border-collapse: collapse; width: 100%; border-spacing: 0px;"><tr style="vertical-align:bottom"><td style="border-bottom: 1pt solid black; font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">March 31, 2019</div></td><td style="border-bottom: 1pt solid black; font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="2" style="border-bottom: 1pt solid black; font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Overnight and<br/>Continuous</div></td><td style="padding-bottom: 1pt; font-weight: normal; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="2" style="border-bottom: 1pt solid black; font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Up to 30 Days</div></td><td style="padding-bottom: 1pt; font-weight: normal; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="2" style="border-bottom: 1pt solid black; font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; 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padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align:bottom; background-color:white"><td style="width: 649px; text-align: left; text-indent: 0in; padding-left: 9pt; padding-bottom: 1pt; padding-top: 0px;">U.S. government agencies</td><td style="width: 19px; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; 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width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="width: 19px; text-align: left; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; width: 19px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; width: 189px; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="width: 19px; text-align: left; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 18px; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; width: 18px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="border-bottom: 1pt solid black; 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padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="border-bottom: 2.5pt double black; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="border-bottom: 2.5pt double black; text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">13,441</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="clear: both; max-height: 0px; background: none;"></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.4in; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">These borrowings were collateralized with U.S. government and agency securities with a carrying value of $16.9 million at March 31, 2019. 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margin-bottom: 0px; text-align: center; margin-right: 0px; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">(In thousands)</div></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.4in; text-align: center; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><table cellpadding="0" cellspacing="0" style="font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; border-collapse: collapse; width: 100%; border-spacing: 0px;"><tr style="vertical-align: bottom;"><td style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">December 31, 2018</div></td><td style="font-weight: normal; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Overnight and<br/>Continuous</div></td><td style="padding-bottom: 1pt; font-weight: normal; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">Up to 30 Days</div></td><td style="padding-bottom: 1pt; font-weight: normal; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">30-90 Days</div></td><td style="padding-bottom: 1pt; font-weight: normal; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; border-bottom: 1pt solid black; padding-left: 0px; 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padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="18" style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="text-align: left; text-indent: -0.15in; padding-left: 0.15in; padding-top: 0px; padding-bottom: 0px;">Repurchase Agreements</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; 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padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; text-align: left; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="width: 19px; text-align: left; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; text-align: left; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="width: 19px; text-align: left; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 19px; text-align: left; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 189px; text-align: right; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="width: 19px; text-align: left; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 18px; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="width: 18px; text-align: left; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="width: 188px; text-align: right; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">8,068</td><td style="width: 18px; text-align: left; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="text-indent: 4.5pt; padding-left: 22.5pt; padding-bottom: 2.5pt; padding-top: 0px;">Total</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">8,068</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8211;&#8211;</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="text-align: left; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">$</td><td style="text-align: right; border-bottom: 2.5pt double black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">8,068</td><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0px; padding-top: 0px;">&#160;</td></tr></table><table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table> 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 <table cellpadding="0" cellspacing="0" style="font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin-top: 0px; margin-bottom: 0px; width: 100%; border-collapse: collapse; border-spacing: 0px; table-layout: fixed;"><tr style="vertical-align: top; text-align: justify;"><td style="width: 0px; padding: 0px;"></td><td style="width: 0.75in; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;"><div style="font-weight:bold;display:inline;">Note 5:</div></td><td style="text-align: justify; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;"><div style="font-weight:bold;display:inline;">Off-balance-sheet Activities</div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="clear: both; max-height: 0px; background: none;"></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.4in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="color: rgb(0, 0, 0); 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text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">A summary of the notional or contractual amounts of financial instruments with off-balance-sheet risk at the indicated dates is as follows:</div></div><div style="color: rgb(0, 0, 0); font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; margin: 0px 0px 0px 0.25in; text-align: justify; background: none;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><table cellpadding="0" cellspacing="0" style="font: 10pt &quot;times new roman&quot;, times, serif; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; border-collapse: collapse; width: 85%; margin-left: 0.5in; border-spacing: 0px;"><tr style="vertical-align: bottom;"><td style="font-weight: normal; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;">&#160;</td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">March 31,</div></td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">December 31,</div></td><td style="font-weight: normal; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom;"><td style="font-weight: normal; text-align: left; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px; white-space: nowrap;">&#160;</td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">2019</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td><td colspan="2" style="font-weight: normal; text-align: center; border-bottom: 1pt solid black; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">2018</div></td><td style="font-weight: normal; padding-bottom: 1pt; padding-left: 0px; padding-top: 0px;">&#160;</td></tr><tr style="vertical-align: bottom;"><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="6" style="text-align: center; padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;"><div style="font-weight:bold;display:inline;">(In thousands)</div></td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom;"><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="2" style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td colspan="2" style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px; white-space: nowrap;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="width: 1187px; text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">Commercial loans unused lines of credit</td><td style="width: 16px; padding-left: 0px; padding-top: 0px; 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style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td></tr><tr style="vertical-align:bottom; background-color:#cceeff"><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">Residential</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: left; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#160;</td><td style="text-align: right; padding-left: 0px; padding-top: 0px; padding-bottom: 0px;">&#8212;</td><td style="text-align: left; padding-left: 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Document and Entity Information - shares
3 Months Ended
Mar. 31, 2019
May 06, 2019
Document and Entity Information [Abstract]    
Document Type 10-Q  
Amendment Flag false  
Document Period End Date Mar. 31, 2019  
Document Fiscal Year Focus 2019  
Document Fiscal Period Focus Q1  
Entity Registrant Name UNITED BANCORP INC /OH/  
Entity Central Index Key 0000731653  
Current Fiscal Year End Date --12-31  
Entity Filer Category Non-accelerated Filer  
Trading Symbol UBCP  
Entity Common Stock, Shares Outstanding   5,737,219
Entity Emerging Growth Company false  
Entity Small Business true  
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Condensed Consolidated Balance Sheets - USD ($)
$ in Thousands
Mar. 31, 2019
Dec. 31, 2018
Assets    
Cash and due from banks $ 5,206 $ 15,573
Interest-bearing demand deposits 27,486 9,680
Cash and cash equivalents 32,692 25,253
Available-for-sale securities 139,318 123,991
Loans, net of allowance for loan losses of $2,083 and $2,043 at March 31, 2019 and December 31, 2018, respectively 411,813 407,640
Premises and equipment 12,197 12,117
Federal Home Loan Bank stock 4,012 4,243
Foreclosed assets held for sale, net 91 91
Core deposit and other intangible assets 1,655 1,692
Accrued interest receivable 2,104 1,798
Bank-owned life insurance 12,948 13,115
Other assets 4,178 3,273
Total assets 621,008 593,213
Deposits    
Demand 315,067 309,505
Savings 110,924 111,251
Time 112,940 104,687
Total deposits 538,931 525,443
Securities sold under repurchase agreements 13,441 8,068
Federal Home Loan Bank advances 80 106
Subordinated debentures 4,124 4,124
Deferred federal income tax 507 219
Interest payable and other liabilities 10,139 4,610
Total liabilities 567,222 542,570
Stockholders' Equity    
Preferred stock, no par value, authorized 2,000,000 shares; no shares issued 0 0
Common stock, $1 par value; authorized 10,000,000 shares; issued 5,926,851 shares at March 31, 2019, and 5,926,851 shares at December 31, 2018; outstanding – 5,737,219 and 5,739,203 shares at March 31, 2019 and December 31, 2018, respectively 5,927 5,927
Additional paid-in capital 22,826 22,556
Retained earnings 25,153 24,321
Stock held by deferred compensation plan; 160,008 and 182,457 shares at March 31, 2019 and December 31, 2018 (1,932) (1,701)
Unearned ESOP compensation (335) (404)
Accumulated other comprehensive loss 2,460 (10)
Treasury stock, at cost 29,024 and 5,744 shares at March 31, 2019 and December 31, 2018, respectively (313) (46)
Total stockholders' equity 53,786 50,643
Total liabilities and stockholders' equity $ 621,008 $ 593,213
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Dec. 31, 2018
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Preferred stock, authorized 2,000,000 2,000,000
Preferred stock, shares issued 0 0
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$ in Thousands
3 Months Ended
Mar. 31, 2019
Mar. 31, 2018
Interest and Dividend Income    
Loans, including fees $ 5,235 $ 4,331
Securities    
Taxable 205 174
Non-taxable 724 32
Federal funds sold 85 27
Dividends on Federal Home Loan Bank and other stock 66 61
Total interest and dividend income 6,315 4,625
Interest Expense    
Deposits 1,126 457
Borrowings 81 66
Total interest expense 1,207 523
Net Interest Income 5,108 4,102
Provision for Loan Losses 90 57
Net Interest Income After Provision for Loan Losses 5,018 4,045
Noninterest Income    
Service charges on deposit accounts 713 631
Realized gains on sales of loans 4 14
Other income 228 235
Total noninterest income 945 880
Noninterest Expense    
Salaries and employee benefits 2,183 1,832
Occupancy and equipment 550 540
Loss on sale of foreclosed assets 0 13
Professional services 303 192
FDIC insurance 52 49
Insurance 111 103
Franchise and other taxes 105 96
Advertising 137 137
Stationery and office supplies 42 36
Other expenses 679 581
Total noninterest expense 4,162 3,579
Income Before Federal Income Taxes 1,801 1,346
Provision for Federal Income Taxes 187 198
Net Income $ 1,614 $ 1,148
Basic Earnings Per Share $ 0.28 $ 0.23
Diluted Earnings Per Share 0.28 0.23
Dividends Per Share $ 0.13 $ 0.13
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$ in Thousands
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Mar. 31, 2019
Mar. 31, 2018
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Other comprehensive income, net of related tax effects    
Unrealized holding gain (loss) on securities during the period, net of taxes (benefits) of $656 and ($44) in 2019 and 2018, respectively 2,470 (170)
Comprehensive Income $ 4,084 $ 978
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$ in Thousands
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Mar. 31, 2019
Mar. 31, 2018
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Consolidated Statements of Stockholders' Equity - USD ($)
$ in Thousands
Total
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Additional Paid-in Capital [Member]
Treasury Stock And Deferred Compensation [Member]
Shares Acquired By ESOP [Member]
Retained Earnings [Member]
AOCI Attributable to Parent [Member]
Balance at Dec. 31, 2017 $ 43,895 $ 5,435 $ 18,020 $ (1,717) $ (683) $ 23,260 $ (420)
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Other comprehensive income (loss) (207) 0 0 0 0 0 (207)
Cash dividends - per share (683) 0 0 0 0 (683) 0
Shares purchased for deferred compensation plan 0 0 (128) 128 0 0 0
Expense related to share-based compensation plans 52 0 52 0 0 0 0
Restricted stock activity 0 125 (125) 0 0 0 0
Amortization of ESOP 69 0 0 0 69 0 0
Balance at Mar. 31, 2018 44,274 5,560 17,819 (1,589) (614) 23,725 (627)
Balance at Dec. 31, 2018 50,643 5,927 22,556 (1,747) (404) 24,321 (10)
Net income 1,614 0 0 0 0 1,614 0
Other comprehensive income (loss) 2,470 0 0 0 0 0 2,470
Cash dividends - per share (782) 0 0 0 0 (782) 0
Shares sold for deferred compensation plan 0   231 (231) 0 0 0
Repurchase of common stock (267)   0 (267) 0 0 0
Expense related to share-based compensation plans 39 0 39 0 0 0 0
Amortization of ESOP 69 0 0 0 69 0 0
Balance at Mar. 31, 2019 $ 53,786 $ 5,927 $ 22,826 $ (2,245) $ (335) $ 25,153 $ 2,460
XML 19 R8.htm IDEA: XBRL DOCUMENT v3.19.1
Consolidated Statements of Stockholders' Equity (Parenthetical) - $ / shares
3 Months Ended
Mar. 31, 2019
Mar. 31, 2018
Cash dividends, per share $ 0.13 $ 0.13
XML 20 R9.htm IDEA: XBRL DOCUMENT v3.19.1
Condensed Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2019
Mar. 31, 2018
Operating Activities    
Net income $ 1,614 $ 1,148
Items not requiring (providing) cash    
Depreciation and amortization 250 238
Amortization of intangible asset 37 0
Premium amortization on securities 66 3
Provision for loan losses 90 57
Gain on sale of loans (4) (14)
Expense related to share based compensation programs 40 0
Increase in value of bank-owned life insurance 167 (77)
Amortization of mortgage servicing rights 0 2
Originations of loans held for sale (215) (1,208)
Proceeds from sale of loans held for sale 219 1,222
Loss on sale of foreclosed assets 0 13
Expense related to share-based compensation plans and ESOP 69 121
Net change in accrued interest receivable and other assets (807) (75)
Net change in accrued expenses and other liabilities (683) (603)
Net cash provided by operating activities 843 827
Investing Activities    
Purchase of available-for-sale securities (9,833) (18,107)
Proceeds from maturity of available-for-sale securities 3,000 0
Net change in loans (4,258) (1,936)
Redemption of FHLB Stock 231 0
Purchases of premises and equipment (330) (413)
Net cash used in investing activities (11,190) (20,456)
Financing Activities    
Net change in deposits 13,488 18,097
Net change in securities sold under repurchase agreements 5,373 4,498
Repayment of Federal Home Loan Bank advances (26) (1,827)
Treasury Stock (267) 0
Cash dividends paid (782) (683)
Net cash provided by financing activities 17,786 20,085
Increase in Cash and Cash Equivalents 7,439 456
Cash and Cash Equivalents, Beginning of Period 25,253 14,315
Cash and Cash Equivalents, End of Period 32,692 14,771
Supplemental Cash Flows Information    
Interest paid on deposits and borrowings 1,218 517
Purchases of available-for-sale securities not settled $ 5,465 $ 0
XML 21 R10.htm IDEA: XBRL DOCUMENT v3.19.1
Summary of Significant Accounting Policies
3 Months Ended
Mar. 31, 2019
Accounting Policies [Abstract]  
Summary of Significant Accounting Policies
Note 1:
Summary of Significant Accounting Policies
 
These interim financial statements are prepared without audit and reflect all adjustments which, in the opinion of management, are necessary to present fairly the financial position of United Bancorp, Inc. (“Company”) at March 31, 2019, and its results of operations and cash flows for the interim periods presented. All such adjustments are normal and recurring in nature. The accompanying condensed consolidated financial statements have been prepared in accordance with the instructions for Form 10-Q and, therefore, do not purport to contain all the necessary financial disclosures required by accounting principles generally accepted in the United States of America that might otherwise be necessary in the circumstances and should be read in conjunction with the Company’s consolidated financial statements and related notes for the year ended December 31, 2017 included in its Annual Report on Form 10-K. Reference is made to the accounting policies of the Company described in the Notes to the Consolidated Financial Statements contained in its Annual Report on Form 10-K. The results of operations for the three months ended March 31, 2018, are not necessarily indicative of the results to be expected for the full year. The condensed consolidated balance sheet of the Company as of December 31, 2018 has been derived from the audited consolidated balance sheet of the Company as of that date.
 
Principles of Consolidation
 
The consolidated financial statements include the accounts of United Bancorp, Inc. (“United” or “the Company”) and its wholly-owned subsidiary, Unified Bank of Martins Ferry, Ohio (“the Bank”). All intercompany transactions and balances have been eliminated in consolidation.
 
Nature of Operations
 
The Company’s revenues, operating income and assets are almost exclusively derived from banking. Accordingly, all of the Company’s banking operations are considered by management to be aggregated in one reportable operating segment. Customers are mainly located in Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson and Tuscarawas Counties and the surrounding localities in northeastern, east-central and southeastern Ohio and include a wide range of individuals, businesses and other organizations. Unified Bank conducts its business through its main office in Martins Ferry, Ohio and branches in Amesville, Bridgeport, Colerain, Dellroy, Dillonvale, Dover, Glouster, Jewett, Lancaster Downtown, Lancaster East, Nelsonville, New Philadelphia, Powhatan, St. Clairsville East, St. Clairsville West, Sherrodsville, Strasburg and Tiltonsville, Ohio. The Bank also operates a Loan Production Office in Wheeling, West Virginia.
 
The Company’s primary deposit products are checking, savings and term certificate accounts and its primary lending products are residential mortgage, commercial and installment loans. Substantially all loans are secured by specific items of collateral including business assets, consumer assets and real estate. Commercial loans are expected to be repaid from cash flow from operations of businesses. Real estate loans are secured by both residential and commercial real estate. Net interest income is affected by the relative amount of interest-earning assets and interest-bearing liabilities and the interest received or paid on these balances. The level of interest rates paid or received by the Company can be significantly influenced by a number of environmental factors, such as governmental monetary and fiscal policies, that are outside of management’s control.
 
Revenue Recognition
 
Accounting Standards Codification ("ASC") 606,
Revenue from Contracts with Customers
("ASC 606"), establishes principles for reporting information about the nature, amount, timing and uncertainty of revenue and cash flows arising from the entity's contracts to provide goods or services to customers. The core principle requires an entity to recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration that it expects to be entitled to receive in exchange for those goods or services recognized as performance obligations are satisfied. 
 
The majority of our revenue-generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as our loans, investment securities, as well as revenue related to our mortgage banking activities, as these activities are subject to other GAAP discussed elsewhere within our disclosures.
 
Descriptions of our revenue-generating activities that are within the scope of ASC 606, which are presented in our income statements as components of non-interest income are as follows:
 
Service charges on deposit accounts - these represent general service fees for monthly account maintenance and activity- or transaction-based fees and consist of transaction-based revenue, time-based revenue (service period), item-based revenue or some other individual attribute-based revenue. Revenue is recognized when our performance obligation is completed which is generally monthly for account maintenance services or when a transaction has been completed (such as a wire transfer). Payment for such performance obligations are generally received at the time the performance obligations are satisfied.
 
Use of Estimates
 
To prepare financial statements in conformity with accounting principles generally accepted in the United States of America, management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided and future results could differ. The allowance for loan losses and fair values of financial instruments are particularly subject to change.
 
Loans
 
Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoffs are reported at their outstanding principal balances adjusted for unearned income, charge-offs, the allowance for loan losses, any unamortized deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans.
 
For loans amortized at cost, interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, as well as premiums and discounts, are deferred and amortized as a level yield adjustment over the respective term of the loan.
 
For all loan classes, the accrual of interest is discontinued at the time the loan is 90 days past due unless the credit is well-secured and in process of collection. Past due status is based on contractual terms of the loan. For all loan classes, the entire balance of the loan is considered past due if the minimum payment contractually required to be paid is not received by the contractual due date. For all loan classes, loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful.
 
Management’s general practice is to proactively charge down loans individually evaluated for impairment to the fair value of the underlying collateral. Consistent with regulatory guidance, charge-offs on all loan segments are taken when specific loans, or portions thereof, are considered uncollectible. The Company’s policy is to promptly charge these loans off in the period the uncollectible loss is reasonably determined.
 
For all loan portfolio segments except residential and consumer loans, the Company promptly charges-off loans, or portions thereof, when available information confirms that specific loans are uncollectible based on information that includes, but is not limited to, (1) the deteriorating financial condition of the borrower, (2) declining collateral values, and/or (3) legal action, including bankruptcy, that impairs the borrower’s ability to adequately meet its obligations. For impaired loans that are considered to be solely collateral dependent, a partial charge-off is recorded when a loss has been confirmed by an updated appraisal or other appropriate valuation of the collateral.
 
The Company charges-off residential and consumer loans when the Company reasonably determines the amount of the loss. The Company adheres to timeframes established by applicable regulatory guidance which provides for the charge-down of 1-4 family first and junior lien mortgages to the net realizable value less costs to sell when the loan is 120 days past due, charge-off of unsecured open-end loans when the loan is 120 days past due, and charge down to the net realizable value when other secured loans are 120 days past due. Loans at these respective delinquency thresholds for which the Company can clearly document that the loan is both well-secured and in the process of collection, such that collection will occur regardless of delinquency status, need not be charged off.
 
For all classes, all interest accrued but not collected for loans that are placed on nonaccrual or charged off are reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Nonaccrual loans are returned to accrual status when, in the opinion of management, the financial position of the borrower indicates there is no longer any reasonable doubt as to the timely collection of interest or principal. The Company requires a period of satisfactory performance of not less than six months before returning a nonaccrual loan to accrual status.
 
When cash payments are received on impaired loans in each loan class, the Company records the payment as interest income unless collection of the remaining recorded principal amount is doubtful, at which time payments are used to reduce the principal balance of the loan. Troubled debt restructured loans recognize interest income on an accrual basis at the renegotiated rate if the loan is in compliance with the modified terms, no principal reduction has been granted and the loan has demonstrated the ability to perform in accordance with the renegotiated terms for a period of at least six months.
 
Allowance for Loan Losses
 
The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to income. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance.
 
The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.
 
The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired. For those loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-impaired loans and is based on historical charge-off experience by segment. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the prior five years.
Management believes the five year historical loss experience methodology is appropriate in the current economic environment.
Other adjustments (qualitative/environmental considerations) for each segment may be added to the allowance for each loan segment after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss or risk rating data.
 
A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due based on the loan’s current payment status and the borrower’s financial condition including available sources of cash flows. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.
 
Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for non-homogenous type loans such as commercial, non-owner residential and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent. For impaired loans where the Company utilizes the discounted cash flows to determine the level of impairment, the Company includes the entire change in the present value of cash flows as bad debt expense.
 
The fair values of collateral dependent impaired loans are based on independent appraisals of the collateral. In general, the Company acquires an updated appraisal upon identification of impairment and annually thereafter for commercial, commercial real estate and multi-family loans. If the most recent appraisal is over a year old, and a new appraisal is not performed, due to lack of comparable values or other reasons, the existing appraisal is utilized and discounted generally 10% -35% based on the age of the appraisal, condition of the subject property, and overall economic conditions. After determining the collateral value as described, the fair value is calculated based on the determined collateral value less selling expenses. The potential for outdated appraisal values is considered in our determination of the allowance for loan losses through our analysis of various trends and conditions including the local economy, trends in charge-offs and delinquencies, etc. and the related qualitative adjustments assigned by the Company.
 
Segments of loans with similar risk characteristics are collectively evaluated for impairment based on the segment’s historical loss experience adjusted for changes in trends, conditions and other relevant factors that affect repayment of the loans. Accordingly, the Company does not separately identify individual consumer and residential loans for impairment measurements, unless such loans are the subject of a restructuring agreement due to financial difficulties of the borrower.
 
In the course of working with borrowers, the Company may choose to restructure the contractual terms of certain loans. In this scenario, the Company attempts to work-out an alternative payment schedule with the borrower in order to optimize collectability of the loan. Any loans that are modified are reviewed by the Company to identify if a troubled debt restructuring (“TDR”) has occurred, which is when, for economic or legal reasons related to a borrower’s financial difficulties, the Company grants a concession to the borrower that it would not otherwise consider. Terms may be modified to fit the ability of the borrower to repay in line with its current financial status and the restructuring of the loan may include the transfer of assets from the borrower to satisfy the debt, a modification of loan terms, or a combination of the two. If such efforts by the Company do not result in a satisfactory arrangement, the loan is referred to legal counsel, at which time foreclosure proceedings are initiated. At any time prior to a sale of the property at foreclosure, the Company may terminate foreclosure proceedings if the borrower is able to work-out a satisfactory payment plan.
 
It is the Company’s policy to have any restructured loans which are on nonaccrual status prior to being restructured remain on nonaccrual status until six months of satisfactory borrower performance at which time management would consider its return to accrual status. If a loan was accruing at the time of restructuring, the Company reviews the loan to determine if it is appropriate to continue the accrual of interest on the restructured loan.
 
With regard to determination of the amount of the allowance for credit losses, trouble debt restructured loans are considered to be impaired. As a result, the determination of the amount of impaired loans for each portfolio segment within troubled debt restructurings is the same as detailed previously.
 
Earnings Per Share
 
Earnings per share (EPS) were computed as follows:
 
 
 
Three Months Ended March 31, 2019
 
 
 
Net
Income
 
 
Weighted-
Average
Shares
 
 
Per Share
Amount
 
 
 
(In thousands)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income
 
$
1,614
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Less allocated earnings on non-vested restricted stock
 
 
(27
)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Less allocated dividends on non-vested restricted stock
 
 
(23
)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income allocated to common stockholders
 
 
1,564
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
5,515,418
 
 
 
 
 
Basic and diluted earnings per share
 
 
 
 
 
 
 
 
 
$
0.28
 
 
 
 
Three Months Ended March 31, 2018
 
 
 
Net
Income
 
 
Weighted-
Average
Shares
 
 
Per Share
Amount
 
 
 
(In thousands)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income
 
$
1,148
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Less allocated earnings on non-vested restricted stock
 
 
(14
)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Less dividends on non-vested restricted stock
 
 
(23
)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income allocated to common stockholders
 
 
1,111
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
4,874,479
 
 
 
 
 
Basic and diluted earnings per share
 
 
 
 
 
 
 
 
 
$
0.23
 
 
During 2018, earnings per share began to be presented using the two-class method. This two class method is an earnings allocation method under which earnings per share is calculated for common stock and participating securities, considering both dividends declared and participation rights in undistributed earnings as if all such earnings had been distributed during the period. Basic earnings per share were previously disclosed at $0.22 and diluted earnings per share at $0.22 for the 3 months ended March 31, 2018.
 
Income Taxes
 
The Company is subject to income taxes in the U.S. federal jurisdiction, as well as various state jurisdictions. Tax regulations within each jurisdiction are subject to the interpretation of the related tax laws and regulations and require significant judgment to apply. With few exceptions, the Company is no longer subject to U.S. federal, state and local income tax examinations by tax authorities for the years before 2015.
 
Recently Adopted Accounting Pronouncements
 
On February 25, 2016, the FASB issued ASU 2016-02 “
Leases (Topic 842).
” ASU 2016-02 is intended to improve financial reporting about leasing transactions. This ASU affects all companies and other organization that lease assets such as real estate, airplanes, and manufacturing equipment.
 
Under the current accounting model, an organization applies a classification test to determine the accounting for the lease arrangement:
 
 
(a)
Some leases are classified as capital where by the lessee would recognize lease assets and liabilities on the balance sheet.
 
 
(b)
Other leases are classified as operating leases whereby the lessee would not recognize lease assets and liabilities on the balance sheet.
 
Under the new guidance, a lessee will be required to recognize assets and liabilities for all leases with lease terms of more than 12 months. Consistent with Generally Accepted Accounting Principles (GAAP), the recognition, measurement, and presentation of expenses and cash flows arising from a lease by a lessee primarily will depend on its classification as a finance or operating lease.
 
However, unlike current GAAP—which requires only capital leases to be recognized on the balance sheet—the new ASU will require both types of leases to be recognized on the balance sheet. Right of use assets represents the Company’s right to use the underlying assets for their lease terms and lease liabilities represent the obligation to make lease payments.
 
The Company adopted ASU 2016-02 January 1, 2019.
The right of use asset and lease obligation recorded as of March 31, 2019 was approximately $126,000 and is reflected in other assets and interest payable and other liabilities, respectively on the balance sheet. The modified retrospective method was applied. Due to the immateriality of the impact, certain disclosures under ASU 842 have been omitted.
 
Recent Accounting Pronouncements
 
In June 2016, the FASB issued ASU No. 2016-13,
“Financial Instruments-Credit Losses (Topic 326) - Measurement of Credit Losses on Financial Instruments.”
The provisions of ASU 2016-13 were issued to provide financial statement users with more decision-useful information about the expected credit losses on financial instruments that are not accounted for at fair value through net income, including loans held for investment, held-to-maturity debt securities, trade and other receivables, net investment in leases and other commitments to extend credit held by a reporting entity at each reporting date. ASU 2016-13 requires that financial assets measured at amortized cost be presented at the net amount expected to be collected, through an allowance for credit losses that is deducted from the amortized cost basis. The amendments in ASU 2016-13 eliminate the probable incurred loss recognition in current GAAP and reflect an entity’s current estimate of all expected credit losses. The measurement of expected credit losses is based upon historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the financial assets. 
 
For purchased financial assets with a more-than-insignificant amount of credit deterioration since origination (“PCD assets”) that are measured at amortized cost, the initial allowance for credit losses is added to the purchase price rather than being reported as a credit loss expense. Subsequent changes in the allowance for credit losses on PCD assets are recognized through the statement of income as a credit loss expense. 
 
Credit losses relating to available-for-sale debt securities will be recorded through an allowance for credit losses rather than as a direct write-down to the security. 
 
ASU 2016-13 is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. Early adoption is permitted for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. The Company is currently evaluating the impact of these amendments to the Company’s financial position and results of operations and currently does not know or cannot reasonably quantify the impact of the adoption of the amendments as a result of the complexity and extensive changes from the amendments. The Allowance for Loan Losses (ALL) estimate is material to the Company and given the change from an incurred loss model to a methodology that considers the credit loss over the life of the loan, there is the potential for an increase in the ALL at adoption date. The Company is anticipating a significant change in the processes and procedures to calculate the ALL, including changes in assumptions and estimates to consider expected credit losses over the life of the loan versus the current accounting practice that utilizes the incurred loss model. In addition, the current accounting policy and procedures for the other-than-temporary impairment on available-for-sale securities will be replaced with an allowance approach. The Company continues to run projections and reviewing segmentation to ensure it is fully compliant with the amendments at adoption date. We anticipate having an range of potential impact on the Company in the third quarter of 2019. For additional information on the allowance for loan losses, see Note 4.
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Securities
3 Months Ended
Mar. 31, 2019
Securities [Abstract]  
Securities
Note 2:
Securities
 
The amortized cost and fair values, together with gross unrealized gains and losses of securities are as follows:
 
  
Amortized Cost
  
Gross
 

Unrealized
 

Gains
  
Gross
 

Unrealized
 

Losses
  
Fair Value
 
  
(In thousands)
 
Available-for-sale Securities:
                
March 31, 2019:                
                 
U.S. government agencies $42,250  $  $(172) $42,078 
State and municipal obligations  93,282   3,958      97,240 
                 
Total debt securities $135,532  $3,958  $(172) $139,318 
                 
Available-for-sale Securities:
                
December 31, 2018:                
                 
U.S. government agencies $45,250  $––  $(500) $44,750 
State and municipal obligations $78,083  $1,194  $(36) $79,241 
                 
Total debt securities $123,333  $1,194  $(536) $123,991 
 
The amortized cost and fair value of available-for-sale securities at March 31, 2019, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.
 
  
Available-for-sale
 
  
Amortized
Cost
  
Fair
 

Value
 
  
(In thousands)
 
Within one year $  $ 
One to five years  47,715   47,543 
Five to ten year      
Due after ten years  87,817   91,775 
         
Totals $135,532  $139,318 
 
The carrying value of securities pledged as collateral, to secure public deposits and for other purposes, was $42.1 million and $48.4 million at March 31, 2019 and December 31, 2018, respectively.
 
Certain investments in debt securities are reported in the financial statements at an amount less than their historical cost. The total fair value of these investments at March 31, 2019 was $42.1 million, which represented approximately 30% of the Company’s available-for-sale investment portfolio. The total fair value of these investments at December 31, 2018 was $49.9 million, which represented approximately 40% of the Company’s available-for-sale investment portfolio.
 
Based on evaluation of available evidence, including recent changes in market interest rates, credit rating information and information obtained from regulatory filings, management believes the declines in fair value for these securities are temporary and are a result of an increase in longer term interest rates.
 
Should the impairment of any of these securities become other-than-temporary, the cost basis of the investment will be reduced and the resulting loss recognized in net income in the period the other-than-temporary impairment is identified.
 
The following tables show the Company’s investments’ gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at March 31, 2019:
 
March 31, 2019
  
Less than 12 Months
  
12 Months or More
  
Total
 
Description of
Securities
 
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
 
(In thousands)
U.S. Government agencies $  $  $42,078  $(172) $42,078  $(172)
Total temporarily impaired securities $  $  $42,078  $(172) $42,078  $(172)
  
December 31, 2018
  
Less than 12 Months
  
12 Months or More
  
Total
 
Description of
Securities
 
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
 
(In thousands)
US Government agencies $––  $––  $44,750  $(500) $44,750  $(500)
State and municipal obligations $5,182  $(36) $––  $––  $5,182  $(36)
                         
Total temporarily impaired securities $5,182  $(36) $44,750  $(500) $49,932  $(536)
 
The unrealized losses on the Company’s investments in U.S. Government agencies were caused primarily by interest rate changes. The contractual terms of those investments do not permit the issuer to settle the securities at a price less than the amortized cost bases of the investments. Because the Company does not intend to sell the investments and it is not more likely than not the Company will be required to sell the investments before recovery of their amortized cost bases, which may be maturity, the Company does not consider those investments to be other-than-temporarily impaired at March 31, 2019.
 
There were no sales of investment securities for the three months ended March 31, 2019 and March 31, 2018.
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Loans and Allowance for Loan Losses
3 Months Ended
Mar. 31, 2019
Loans and Allowance For Loan Losses [Abstract]  
Loans and Allowance for Loan Losses
Note 3:
Loans and Allowance for Loan Losses
 
Categories of loans include:
 
  
March 31,
  
December 31,
 
  
2019
  
2018
 
  
(In thousands)
 
         
Commercial loans $94,396  $93,690 
Commercial real estate  231,516   223,461 
Residential real estate  76,883   78,767 
Installment loans  11,101   13,765 
         
Total gross loans  413,896   409,683 
         
Less allowance for loan losses  (2,083)  (2,043)
         
Total loans $411,813  $407,640 
 
The risk characteristics of each loan portfolio segment are as follows:
 
Commercial
 
Commercial loans are primarily based on the identified cash flows of the borrower and secondarily on the underlying collateral provided by the borrower. The cash flows of borrowers, however, may not be as expected and the collateral securing these loans may fluctuate in value. Most commercial loans are secured by the assets being financed or other business assets, such as accounts receivable or inventory, and may include a personal guarantee. Short-term loans may be made on an unsecured basis. In the case of loans secured by accounts receivable, the availability of funds for the repayment of these loans may be substantially dependent on the ability of the borrower to collect amounts due from its customers.
 
Commercial Real Estate
 
Commercial real estate loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Commercial real estate lending typically involves higher loan principal amounts and the repayment of these loans is generally dependent on the successful operation of the property securing the loan or the business conducted on the property securing the loan. Commercial real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. The characteristics of properties securing the Company’s commercial real estate portfolio are diverse, but with geographic location almost entirely in the Company’s market area. Management monitors and evaluates commercial real estate loans based on collateral, geography and risk grade criteria. In general, the Company avoids financing single purpose projects unless other underwriting factors are present to help mitigate risk. In addition, management tracks the level of owner-occupied commercial real estate versus nonowner-occupied loans.
 
Residential Real Estate and Consumer
 
Residential real estate and consumer loans consist of two segments - residential mortgage loans and personal loans. For residential mortgage loans that are secured by 1-4 family residences and are generally owner-occupied, the Company generally establishes a maximum loan-to-value ratio and requires private mortgage insurance if that ratio is exceeded. Home equity loans are typically secured by a subordinate interest in 1-4 family residences, and consumer personal loans are secured by consumer personal assets, such as automobiles or recreational vehicles. Some consumer personal loans are unsecured, such as small installment loans and certain lines of credit. Repayment of these loans is primarily dependent on the personal income of the borrowers, which can be impacted by economic conditions in their market areas, such as unemployment levels. Repayment can also be impacted by changes in property values on residential properties. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers.
 
Allowance for Loan Losses and Recorded Investment in Loans
As of and for the three month period ended March 31, 2019
 
  
Commercial
  
Commercial
Real Estate
  
Residential
  
Installment
  
Unallocated
  
Total
 
  
(In thousands)
 
Allowance for loan losses:
                        
Balance, beginning of period $389  $672  $519  $463  $  $2,043 
Provision charged to expense  21   (50)  207   (88)     90 
Losses charged off  (18)        (41)     (59)
Recoveries  1      1   7      9 
Balance, end of period $393  $622  $727  $341  $  $2,083 
Ending balance:  individually evaluated for impairment $  $77  $  $68  $  $145 
Ending balance:  collectively evaluated for impairment $393  $545  $727  $273  $  $1,938 
                         
Loans:
                        
Ending balance:  individually evaluated for impairment $88  $778  $  $435  $  $1,301 
Ending balance:  collectively evaluated for impairment $94,308  $230,738  $76,883  $10,666  $  $412,595 
 
Allowance for Loan Losses and Recorded Investment in Loans
As of and for the three month period ended March 31, 2018
 
  
Commercial
  
Commercial
Real Estate
  
Residential
  
Installment
  
Unallocated
  
Total
 
  
(In thousands)
 
Allowance for loan losses:
                        
Balance, beginning of period $537  $843  $436  $218  $88  $2,122 
Provision charged to expense  (16   (173)  9   239   (2)  57 
Losses charged off           (69)     (69)
Recoveries  1   1   1   12      15 
Balance, end of period $522  $671  $446  $400  $86  $2,125 
Ending balance:  individually evaluated for impairment $  $77  $  $  $  $77 
Ending balance:  collectively evaluated for impairment $522  $594  $446  $400  $86  $2,048 
                         
Loans:
                        
Ending balance:  individually evaluated for impairment $9  $612  $  $406  $  $1,027 
Ending balance:  collectively evaluated for impairment $84,424  $198,722  $74,563  $11,749  $  $369,458 
 
Allowance for Loan Losses and Recorded Investment in Loans
As of December 31, 2018
 
  
Commercial
  
Commercial
Real Estate
  
Residential
  
Installment
  
Unallocated
  
Total
 
  
(In thousands)
 
Allowance for loan losses:
                        
Ending balance:  individually evaluated for impairment $  $85  $––  $––  $––  $85 
Ending balance:  collectively evaluated for impairment $389  $587  $519  $463  $  $1,958 
                         
Loans:
                        
Ending balance:  individually evaluated for impairment $57  $809  $93  $  $––  $959 
Ending balance:  collectively evaluated for impairment $93,633  $222,652  $78,767  $13,672  $––  $408,724 
 
The following tables show the portfolio quality indicators.
 
  
March 31, 2019
 
Loan Class
 
Commercial
  
Commercial
Real Estate
  
Residential
  
Installment
  
Total
 
  
(In thousands)
 
                
Pass Grade $94,298  $226,305  $76,883  $10,666  $408,152 
Special Mention     3,992         3,992 
Substandard  98   1,219   435      1,752 
Doubtful               
                     
  $94,396  $231,516  $77,318  $10,666  $413,896 
 
  
December 31, 2018
 
Loan Class
 
Commercial
  
Commercial
Real Estate
  
Residential
  
Installment
  
Total
 
  
(In thousands)
 
                
Pass Grade $93,620  $219,485  $78,767  $13,672  $405,544 
Special Mention     2,710   ––   ––   2,710 
Substandard  70   1,266   93      1,429 
Doubtful  ––   ––   ––   ––   –– 
                     
  $93,690  $223,461  $78,860  $13,672  $409,683 
 
To facilitate the monitoring of credit quality within the loan portfolio, and for purposes of analyzing historical loss rates used in the determination of the ALLL, the Company utilizes the following categories of credit grades: pass, special mention, substandard, and doubtful. The four categories, which are derived from standard regulatory rating definitions, are assigned upon initial approval of credit to borrowers and updated periodically thereafter. Pass ratings, which are assigned to those borrowers that do not have identified potential or well defined weaknesses and for which there is a high likelihood of orderly repayment, are updated periodically based on the size and credit characteristics of the borrower. All other categories are updated on at least a quarterly basis.
 
The Company assigns a special mention rating to loans that have potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may, at some future date, result in the deterioration of the repayment prospects for the loan or the Company’s credit position.
 
The Company assigns a substandard rating to loans that are inadequately protected by the current sound worth and paying capacity of the borrower or of the collateral pledged. Substandard loans have well defined weaknesses or weaknesses that could jeopardize the orderly repayment of the debt. Loans and leases in this grade also are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies noted are not addressed and corrected.
 
The Company assigns a doubtful rating to loans that have all the attributes of a substandard rating with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The possibility of loss is extremely high, but because of certain important and reasonable specific pending factors that may work to the advantage of and strengthen the credit quality of the loan or lease, its classification as an estimated loss is deferred until its more exact status may be determined. Pending factors may include a proposed merger or acquisition, liquidation proceeding, capital injection, perfecting liens on additional collateral or refinancing plans.
 
 
The Company evaluates the loan risk grading system definitions and allowance for loan losses methodology on an ongoing basis. No significant changes were made to either during the past year to date period.
 
Loan Portfolio Aging Analysis
As of March 31, 2019
 
  
30-59 Days
Past Due
and
Accruing
  
60-89 Days
Past Due
and
Accruing
  
Greater
Than 90
Days and
Accruing
  
Non
Accrual
  
Total Past
Due and
Non Accrual
  
Current
  
Total Loans
Receivable
 
  
(In thousands)
 
Commercial $391  $45  $  $  $436  $93,960  $94,396 
Commercial real estate           710   710   230,806   231,516 
Residential  1,507         850   2,357   74,526   76,883 
Installment  6   4      16   26   11,075   11,101 
Total $1,904  $49  $  $1,576  $3,529  $410,637  $413,896 
 
Loan Portfolio Aging Analysis
As of December 31, 2018
 
  
30-59 Days
Past Due
and
Accruing
  
60-89 Days
Past Due
and
Accruing
  
Greater
Than 90
Days and
Accruing
  
Non
Accrual
  
Total Past
Due and
Non Accrual
  
Current
  
Total Loans
Receivable
 
  
(In thousands)
 
Commercial $98  $94  $  $  $192  $93,498  $93,690 
Commercial real estate        ––   741   741   222,720   223,461 
Residential  1,704   262   155   485   2,606   76,161   78,767 
Installment  72   4   ––   19   95   13,670   13,765 
Total $1,874  $360  $155  $1,245  $3,634  $406,049  $409,683 
 
A loan is considered impaired, in accordance with the impairment accounting guidance (ASC 310-10-35-16), when based on current information and events, it is probable the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include nonperforming commercial loans but also include loans modified in troubled debt restructurings where concessions have been granted to borrowers experiencing financial difficulties. These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection.
 
Impaired Loans
 
  
As of
 

March 31, 2019
  
Three Months Ended
 

March 31, 2019
 
  
Recorded
Balance
  
Unpaid
Principal
Balance
  
Specific
Allowance
  
Average
Investment in
Impaired
Loans
  
Interest
Income
Recognized
 
  
(In thousands)
 
Loans without a specific valuation allowance:                    
Commercial $88  $88  $  $89  $ 
Commercial real estate  379   379      376   1 
Residential  244   244      250   4 
   711   711      715   5 
Loans with a specific valuation allowance:                    
Commercial               
Commercial  real estate  399   399   77   408    
Residential  191   191   68   191    
   590   590   145   599    
Total:                    
Commercial $88  $88  $  $89  $ 
Commercial real estate $778  $778  $77  $784  $1 
Residential $435  $435  $68  $441  $4 
 
Impaired Loans
 
  
As of
 

December 31, 2018
  
Three Months Ended
 

March 31, 2018
 
  
Recorded
Balance
  
Unpaid
Principal
Balance
  
Specific
Allowance
  
Average
Investment in
Impaired
Loans
  
Interest
Income
Recognized
 
  
(In thousands)
 
Loans without a specific valuation allowance:                    
Commercial $57  $57  $––  $10  $ 
Commercial real estate  409   409   ––   624   4 
Residential  93   93      406   1 
   559   559      1,040   5 
Loans with a specific valuation allowance:                    
Commercial               
Commercial  real estate  400   400   85   422    
Residential               
   400   400   85   422    
Total:                    
Commercial $57  $57  $  $10  $ 
Commercial real estate $809  $809  $85  $1,046  $4 
Residential $93  $93  $  $406  $1 
 
Interest income recognized on a cash basis was not materiality different than interest income recognized.
 
For the TDRs noted in the tables below, the Company extended the maturity dates and granted interest rate concessions as part of each of those loan restructurings. The loans included in the tables are considered impaired and specific loss calculations are performed on the individual loans. In conjunction with the restructuring there were no amounts charged-off.
 
  
Three Months ended March 31, 2019
 
  
Number of
Contracts
  
Pre- Modification
Outstanding
Recorded
Investment
  
Post-Modification
Outstanding
Recorded
Investment
 
  
(In thousands)
  
          
Commercial    $  $ 
Commercial real estate         
Residential         
Installment         
 
  
Three Months ended March 31, 2019
 
  
Interest
Only
  
Term
  
Combination
  
Total
Modification
 
  
(
In thousands
)
 
            
Commercial $  $  $  $ 
Commercial real estate            
Residential            
Consumer            
 
  
Three Months ended March 31, 2018
  
Number of
Contracts
  
Pre- Modification
Outstanding
Recorded 
Investment
  
Post-Modification
Outstanding
Recorded
Investment
 
     
(In thousands)
    
             
Commercial    $  $ 
Commercial real estate         
Residential         
Installment         
 
  
Three Months ended March 31, 2018
 
  
Interest
Only
  
Term
  
Combination
  
Total
Modification
 
  
(
In thousands
)
 
                
Commercial $  $  $  $ 
Commercial real estate            
Residential            
Consumer            
 
During the three months ended March 31, 2019 and 2018 and for three month periods then ended, there were no material defaults of any troubled debt restructurings that were modified in the last 12 months. The Company generally considers TDR’s that become 90 days or more past due under the modified terms as subsequently defaulted.
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Benefit Plans
3 Months Ended
Mar. 31, 2019
Benefit Plans [Abstract]  
Benefit Plans
Note 4:
Benefit Plans
 
Pension expense includes the following:
 
 
 
Three months ended

March 31,
 
 
 
2019
 
 
2018
 
 
 
(In thousands)
 
 
 
 
 
 
 
 
Service cost
 
$
75
 
 
$
76
 
Interest cost
 
 
55
 
 
 
55
 
Expected return on assets
 
 
(102
)
 
 
(111
)
Amortization of prior service cost and net loss
 
 
1
 
 
 
(10
)
 
 
 
 
 
 
 
 
 
Pension expense
 
$
29
 
 
$
10
 
 
All components of pension expense are reflected within the salaries and employee benefits line of the income statement.
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Off-balance-sheet Activities
3 Months Ended
Mar. 31, 2019
Off Balance Sheet Activities [Abstract]  
Off Balance Sheet Commitments And Guarantees
Note 5:
Off-balance-sheet Activities
 
Some financial instruments, such as loan commitments, credit lines, letters of credit and overdraft protection, are issued to meet customer financing needs. These are agreements to provide credit or to support the credit of others, as long as conditions established in the contracts are met, and usually have expiration dates. Commitments may expire without being used. Off-balance-sheet risk to credit loss exists up to the face amount of these instruments, although material losses are not anticipated. The same credit policies are used to make such commitments as are used for loans, including obtaining collateral at exercise of the commitment.
 
A summary of the notional or contractual amounts of financial instruments with off-balance-sheet risk at the indicated dates is as follows:
 
  
March 31,
  
December 31,
 
  
2019
  
2018
 
  
(In thousands)
 
       
Commercial loans unused lines of credit $36,060  $34,148 
Commitment to originate loans  22,838   21,319 
Consumer open end lines of credit  38,347   37,726 
Standby lines of credit  46    
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Accumulated Other Comprehensive Loss
3 Months Ended
Mar. 31, 2019
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]  
Accumulated Other Comprehensive Loss
Note 6:
Accumulated Other Comprehensive Loss
 
The components of accumulated other comprehensive loss, included in stockholders’ equity, are as follows:
 
  
March 31,
 

2019
  
December 31,
 

2018
 
  
(In thousands)
 
       
Net unrealized gain (loss) on securities available-for-sale $3,120  $658 
Net unrealized loss for unfunded status of defined benefit plan liability     (671)
         
   3,120   (13)
Tax effect  (660
)
  3 
         
Net-of-tax amount $2,460  $(10)
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Fair Value Measurements
3 Months Ended
Mar. 31, 2019
Fair Value Disclosures [Abstract]  
Fair Value Measurements
Note 7:
Fair Value Measurements
 
The Company defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. The Company also utilizes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value:
 
Level 1
Quoted prices in active markets for identical assets or liabilities that the entity can access at the measurement date
 
Level 2
Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities
 
Level 3
Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities
 
Following is a description of the valuation methodologies used for assets measured at fair value on a recurring basis and recognized in the accompanying consolidated balance sheets, as well as the general classification of such instruments pursuant to the valuation hierarchy.
 
Available-for-sale Securities
 
Where quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. The Company’s equity securities are classified within Level 1 of the hierarchy. If quoted market prices are not available, then fair values are estimated by using quoted prices of securities with similar characteristics or independent asset pricing services and pricing models, the inputs of which are market-based or independently sourced market parameters, including, but not limited to, yield curves, interest rates, volatilities, prepayments, defaults, cumulative loss projections and cash flows. Such securities are classified in Level 2 of the valuation hierarchy.
 
The following table presents the fair value measurements of assets recognized in the accompanying consolidated balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at March 31, 2019 and December 31, 2018:
 
     
Fair Value Measurements Using
 
  
Fair Value
  
Quoted Prices
in Active
 

Markets for
 

Identical
 

Assets
(Level 1)
  
Significant
 

Other
 

Observable
Inputs
(Level 2)
  
Significant
 

Unobservable
Inputs
(Level 3)
 
  
(In thousands)
 
March 31, 2019
                
U.S. government agencies $42,078  $  $42,078  $ 
State and municipal obligations  97,240      97,240    
                 
December 31, 2018
                
U.S. government agencies $44,750  $––  $44,750  $–– 
State and municipal obligations $79,241  $––  $79,241  $–– 
 
Following is a description of the valuation methodologies used for assets measured at fair value on a nonrecurring basis and recognized in the accompanying consolidated balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below.
 
Impaired Loans (Collateral Dependent)
 
Collateral dependent impaired loans consisted primarily of loans secured by nonresidential real estate. Management has determined fair value measurements on impaired loans primarily through evaluations of appraisals performed. Due to the nature of the valuation inputs, impaired loans are classified within Level 3 of the hierarchy.
 
The Company considers the appraisal or evaluation as the starting point for determining fair value and then considers other factors and events in the environment that may affect the fair value. Appraisals of the collateral underlying collateral-dependent loans are obtained when the loan is determined to be collateral-dependent and subsequently as deemed necessary by the Company’s Chief Lender. Appraisals are reviewed for accuracy and consistency by the Company’s Chief Lender. Appraisers are selected from the list of approved appraisers maintained by management. The appraised values are reduced by discounts to consider lack of marketability and estimated cost to sell if repayment or satisfaction of the loan is dependent on the sale of the collateral. These discounts and estimates are developed by the Company’s Chief Lender by comparison to historical results.
 
Foreclosed Assets Held for Sale
 
Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value (based on current appraised value) at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Management has determined fair value measurements on other real estate owned primarily through evaluations of appraisals performed, and current and past offers for the other real estate under evaluation. Due to the nature of the valuation inputs, foreclosed assets held for sale are classified within Level 3 of the hierarchy.
 
Appraisals of OREO are obtained when the real estate is acquired and subsequently as deemed necessary by the Company’s Chief lender. Appraisals are reviewed for accuracy and consistency by the Company’s Chief Lender and are selected from the list of approved appraisers maintained by management.
 
The following table presents the fair value measurements of assets recognized in the accompanying consolidated balance sheets measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at March 31, 2019 and December 31, 2018.
 
     
Fair Value Measurements Using
 
  
Fair
 

Value
  
Quoted Prices
 

in Active
 

Markets for
 

Identical
 

Assets
(Level 1)
  
Significant
 

Other
Observable
Inputs
(Level 2)
  
Significant
Unobservable
Inputs
(Level 3)
 
  
(In thousands)
 
March 31, 2019
                
Collateral dependent impaired loans $445  $  $  $445 
                 
December 31, 2018
                
Collateral dependent impaired loans $314  $––  $––  $314 
Foreclosed assets held for sale  91   ––   ––   91 
 
Unobservable (Level 3) Inputs
 
The following table presents quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements.
 
  
Fair Value at
3/31/19
  
Valuation
 

Technique
 
Unobservable Inputs
 
Range
  
(In thousands)
Collateral-dependent impaired loans $445  Market comparable properties Comparability adjustments Not available
 

 
 
 
  
Fair Value at
12/31/18
  
Valuation
 

Technique
 
Unobservable Inputs
 
Range
  
(In thousands)
          
Collateral-dependent impaired loans $314  Market comparable properties Comparability adjustments Not available
 

 
 
           
Foreclosed assets held for sale  91  Market comparable properties
 
 Marketability discount 10% – 35%
 
 
There were no significant changes in the valuation techniques used during 2019.
 
The following table presents estimated fair values of the Company’s financial instruments. The fair values of certain of these instruments were calculated by discounting expected cash flows, which involves significant judgments by management and uncertainties. Because no market exists for certain of these financial instruments and because management does not intend to sell these financial instruments, the Company does not know whether the fair values shown below represent values at which the respective financial instruments could be sold individually or in the aggregate.
 
     
Fair Value Measurements Using
 
  
Carrying
Amount
  
Quoted Prices
in Active
 

Markets for
Identical
Assets
(Level 1)
  
Significant
 

Other
 

Observable
Inputs
(Level 2)
  
Significant
Unobservable
Inputs
(Level 3)
 
  
(In thousands)
 
March 31, 2019:
                
                 
Financial assets
 $32,692  $32,692  $  $ 
Cash and cash equivalents                
Loans, net of allowance  411,813         411,575 
Federal Home Loan Bank stock  4,012      4,012    
Accrued interest receivable  2,104      2,104    
                 
Financial liabilities
                
Deposits  538,931      538,265    
Short term borrowings  13,441      13,441    
Federal Home Loan Bank Advances  80      79    
Subordinated debentures  4,124      3,647    
Interest payable  177      177    
 
 
     
Fair Value Measurements Using
 
  
Carrying
Amount
  
Quoted Prices
 

in Active
Markets for
Identical
Assets
(Level 1)
  
Significant
 

Other
Observable
Inputs
(Level 2)
  
Significant
 

Unobservable
Inputs
(Level 3)
 
  
(In thousands)
 
December 31, 2018:
                
                 
Financial assets
 $25,253  $25,253  $––  $–– 
Cash and cash equivalents                
Loans, net of allowance  407,640   ––   ––   405,033 
Federal Home Loan Bank stock  4,243   ––   4,243   –– 
Accrued interest receivable  1,798   ––   1,798   –– 
                 
Financial liabilities
                
Deposits  525,443   ––   524,010   –– 
Short term borrowings  8,068   ––   8,068   –– 
Federal Home Loan Bank Advances  106   ––   101   –– 
Subordinated debentures  4,124   ––   3,647   –– 
Interest payable  188   ––   188   –– 
 
The following methods and assumptions were used to estimate the fair value of each class of financial instruments.
 
Cash and Cash Equivalents, Accrued Interest Receivable and Federal Home Loan Bank Stock
 
The carrying amounts approximate fair value.
 
Loans
 
Fair values of loans and leases are estimated on an exit price basis incorporating discounts for credit, liquidity and marketability factors.
 
Deposits
 
Deposits include demand deposits, savings accounts, NOW accounts and certain money market deposits. The carrying amount approximates fair value. The fair value of fixed-maturity time deposits is estimated using a discounted cash flow calculation that applies the rates currently offered for deposits of similar remaining maturities.
 
Interest Payable
 
The carrying amount approximates fair value.
 
Short-term Borrowings, Federal Home Loan Bank Advances and Subordinated Debentures
 
Rates currently available to the Company for debt with similar terms and remaining maturities are used to estimate the fair value of existing debt.
 
Commitments to Originate Loans, Letters of Credit and Lines of Credit
 
The fair value of commitments to originate loans is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair values of letters of credit and lines of credit are based on fees currently charged for similar agreements or on the estimated cost to terminate or otherwise settle the obligations with the counterparties at the reporting date. Fair values of commitments were not material at March 31, 2019 and December 31, 2018.
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Repurchase Agreements
3 Months Ended
Mar. 31, 2019
Disclosure of Repurchase Agreements [Abstract]  
Repurchase Agreements
Note 8:
Repurchase Agreements
 
Securities sold under agreements to repurchase (“repurchase agreements”) with customers represent funds deposited by customers, generally on an overnight basis that are collateralized by investment securities owned by the Company.
 
The following table presents the Company’s repurchase agreements accounted for as secured borrowings:
 
Remaining Contractual Maturity of the Agreement 
(In thousands)
 
March 31, 2019
 
Overnight and
Continuous
  
Up to 30 Days
  
30-90 Days
  
Greater than 90
Days
  
Total
 
    
Repurchase Agreements                    
U.S. government agencies  13,441   ––   ––   ––   13,441 
Total $13,441  $––  $––  $––  $13,441 
 
These borrowings were collateralized with U.S. government and agency securities with a carrying value of $16.9 million at March 31, 2019. Declines in the fair value would require the Company to pledge additional securities.
 
(In thousands)
 
December 31, 2018
 
Overnight and
Continuous
  
Up to 30 Days
  
30-90 Days
  
Greater than 90
Days
  
Total
 
    
Repurchase Agreements                    
U.S. government agencies $8,068  $––  $––  $––  $8,068 
Total $8,068  $––  $––  $––  $8,068 
 
Securities with an approximate carrying value of $18.3 million at December 31, 2018, were pledged as collateral for repurchase borrowings.
XML 29 R18.htm IDEA: XBRL DOCUMENT v3.19.1
Acquisition
3 Months Ended
Mar. 31, 2019
Business Combinations [Abstract]  
Business Combination Disclosure
Note 9 Acquisition
 
On June 14, 2018, the Company and Powhatan Point Community Bancshares, Inc. (“Powhatan Point”) entered into an Agreement and Plan of Merger (the “Merger Agreement”) pursuant to which Powhatan Point merged with and into the Company on October 15, 2018. The First National Bank of Powhatan , wholly-owned subsidiary of Powhatan Point, operated from one full-service office located in Powhatan Point, Ohio. That office became a branch of Unified Bank after the merger.
 
Under the terms of the Merger Agreement, the shareholders of Powhatan Point received 6.9233 shares of common stock of United Bancorp and $28.52 in cash per outstanding share of Powhatan Point stock.
 
The merger with Powhatan Point was accounted for using the acquisition method of accounting and, accordingly, assets acquired, liabilities assumed and consideration paid were recorded at their estimated fair values as of the merger date. The following table summarizes the allocation purchase prices for Powhatan Point.
 
(in thousands)
 
ASSETS
 
 
 
 
 
LIABILITIES
 
 
 
 
Cash and cash equivalents
 
$
24,986
 
 
Deposits
 
 
 
 
Deposits in other banks
 
 
3,461
 
 
Non interest bearing
 
$
19,287
 
FHLB stock
 
 
78
 
 
Savings
 
 
30,533
 
Investments
 
 
23,865
 
 
Certificates of Deposit
 
 
5,772
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
 
3,019
 
 
Total Deposits
 
 
55,592
 
Residential
 
 
2,403
 
 
 
 
 
 
 
Installment
 
 
1,357
 
 
 
 
 
 
 
Total loans
 
 
6,779
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Premise and equipment, net
 
 
548
 
 
Interest payable and other liabilities
 
 
496
 
Core deposit intangible
 
 
1,028
 
 
 
 
 
 
 
Goodwill
 
 
682
 
 
 
 
 
 
 
Bank owned life insurance
 
 
612
 
 
 
 
 
 
 
Accrued interest receivable
 
 
145
 
 
 
 
 
 
 
Deferred federal income taxes
 
 
20
 
 
 
 
 
 
 
Other assets
 
 
124
 
 
 
 
 
 
 
Total assets purchased
 
$
62,328
 
 
Total liabilities assumed
 
 
 
 
Common shares issued
 
$
4,711
 
 
 
 
$
56,088
 
Cash paid
 
 
1,529
 
 
 
 
 
 
 
Estimated purchase price
 
$
6,240
 
 
 
 
 
 
 
 
Of the total purchase price of $6.2 million, $1.0 has been allocated to core deposit intangible. Additionally, $682,000 has been allocated to goodwill. The core deposit will be amortized over 7 years on a straight line basis. Direct costs related to the acquisition were expensed as incurred and reflected in other noninterest expense in the consolidated statement of income for the year ended December 31, 2018. The amount of goodwill reflects the Company’s expansion in the Powhatan Point market and related synergies that are expected to result from the acquisition and represent the excess purchase price over the estimated fair value of the net assets acquired. The goodwill will not be amortizable in the Company’s financial statements and will not be deductible for tax purposes. Goodwill will be subject to an annual test for impairment and the amount impaired, if any, will be charged to expense at the time of impairment.
 
The Company acquired various loans in the acquisition for which none had evidence of deterioration of credit quality since origination. The fair value of assets acquired includes loans with a fair value of $6,779,000. The gross principal and contractual interest due under the contracts is $6,875,000, of which $86,000 is expected to be uncollectible.
XML 30 R19.htm IDEA: XBRL DOCUMENT v3.19.1
Subsequent Event
3 Months Ended
Mar. 31, 2019
Subsequent Events [Abstract]  
Subsequent Events
Note 10 Subsequent Event
 
On
May 14, 2019
the Company issued $20,000,000 of junior subordinated debentures. The debentures bear interest at a fixed rate of 6.0% until
May 2024
, which then becomes a floating interest rate equal to the three-month LIBOR (or an equivalent index) plus 3.625%, resetting quarterly. Interest on the subordinated notes will be payable semiannually through
May 2024
and quarterly thereafter through the maturity date of
May 2029
. Principal is due upon maturity. The debentures are unsecured and payable to various investors. For purposes of computing regulatory capital, the debentures are included in Tier
2
Capital. The subordinated notes may not be repaid in whole or in part prior to the fifth anniversary of the issue date (
May 2019
).
XML 31 R20.htm IDEA: XBRL DOCUMENT v3.19.1
Summary of Significant Accounting Policies (Policies)
3 Months Ended
Mar. 31, 2019
Accounting Policies [Abstract]  
Principles of Consolidation
Principles of Consolidation
 
The consolidated financial statements include the accounts of United Bancorp, Inc. (“United” or “the Company”) and its wholly-owned subsidiary, Unified Bank of Martins Ferry, Ohio (“the Bank”). All intercompany transactions and balances have been eliminated in consolidation.
Nature of Operations
Nature of Operations
 
The Company’s revenues, operating income and assets are almost exclusively derived from banking. Accordingly, all of the Company’s banking operations are considered by management to be aggregated in one reportable operating segment. Customers are mainly located in Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson and Tuscarawas Counties and the surrounding localities in northeastern, east-central and southeastern Ohio and include a wide range of individuals, businesses and other organizations. Unified Bank conducts its business through its main office in Martins Ferry, Ohio and branches in Amesville, Bridgeport, Colerain, Dellroy, Dillonvale, Dover, Glouster, Jewett, Lancaster Downtown, Lancaster East, Nelsonville, New Philadelphia, Powhatan, St. Clairsville East, St. Clairsville West, Sherrodsville, Strasburg and Tiltonsville, Ohio. The Bank also operates a Loan Production Office in Wheeling, West Virginia.
 
The Company’s primary deposit products are checking, savings and term certificate accounts and its primary lending products are residential mortgage, commercial and installment loans. Substantially all loans are secured by specific items of collateral including business assets, consumer assets and real estate. Commercial loans are expected to be repaid from cash flow from operations of businesses. Real estate loans are secured by both residential and commercial real estate. Net interest income is affected by the relative amount of interest-earning assets and interest-bearing liabilities and the interest received or paid on these balances. The level of interest rates paid or received by the Company can be significantly influenced by a number of environmental factors, such as governmental monetary and fiscal policies, that are outside of management’s control.
Revenue Recognition
Revenue Recognition
 
Accounting Standards Codification ("ASC") 606,
Revenue from Contracts with Customers
("ASC 606"), establishes principles for reporting information about the nature, amount, timing and uncertainty of revenue and cash flows arising from the entity's contracts to provide goods or services to customers. The core principle requires an entity to recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration that it expects to be entitled to receive in exchange for those goods or services recognized as performance obligations are satisfied. 
 
The majority of our revenue-generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as our loans, investment securities, as well as revenue related to our mortgage banking activities, as these activities are subject to other GAAP discussed elsewhere within our disclosures.
 
Descriptions of our revenue-generating activities that are within the scope of ASC 606, which are presented in our income statements as components of non-interest income are as follows:
 
Service charges on deposit accounts - these represent general service fees for monthly account maintenance and activity- or transaction-based fees and consist of transaction-based revenue, time-based revenue (service period), item-based revenue or some other individual attribute-based revenue. Revenue is recognized when our performance obligation is completed which is generally monthly for account maintenance services or when a transaction has been completed (such as a wire transfer). Payment for such performance obligations are generally received at the time the performance obligations are satisfied.
Use of Estimates
Use of Estimates
 
To prepare financial statements in conformity with accounting principles generally accepted in the United States of America, management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided and future results could differ. The allowance for loan losses and fair values of financial instruments are particularly subject to change.
Loans
Loans
 
Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoffs are reported at their outstanding principal balances adjusted for unearned income, charge-offs, the allowance for loan losses, any unamortized deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans.
 
For loans amortized at cost, interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, as well as premiums and discounts, are deferred and amortized as a level yield adjustment over the respective term of the loan.
 
For all loan classes, the accrual of interest is discontinued at the time the loan is 90 days past due unless the credit is well-secured and in process of collection. Past due status is based on contractual terms of the loan. For all loan classes, the entire balance of the loan is considered past due if the minimum payment contractually required to be paid is not received by the contractual due date. For all loan classes, loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful.
 
Management’s general practice is to proactively charge down loans individually evaluated for impairment to the fair value of the underlying collateral. Consistent with regulatory guidance, charge-offs on all loan segments are taken when specific loans, or portions thereof, are considered uncollectible. The Company’s policy is to promptly charge these loans off in the period the uncollectible loss is reasonably determined.
 
For all loan portfolio segments except residential and consumer loans, the Company promptly charges-off loans, or portions thereof, when available information confirms that specific loans are uncollectible based on information that includes, but is not limited to, (1) the deteriorating financial condition of the borrower, (2) declining collateral values, and/or (3) legal action, including bankruptcy, that impairs the borrower’s ability to adequately meet its obligations. For impaired loans that are considered to be solely collateral dependent, a partial charge-off is recorded when a loss has been confirmed by an updated appraisal or other appropriate valuation of the collateral.
 
The Company charges-off residential and consumer loans when the Company reasonably determines the amount of the loss. The Company adheres to timeframes established by applicable regulatory guidance which provides for the charge-down of 1-4 family first and junior lien mortgages to the net realizable value less costs to sell when the loan is 120 days past due, charge-off of unsecured open-end loans when the loan is 120 days past due, and charge down to the net realizable value when other secured loans are 120 days past due. Loans at these respective delinquency thresholds for which the Company can clearly document that the loan is both well-secured and in the process of collection, such that collection will occur regardless of delinquency status, need not be charged off.
 
For all classes, all interest accrued but not collected for loans that are placed on nonaccrual or charged off are reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Nonaccrual loans are returned to accrual status when, in the opinion of management, the financial position of the borrower indicates there is no longer any reasonable doubt as to the timely collection of interest or principal. The Company requires a period of satisfactory performance of not less than six months before returning a nonaccrual loan to accrual status.
 
When cash payments are received on impaired loans in each loan class, the Company records the payment as interest income unless collection of the remaining recorded principal amount is doubtful, at which time payments are used to reduce the principal balance of the loan. Troubled debt restructured loans recognize interest income on an accrual basis at the renegotiated rate if the loan is in compliance with the modified terms, no principal reduction has been granted and the loan has demonstrated the ability to perform in accordance with the renegotiated terms for a period of at least six months.
Allowance for Loan Losses
Allowance for Loan Losses
 
The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to income. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance.
 
The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.
 
The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired. For those loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-impaired loans and is based on historical charge-off experience by segment. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the prior five years.
Management believes the five year historical loss experience methodology is appropriate in the current economic environment.
Other adjustments (qualitative/environmental considerations) for each segment may be added to the allowance for each loan segment after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss or risk rating data.
 
A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due based on the loan’s current payment status and the borrower’s financial condition including available sources of cash flows. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.
 
Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for non-homogenous type loans such as commercial, non-owner residential and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent. For impaired loans where the Company utilizes the discounted cash flows to determine the level of impairment, the Company includes the entire change in the present value of cash flows as bad debt expense.
 
The fair values of collateral dependent impaired loans are based on independent appraisals of the collateral. In general, the Company acquires an updated appraisal upon identification of impairment and annually thereafter for commercial, commercial real estate and multi-family loans. If the most recent appraisal is over a year old, and a new appraisal is not performed, due to lack of comparable values or other reasons, the existing appraisal is utilized and discounted generally 10% -35% based on the age of the appraisal, condition of the subject property, and overall economic conditions. After determining the collateral value as described, the fair value is calculated based on the determined collateral value less selling expenses. The potential for outdated appraisal values is considered in our determination of the allowance for loan losses through our analysis of various trends and conditions including the local economy, trends in charge-offs and delinquencies, etc. and the related qualitative adjustments assigned by the Company.
 
Segments of loans with similar risk characteristics are collectively evaluated for impairment based on the segment’s historical loss experience adjusted for changes in trends, conditions and other relevant factors that affect repayment of the loans. Accordingly, the Company does not separately identify individual consumer and residential loans for impairment measurements, unless such loans are the subject of a restructuring agreement due to financial difficulties of the borrower.
 
In the course of working with borrowers, the Company may choose to restructure the contractual terms of certain loans. In this scenario, the Company attempts to work-out an alternative payment schedule with the borrower in order to optimize collectability of the loan. Any loans that are modified are reviewed by the Company to identify if a troubled debt restructuring (“TDR”) has occurred, which is when, for economic or legal reasons related to a borrower’s financial difficulties, the Company grants a concession to the borrower that it would not otherwise consider. Terms may be modified to fit the ability of the borrower to repay in line with its current financial status and the restructuring of the loan may include the transfer of assets from the borrower to satisfy the debt, a modification of loan terms, or a combination of the two. If such efforts by the Company do not result in a satisfactory arrangement, the loan is referred to legal counsel, at which time foreclosure proceedings are initiated. At any time prior to a sale of the property at foreclosure, the Company may terminate foreclosure proceedings if the borrower is able to work-out a satisfactory payment plan.
 
It is the Company’s policy to have any restructured loans which are on nonaccrual status prior to being restructured remain on nonaccrual status until six months of satisfactory borrower performance at which time management would consider its return to accrual status. If a loan was accruing at the time of restructuring, the Company reviews the loan to determine if it is appropriate to continue the accrual of interest on the restructured loan.
 
With regard to determination of the amount of the allowance for credit losses, trouble debt restructured loans are considered to be impaired. As a result, the determination of the amount of impaired loans for each portfolio segment within troubled debt restructurings is the same as detailed previously.
Earnings Per Share
Earnings Per Share
 
Earnings per share (EPS) were computed as follows:
 
 
 
Three Months Ended March 31, 2019
 
 
 
Net
Income
 
 
Weighted-
Average
Shares
 
 
Per Share
Amount
 
 
 
(In thousands)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income
 
$
1,614
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Less allocated earnings on non-vested restricted stock
 
 
(27
)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Less allocated dividends on non-vested restricted stock
 
 
(23
)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income allocated to common stockholders
 
 
1,564
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
5,515,418
 
 
 
 
 
Basic and diluted earnings per share
 
 
 
 
 
 
 
 
 
$
0.28
 
 
 
 
Three Months Ended March 31, 2018
 
 
 
Net
Income
 
 
Weighted-
Average
Shares
 
 
Per Share
Amount
 
 
 
(In thousands)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income
 
$
1,148
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Less allocated earnings on non-vested restricted stock
 
 
(14
)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Less dividends on non-vested restricted stock
 
 
(23
)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income allocated to common stockholders
 
 
1,111
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
4,874,479
 
 
 
 
 
Basic and diluted earnings per share
 
 
 
 
 
 
 
 
 
$
0.23
 
 
During 2018, earnings per share began to be presented using the two-class method. This two class method is an earnings allocation method under which earnings per share is calculated for common stock and participating securities, considering both dividends declared and participation rights in undistributed earnings as if all such earnings had been distributed during the period. Basic earnings per share were previously disclosed at $0.22 and diluted earnings per share at $0.22 for the 3 months ended March 31, 2018.
Income Taxes
Income Taxes
 
The Company is subject to income taxes in the U.S. federal jurisdiction, as well as various state jurisdictions. Tax regulations within each jurisdiction are subject to the interpretation of the related tax laws and regulations and require significant judgment to apply. With few exceptions, the Company is no longer subject to U.S. federal, state and local income tax examinations by tax authorities for the years before 2015.
Recently Adopted Accounting Pronouncements
Recently Adopted Accounting Pronouncements
 
On February 25, 2016, the FASB issued ASU 2016-02 “
Leases (Topic 842).
” ASU 2016-02 is intended to improve financial reporting about leasing transactions. This ASU affects all companies and other organization that lease assets such as real estate, airplanes, and manufacturing equipment.
 
Under the current accounting model, an organization applies a classification test to determine the accounting for the lease arrangement:
 
 
(a)
Some leases are classified as capital where by the lessee would recognize lease assets and liabilities on the balance sheet.
 
 
(b)
Other leases are classified as operating leases whereby the lessee would not recognize lease assets and liabilities on the balance sheet.
 
Under the new guidance, a lessee will be required to recognize assets and liabilities for all leases with lease terms of more than 12 months. Consistent with Generally Accepted Accounting Principles (GAAP), the recognition, measurement, and presentation of expenses and cash flows arising from a lease by a lessee primarily will depend on its classification as a finance or operating lease.
 
However, unlike current GAAP—which requires only capital leases to be recognized on the balance sheet—the new ASU will require both types of leases to be recognized on the balance sheet. Right of use assets represents the Company’s right to use the underlying assets for their lease terms and lease liabilities represent the obligation to make lease payments.
 
The Company adopted ASU 2016-02 January 1, 2019.
The right of use asset and lease obligation recorded as of March 31, 2019 was approximately $126,000 and is reflected in other assets and interest payable and other liabilities, respectively on the balance sheet. The modified retrospective method was applied. Due to the immateriality of the impact, certain disclosures under ASU 842 have been omitted.
Recent Accounting Pronouncements
Recent Accounting Pronouncements
 
In June 2016, the FASB issued ASU No. 2016-13,
“Financial Instruments-Credit Losses (Topic 326) - Measurement of Credit Losses on Financial Instruments.”
The provisions of ASU 2016-13 were issued to provide financial statement users with more decision-useful information about the expected credit losses on financial instruments that are not accounted for at fair value through net income, including loans held for investment, held-to-maturity debt securities, trade and other receivables, net investment in leases and other commitments to extend credit held by a reporting entity at each reporting date. ASU 2016-13 requires that financial assets measured at amortized cost be presented at the net amount expected to be collected, through an allowance for credit losses that is deducted from the amortized cost basis. The amendments in ASU 2016-13 eliminate the probable incurred loss recognition in current GAAP and reflect an entity’s current estimate of all expected credit losses. The measurement of expected credit losses is based upon historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the financial assets. 
 
For purchased financial assets with a more-than-insignificant amount of credit deterioration since origination (“PCD assets”) that are measured at amortized cost, the initial allowance for credit losses is added to the purchase price rather than being reported as a credit loss expense. Subsequent changes in the allowance for credit losses on PCD assets are recognized through the statement of income as a credit loss expense. 
 
Credit losses relating to available-for-sale debt securities will be recorded through an allowance for credit losses rather than as a direct write-down to the security. 
 
ASU 2016-13 is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. Early adoption is permitted for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. The Company is currently evaluating the impact of these amendments to the Company’s financial position and results of operations and currently does not know or cannot reasonably quantify the impact of the adoption of the amendments as a result of the complexity and extensive changes from the amendments. The Allowance for Loan Losses (ALL) estimate is material to the Company and given the change from an incurred loss model to a methodology that considers the credit loss over the life of the loan, there is the potential for an increase in the ALL at adoption date. The Company is anticipating a significant change in the processes and procedures to calculate the ALL, including changes in assumptions and estimates to consider expected credit losses over the life of the loan versus the current accounting practice that utilizes the incurred loss model. In addition, the current accounting policy and procedures for the other-than-temporary impairment on available-for-sale securities will be replaced with an allowance approach. The Company continues to run projections and reviewing segmentation to ensure it is fully compliant with the amendments at adoption date. We anticipate having an range of potential impact on the Company in the third quarter of 2019. For additional information on the allowance for loan losses, see Note 4.
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Summary of Significant Accounting Policies (Tables)
3 Months Ended
Mar. 31, 2019
Accounting Policies [Abstract]  
Schedule of Earnings Per Share
Earnings per share (EPS) were computed as follows:
 
 
 
Three Months Ended March 31, 2019
 
 
 
Net
Income
 
 
Weighted-
Average
Shares
 
 
Per Share
Amount
 
 
 
(In thousands)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income
 
$
1,614
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Less allocated earnings on non-vested restricted stock
 
 
(27
)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Less allocated dividends on non-vested restricted stock
 
 
(23
)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income allocated to common stockholders
 
 
1,564
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
5,515,418
 
 
 
 
 
Basic and diluted earnings per share
 
 
 
 
 
 
 
 
 
$
0.28
 
 
 
 
Three Months Ended March 31, 2018
 
 
 
Net
Income
 
 
Weighted-
Average
Shares
 
 
Per Share
Amount
 
 
 
(In thousands)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income
 
$
1,148
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Less allocated earnings on non-vested restricted stock
 
 
(14
)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Less dividends on non-vested restricted stock
 
 
(23
)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income allocated to common stockholders
 
 
1,111
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
4,874,479
 
 
 
 
 
Basic and diluted earnings per share
 
 
 
 
 
 
 
 
 
$
0.23
 
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Securities (Tables)
3 Months Ended
Mar. 31, 2019
Securities [Abstract]  
Amortized Cost and Approximate Fair Values, Together with Gross Unrealized Gains and Losses of Securities
The amortized cost and fair values, together with gross unrealized gains and losses of securities are as follows:
 
  
Amortized Cost
  
Gross
 

Unrealized
 

Gains
  
Gross
 

Unrealized
 

Losses
  
Fair Value
 
  
(In thousands)
 
Available-for-sale Securities:
                
March 31, 2019:                
                 
U.S. government agencies $42,250  $  $(172) $42,078 
State and municipal obligations  93,282   3,958      97,240 
                 
Total debt securities $135,532  $3,958  $(172) $139,318 
                 
Available-for-sale Securities:
                
December 31, 2018:                
                 
U.S. government agencies $45,250  $––  $(500) $44,750 
State and municipal obligations $78,083  $1,194  $(36) $79,241 
                 
Total debt securities $123,333  $1,194  $(536) $123,991 
Amortized Cost and Fair Value of Available-for-Sale Securities and Held-to-Maturity Securities, by Contractual Maturity
The amortized cost and fair value of available-for-sale securities at March 31, 2019, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.
 
  
Available-for-sale
 
  
Amortized
Cost
  
Fair
 

Value
 
  
(In thousands)
 
Within one year $  $ 
One to five years  47,715   47,543 
Five to ten year      
Due after ten years  87,817   91,775 
         
Totals $135,532  $139,318 
Investments' Gross Unrealized Losses and Fair Value, Aggregated by Investment Category and Length of Time that Individual Securities have been in Continuous Unrealized Loss Position
The following tables show the Company’s investments’ gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at March 31, 2019:
 
March 31, 2019
  
Less than 12 Months
  
12 Months or More
  
Total
 
Description of
Securities
 
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
 
(In thousands)
U.S. Government agencies $  $  $42,078  $(172) $42,078  $(172)
Total temporarily impaired securities $  $  $42,078  $(172) $42,078  $(172)
  
December 31, 2018
  
Less than 12 Months
  
12 Months or More
  
Total
 
Description of
Securities
 
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
 
(In thousands)
US Government agencies $––  $––  $44,750  $(500) $44,750  $(500)
State and municipal obligations $5,182  $(36) $––  $––  $5,182  $(36)
                         
Total temporarily impaired securities $5,182  $(36) $44,750  $(500) $49,932  $(536)
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Loans and Allowance for Loan Losses (Tables)
3 Months Ended
Mar. 31, 2019
Loans and Allowance For Loan Losses [Abstract]  
Categories of Loans
Categories of loans include:
 
  
March 31,
  
December 31,
 
  
2019
  
2018
 
  
(In thousands)
 
         
Commercial loans $94,396  $93,690 
Commercial real estate  231,516   223,461 
Residential real estate  76,883   78,767 
Installment loans  11,101   13,765 
         
Total gross loans  413,896   409,683 
         
Less allowance for loan losses  (2,083)  (2,043)
         
Total loans $411,813  $407,640 
Allowance for Loan Losses and Recorded Investment in Loans
Allowance for Loan Losses and Recorded Investment in Loans
As of and for the three month period ended March 31, 2019
 
  
Commercial
  
Commercial
Real Estate
  
Residential
  
Installment
  
Unallocated
  
Total
 
  
(In thousands)
 
Allowance for loan losses:
                        
Balance, beginning of period $389  $672  $519  $463  $  $2,043 
Provision charged to expense  21   (50)  207   (88)     90 
Losses charged off  (18)        (41)     (59)
Recoveries  1      1   7      9 
Balance, end of period $393  $622  $727  $341  $  $2,083 
Ending balance:  individually evaluated for impairment $  $77  $  $68  $  $145 
Ending balance:  collectively evaluated for impairment $393  $545  $727  $273  $  $1,938 
                         
Loans:
                        
Ending balance:  individually evaluated for impairment $88  $778  $  $435  $  $1,301 
Ending balance:  collectively evaluated for impairment $94,308  $230,738  $76,883  $10,666  $  $412,595 
 
Allowance for Loan Losses and Recorded Investment in Loans
As of and for the three month period ended March 31, 2018
 
  
Commercial
  
Commercial
Real Estate
  
Residential
  
Installment
  
Unallocated
  
Total
 
  
(In thousands)
 
Allowance for loan losses:
                        
Balance, beginning of period $537  $843  $436  $218  $88  $2,122 
Provision charged to expense  (16   (173)  9   239   (2)  57 
Losses charged off           (69)     (69)
Recoveries  1   1   1   12      15 
Balance, end of period $522  $671  $446  $400  $86  $2,125 
Ending balance:  individually evaluated for impairment $  $77  $  $  $  $77 
Ending balance:  collectively evaluated for impairment $522  $594  $446  $400  $86  $2,048 
                         
Loans:
                        
Ending balance:  individually evaluated for impairment $9  $612  $  $406  $  $1,027 
Ending balance:  collectively evaluated for impairment $84,424  $198,722  $74,563  $11,749  $  $369,458 
 
Allowance for Loan Losses and Recorded Investment in Loans
As of December 31, 2018
 
  
Commercial
  
Commercial
Real Estate
  
Residential
  
Installment
  
Unallocated
  
Total
 
  
(In thousands)
 
Allowance for loan losses:
                        
Ending balance:  individually evaluated for impairment $  $85  $––  $––  $––  $85 
Ending balance:  collectively evaluated for impairment $389  $587  $519  $463  $  $1,958 
                         
Loans:
                        
Ending balance:  individually evaluated for impairment $57  $809  $93  $  $––  $959 
Ending balance:  collectively evaluated for impairment $93,633  $222,652  $78,767  $13,672  $––  $408,724 
Portfolio Quality Indicators
The following tables show the portfolio quality indicators.
 
  
March 31, 2019
 
Loan Class
 
Commercial
  
Commercial
Real Estate
  
Residential
  
Installment
  
Total
 
  
(In thousands)
 
                
Pass Grade $94,298  $226,305  $76,883  $10,666  $408,152 
Special Mention     3,992         3,992 
Substandard  98   1,219   435      1,752 
Doubtful               
                     
  $94,396  $231,516  $77,318  $10,666  $413,896 
 
  
December 31, 2018
 
Loan Class
 
Commercial
  
Commercial
Real Estate
  
Residential
  
Installment
  
Total
 
  
(In thousands)
 
                
Pass Grade $93,620  $219,485  $78,767  $13,672  $405,544 
Special Mention     2,710   ––   ––   2,710 
Substandard  70   1,266   93      1,429 
Doubtful  ––   ––   ––   ––   –– 
                     
  $93,690  $223,461  $78,860  $13,672  $409,683 
Loan Portfolio Aging Analysis
The Company evaluates the loan risk grading system definitions and allowance for loan losses methodology on an ongoing basis. No significant changes were made to either during the past year to date period.
 
Loan Portfolio Aging Analysis
As of March 31, 2019
 
  
30-59 Days
Past Due
and
Accruing
  
60-89 Days
Past Due
and
Accruing
  
Greater
Than 90
Days and
Accruing
  
Non
Accrual
  
Total Past
Due and
Non Accrual
  
Current
  
Total Loans
Receivable
 
  
(In thousands)
 
Commercial $391  $45  $  $  $436  $93,960  $94,396 
Commercial real estate           710   710   230,806   231,516 
Residential  1,507         850   2,357   74,526   76,883 
Installment  6   4      16   26   11,075   11,101 
Total $1,904  $49  $  $1,576  $3,529  $410,637  $413,896 
 
Loan Portfolio Aging Analysis
As of December 31, 2018
 
  
30-59 Days
Past Due
and
Accruing
  
60-89 Days
Past Due
and
Accruing
  
Greater
Than 90
Days and
Accruing
  
Non
Accrual
  
Total Past
Due and
Non Accrual
  
Current
  
Total Loans
Receivable
 
  
(In thousands)
 
Commercial $98  $94  $  $  $192  $93,498  $93,690 
Commercial real estate        ––   741   741   222,720   223,461 
Residential  1,704   262   155   485   2,606   76,161   78,767 
Installment  72   4   ––   19   95   13,670   13,765 
Total $1,874  $360  $155  $1,245  $3,634  $406,049  $409,683 
Impaired Loans
Impaired Loans
 
  
As of
 

March 31, 2019
  
Three Months Ended
 

March 31, 2019
 
  
Recorded
Balance
  
Unpaid
Principal
Balance
  
Specific
Allowance
  
Average
Investment in
Impaired
Loans
  
Interest
Income
Recognized
 
  
(In thousands)
 
Loans without a specific valuation allowance:                    
Commercial $88  $88  $  $89  $ 
Commercial real estate  379   379      376   1 
Residential  244   244      250   4 
   711   711      715   5 
Loans with a specific valuation allowance:                    
Commercial               
Commercial  real estate  399   399   77   408    
Residential  191   191   68   191    
   590   590   145   599    
Total:                    
Commercial $88  $88  $  $89  $ 
Commercial real estate $778  $778  $77  $784  $1 
Residential $435  $435  $68  $441  $4 
 
Impaired Loans
 
  
As of
 

December 31, 2018
  
Three Months Ended
 

March 31, 2018
 
  
Recorded
Balance
  
Unpaid
Principal
Balance
  
Specific
Allowance
  
Average
Investment in
Impaired
Loans
  
Interest
Income
Recognized
 
  
(In thousands)
 
Loans without a specific valuation allowance:                    
Commercial $57  $57  $––  $10  $ 
Commercial real estate  409   409   ––   624   4 
Residential  93   93      406   1 
   559   559      1,040   5 
Loans with a specific valuation allowance:                    
Commercial               
Commercial  real estate  400   400   85   422    
Residential               
   400   400   85   422    
Total:                    
Commercial $57  $57  $  $10  $ 
Commercial real estate $809  $809  $85  $1,046  $4 
Residential $93  $93  $  $406  $1 
Troubled Debt Restructurings on Financing Receivables
  
Three Months ended March 31, 2019
 
  
Number of
Contracts
  
Pre- Modification
Outstanding
Recorded
Investment
  
Post-Modification
Outstanding
Recorded
Investment
 
  
(In thousands)
  
          
Commercial    $  $ 
Commercial real estate         
Residential         
Installment         
 
  
Three Months ended March 31, 2019
 
  
Interest
Only
  
Term
  
Combination
  
Total
Modification
 
  
(
In thousands
)
 
            
Commercial $  $  $  $ 
Commercial real estate            
Residential            
Consumer            
 
  
Three Months ended March 31, 2018
  
Number of
Contracts
  
Pre- Modification
Outstanding
Recorded 
Investment
  
Post-Modification
Outstanding
Recorded
Investment
 
     
(In thousands)
    
             
Commercial    $  $ 
Commercial real estate         
Residential         
Installment         
 
  
Three Months ended March 31, 2018
 
  
Interest
Only
  
Term
  
Combination
  
Total
Modification
 
  
(
In thousands
)
 
                
Commercial $  $  $  $ 
Commercial real estate            
Residential            
Consumer            
XML 35 R24.htm IDEA: XBRL DOCUMENT v3.19.1
Benefit Plans (Tables)
3 Months Ended
Mar. 31, 2019
Benefit Plans [Abstract]  
Pension Expense
Pension expense includes the following:
 
 
 
Three months ended

March 31,
 
 
 
2019
 
 
2018
 
 
 
(In thousands)
 
 
 
 
 
 
 
 
Service cost
 
$
75
 
 
$
76
 
Interest cost
 
 
55
 
 
 
55
 
Expected return on assets
 
 
(102
)
 
 
(111
)
Amortization of prior service cost and net loss
 
 
1
 
 
 
(10
)
 
 
 
 
 
 
 
 
 
Pension expense
 
$
29
 
 
$
10
 
XML 36 R25.htm IDEA: XBRL DOCUMENT v3.19.1
Off-balance-sheet Activities (Tables)
3 Months Ended
Mar. 31, 2019
Off Balance Sheet Activities [Abstract]  
Schedule Of Off Balance Sheet Commitments And Guarantees
A summary of the notional or contractual amounts of financial instruments with off-balance-sheet risk at the indicated dates is as follows:
 
  
March 31,
  
December 31,
 
  
2019
  
2018
 
  
(In thousands)
 
       
Commercial loans unused lines of credit $36,060  $34,148 
Commitment to originate loans  22,838   21,319 
Consumer open end lines of credit  38,347   37,726 
Standby lines of credit  46    
XML 37 R26.htm IDEA: XBRL DOCUMENT v3.19.1
Accumulated Other Comprehensive Loss (Tables)
3 Months Ended
Mar. 31, 2019
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]  
Components of Accumulated Other Comprehensive Loss included in Stockholders Equity
The components of accumulated other comprehensive loss, included in stockholders’ equity, are as follows:
 
  
March 31,
 

2019
  
December 31,
 

2018
 
  
(In thousands)
 
       
Net unrealized gain (loss) on securities available-for-sale $3,120  $658 
Net unrealized loss for unfunded status of defined benefit plan liability     (671)
         
   3,120   (13)
Tax effect  (660
)
  3 
         
Net-of-tax amount $2,460  $(10)
XML 38 R27.htm IDEA: XBRL DOCUMENT v3.19.1
Fair Value Measurements (Tables)
3 Months Ended
Mar. 31, 2019
Fair Value Disclosures [Abstract]  
Fair Value Measurements of Assets Recognized in Consolidated Balance Sheets Measured at Fair Value on Recurring Basis
The following table presents the fair value measurements of assets recognized in the accompanying consolidated balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at March 31, 2019 and December 31, 2018:
 
     
Fair Value Measurements Using
 
  
Fair Value
  
Quoted Prices
in Active
 

Markets for
 

Identical
 

Assets
(Level 1)
  
Significant
 

Other
 

Observable
Inputs
(Level 2)
  
Significant
 

Unobservable
Inputs
(Level 3)
 
  
(In thousands)
 
March 31, 2019
                
U.S. government agencies $42,078  $  $42,078  $ 
State and municipal obligations  97,240      97,240    
                 
December 31, 2018
                
U.S. government agencies $44,750  $––  $44,750  $–– 
State and municipal obligations $79,241  $––  $79,241  $–– 
Fair Value Measurements of Assets Recognized in Consolidated Balance Sheets Measured at Fair Value on Nonrecurring Basis
The following table presents the fair value measurements of assets recognized in the accompanying consolidated balance sheets measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at March 31, 2019 and December 31, 2018.
 
     
Fair Value Measurements Using
 
  
Fair
 

Value
  
Quoted Prices
 

in Active
 

Markets for
 

Identical
 

Assets
(Level 1)
  
Significant
 

Other
Observable
Inputs
(Level 2)
  
Significant
Unobservable
Inputs
(Level 3)
 
  
(In thousands)
 
March 31, 2019
                
Collateral dependent impaired loans $445  $  $  $445 
                 
December 31, 2018
                
Collateral dependent impaired loans $314  $––  $––  $314 
Foreclosed assets held for sale  91   ––   ––   91 
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation
The following table presents quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements.
 
  
Fair Value at
3/31/19
  
Valuation
 

Technique
 
Unobservable Inputs
 
Range
  
(In thousands)
Collateral-dependent impaired loans $445  Market comparable properties Comparability adjustments Not available
 

 
 
 
  
Fair Value at
12/31/18
  
Valuation
 

Technique
 
Unobservable Inputs
 
Range
  
(In thousands)
          
Collateral-dependent impaired loans $314  Market comparable properties Comparability adjustments Not available
 

 
 
           
Foreclosed assets held for sale  91  Market comparable properties
 
 Marketability discount 10% – 35%
 
Estimated Fair Values of Company's Financial Instruments
     
Fair Value Measurements Using
 
  
Carrying
Amount
  
Quoted Prices
in Active
 

Markets for
Identical
Assets
(Level 1)
  
Significant
 

Other
 

Observable
Inputs
(Level 2)
  
Significant
Unobservable
Inputs
(Level 3)
 
  
(In thousands)
 
March 31, 2019:
                
                 
Financial assets
 $32,692  $32,692  $  $ 
Cash and cash equivalents                
Loans, net of allowance  411,813         411,575 
Federal Home Loan Bank stock  4,012      4,012    
Accrued interest receivable  2,104      2,104    
                 
Financial liabilities
                
Deposits  538,931      538,265    
Short term borrowings  13,441      13,441    
Federal Home Loan Bank Advances  80      79    
Subordinated debentures  4,124      3,647    
Interest payable  177      177    
 
 
     
Fair Value Measurements Using
 
  
Carrying
Amount
  
Quoted Prices
 

in Active
Markets for
Identical
Assets
(Level 1)
  
Significant
 

Other
Observable
Inputs
(Level 2)
  
Significant
 

Unobservable
Inputs
(Level 3)
 
  
(In thousands)
 
December 31, 2018:
                
                 
Financial assets
 $25,253  $25,253  $––  $–– 
Cash and cash equivalents                
Loans, net of allowance  407,640   ––   ––   405,033 
Federal Home Loan Bank stock  4,243   ––   4,243   –– 
Accrued interest receivable  1,798   ––   1,798   –– 
                 
Financial liabilities
                
Deposits  525,443   ––   524,010   –– 
Short term borrowings  8,068   ––   8,068   –– 
Federal Home Loan Bank Advances  106   ––   101   –– 
Subordinated debentures  4,124   ––   3,647   –– 
Interest payable  188   ––   188   –– 
XML 39 R28.htm IDEA: XBRL DOCUMENT v3.19.1
Repurchase Agreements (Tables)
3 Months Ended
Mar. 31, 2019
Disclosure of Repurchase Agreements [Abstract]  
Schedule of Repurchase Agreements
The following table presents the Company’s repurchase agreements accounted for as secured borrowings:
 
Remaining Contractual Maturity of the Agreement 
(In thousands)
 
March 31, 2019
 
Overnight and
Continuous
  
Up to 30 Days
  
30-90 Days
  
Greater than 90
Days
  
Total
 
    
Repurchase Agreements                    
U.S. government agencies  13,441   ––   ––   ––   13,441 
Total $13,441  $––  $––  $––  $13,441 
 
These borrowings were collateralized with U.S. government and agency securities with a carrying value of $16.9 million at March 31, 2019. Declines in the fair value would require the Company to pledge additional securities.
 
(In thousands)
 
December 31, 2018
 
Overnight and
Continuous
  
Up to 30 Days
  
30-90 Days
  
Greater than 90
Days
  
Total
 
    
Repurchase Agreements                    
U.S. government agencies $8,068  $––  $––  $––  $8,068 
Total $8,068  $––  $––  $––  $8,068 
XML 40 R29.htm IDEA: XBRL DOCUMENT v3.19.1
Acquisition (Tables)
3 Months Ended
Mar. 31, 2019
Business Combinations [Abstract]  
Schedule of Recognized Identified Assets Acquired and Liabilities Assumed
The following table summarizes the allocation purchase prices for Powhatan Point.
 
(in thousands)
 
ASSETS
 
 
 
 
 
LIABILITIES
 
 
 
 
Cash and cash equivalents
 
$
24,986
 
 
Deposits
 
 
 
 
Deposits in other banks
 
 
3,461
 
 
Non interest bearing
 
$
19,287
 
FHLB stock
 
 
78
 
 
Savings
 
 
30,533
 
Investments
 
 
23,865
 
 
Certificates of Deposit
 
 
5,772
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
 
3,019
 
 
Total Deposits
 
 
55,592
 
Residential
 
 
2,403
 
 
 
 
 
 
 
Installment
 
 
1,357
 
 
 
 
 
 
 
Total loans
 
 
6,779
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Premise and equipment, net
 
 
548
 
 
Interest payable and other liabilities
 
 
496
 
Core deposit intangible
 
 
1,028
 
 
 
 
 
 
 
Goodwill
 
 
682
 
 
 
 
 
 
 
Bank owned life insurance
 
 
612
 
 
 
 
 
 
 
Accrued interest receivable
 
 
145
 
 
 
 
 
 
 
Deferred federal income taxes
 
 
20
 
 
 
 
 
 
 
Other assets
 
 
124
 
 
 
 
 
 
 
Total assets purchased
 
$
62,328
 
 
Total liabilities assumed
 
 
 
 
Common shares issued
 
$
4,711
 
 
 
 
$
56,088
 
Cash paid
 
 
1,529
 
 
 
 
 
 
 
Estimated purchase price
 
$
6,240
 
 
 
 
 
 
 
XML 41 R30.htm IDEA: XBRL DOCUMENT v3.19.1
Summary of Significant Accounting Policies (Detail) - USD ($)
$ / shares in Units, $ in Thousands
3 Months Ended
Mar. 31, 2019
Mar. 31, 2018
Accounting Policies [Abstract]    
Net income $ 1,614 $ 1,148
Less allocated earnings on non-vested restricted stock (27) (14)
Less allocated dividends on non-vested restricted stock (23) (23)
Net income allocated to common stockholders $ 1,564 $ 1,111
Weighted Average Number of Shares Outstanding, Basic and Diluted 5,515,418 4,874,479
Basic and diluted earnings per share $ 0.28 $ 0.23
XML 42 R31.htm IDEA: XBRL DOCUMENT v3.19.1
Summary of Significant Accounting Policies - Additional Information (Detail) - USD ($)
3 Months Ended
Mar. 31, 2019
Mar. 31, 2018
Jan. 01, 2019
Summary Of Significant Accounting Policies [Line Items]      
Earnings Per Share, Basic $ 0.28 $ 0.23  
Earnings Per Share, Diluted $ 0.28 $ 0.23  
Operating Lease, Right-of-Use Asset     $ 126,000
XML 43 R32.htm IDEA: XBRL DOCUMENT v3.19.1
Amortized Cost and Approximate Fair Values, Together with Gross Unrealized Gains and Losses of Securities (Detail) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended
Mar. 31, 2019
Dec. 31, 2018
Gain (Loss) on Investments [Line Items]    
Available-for-sale Securities, Amortized Cost $ 135,532 $ 123,333
Available-for-sale Securities, Gross Unrealized Gains 3,958 1,194
Available-for-sale Securities, Gross Unrealized Losses (172) (536)
Available-for-sale securities, Approximate Fair Value 139,318 123,991
U.S. government agencies    
Gain (Loss) on Investments [Line Items]    
Available-for-sale Securities, Amortized Cost 42,250 45,250
Available-for-sale Securities, Gross Unrealized Gains   0
Available-for-sale Securities, Gross Unrealized Losses (172) (500)
Available-for-sale securities, Approximate Fair Value 42,078 44,750
State and municipal obligations    
Gain (Loss) on Investments [Line Items]    
Available-for-sale Securities, Amortized Cost 93,282 78,083
Available-for-sale Securities, Gross Unrealized Gains 3,958 1,194
Available-for-sale Securities, Gross Unrealized Losses 0 (36)
Available-for-sale securities, Approximate Fair Value $ 97,240 $ 79,241
XML 44 R33.htm IDEA: XBRL DOCUMENT v3.19.1
Amortized Cost and Fair Value of Available-for-Sale Securities and Held-to-Maturity Securities (Detail) - USD ($)
$ in Thousands
Mar. 31, 2019
Dec. 31, 2018
Available-for-sale, Amortized Cost    
Under 1 year $ 0  
One to five years 47,715  
Five to ten year 0  
Over ten years 87,817  
Totals 135,532 $ 123,333
Available-for-sale, Fair Value    
Under 1 year 0  
One to five years 47,543  
Five to ten year 0  
Over ten years 91,775  
Totals $ 139,318 $ 123,991
XML 45 R34.htm IDEA: XBRL DOCUMENT v3.19.1
Gross Unrealized Losses and Fair Value, Aggregated by Investment Category and Length of Time that Individual Securities have been in a Continuous Unrealized Loss Position (Detail) - USD ($)
$ in Thousands
Mar. 31, 2019
Dec. 31, 2018
Gain (Loss) on Investments [Line Items]    
Less than 12 Months, Fair Value $ 0 $ 5,182
Less than 12 Months, Unrealized Losses 0 (36)
12 Months or More, Fair Value 42,078 44,750
12 Months or More, Unrealized Losses (172) (500)
Total, Fair Value 42,078 49,932
Total, Unrealized Losses (172) (536)
U.S. government agencies    
Gain (Loss) on Investments [Line Items]    
Less than 12 Months, Fair Value 0 0
Less than 12 Months, Unrealized Losses 0 0
12 Months or More, Fair Value 42,078 44,750
12 Months or More, Unrealized Losses (172) (500)
Total, Fair Value 42,078 44,750
Total, Unrealized Losses $ (172) (500)
State and municipal obligations    
Gain (Loss) on Investments [Line Items]    
Less than 12 Months, Fair Value   5,182
Less than 12 Months, Unrealized Losses   (36)
12 Months or More, Fair Value   0
12 Months or More, Unrealized Losses   0
Total, Fair Value   5,182
Total, Unrealized Losses   $ (36)
XML 46 R35.htm IDEA: XBRL DOCUMENT v3.19.1
Securities - Additional Information (Detail) - USD ($)
$ in Millions
Mar. 31, 2019
Dec. 31, 2018
Schedule Of Marketable Securities [Line Items]    
Debt Securities, Available-for-sale, Restricted $ 42.1 $ 48.4
Fair Value of Investment in debt securities $ 42.1 $ 49.9
Percentage of fair value of investment in debt 30.00% 40.00%
XML 47 R36.htm IDEA: XBRL DOCUMENT v3.19.1
Categories of Loan (Detail) - USD ($)
$ in Thousands
Mar. 31, 2019
Dec. 31, 2018
Mar. 31, 2018
Dec. 31, 2017
Accounts Notes And Loans Receivable [Line Items]        
Commercial loans $ 94,396 $ 93,690    
Commercial real estate 231,516 223,461    
Residential real estate 76,883 78,767    
Installment loans 11,101 13,765    
Total gross loans 413,896 409,683    
Less allowance for loan losses (2,083) (2,043) $ (2,125) $ (2,122)
Total loans $ 411,813 $ 407,640    
XML 48 R37.htm IDEA: XBRL DOCUMENT v3.19.1
Allowance for Loan Losses and Recorded Investment in Loans (Detail) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2019
Mar. 31, 2018
Dec. 31, 2018
Allowance for loan losses:      
Beginning Balance $ 2,043 $ 2,122  
Provision charged to expense 90 57  
Losses charged off (59) (69)  
Recoveries 9 15  
Ending Balance 2,083 2,125  
Ending balance: individually evaluated for impairment 145 77 $ 85
Ending balance: collectively evaluated for impairment 1,938 2,048 1,958
Loans:      
Ending balance: individually evaluated for impairment 1,301 1,027 959
Ending balance: collectively evaluated for impairment 412,595 369,458 408,724
Commercial      
Allowance for loan losses:      
Beginning Balance 389 537  
Provision charged to expense 21 (16)  
Losses charged off (18) 0  
Recoveries 1 1  
Ending Balance 393 522  
Ending balance: individually evaluated for impairment 0 0 0
Ending balance: collectively evaluated for impairment 393 522 389
Loans:      
Ending balance: individually evaluated for impairment 88 9 57
Ending balance: collectively evaluated for impairment 94,308 84,424 93,633
Commercial Real Estate      
Allowance for loan losses:      
Beginning Balance 672 843  
Provision charged to expense (50) (173)  
Losses charged off 0 0  
Recoveries 0 1  
Ending Balance 622 671  
Ending balance: individually evaluated for impairment 77 77 85
Ending balance: collectively evaluated for impairment 545 594 587
Loans:      
Ending balance: individually evaluated for impairment 778 612 809
Ending balance: collectively evaluated for impairment 230,738 198,722 222,652
Residential      
Allowance for loan losses:      
Beginning Balance 519 436  
Provision charged to expense 207 9  
Losses charged off 0 0  
Recoveries 1 1  
Ending Balance 727 446  
Ending balance: individually evaluated for impairment 0 0 0
Ending balance: collectively evaluated for impairment 727 446 519
Loans:      
Ending balance: individually evaluated for impairment 0 0 93
Ending balance: collectively evaluated for impairment 76,883 74,563 78,767
Installment      
Allowance for loan losses:      
Beginning Balance 463 218  
Provision charged to expense (88) 239  
Losses charged off (41) (69)  
Recoveries 7 12  
Ending Balance 341 400  
Ending balance: individually evaluated for impairment 68 0 0
Ending balance: collectively evaluated for impairment 273 400 463
Loans:      
Ending balance: individually evaluated for impairment 435 406 0
Ending balance: collectively evaluated for impairment 10,666 11,749 13,672
Unallocated      
Allowance for loan losses:      
Beginning Balance 0 88  
Provision charged to expense 0 (2)  
Losses charged off 0 0  
Recoveries 0 0  
Ending Balance 0 86  
Ending balance: individually evaluated for impairment 0 0 0
Ending balance: collectively evaluated for impairment 0 86 0
Loans:      
Ending balance: individually evaluated for impairment 0 0 0
Ending balance: collectively evaluated for impairment $ 0 $ 0 $ 0
XML 49 R38.htm IDEA: XBRL DOCUMENT v3.19.1
Portfolio Quality Indicators (Detail) - USD ($)
$ in Thousands
Mar. 31, 2019
Dec. 31, 2018
Financing Receivable, Recorded Investment [Line Items]    
Commercial $ 94,396 $ 93,690
Commercial Real Estate 231,516 223,461
Residential 76,883 78,767
Installment 11,101 13,765
Total 413,896 409,683
Pass Grade    
Financing Receivable, Recorded Investment [Line Items]    
Commercial 94,298 93,620
Commercial Real Estate 226,305 219,485
Residential 76,883 78,767
Installment 10,666 13,672
Total 408,152 405,544
Special Mention    
Financing Receivable, Recorded Investment [Line Items]    
Commercial 0 0
Commercial Real Estate 3,992 2,710
Residential 0 0
Installment 0 0
Total 3,992 2,710
Substandard    
Financing Receivable, Recorded Investment [Line Items]    
Commercial 98 70
Commercial Real Estate 1,219 1,266
Residential 435 93
Installment 0 0
Total 1,752 1,429
Doubtful    
Financing Receivable, Recorded Investment [Line Items]    
Commercial 0 0
Commercial Real Estate 0 0
Residential 0 0
Installment 0 0
Total $ 0 $ 0
XML 50 R39.htm IDEA: XBRL DOCUMENT v3.19.1
Loan Portfolio Aging Analysis (Detail) - USD ($)
$ in Thousands
Mar. 31, 2019
Dec. 31, 2018
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Non Accrual $ 1,576 $ 1,245
Total Past Due and Non Accrual 3,529 3,634
Current 410,637 406,049
Total Loans Receivable 413,896 409,683
Financing Receivables, 30 to 59 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due and Non Accrual 1,904 1,874
Financing Receivables, 60 to 89 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due and Non Accrual 49 360
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due and Non Accrual 0 155
Commercial    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Non Accrual 0 0
Total Past Due and Non Accrual 436 192
Current 93,960 93,498
Total Loans Receivable 94,396 93,690
Commercial | Financing Receivables, 30 to 59 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due and Non Accrual 391 98
Commercial | Financing Receivables, 60 to 89 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due and Non Accrual 45 94
Commercial | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due and Non Accrual 0 0
Commercial Real Estate    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Non Accrual 710 741
Total Past Due and Non Accrual 710 741
Current 230,806 222,720
Total Loans Receivable 231,516 223,461
Commercial Real Estate | Financing Receivables, 30 to 59 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due and Non Accrual 0 0
Commercial Real Estate | Financing Receivables, 60 to 89 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due and Non Accrual 0 0
Commercial Real Estate | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due and Non Accrual 0 0
Residential    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Non Accrual 850 485
Total Past Due and Non Accrual 2,357 2,606
Current 74,526 76,161
Total Loans Receivable 76,883 78,767
Residential | Financing Receivables, 30 to 59 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due and Non Accrual 1,507 1,704
Residential | Financing Receivables, 60 to 89 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due and Non Accrual 0 262
Residential | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due and Non Accrual 0 155
Installment    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Non Accrual 16 19
Total Past Due and Non Accrual 26 95
Current 11,075 13,670
Total Loans Receivable 11,101 13,765
Installment | Financing Receivables, 30 to 59 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due and Non Accrual 6 72
Installment | Financing Receivables, 60 to 89 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due and Non Accrual 4 4
Installment | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due and Non Accrual $ 0 $ 0
XML 51 R40.htm IDEA: XBRL DOCUMENT v3.19.1
Impaired Loans (Detail) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2019
Mar. 31, 2018
Dec. 31, 2018
Commercial      
Financing Receivable, Impaired [Line Items]      
Recorded Balance $ 88   $ 57
Unpaid Principal Balance 88   57
Specific Allowance 0   0
Average Investment in Impaired Loans 89 $ 10  
Interest Income Recognized 0 0  
Commercial real estate      
Financing Receivable, Impaired [Line Items]      
Recorded Balance 778   809
Unpaid Principal Balance 778   809
Specific Allowance 77   85
Average Investment in Impaired Loans 784 1,046  
Interest Income Recognized 1 4  
Residential      
Financing Receivable, Impaired [Line Items]      
Recorded Balance 435   93
Unpaid Principal Balance 435   93
Specific Allowance 68   0
Average Investment in Impaired Loans 441 406  
Interest Income Recognized 4 1  
Loans without a specific valuation allowance      
Financing Receivable, Impaired [Line Items]      
Recorded Balance 711   559
Unpaid Principal Balance 711   559
Specific Allowance 0   0
Average Investment in Impaired Loans 715 1,040  
Interest Income Recognized 5 5  
Loans without a specific valuation allowance | Commercial      
Financing Receivable, Impaired [Line Items]      
Recorded Balance 88   57
Unpaid Principal Balance 88   57
Specific Allowance 0   0
Average Investment in Impaired Loans 89 10  
Interest Income Recognized 0 0  
Loans without a specific valuation allowance | Commercial real estate      
Financing Receivable, Impaired [Line Items]      
Recorded Balance 379   409
Unpaid Principal Balance 379   409
Specific Allowance 0   0
Average Investment in Impaired Loans 376 624  
Interest Income Recognized 1 4  
Loans without a specific valuation allowance | Residential      
Financing Receivable, Impaired [Line Items]      
Recorded Balance 244   93
Unpaid Principal Balance 244   93
Specific Allowance 0   0
Average Investment in Impaired Loans 250 406  
Interest Income Recognized 4 1  
Loans with a specific valuation allowance      
Financing Receivable, Impaired [Line Items]      
Recorded Balance 590   400
Unpaid Principal Balance 590   400
Specific Allowance 145   85
Average Investment in Impaired Loans 599 422  
Interest Income Recognized 0 0  
Loans with a specific valuation allowance | Commercial      
Financing Receivable, Impaired [Line Items]      
Recorded Balance 0   0
Unpaid Principal Balance 0   0
Specific Allowance 0   0
Average Investment in Impaired Loans 0 0  
Interest Income Recognized 0 0  
Loans with a specific valuation allowance | Commercial real estate      
Financing Receivable, Impaired [Line Items]      
Recorded Balance 399   400
Unpaid Principal Balance 399   400
Specific Allowance 77   85
Average Investment in Impaired Loans 408 422  
Interest Income Recognized 0 0  
Loans with a specific valuation allowance | Residential      
Financing Receivable, Impaired [Line Items]      
Recorded Balance 191   0
Unpaid Principal Balance 191   0
Specific Allowance 68   $ 0
Average Investment in Impaired Loans 191 0  
Interest Income Recognized $ 0 $ 0  
XML 52 R41.htm IDEA: XBRL DOCUMENT v3.19.1
Troubled Debt Restructuring (Detail)
Number in Thousands, $ in Thousands
3 Months Ended
Mar. 31, 2019
USD ($)
Number
Mar. 31, 2018
USD ($)
Number
Commercial    
Financing Receivable, Modifications [Line Items]    
Number of Contracts | Number 0 0
Pre- Modification Outstanding Recorded Investment $ 0 $ 0
Post-Modification Outstanding Recorded Investment 0 $ 0
Interest Only 0  
Term 0  
Combination 0  
Total Modification $ 0  
Commercial real estate    
Financing Receivable, Modifications [Line Items]    
Number of Contracts | Number 0 0
Pre- Modification Outstanding Recorded Investment $ 0 $ 0
Post-Modification Outstanding Recorded Investment 0 $ 0
Interest Only 0  
Term 0  
Combination 0  
Total Modification $ 0  
Residential Mortgage [Member]    
Financing Receivable, Modifications [Line Items]    
Number of Contracts | Number 0 0
Pre- Modification Outstanding Recorded Investment $ 0 $ 0
Post-Modification Outstanding Recorded Investment 0 0
Interest Only 0 0
Term 0 0
Combination 0 0
Total Modification $ 0 $ 0
Consumer Loan [Member]    
Financing Receivable, Modifications [Line Items]    
Number of Contracts | Number 0 0
Pre- Modification Outstanding Recorded Investment $ 0 $ 0
Post-Modification Outstanding Recorded Investment 0 0
Interest Only 0 0
Term 0 0
Combination 0 0
Total Modification $ 0 $ 0
XML 53 R42.htm IDEA: XBRL DOCUMENT v3.19.1
Pension Expense (Detail) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2019
Mar. 31, 2018
Components of net periodic benefit cost    
Service cost $ 75 $ 76
Interest cost 55 55
Expected return on plan assets (102) (111)
Amortization of prior service cost and net loss 1 (10)
Pension expense $ 29 $ 10
XML 54 R43.htm IDEA: XBRL DOCUMENT v3.19.1
Off-balance-sheet Activities (Detail) - USD ($)
$ in Thousands
Mar. 31, 2019
Dec. 31, 2018
Commercial loans unused lines of credit    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Fair Value Disclosure, Off-balance Sheet Risks, Face Amount, Asset $ 36,060 $ 34,148
Commitment to originate loans    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Fair Value Disclosure, Off-balance Sheet Risks, Face Amount, Asset 22,838 21,319
Consumer open end lines of credit    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Fair Value Disclosure, Off-balance Sheet Risks, Face Amount, Asset 38,347 37,726
Standby lines of credit    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Fair Value Disclosure, Off-balance Sheet Risks, Face Amount, Asset $ 46 $ 0
XML 55 R44.htm IDEA: XBRL DOCUMENT v3.19.1
Components of Accumulated Other Comprehensive Income Included in Stockholders' Equity (Detail) - USD ($)
$ in Thousands
Mar. 31, 2019
Dec. 31, 2018
Other Comprehensive Income (Loss) [Line Items]    
Net unrealized gain (loss) on securities available-for-sale $ 3,120 $ 658
Net unrealized loss for unfunded status of defined benefit plan liability 0 (671)
Accumulated other comprehensive income (Loss), before taxes, total 3,120 (13)
Tax effect (660) 3
Net-of-tax amount $ 2,460 $ (10)
XML 56 R45.htm IDEA: XBRL DOCUMENT v3.19.1
Fair Value Measurements of Assets Recognized in Consolidated Balance Sheets Measured at Fair Value on Recurring Basis (Detail) - Fair Value, Measurements, Recurring - USD ($)
$ in Thousands
Mar. 31, 2019
Dec. 31, 2018
U.S. government agencies    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Line Items]    
Fair value of asset, recurring basis $ 42,078 $ 44,750
State and Municipal Obligations    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Line Items]    
Fair value of asset, recurring basis 97,240 79,241
Fair Value, Inputs, Level 1 | U.S. government agencies    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Line Items]    
Fair value of asset, recurring basis 0 0
Fair Value, Inputs, Level 1 | State and Municipal Obligations    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Line Items]    
Fair value of asset, recurring basis 0 0
Fair Value, Inputs, Level 2 | U.S. government agencies    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Line Items]    
Fair value of asset, recurring basis 42,078 44,750
Fair Value, Inputs, Level 2 | State and Municipal Obligations    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Line Items]    
Fair value of asset, recurring basis 97,240 79,241
Fair Value, Inputs, Level 3 | U.S. government agencies    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Line Items]    
Fair value of asset, recurring basis 0 0
Fair Value, Inputs, Level 3 | State and Municipal Obligations    
Fair Value, Assets and Liabilities Measured on Recurring Basis [Line Items]    
Fair value of asset, recurring basis $ 0 $ 0
XML 57 R46.htm IDEA: XBRL DOCUMENT v3.19.1
Fair Value Measurements of Assets Recognized in Consolidated Balance Sheets Measured at Fair Value on Nonrecurring Basis (Detail) - Fair Value, Measurements, Nonrecurring - USD ($)
$ in Thousands
Mar. 31, 2019
Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral dependent impaired loans $ 445 $ 314
Foreclosed assets held for sale   91
Fair Value, Inputs, Level 1    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral dependent impaired loans 0 0
Foreclosed assets held for sale   0
Fair Value, Inputs, Level 2    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral dependent impaired loans 0 0
Foreclosed assets held for sale   0
Fair Value, Inputs, Level 3    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral dependent impaired loans $ 445 314
Foreclosed assets held for sale   $ 91
XML 58 R47.htm IDEA: XBRL DOCUMENT v3.19.1
Quantitative Information About Unobservable Inputs Used in Recurring and Nonrecurring Level 3 Fair Value Measurements (Detail) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended
Mar. 31, 2019
Dec. 31, 2018
Collateral-dependent impaired loans    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value $ 445 $ 314
Valuation Technique Market comparable properties Market comparable properties
Unobservable Inputs Comparability adjustments Comparability adjustments
Foreclosed assets held for sale    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value   $ 91
Valuation Technique   Market comparable properties
Unobservable Inputs   Marketability discount
Foreclosed assets held for sale | Maximum    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Range 35.00%  
Foreclosed assets held for sale | Minimum    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Range 10.00%  
XML 59 R48.htm IDEA: XBRL DOCUMENT v3.19.1
Estimated Fair Values of Company's Financial Instruments (Detail) - USD ($)
$ in Thousands
Mar. 31, 2019
Dec. 31, 2018
Mar. 31, 2018
Dec. 31, 2017
Financial assets        
Cash and cash equivalents $ 32,692 $ 25,253 $ 14,771 $ 14,315
Loans, net of allowance 411,813 407,640    
Federal Home Loan Bank stock 4,012 4,243    
Accrued interest receivable 2,104 1,798    
Financial liabilities        
Deposits 538,931 525,443    
Short term borrowings 13,441 8,068    
Federal Home Loan Bank advances 80 106    
Subordinated debentures 4,124 4,124    
Interest payable 177 188    
Fair Value, Inputs, Level 1        
Financial assets        
Cash and cash equivalents 32,692 25,253    
Loans, net of allowance 0 0    
Federal Home Loan Bank stock 0 0    
Accrued interest receivable 0 0    
Financial liabilities        
Deposits 0 0    
Short term borrowings 0 0    
Federal Home Loan Bank advances 0 0    
Subordinated debentures 0 0    
Interest payable 0 0    
Fair Value, Inputs, Level 2        
Financial assets        
Cash and cash equivalents 0 0    
Loans, net of allowance 0 0    
Federal Home Loan Bank stock 4,012 4,243    
Accrued interest receivable 2,104 1,798    
Financial liabilities        
Deposits 538,265 524,010    
Short term borrowings 13,441 8,068    
Federal Home Loan Bank advances 79 101    
Subordinated debentures 3,647 3,647    
Interest payable 177 188    
Fair Value, Inputs, Level 3        
Financial assets        
Cash and cash equivalents 0 0    
Loans, net of allowance 411,575 405,033    
Federal Home Loan Bank stock 0 0    
Accrued interest receivable 0 0    
Financial liabilities        
Deposits 0 0    
Short term borrowings 0 0    
Federal Home Loan Bank advances 0 0    
Subordinated debentures 0 0    
Interest payable $ 0 $ 0    
XML 60 R49.htm IDEA: XBRL DOCUMENT v3.19.1
Repurchase Agreements (Details) - USD ($)
$ in Thousands
Mar. 31, 2019
Dec. 31, 2018
Securities Sold under Agreements to Repurchase [Abstract]    
Securities Sold under Agreements to Repurchase $ 13,441 $ 8,068
US Government Corporations and Agencies Securities [Member]    
Securities Sold under Agreements to Repurchase [Abstract]    
Securities Sold under Agreements to Repurchase 13,441 8,068
Overnight and Continuous [Member]    
Securities Sold under Agreements to Repurchase [Abstract]    
Securities Sold under Agreements to Repurchase 13,441 8,068
Overnight and Continuous [Member] | US Government Corporations and Agencies Securities [Member]    
Securities Sold under Agreements to Repurchase [Abstract]    
Securities Sold under Agreements to Repurchase 13,441 8,068
Up to 30 Days [Member]    
Securities Sold under Agreements to Repurchase [Abstract]    
Securities Sold under Agreements to Repurchase
Up to 30 Days [Member] | US Government Corporations and Agencies Securities [Member]    
Securities Sold under Agreements to Repurchase [Abstract]    
Securities Sold under Agreements to Repurchase
30-90 Days [Member]    
Securities Sold under Agreements to Repurchase [Abstract]    
Securities Sold under Agreements to Repurchase
30-90 Days [Member] | US Government Corporations and Agencies Securities [Member]    
Securities Sold under Agreements to Repurchase [Abstract]    
Securities Sold under Agreements to Repurchase
Greater than 90 Days [Member]    
Securities Sold under Agreements to Repurchase [Abstract]    
Securities Sold under Agreements to Repurchase
Greater than 90 Days [Member] | US Government Corporations and Agencies Securities [Member]    
Securities Sold under Agreements to Repurchase [Abstract]    
Securities Sold under Agreements to Repurchase
XML 61 R50.htm IDEA: XBRL DOCUMENT v3.19.1
Repurchase Agreements-Additional Information (Detail) - USD ($)
$ in Millions
Mar. 31, 2019
Dec. 31, 2018
Disclosure of Repurchase Agreements [Abstract]    
US Government Securities, at Carrying Value $ 16.9 $ 18.3
XML 62 R51.htm IDEA: XBRL DOCUMENT v3.19.1
Acquisition (Details)
$ in Thousands
Oct. 15, 2018
USD ($)
ASSETS  
Cash and cash equivalents $ 24,986
Deposits in other banks 3,461
FHLB stock 78
Investments 23,865
loans 6,779
Premise and equipment, net 548
Goodwill 682
Bank owned life insurance 612
Accrued interest receivable 145
Deferred federal income taxes 20
Other assets 124
Total assets purchased 62,328
Common shares issued 4,711
Cash paid 1,529
Estimated purchase price 6,240
Deposits  
Non interest bearing 19,287
Savings 30,533
Certificates of Deposit 5,772
Total Deposits 55,592
Interest payable and other liabilities 496
Total liabilities assumed 56,088
Core [Member]  
ASSETS  
Core deposit intangible 1,028
Commercial Loan [Member]  
ASSETS  
loans 3,019
Residential Mortgage [Member]  
ASSETS  
loans 2,403
Installemnt Loan [Member]  
ASSETS  
loans $ 1,357
XML 63 R52.htm IDEA: XBRL DOCUMENT v3.19.1
Acquisition - Additional Information (Detail)
Oct. 15, 2018
USD ($)
shares
Business Acquisition, Equity Interest Issued or Issuable, Number of Shares | shares 6.9233
Business Combination Cash Paid For Acquisition | shares 28.52
Business Combination, Consideration Transferred $ 6,240,000
Goodwill $ 682,000
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life 7 years
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Financial Assets $ 6,779,000
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Acquired During Period, Contractually Required Payments Receivable at Acquisition 6,875,000
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses 86,000
Core Deposits [Member]  
Finite-lived Intangible Assets Acquired $ 1,000,000
XML 64 R53.htm IDEA: XBRL DOCUMENT v3.19.1
Subsequent Event (Detail) - Subsequent Event [Member] - Junior Subordinated Debentures [Member]
May 14, 2019
USD ($)
Debt Instrument, Face Amount $ 20,000,000
Debt Instrument, Interest Rate, Stated Percentage 6.00%
Debt Instrument, Maturity Date May 31, 2024
Debt Instrument, Description of Variable Rate Basis three-month LIBOR
Debt Instrument, Basis Spread on Variable Rate 3.625%
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